Home Deluxe (Macau)
Total home-care protection for your family and property
Plan Highlights
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Self-determined Sum Insured for Household ContentsYou can specify your own cover limit for household contents to suit your specific needs |
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Personal Liability CoverUp to HK$7,500,000 |
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No Article Limit for ValuablesUp to 1/3 of the section limit chosen without article limit |
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Optional Family Accident CoverUp to HK$400,000 for your children and parents |
Plan details
Benefits
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
Basic Cover |
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Home ContentAny unforeseen accidental loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft |
Sum insured No article limit |
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Household ImprovementsIncludes improvements and betterments on walls, windows, ceiling, floors and doors |
Sum insured of Home Contents No article limit |
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ValuablesIncludes: jewellery, watches, furs, etc. |
1/3 of the section limit chosen No article limit |
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| Money and Credit Card | $2,500 | ||
| Audio and Video Equipment | Sum insured | ||
Extra Benefits |
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Household RemovalLoss of or damage to home contents (other than money & credit cards) if they are temporarily removed for repairing, cleaning or renovation |
Sum insured No article limit |
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Temporary Removal of Household ContentsLoss of or damage to home contents if they are removed for repairing, cleaning or renovation |
15% of the sum insured | ||
Mirrors and Glass in FurnitureReplacement cost for accidental breakage of mirrors, glass tops to furniture and fixed glass in furniture |
Sum insured | ||
Alternative Accommodation/Loss of RentIf your home becomes uninhabitable due to insured damages |
15% of the sum insured |
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Locks and KeysWhere the keys of such locks have been stolen |
Up to replacement and installation cost | ||
Frozen FoodIf food in the freezer rot due to freezer failure |
$2,500 | ||
Fatal Accident BenefitShould you or your spouse pass away within 3 months from injury caused by fire or thieves in your home |
$50,000 | ||
Golfers Hole-In-One
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$2,000 | ||
Personal Liability (Free Cover)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 a contract sum of not more than HK$100,000 |
$7,500,000 | ||
| Owner’s Liability in Common Area | $1,000,000 | ||
Tenant’s liability
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Sum insured on Contents | ||
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10% of sum insured on Contents | ||
Optional Covers |
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Worldwide Personal Possession A1Specified Personal Possessions |
Sum insured | ||
| Unspecified Personal Possessions | Sum insured 25% of sum insured or maximum $5,000 per article A2 |
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BuildingFor the structural part of your home including landlord’s fixtures and fittings |
Sum insured B1 | ||
Personal Accident* (for age 16 – 70)Accidental death and permanent disablement |
$25,000 per unit of compensation insured | ||
| Temporary disablement | $250 per unit per week Maximum up to 104 weeks |
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| Temporary partial disablement | $65 per unit per week Maximum up to 104 weeks |
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| Medical expenses | $2,000 per unit | ||
Family Personal Accident C1 |
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| Coverage/Age | 71 - 80 | 8 - 15 | 1 - 7 |
| Death | $200,000 | $100,000 | $50,000 |
| Permanent disablement | $400,000 | $200,000 | $100,000 |
| Medical expenses (per accident) | $5,000 | $5,000 | $5,000 |
* Self-employed individuals, housewives, and the unemployed are not entitled to this section.
Important Notes:
A. For Worldwide Personal Possession 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$5,000 which you would like to insure, please list down separately in the proposal form and provide invoice to prove its value.
B. For House Section
- The sum insured for the building should be the rebuilding value plus redecoration cost.
C. For Family Personal Accident
- Optional cover is available for immediate family members aged from 1 to 15 and 71 to 80 and who are living in Macau.
- For those who are aged 71 to 80, valid health certificate will be required.
- NO international emergency assistance cover for the insured aged from 1 to 15, or from 71 to 80.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
| Annual Premium (HK$) | |||
|---|---|---|---|
| Household Contents | Sum insured x 0.6% | ||
| Personal Liability | Free | ||
Optional CoversBuilding |
Sum insured x 0.09% | ||
| Worldwide Personal Possessions | Sum insured x 1.5% | ||
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Personal Accident Class 1 - e.g. Admin/Clerical |
$65 per unit per person $84 per unit per person |
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Family Personal AccidentAge Group |
1 - 7 | 8 - 15 | 71 - 80 |
| Annual Premium Per Person (HK$) | $185 | $260 | $480 |
Exclusions
- Mobile/portable radio telecommunication equipment e.g. mobile/portable telephones and pagers
- Motor vehicles
- Any loss or damage caused by:
- Animals
- Inherent fault or defective workmanship, defective material or design
- Mechanical breakdown and/or malfunction of electrical appliances and computer equipment
- Wear and tear, depreciation, mechanical or electrical defect
- Sonic bangs
Excess
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Excess Amount (HK$) |
|---|---|
Household ContentsGeneral item excess |
$250 |
BuildingGeneral item excess |
$250 |
| Landslip and subsidence excess | $5,000 or 10% of loss, whichever is greater |
| Typhoon, storm or flood | $1,000 |
Worldwide All RiskUnspecified excess |
$250 |