Work from Home Insurance

The traditional work environment has fragmented into different types of work spaces, with employees now digitally connected by video and teleconferencing applications.

Working from home can result in feelings of isolation due to social separation and changes in work demands may lead to fatigue. Employees are also exposed to inconsistent workstation ergonomics, home hazards such as stairs and unkept toys.

Even after the COVID-19 pandemic has passed, working from home may remain a part of every employee’s work week and expectations.

• Mental Health Support
  A payment for the mental health/psychological counselling expenses of employees diagnosed with stress disorders caused or contributed to by, working from home arrangements.
• Ergonomics Injury
  A payment for surgery costs required as a result of a postural or ergonomic injury caused by poor home workspace design or conditions.
• Ergonomics Prevention
  A payment for an occupational therapist consultation to address diagnosis for postural or ergonomic stress or strain and to cover the cost of any recommended equipment.
• Domestic Perils: Personal Accident
  A payment to employees or their estate to cover expenses as a result of an Accidental Death or Permanent Disability due to an accident at home. Includes a daily benefit up to 14 days for any extended leave required following a serious injury at home.
• Domestic Perils: Burns
  A payment to employees for serious burns received as a result of cooking while working from home.
• Mobile Office
  A payment if an employee needs or chooses to take their work outside and suffers an Accidental Death or Permanent Disability. Includes a daily benefit up to 14 days for any extended leave required following a serious injury.

The above information is intended to be a general summary for reference only and does not form part of the policy. You should refer to the policy wordings, available upon request, for exact terms, conditions and exclusions. The above information shall not be constructed as an offer to sell or solicitation to buy or provision of any our products outside Hong Kong SAR. For further information, please contact Chubb Insurance Hong Kong Limited on +852 3191 6800.