iHome with Domestic Helper Insurance

Household Contents

Any 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

Valuables

Includes: 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

Money

Includes: cash, cheques, postal orders, bankers 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

Employees’ compensation cover

Your liability as an employer under the law

$100,000,000

$100,000,000

Clinical expenses

• Out-patient medical treatment received from registered medical practitioner in the event of bodily injury or sickness

• Bonesetter treatment 

Surgical and hospitalisation expenses 

• Hospital confinement for surgery or treatment of bodily injury or sickness

$30,000

• Room and board, and other miscellaneous hospital services

• Surgical operation

Service interruption cover 

Loss of service resulting from the confinement of domestic servant in a hospital for at least one day for surgery or treatment of bodily injury or sickness

$6,000
($200 per day)

$6,000
($200 per day)

Dental expenses

Dental treatment including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease

$1,500
(Two-thirds of actual expenses per claim)

$1,500
(Two-thirds of actual expenses per claim)

Personal accident benefit

Accidental bodily injury resulting in death or permanent disablement during his/her rest days within 12 months from the date of accident 

$100,000

$100,000

Repatriation expenses

Repatriation of your domestic servant who is certified by a registered medical practitioner as medically unfit to complete the contract in the event of serious sickness or bodily injury, or the repatriation of his/her mortal remains to the country of residence in the event of death

$20,000

$20,000

Replacement helper expenses

Reasonable and necessary expenses actually incurred for employing a new domestic servant in the event that the insured repatriates the existing domestic servant due to serious illness, bodily injury or death

$3,000

$3,000

Fidelity guarantee cover  

• Pecuniary loss caused by fraud or dishonesty committed by your domestic servant

• Unauthorised telephone calls 

Replacement and installation cost of main door or metal gate lock

Cost of main door lock or metal gate lock following the termination of employment contract with the domestic servant due to discovery of any act of infidelity or repatriation of the domestic servant (Replacement & installation must be undertaken within 7 days after the termination of employment contract)

$500

$500

Building

For the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement

Sum insured

Sum insured

Alternative accommodation

Should your home become uninhabitable due to insured damages

$50,000

$50,000

Removal of debris

After the damage or destruction to your building

$10,000

$10,000

Up to 500

$1,780

$1,540

501 - 700

$2,180

$1,840

701 - 1,000

$2,570

$2,140

1,001 - 1500

$3,180

$2,610

1,501 - 2,000

$3,610

$2,940

Over 2,000

Please call our Customer Services Hotline

Please call our Customer Services Hotline

Worldwide Personal Liability

Free

Free

24-Hour Home Emergency Assistance

Free

Free

Building

0.09% on sum insured

0.09% on sum insured

For All Sections

• Sub-divided home or sub-let premises
• Insured premises that are situated in a building where sub-divided flats are known to exist
• Insured premises that are used for business purposes or as a holiday home
• Unoccupied premises for more than 30 consecutive days
• Illegal structure exists in the insured premises

For Household Contents Section

• Contents on roof or in open area
• Mobile/portable radio telecommunication equipment e.g. mobile/portable telephones and pagers
• Any loss or damage caused by:
  1. Domestic animals which you own or are in your custody or control
  2. Inherent fault or defective workmanship, defective material or design
  3. Mysterious disappearance or unexplained loss
  4. Mechanical breakdown and/or malfunction of electrical appliances and computer equipment
  5. Wear and tear
  6. Sonic bangs

• Motor vehicles
• Livestock, pets and animals
• Any items that fall under the definition of “Building” as described below:
  1. The structural part of your home including but not limited to fabric walls and the wall paint, flooring, doors with frames, windows with frames
  2. Permanent fixtures and fittings including but not limited to skirting, water pipes, electric cables/wiring, fixed glass, sanitary fixtures, fixed or permanently installed on the structural parts of your home
  3. Outbuildings at your home used for domestic purposes
  4. Swimming pools, tennis hard courts, garden walls, patios, terraces, hedges, fences, gates, paths and drives, that are forming part of your home (but not retaining walls, foundations and drains)

For Domestic Servant Section

• Pre-existing ailments
• Rest-cure or physical check-up
• Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilisation, heart disease or cancer
• Any routine examination, scaling, polishing or cleaning and crowning, cost of any bridges, braces and dentures
• Vaccinations, immunisation, injections or preventive medication
• Repatriation or transportation of mortal remains originating outside Hong Kong (applicable to Domestic Servant Cover B - Item 7 Repatriation Expenses and Item 8 Replacement Helper Expenses)
• Bodily injury occurring outside the rest days (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)
• Bodily injury sustained outside Hong Kong (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)

Household Contents 

General items

$250

Household removal

$1,000

Landslip and subsidence

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

Personal Liability

Water damage

$3,000

Building (Optional Cover)

General items

$250

Water damages

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

Landslide and subsidence

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