FamilySurance Plus 4.0
Product
FamilySurance Plus 4.0 (Macau)
Protect your home and the belongings you love
Key Features
- All Risks Home Contents Protection of up to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year
- Covers specified valuable properties of up to HK$15,000 per item, set or collection with an aggregate limit of 1/3 of the household contents sum insured per year
- Occupier’s Liability and Personal Liability Cover protects you and your family against any legal liability to a third party injury or property damage of up to HK$5,000,000
Plan Highlights
- Cover loss of money at home up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, an aggregate limit of HK$5,000 per year
- Accidental loss or theft of personal money or personal effects on business trip outside Hong Kong up to HK$2,500
- Loss of personal effects kept in your office outside home up to HK$2,500
- Pay for alternative accommodation expense or loss of rent up to HK$50,000 if your home is uninhabitable due to accidental damage
- Cover accidental loss of or damage to the personal belongings of domestic servant up to HK$5,000
- Tenant’s liability against loss of or damage to landlord’s
- Owner’s liability in common area cover up to HK$1,000,000 properties up to 10% of the household contents sum insured
- 24 hours Home Emergency Assistance Service
- Optional Building covers at your choice
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
| Plan A | Plan B | Plan C | |
| Basic Covers | |||
Household ContentAny unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft |
$1,000,000 $100,000 per item, set or collection |
$750,000 $100,000 per item, set or collection |
$500,000 $100,000 per item, set or collection |
ValuablesIncludes: jewellery, items of gold, silver or other precious metals, items of crystal and precious stones, watches, photographic equipment, binoculars, works of art, Chinaware, curios, furs, musical instruments (excluding pianos) |
1/3 of the section limit chosen $15,000 per item |
1/3 of the section limit chosen $15,000 per item |
1/3 of the section limit chosen $15,000 per item |
MoneyIncludes: cash, cheques, postal orders, banker's drafts, travel tickets, saving certificates, current postage stamps, collection of stamps, coins or medals, gift tokens, all held for social or domestic purposes |
$5,000 $1,000 per loss |
$5,000 $1,000 per loss |
$5,000 $1,000 per loss |
| Extra Benefits | |||
Household RemovalFor loss of or damage to household contents during the course of removal by a professional remover |
$100,000 | $100,000 | $100,000 |
Alternative Accommodation/Loss of RentShould your home become uninhabitable due to insured damages |
$50,000 $1,500 per day |
$50,000 $1,500 per day |
$50,000 $1,500 per day |
Temporary Removal of Household ContentsTemporary removal of household contents for repairing or cleaning |
$50,000 | $50,000 | $50,000 |
Fatal AccidentShould you or your spouse pass away within 3 months from injury caused by fire or burglars in your home |
$50,000 | $50,000 | $50,000 |
Burglary Harm AllowanceIf you or your spouse sustains injury caused by burglars or robbers in your home with 4 or more consecutive days of sick leave granted by a doctor |
$5,000 | $5,000 | $5,000 |
Loss of Personal Effects in OfficePersonal effects kept in your office |
$2,500 | $2,500 | $2,500 |
Loss of Personal Effects/Money on Business TripsLoss or theft of money or personal effects whilst you are away from Macau on business trips |
$2,500 | $2,500 | $2,500 |
Domestic Servant's PropertyAccidental loss of or damage to personal belongings (excluding money) of your domestic servant normally residing with you whilst such properties are contained in your home |
$5,000 | $5,000 | $5,000 |
General Holidays IncrementFor loss of money due to burglary during public holidays (except Sundays) |
$2,000 per incident | $2,000 per incident | $2,000 per incident |
Damaged LocksFor replacement cost due to burglary |
$2,500 | $2,500 | $2,500 |
Frozen FoodIf food and drinks in freezer rots due to freezer failure |
$5,000 | $5,000 | $5,000 |
Home Quarantine AllowanceIf confined at home involuntarily in quarantine as declared by the local authority |
$5,000 $500 x 10 days |
$5,000 $500 x 10 days |
$5,000 $500 x 10 days |
Tenant's LiabilityFor loss of or damage to landlord's property |
10% of the section limit | 10% of the section limit | 10% of the section limit |
Personal Liability (Free)Any claim against you or your family members in the event of your negligence causing third party injury or property damage It extends to contingent contractor’s liability for maintenance and home cleaning services with contract sum of not more than HK$100,000 |
$5,000,000 | $5,000,000 | $5,000,000 |
|
Owner's liability in common areas |
$1,000,000 | $1,000,000 | $1,000,000 |
24-Hour Home Emergency Assistance (Free)Offers immediate assistance on referral services if you encounter any problems with your home |
Referral service | Referral service | Referral service |
| Optional Cover | |||
BuildingFor the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement) |
Sum insured | Sum insured | Sum insured |
Alternative AccommodationShould your home become uninhabitable due to insured damages |
$50,000 | $50,000 | $50,000 |
Removal of DebrisAfter the damage or destruction to your building |
$10,000 | ||
Personal AccidentAccidental death and permanent disablement |
Sum insured | ||
| Temporary disablement – being unable to attend to usual occupation temporarily | Sum insured (weekly benefit) | ||
Extra BenefitsExtended Spouse Cover
|
$100,000 | ||
| Funeral and cremation expenses | $25,000 | ||
| Damage or loss of clothing and personal effects during accident | $2,000 | ||
| Bonesetters & acupuncturists treatment | $1,500 $150 per consultation per day |
||
| Hospital Confinement Allowance | $500 per week up to 52 weeks | ||
| No claim bonus - the no claim bonus you are enjoying can be transferred to us from your current insurer, subject to our scale | 10% increase on sum insured per annum up to 5 years | ||
| Double indemnity | $1,000,000 | ||
Worldwide Personal PossessionsUnspecified item Specified item |
Sum insured Sum insured (for each property exceeding $5,000) |
||
Extra BenefitsMoney |
$2,500 | ||
| Unauthorised use of credit cards | $10,000 | ||
| Sports equipment | $2,500 | ||
| Personal documents | $1,000 | ||
Important Notes:
A. For Building Section
- The sum insured for the building should be the rebuilding value plus redecoration cost.
- The premises or building to be insured must be less than 40 years of age.
- The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
- The premises to be insured must be your family’s and your principal place of residence located in Macau SAR and is not a village house or the likes.
- You and your family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the building and your home.
- Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by you within the insured premises are covered under the Building Section.
- Alternative Accommodation can only be claimed under either Contents section or Optional Building section.
B. For Worldwide Personal Possessions Section
- The sum insured for unspecified items should represent the maximum possible value of all the property you are likely to carry away from home at any one time.
- For any property exceeding HK$5,000 which you would like to insure, please list down separately in the proposal form and provide invoice to as proof of its value.
- If you would like to insure any valuable property exceeding HK$15,000, You should provide relevant invoice to prove its value at the time of application.
C. For Personal Accident Section
- This insurance is available to persons aged from 16 to 70.
- Accidental Death & Permanent Disablement Benefit is the basic cover.
- Please do not insure the Temporary Disablement Benefit with the limit exceeding your average weekly earnings.
- Self-employed individuals, housewives, and unemployed are not entitled to Temporary Disablement Benefit.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Gross Floor Area (sq ft)/Items | Saleable Floor Area (sq ft) | Annual Premium (HK$) | |||
|---|---|---|---|---|---|
| Plan A | Plan B | Plan C | |||
| Up to 500 | Up to 400 | $1,030 | $790 | $540 | |
| 501 - 700 | 401 - 560 | $1,430 | $1,090 | $750 | |
| 701 - 1,000 | 561 - 800 | $1,820 | $1,390 | $960 | |
| 1,001 - 1500 | 801 - 1,200 | $2,430 | $1,860 | $1,290 | |
| 1,501 - 2,000 | 1,201 - 1,600 | $2,860 | $2,190 | $1,520 | |
| Over 2,000 | Over 1,600 | Please refer to us or your insurance advisor | Please refer to us or your insurance advisor | Please refer to us or your insurance advisor | |
| Worldwide Personal Liability | Free | Free | Free | ||
| 24-Hour Home Emergency Assistance | Free | Free | Free | ||
| Building | 0.09% | 0.09% | 0.09% | ||
| Worldwide Personal Possessions | 1.5% | 1.5% | 1.5% | ||
Personal AccidentOccupational Class* |
Class 1 | Class 2 | Class 3 | ||
| Accidental death & permanent disablement (for every $10,000 compensation in an injury) |
$9.40 | $10.40 | $18 | ||
| Temporary disablement (for every $100 weekly payment) |
$18 | $22 | $31 | ||
| Medical expenses (for every $100 compensation in an injury) |
$2.20 | $2.80 | $4.20 | ||
Important Notes:
*Occupational classClass 1: refers to professional, administrative and office duties without manual work
Class 2: refers to other non-manual occupations
Class 3: refers to occupations involving slight manual work
Exclusions
| Contents | Major Exclusions |
|---|---|
| For All Sections |
|
| For Household Contents Section |
|
Excess
| Major Excess | Excess Amount (HK$) |
|---|---|
Household ContentsGeneral item |
$250 |
| Household removal | $1,000 |
| Landslip and subsidence | $10,000 or 10% of adjusted loss, whichever is greater |
Personal LiabilityWater damage |
$3,000 |
BuildingGeneral items |
$250 |
| Water damage | $1,000 or 10% of loss, whichever is greater |
| Landslip and subsidence excess | $10,000 or 10% of loss whichever is greater |
Worldwide Personal PossessionsGeneral item excess |
$250 |
Faq Section
I am moving to a new home. Am I covered under my FamilySurance Plus 4.0 Insurance Policy?
Subject to a few exceptions and a maximum limit, your Household Contents are covered under the Policy in the course of your household removal if this is done through the service of a professional remover.
However, please be aware that the Household Content items listed below are not covered
- Money
- Valuable property
- Fragile items which are unsuitably packed
If my domestic helper causes damage to third party properties or injures a third party in an accident, am I covered under FamilySurance Plus 4.0 Insurance Policy?
If the domestic helper causes third party property damage or a third party bodily injury while she is working for you and you are legally liable for her acts, this policy will cover you against the legal liability.
If the domestic helper causes the damage or the injury while she is acting for herself only, no cover for such damage or injury will be provided by this policy.
If a window frame falls from my flat, am I protected by my FamilySurance Plus 4.0 Insurance Policy?
A window frame is part of a Building. If you have purchased the Building Section, the replacement cost of the window frame is covered by the Policy as long as the cause of its fall is not excluded by the Policy. However, if it falls because of its own wear and tear or corrosion, the Policy will not pay for the replacement.
If a third party is injured or if third party properties are damaged as a result of the fall of the window frame, FamilySurance Plus 4.0 will indemnify you against your personal liability if you are held legally liable for the situation not being excluded under the policy.
My home was broken into and I lost my expensive watches. Am I covered under my FamilySurance Plus 4.0 Insurance Policy?
The Policy will pay for the lost watches up to a specified maximum value per watch as stated in the Policy.
Question Set
Faq Question
Faq Answer
Subject to a few exceptions and a maximum limit, your Household Contents are covered under the Policy in the course of your household removal if this is done through the service of a professional remover.
However, please be aware that the Household Content items listed below are not covered
- Money
- Valuable property
- Fragile items which are unsuitably packed
Faq Question
Faq Answer
If the domestic helper causes third party property damage or a third party bodily injury while she is working for you and you are legally liable for her acts, this policy will cover you against the legal liability.
If the domestic helper causes the damage or the injury while she is acting for herself only, no cover for such damage or injury will be provided by this policy.
Faq Question
Faq Answer
A window frame is part of a Building. If you have purchased the Building Section, the replacement cost of the window frame is covered by the Policy as long as the cause of its fall is not excluded by the Policy. However, if it falls because of its own wear and tear or corrosion, the Policy will not pay for the replacement.
If a third party is injured or if third party properties are damaged as a result of the fall of the window frame, FamilySurance Plus 4.0 will indemnify you against your personal liability if you are held legally liable for the situation not being excluded under the policy.
Faq Question
Faq Answer
The Policy will pay for the lost watches up to a specified maximum value per watch as stated in the Policy.
Remark
This FAQ information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.