Home Insurance

Type of plan

Silver Plan

Gold Plan

Platinum Plan

Home contents (including household improvements and betterments on walls, windows, ceiling, floors and doors)

Any unforeseen accidental loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft

$500,000*
($100,000 per item,
set or collection)

$750,000*
($150,000 per item,
set or collection)

$1,250,000*
($200,000 per item,
set or collection)

Valuables such as jewellery and watches

Stamps, coins or medals

Photographic equipment, such as camera or portable video camera or its accessories/ ancillary equipment

Brittle items, such as articles of glass, china, earthenware, crystal or bottles of wine/ liquor

Sunglasses or eyeglasses

Type of plan

Silver Plan

Gold Plan

Platinum Plan

Worldwide personal effects and valuables

$10,000
($2,500 per occurrence)

$15,000
($2,500 per occurrence)

$20,000
($2,500 per occurrence)

Worldwide personal money

$2,500

Unauthorised use of credit cards (worldwide cover)

$10,000

Worldwide loss of personal documents

$1,000
($1,000 per occurrence)

$3,000
($1,000 per occurrence)

$5,000
($1,000 per occurrence)

Sports Equipment (Worldwide cover)

$2,500

Accidental damage to mobile phone/ tablet or laptop computer

Not applicable

$2,000 (one device in aggregate)

Household removal – for loss of or damage to home contents during the course of removal by a professional remover

$100,000

($10,000 per item)

Temporary removal of contents – for loss of or damage to home contents if they are removed for repairing, cleaning or renovation

$50,000

$100,000

$150,000

Alternative accommodation/ loss of rent – if your home becomes uninhabitable due to an insured damage

$50,000

($1,500 per day for the cost of alternative accommodation)

Temporary storage of contents – for loss of or damage to home contents during temporary storage in a furniture depository within Hong Kong for up to 30 days

$50,000

Emigration cover – up to one month’s cover on personal effect whilst in a hotel or alternative accommodation pending emigration

$50,000

($2,500 per item)

Fatal accident benefit – if you or your family members passes away within 3 months from an injury caused in your home by fire or thieves

$50,000

Burglary/ robbery harm allowance – if you or your family members sustain injury caused by burglars or robbers in your home resulting in 4 or more consecutive days’ of sick leave granted by a doctor

$5,000

Damaged locks – replacement and installation cost if lock(s) of windows, gate or external door are damaged due to burglary or attempted theft

$5,000

Frozen food and drinks – if food & drinks are spoilt in the freezer due to the freezer failure

$5,000

Removal of debris – costs incurred to remove debris of damaged properties following an insured loss

$10,000

Domestic helper’s property

Alterations and repairs – loss of or damage to contents while alteration or repair works are carried out at your home (contract period not exceeding two months and exterior works do not exceed 20% of the total contract value)

Covered
(maximum contract
value of $100,000)

Covered
(maximum contract
value of $150,000)

Covered
(maximum contract
value of $200,000)

Breakage of window glass during typhoon

Home quarantine allowance – if you or your family are confined in (a) your home or (b) quarantine camps or hotel appointed by local authority in quarantine, as a result of the building or any person living in the building where your home located is in quarantine as declared by the local authority

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
• Your legal liability as a tenant
• Owner's liability in common area

$5,000,000

$8,000,000

$10,000,000

Your legal liability whilst alteration or repair works are carried out at your home

Covered
(maximum contract
value of $100,000)

Covered
(maximum contract
value of $150,000)

Covered
(maximum contract
value of $200,000)

24-hour home emergency assistance (free cover)

Immediate referral assistance if you encounter any problems with your home

Referral service

Type of plan

Silver Plan

Gold Plan

Platinum Plan

House

Accidental loss of or damage to your house

Sum insured ^A1

Alternative accommodation/ loss of rent – if your home is uninhabitable due to an insured loss or damage

$50,000 ($1,500 per day for alternative accommodation)

Landslip and subsidence extension – if loss or damage is caused to your home directly by landslip or subsidence

Covered

Worldwide all risks

Accidental loss of or damage to valuables or personal effects that happens anywhere in the world, including jewellery and watches

Sum insured ($5,000 per item unless specified ^B1 )

Personal accident (for age 16 – 70) ^C1

Accidental death and permanent disablement ^C2

Sum insured

Temporary disablement ^C3

Insure up to 80% of your average weekly earnings to be paid as weekly benefit if an accident prevents you entirely from engaging in your usual occupation for up to 104 weeks

Sum insured ^C4

(weekly benefit per injury)

Medical expenses

Sum insured

Extra benefits

Extended spouse cover - cover your spouse as well if you choose the cover for accidental death and permanent disablement for HK$1,000,000 or above 

$100,000

Family personal accident ^D1-3

Age 71 – 80

Age 8 – 15

Age 1 – 7

Death

$200,000

$100,000

$50,000

Permanent disablement

$400,000

$200,000

$100,000

Medical expenses

$5,000 per accident

Domestic helper^E1

Maximum benefits payable (HK$)

Cover A

Employees’ compensation cover

Hospital & related expenses cover^E4

In-patient medical expenses

$5,000

Repatriation expenses

$3,000

Cover B

Employees’ compensation cover

Clinical expenses^E4

Physiotherapist, Chinese medical practitioner or bonesetter

Medical protection for abuse of your family

• Trauma counselling expenses

Optional cover 1^{E2, E4}

Extend to cover heart disease and cancer under surgical & hospitalisation expenses, clinical expenses and service interruption

Optional cover 2^E2-E4

Besides to extend to cover cancer and heart disease under surgical & hospitalisation expenses, clinical expenses and service interruption, plus an extra indemnity of HK$70,000 for surgical & hospitalisation expenses

Optional covers

House

Sum insured x 0.09%

Worldwide all risks

Sum insured x 1.5%

Personal accident

Annual premium rate

Occupation Class**

Class 1

Class 2

Class 3

Accidental death and permanent disablement -
sum insured must be multiple of HK$10,000

0.094%

0.104%

0.18%

Temporary disablementC4 (weekly benefit per injury) -
sum insured must be multiple of HK$100

18%

22%

31%

Medical expenses - sum insured must be multiple of HK$100

2.2%

2.8%

4.2%

Family personal accident

Annual premium (HK$)

Age group

Age 71-80

Age 8-15

Age 1-7

Premium (HK$)

$480

$260

$185

Domestic helper

Annual premium (HK$)

Contents

$500

Water damage

i. for multi-storey building

• building age (30 years or below)

$1,000 or 5% of loss, whichever is the greater

• building age (31 to 40 years)

$3,000 or 10% of loss, whichever is the greater

• building age (41 to 50 years)

$5,000 or 20% of loss, whichever is the greater

House

$250

Landslip and subsidence

$10,000 or 10% of loss, whichever is greater

Worldwide all risks

$250