Employees' compensation insurance
This insurance mainly covers situations where an employee sustains an injury or dies as a result of an accident arising out of and in the course of his or her employment. This includes compensation for:
* Periodical payments
* Permanent total or partial incapacity
* Medical expenses
* The costs of prostheses and surgical appliances.Travel insurance
Travel insurance generally covers the following benefits:
- Emergency medical expenses
- Personal accident protection
- Compassionate death cash
- Journey cancellation and interruption
- Child guard
- Personal effects coverage
- Delay coverage
- Personal liability
Ms Tam is eligible for emergency medical expenses compensation to pay for the costs of medical treatment, surgery and hospitalisation arising from her accidental injury. If she has suffered permanent total disability, she could also obtain the benefits of personal accident protection. Furthermore, if the requirements are met, she may receive other benefits from the above list.
However, Ms Tam is not able to obtain double benefits, especially for medical expenses, under both types of insurance. She is only able to claim the balance of these expenses. Q1 Which insurance should Ms Tam claim first?
It is better to claim the benefits of travel insurance first, in order to obtain emergency assistance. Ms Tam could claim the balance of her medical expenses and other benefits and compensation later.Q2 Is there any protection for employees working outside Hong Kong, other than employees' compensation insurance?
Additional protection includes, among other items:
Q3 Is it an offence for an employer to terminate an injured employee's employment if his or her compensation case is still outstanding?
- personal travel insurance for single business trips
- annual travel insurance for business trips throughout the year
- China emergency cards for employees who frequently travel to mainland China
- personal accident insurance.
Under section 48 of the Employee's Conpensation Ordinance
, an employer shall not, without the consent of the Commissioner for Labour, terminate the contract of service of an employee who has sustained an injury on duty or give notice to the employee of such termination.