* The following services will be arranged by professional providers (Providing services and fees comparisons)

Hong Kong MPF

In hiring an employee, in addition to issuing the employee's basic salary, the employees and the employers must make regular contributions to the MPF scheme. All Hong Kong employees aged 18 to 65 must join the registered MPF scheme and make contributions to the scheme. Mandatory contributions are basically calculated at 10% of the monthly income of employees. That is, employers and employees are required to contribute 5% of each contribution. Self-employed persons are also required to contribute 5% of their income. The trustee of the MPF scheme will appoint an investment manager to make long term investments in the accrued benefits and provide retirement protection for scheme members. When members of the Scheme meet their retirement age of 65 to lump-in one-time accrued benefits accruing from mandatory contributions in the MPF Schemes.


Employees' Compensation Insurance

The Employees' Compensation Ordinance applies to all full-time or part-time employees who are employed under contracts of service or apprenticeship, including Smart Helpers irrespective of the mode of employment. According to Section 40 of the Employees' Compensation Ordinance, no employer shall employ any employee in any employment unless there is in force a policy of insurance to cover their liabilities both under the Ordinance and at common law for injuries at work in respect of all their employees, irrespective of the length of employment contract or working hours, full-time or part-time, permanent job or temporary employment. Should there be any enquiries on legal liability, employers should seek professional legal advice.


Water, Fire and Theft Insurance

Coverage of office-related accidents include: fire, explosion, flood, theft, typhoon and flooding, earthquakes, riots, vandalism and other accidental damage.


Group Medical Insurance

Employee Medical Insurance provides your employees with comprehensive inpatient and out-patient protection, giving both employers and employees the peace of mind.


Group Life Insurance

Customer insured on behalf of the company to provide life assurance for all employees or designated employees. If the insured employee dies during his employment, his family members will be reimbursed by the insurance company according to the insured amount.



Liability Insurance

To protect the internal fault accident or a defective pilot facility to a third party injury or property damage should bear the liability in accordance with the law of the place of business.



Car Insurance

All vehicles must be insured before being allowed to drive on public roads, otherwise it is against the law. Employers also have to buy a third party liability insurance or a Comprehensive insurance for private cars or commercial vehicles.



Voluntary Retirement Benefits

Apart from the MPF schemes, employers or key employees can set up voluntary retirement schemes to help you prepare for retirement. Flexible planning can help you achieve your personal retirement goals and your planned ideal life.