{"id":8858,"date":"2025-08-14T02:10:32","date_gmt":"2025-08-14T02:10:32","guid":{"rendered":"https:\/\/iongroup.hk\/?page_id=8858"},"modified":"2025-09-22T02:36:27","modified_gmt":"2025-09-22T02:36:28","slug":"work-injury-compensation","status":"publish","type":"page","link":"https:\/\/iongroup.hk\/?page_id=8858","title":{"rendered":"Work Injury Compensation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"8858\" class=\"elementor elementor-8858\" data-elementor-post-type=\"page\">\n\t\t\t\t\n        <section class=\"elementor-section elementor-top-section elementor-element elementor-element-d706fa9 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"d706fa9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72070dc\" data-id=\"72070dc\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-80fc0e4 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"80fc0e4\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-eff9843\" data-id=\"eff9843\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-626c2a1 elementor-hidden-mobile elementor-widget elementor-widget-ct_heading\" data-id=\"626c2a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-626c2a1\" class=\"ct-heading h-align-center sub-style1 ct-heading-left item-st-line-left3\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h1 class=\"item--title st-line-left3 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Employees&#8217; compensation insurance (ECI)\n                \n                                    <i class=\"dot-shape\">\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                    <\/i>\n                            <\/span>\n                    <\/h1>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c86f82 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-ct_heading\" data-id=\"9c86f82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-9c86f82\" class=\"ct-heading h-align-center sub-style1 ct-heading-left item-st-line-left3\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-line-left3 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Employees&#8217; compensation insurance (ECI)\n                \n                                    <i class=\"dot-shape\">\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                        <i><\/i>\n                    <\/i>\n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-69862f99 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"69862f99\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-38f36585\" data-id=\"38f36585\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-6a27d6f elementor-widget elementor-widget-text-editor\" data-id=\"6a27d6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"note\"><h5 class=\"mb-0\">EMPLOYEE COMPENSATION INSURANCE<\/h5><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27f4caa3 wow fadeInUp elementor-widget elementor-widget-text-editor\" data-id=\"27f4caa3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Under Hong Kong law, all employers are legally required to have\u00a0Employee\u2019s Compensation (EC) Insurance\u00a0to cover their liability if an employee is injured or falls ill due to work-related activities.<\/p><p>This insurance, commonly known as\u00a0EC Insurance, is mandatory for\u00a0all employers\u00a0in Hong Kong\u2014regardless of whether their workers are\u00a0full-time, part-time, temporary, or under an\u00a0apprenticeship or contract of service. No matter the nature or scope of employment, if you hire someone, you\u00a0must\u00a0have a valid\u00a0Employee\u2019s Compensation Insurance policy\u00a0in place.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68a591a4\" data-id=\"68a591a4\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-7a501f29 wow fadeInRight elementor-widget elementor-widget-ct_banner\" data-id=\"7a501f29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ct-banner1 \" data-wow-delay=\"ms\">\n\t<div class=\"ct-banner-imge\">\n    \t<img fetchpriority=\"high\" decoding=\"async\" width=\"535\" height=\"536\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-grouphk-employees-insurance.jpg\" class=\"attachment-full size-full wp-image-9353\" alt=\"\" srcset=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-grouphk-employees-insurance.jpg 535w, https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-grouphk-employees-insurance-300x300.jpg 300w, https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/ion-grouphk-employees-insurance-150x150.jpg 150w\" sizes=\"(max-width: 535px) 100vw, 535px\" \/>        <h3 class=\"ct-banner-title\">Employee Compensation<\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-e9a40d8 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"e9a40d8\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-75403ef\" data-id=\"75403ef\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-2884768 elementor-widget elementor-widget-ct_heading\" data-id=\"2884768\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-2884768\" class=\"ct-heading h-align- sub- ct-heading-left item-st-line-left1\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h5 class=\"item--title st-line-left1 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                                    <i><\/i>\n                \n                Employees&#8217; Compensation Insurance in Hong Kong: What Employers Must Know\n                \n                            <\/span>\n                    <\/h5>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e884376 wow fadeInUp elementor-widget elementor-widget-text-editor\" data-id=\"e884376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As Hong Kong&#8217;s leading insurance brokers, we help businesses navigate the complexities of mandatory Employees&#8217; Compensation coverage with confidence.<\/p><p><b>The Legal Framework<\/b><\/p><p>Hong Kong law requires all employers to carry Employees&#8217; Compensation insurance that covers:<\/p><ul><li>Work-related injuries and illnesses<\/li><li>Death benefits<\/li><li>Permanent disability (total or partial)<\/li><li>Medical expenses<\/li><li>Lost wages during recovery<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-d5bb58d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"d5bb58d\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-default \">\n                    <div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-93a8d88\" data-id=\"93a8d88\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-7b96a07 elementor-alert-info elementor-widget elementor-widget-alert\" data-id=\"7b96a07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"alert.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-alert\" role=\"alert\">\n\n\t\t\t\t\t\t<span class=\"elementor-alert-title\">Note<\/span>\n\t\t\t\n\t\t\t\t\t\t<span class=\"elementor-alert-description\">The Ministry of Manpower (MOM) will be updating the compensation limits in the Work Injury Compensation Act (WICA) as part of its regular review to keep pace with wage growth and rising healthcare costs. The compensation limits were last reviewed in 2020. The current increase in compensation limits enhances protection for employees and will take effect from 1 Nov 2025.<\/span>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-d984966\" data-id=\"d984966\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-7ad1a5b wow fadeInUp elementor-widget elementor-widget-text-editor\" data-id=\"7ad1a5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<table><tbody><tr><th>Type<\/th><th>Limits<\/th><th>Current Limits<\/th><th>New Limits<\/th><\/tr><tr><td rowspan=\"2\">Death<\/td><td>Maximum<\/td><td>$225,000<\/td><td>$269,000<\/td><\/tr><tr><td>Maximum<\/td><td>$76,000<\/td><td>$91,000<\/td><\/tr><tr><td rowspan=\"2\">Permanent Incapacity (PI) [1]<\/td><td>Maximum<\/td><td>$289,000<\/td><td>$346,000<\/td><\/tr><tr><td>Maximum<\/td><td>$97,000<\/td><td>$116,000<\/td><\/tr><tr><td>Medical Expenses<\/td><td>\u00a0<\/td><td>$45,000 or medical expenses incurred up to 1 year from the date of the accident, whichever is reached first<\/td><td>$53,000 or medical expenses incurred up to 1 year from the date of the accident, whichever is reached first<\/td><\/tr><\/tbody><\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16a6576 elementor-align-right elementor-widget elementor-widget-ct_button\" data-id=\"16a6576\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_button-16a6576\" class=\"ct-button-wrapper ct-button-layout1 icon-left btn--inline \">\n    <div class=\"ct-inline-css\"  data-css=\"\n        \">\n    <\/div>\n            <span class=\"ct-icon-active\"><\/span>\n        <a href=\"#enquire\" class=\"btn btn-default icon-active btn-inline-block  \" data-wow-delay=\"ms\">\n                            <span class=\"ct-button-icon ct-align-icon-left\">\n                <i aria-hidden=\"true\" class=\"far fa-hand-point-right\"><\/i>            <\/span>\n                <span class=\"ct-button-text\">ENQUIRE NOW<\/span>\n    <\/a>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-c14e78e elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"c14e78e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n                            <div class=\"elementor-background-overlay\"><\/div>\n                \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72a4adfa\" data-id=\"72a4adfa\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7c02717f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"7c02717f\" data-element_type=\"section\" data-e-type=\"section\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-cd76c9c\" data-id=\"cd76c9c\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-3baf452b elementor-widget elementor-widget-ct_heading\" data-id=\"3baf452b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-3baf452b\" class=\"ct-heading h-align- sub-style1 ct-heading-left item-st-default\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h5 class=\"item--title st-default wow wow fadeInUp\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Understanding Coverage Limits\n\n                \n                            <\/span>\n                    <\/h5>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26c04c70 elementor-widget elementor-widget-text-editor\" data-id=\"26c04c70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-title style-ion mb-22 md-mb-22\"><div class=\"last-half\"><p>While compensation amounts vary based on:<br \/>\u2713 Employee&#8217;s age<br \/>\u2713 Monthly earnings<br \/>\u2713 Nature of injury<br \/>\u2713 Length of employment<\/p><p>Most policies we arrange provide HK$100 million coverage per incident &#8211; ensuring you&#8217;re fully protected against even the most significant claims.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7152778a\" data-id=\"7152778a\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-a431275 elementor-widget elementor-widget-ct_heading\" data-id=\"a431275\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-a431275\" class=\"ct-heading h-align- sub-style1 ct-heading-left item-st-default\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h5 class=\"item--title st-default wow wow fadeInUp\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Why Proper Coverage Matters\n\n                \n                            <\/span>\n                    <\/h5>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3833865 elementor-widget elementor-widget-text-editor\" data-id=\"3833865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-title style-ion mb-22 md-mb-22\"><div class=\"last-half\"><ol><li><b>Legal Compliance<\/b>\u00a0&#8211; Avoid penalties of up to HK$100,000 and potential imprisonment<\/li><li><b>Financial Protection<\/b>\u00a0&#8211; Shield your business from unexpected liability costs<\/li><li><b>Employee Assurance<\/b>\u00a0&#8211; Demonstrate your commitment to workplace safety<\/li><\/ol><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4f80d31\" data-id=\"4f80d31\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-32d10ec elementor-widget elementor-widget-ct_heading\" data-id=\"32d10ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-32d10ec\" class=\"ct-heading h-align- sub-style1 ct-heading-left item-st-default\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h5 class=\"item--title st-default wow wow fadeInUp\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                How ION Help\n\n                \n                            <\/span>\n                    <\/h5>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acfcb17 elementor-widget elementor-widget-text-editor\" data-id=\"acfcb17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-title style-ion mb-22 md-mb-22\"><div class=\"last-half\"><p>Our brokerage specialists:<\/p><ul><li>Analyze your specific workforce risks<\/li><li>Secure comprehensive coverage at competitive rates<\/li><li>Ensure full compliance with Hong Kong&#8217;s evolving regulations<\/li><li>Provide ongoing policy management and claims support<\/li><\/ul><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        <div class=\"elementor-element elementor-element-cfdf886 e-flex e-con-boxed e-con e-parent\" data-id=\"cfdf886\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1e3d13 elementor-widget elementor-widget-ct_heading\" data-id=\"c1e3d13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-c1e3d13\" class=\"ct-heading h-align- sub- ct-heading-left item-st-line-left1\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h5 class=\"item--title st-line-left1 wow wow fadeInUp\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                                    <i><\/i>\n                \n                Understanding Coverage Limits\n\n                \n                            <\/span>\n                    <\/h5>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9950b8 elementor-widget elementor-widget-text-editor\" data-id=\"f9950b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<div class=\"sec-title style-ion mb-22 md-mb-22\">\n<div class=\"last-half\">\n\nDon&#8217;t leave your compliance to chance. <a class=\"btn btn-first\" href=\"https:\/\/iongroup.hk\/?page_id=8515\">\n<i class=\"flaticonv7 flaticonv7-play-button-1\" aria-hidden=\"true\"><\/i> Contact OUR TEAM<\/a> today for a no-obligation review of your current coverage and expert recommendations tailored to your business.\n\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                <section class=\"elementor-section elementor-top-section elementor-element elementor-element-47cb6f50 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"47cb6f50\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-036f037\" data-id=\"036f037\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-f109cdb elementor-widget elementor-widget-spacer\" data-id=\"f109cdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-098875f elementor-widget elementor-widget-ct_heading\" data-id=\"098875f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-098875f\" class=\"ct-heading h-align- sub- ct-heading-left item-st-line-left1\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-line-left1 case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                                    <i><\/i>\n                \n                Hong Kong Employees&#8217; Compensation Insurance FAQs\n                \n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b1992a9 e-flex e-con-boxed e-con e-parent\" data-id=\"b1992a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5451af elementor-widget elementor-widget-ct_accordion\" data-id=\"c5451af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div id=\"ct_accordion-c5451af\" class=\"ct-accordion layout1 style1 \">\n                    <div class=\"ct-accordion-item active\">\n                <div class=\"ct-ac-title active\" data-target=\"#acacd61ct_accordion-c5451af\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        1. How quickly must we report a workplace injury to initiate a claim?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"acacd61ct_accordion-c5451af\" class=\"ct-ac-content\" style=\"display:block;\"><div class=\"desc\"><p>By law, employers must notify their insurer <i>within 14 days<\/i>\u00a0of any work-related injury\/illness. Delays may result in penalties or claim disputes. Our team expedites this process with 24\/7 claims support.<\/p><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#1d7350fct_accordion-c5451af\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        2. Are foreign employees or domestic helpers covered under EC Insurance?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"1d7350fct_accordion-c5451af\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><div class=\"desc\"><p>Yes. The ordinance applies to\u00a0<i>all workers<\/i>\u00a0employed in Hong Kong, regardless of nationality or visa status. This includes part-time staff and foreign domestic helpers (FDHs). We help tailor coverage for diverse workforces.<\/p><\/div><\/div><\/div>\n            <\/div>\n                    <div class=\"ct-accordion-item \">\n                <div class=\"ct-ac-title \" data-target=\"#46d32d1ct_accordion-c5451af\">\n                    <a class=\"ct-ac-title-text\">\n                                                                        3. What happens if our business operations change (e.g., new hires, role changes)?                        <i class=\"ct-icon-accordion\"><\/i>\n                    <\/a>\n                <\/div>\n                <div id=\"46d32d1ct_accordion-c5451af\" class=\"ct-ac-content\"><div class=\"desc mb-20\"><div class=\"desc mb-20\"><div class=\"desc\"><div class=\"desc mb-10\"><p>Policy adjustments are often needed when:<\/p><ul><li>Headcount increases<\/li><li>Job risks change (e.g., switching to manual labor)<\/li><li>Employee salaries are revised<\/li><li>We proactively review policies during renewal and offer mid-term adjustments.<\/li><\/ul><\/div><\/div><\/div><\/div><\/div>\n            <\/div>\n            <\/div>\n    \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                <div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1b57503e\" data-id=\"1b57503e\" data-element_type=\"column\" data-e-type=\"column\" id=\"enquire\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    <div class=\"elementor-background-overlay\"><\/div>\n                    \n                <section class=\"elementor-section elementor-inner-section elementor-element elementor-element-19028d2c elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none\" data-id=\"19028d2c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n            \n                        <div class=\"elementor-container elementor-column-gap-extended \">\n                    <div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3feaf5a6\" data-id=\"3feaf5a6\" data-element_type=\"column\" data-e-type=\"column\">\n        <div class=\"elementor-widget-wrap elementor-element-populated\">\n                    \n        \t\t<div class=\"elementor-element elementor-element-2c15dac2 elementor-widget elementor-widget-ct_heading\" data-id=\"2c15dac2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ct_heading-2c15dac2\" class=\"ct-heading h-align- sub-style1 ct-heading-left item-st-default\">\n    <div class=\"ct-item--inner\">\n        <div class=\"ct-inline-css\" data-css=\"\n            \">\n        <\/div>\n                <h3 class=\"item--title st-default case-animate-time\" data-wow-delay=\"ms\">\n                        <span class=\"sp-main\">\n                \n                Enquire\n                \n                            <\/span>\n                    <\/h3>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a900fa9 elementor-widget elementor-widget-text-editor\" data-id=\"5a900fa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Send us a message when we would be glad to assist you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d36cfdd elementor-widget elementor-widget-ct_ctf7\" data-id=\"2d36cfdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ct_ctf7.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t    <div class=\"ct-contact-form-layout1 style1 wow fadeInUp\">\n                <div class=\"ct-contact-form-inner\">\n        \t            <div class=\"ct-contact-form\">\n                \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f91-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"91\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fpages%2F8858#wpcf7-f91-o1\" method=\"post\" class=\"wpcf7-form init cf7mls-no-scroll cf7mls-auto-return-first-step cf7mls-no-moving-animation\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"91\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f91-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your name*\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Email*\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"text\" name=\"your-phone\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-subject\"><select class=\"wpcf7-form-control wpcf7-select wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"your-subject\"><option value=\"Type Of Insurance\">Type Of Insurance<\/option><option value=\"Health Insurance\">Health Insurance<\/option><option value=\"Car Insurance\">Car Insurance<\/option><option value=\"Cyber Insurance\">Cyber Insurance<\/option><option value=\"Home Insurance\">Home Insurance<\/option><option value=\"Business Insurance\">Business Insurance<\/option><option value=\"Pet Insurance\">Pet Insurance<\/option><option value=\"Travel Insurance\">Travel Insurance<\/option><\/select><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-employment\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text\" aria-invalid=\"false\" placeholder=\"Your Employment\" value=\"\" type=\"text\" name=\"your-employment\" \/><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled col-12\">\n\t<p><div id=\"cf7sr-69fb323ecdf96\" class=\"cf7sr-g-recaptcha\" data-theme=\"light\" data-type=\"image\" data-size=\"normal\" data-sitekey=\"6LdXmKYrAAAAADsZVHte3c1Q4AKdcnhUoEBN7EJC\"><\/div><span class=\"wpcf7-form-control-wrap cf7sr-recaptcha\" data-name=\"cf7sr-recaptcha\"><input type=\"hidden\" name=\"cf7sr-recaptcha\" value=\"\" class=\"wpcf7-form-control\"><\/span>\n\t<\/p>\n<\/div>\n<div class=\"input-filled col-12\">\n\t<p><img decoding=\"async\" src=\"https:\/\/iongroup.hk\/wp-content\/uploads\/2025\/08\/lock.svg\" style=\"height: 1.5rem;\" \/>We respect your privacy and committed to protecting your personal data. Your data will be processed in accordance with our <a href=\"https:\/\/iongroup.hk\/?page_id=9169\" target=\"_blank\" style=\"text-decoration: underline !important;\">Privacy Policy<\/a>. <a href=\"https:\/\/iongroup.hk\/?page_id=9177\" style=\"text-decoration: underline !important;\">Terms & Conditions<\/a> applies.\n\t<\/p>\n<\/div>\n<div class=\"input-filled\">\n\t<p><button type=\"submit\" class=\"wpcf7-submit btn btn-block\"><i class=\"fac fac-check-circle space-right\"><\/i>Get Quote Now<\/button>\n\t<\/p>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"50\"\/><script>document.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );<\/script><\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n            <\/div>\n        <\/div>\n            <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t            <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n                    <\/div>\n        <\/div>\n                    <\/div>\n        <\/section>\n        \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Employees&#8217; compensation insurance (ECI) Employees&#8217; compensation insurance (ECI) EMPLOYEE COMPENSATION INSURANCE Under Hong Kong law, all employers are legally required to have\u00a0Employee\u2019s Compensation (EC) Insurance\u00a0to cover their liability if an employee is injured or falls ill due to work-related activities. This insurance, commonly known as\u00a0EC Insurance, is mandatory for\u00a0all employers\u00a0in Hong Kong\u2014regardless of whether their [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-8858","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8858","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/iongroup.hk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=8858"}],"version-history":[{"count":67,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8858\/revisions"}],"predecessor-version":[{"id":10145,"href":"https:\/\/iongroup.hk\/index.php?rest_route=\/wp\/v2\/pages\/8858\/revisions\/10145"}],"wp:attachment":[{"href":"https:\/\/iongroup.hk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}