家居寶 4.0
Product
家居寶4.0 (澳門)
為你的家與摯愛帶來周全保障
保障重點
- 家居財物「全險」保障每年高達港幣1,000,000元
- 貴重物品之總賠償額高達家居財物保障投保額的三分之一
- 保障您或家人因導致第三者受傷或財物損毀所須負的法律責任
計劃特點
- 家中金錢損失保障，每次事故之最高賠償額為港幣1,000元（於平日發生）或港幣2,000元（於法定假日發生），每年最高總賠償額為港幣5,000元
- 保障於海外公幹時意外遺失或盜竊的個人物品或金錢，總賠償額高達港幣2,500元
- 住所外之辦公室內損失之個人物品保障高達港幣2,500元
- 因家居意外損毀以致不宜居住，而需另覓臨時住所的費用或租金損失賠償保障，總賠償額高達港幣50,000元
- 意外遺失或損毀家傭個人物品保障高達港幣5,000元
- 租客法律責任保障租客因遺失或損毀業主的財物，最高賠償額可達家居財物投保額的百分之十
- 24 小時家居緊急支援服務
- 樓宇公用部份的業主責任保障高達港幣1,000,000元
- 自選樓宇結構保障
計劃細節
保障範圍
| 保障範圍 | 每年最高賠償額（以港幣計） | ||
|---|---|---|---|
| 計劃 A | 計劃 B | 計劃 C | |
| 基本保障 | |||
家居財物任何不可預見的意外如火災、颱風、氣體爆炸、水災、山泥傾瀉、地陷或盜竊等所引致的損失 |
$1,000,000 (每件、每套或每系列 100,000 元) |
$750,000 (每件、每套或每系列 100,000 元) |
$500,000 (每件、每套或每系列 100,000 元) |
貴重物件包括:珠寶、黃金、銀或其他貴重金屬、水晶及寶石、珍藏郵票、錢幣或徽章、腕錶、攝影器材、望遠鏡、藝術品、瓷器、古玩、皮草、樂器 (鋼琴除外) |
家居財物保障投保額的三分之一 每件$15,000 |
家居財物保障投保額的三分之一 每件$15,000 |
家居財物保障投保額的三分之一 每件$15,000 |
金錢包括: 作社交用途或自用的現金、支票、匯票、銀行本票、車船或飛機票、存款證、通用郵票、郵票、錢幣或徽章收藏、禮券 |
$5,000 每項損失 $1,000 |
$5,000 每項損失 $1,000 |
$5,000 每項損失 $1,000 |
| 額外保障 | |||
搬遷保障委託專業搬屋公司遷居的過程中，家居物品因意外而遺失或損壞 |
$100,000 | $100,000 | $100,000 |
暫時住所費用 / 租金損失因家居損毀不能居住 |
$50,000 每日$1,500 |
$50,000 每日$1,500 |
$50,000 每日$1,500 |
暫時家居物品因維修或清潔而將家居物品暫放於其他地方 |
$50,000 | $50,000 | $50,000 |
意外身故`您或配偶於家中因火災或盜竊而受傷並於三個月內身故 |
$50,000 | $50,000 | $50,000 |
盜竊受傷津貼您或配偶於家中因爆竊或偷竊事件而受傷，經醫生診斷並獲發病假不少於連續四天 |
$5,000 | $5,000 | $5,000 |
辦公室內損失個人物品於辦公室內損失的個人物品 |
$2,500 | $2,500 | $2,500 |
海外公幹時遺失個人物品 / 金錢於海外公幹時遺失個人物品或金錢 |
$2,500 | $2,500 | $2,500 |
家傭物品因意外而導致與您同住的家傭存放於家居內的家傭物品 (不包括金錢) 的損失 |
$5,000 | $5,000 | $5,000 |
金錢損失增額保障在公眾假期（星期日除外）期間遭爆竊而導致的金錢損失 |
每次意外$2,000 | 每次意外$2,000 | 每次意外$2,000 |
門鎖或窗鎖因盜竊損毀門窗因爆竊而引致損毀所需的換鎖費用 |
$2,500 | $2,500 | $2,500 |
冷藏食品變壞雪櫃故障而引致冷藏食品及飲品變壞 |
$5,000 | $5,000 | $5,000 |
檢疫隔離津貼按有關機構公佈規定，使您在非自願情況下被限制在居所接受隔離 |
$5,000 (每天$500 ，最長可達十天) |
$5,000 (每天$500 ，最長可達十天) |
$5,000 (每天$500 ，最長可達十天) |
租約責任意外損毀業主的家居設施 |
為家居財物保障投保額的 10% | 為家居財物保障投保額的 10% | 為家居財物保障投保額的 10% |
個人法律責任 (免費附送)您或家人因疏忽導致第三者受傷或財物損失的法律責任 此保障伸延至合約總值不超過港幣100,000元的家居維修或家居清潔所引致的第三者責任 |
$5,000,000 | $5,000,000 | $5,000,000 |
| 業主在公共地方的法律責任 | $1,000,000 | $1,000,000 | $1,000,000 |
24 小時家居緊急支援 (免費附送)若您遇到任何家居問題，我們的緊急支援可為您提供提供轉介服務 |
轉介服務 | 轉介服務 | 轉介服務 |
| 自選保障 | |||
樓宇結構保障您居所的結構部份，包括地板、牆、天花、門窗及其後有關的裝修工程 |
所選投保額 | 所選投保額 | 所選投保額 |
暫時住所費用樓宇因損毀而不能居住 |
$50,000 | $50,000 | $50,000 |
清除瓦礫樓宇損毀後的清理 |
$10,000 | ||
個人意外意外身亡及永久傷殘 |
所選投保額 | ||
| 暫時傷殘 - 指暫時不能從事慣常的職業 | 所選投保額 (賠償以每週形式支付) | ||
額外保障配偶額外保障
|
$100,000 | ||
| 殯儀及殮葬費用 | $25,000 | ||
| 衣服及個人物品因意外而損毀或遺失 | $2,000 | ||
| 跌打及針灸治療 | $1,500 每日每次診治$150 |
||
| 住院津貼 | 每週$500，最多52週 | ||
| 無索償優惠 - 逐年增加意外身亡及永久傷殘保障額。您更可將於現有保險公司所享有的無索償優惠轉至本公司(優惠額以本公司的比率計算為準) |
投保額每年增加10%,最長可達5年 | ||
| 雙倍賠償 | $1,000,000 | ||
全球個人財物保障一般個人財物 指定受保財物 |
所選投保額 所選投保額 (適用於每項價值超過5,000的財物) |
||
額外保障遺失金錢 |
$2,500 | ||
| 信用卡遭盜用 | $10,000 | ||
| 運動器材 | $2,500 | ||
| 個人證件 | $1,000 | ||
重要事項:
A. 適用於樓宇結構保障
- 樓宇結構的投保額應為樓宇重建及裝修的費用。
- 所投保的住所之樓宇樓齡必須少於40年
- 所投保的住所之樓宇必須為住宅用途，凡工業及商業大廈均不列入受保範圍
- 所投保的住所必須位於澳門特別行政區內，是您及您的家人的主要居所，並且不屬於村屋或類似村屋之建築物。
- 您及您的家人必須遵從所有法定條例，同時採取所有合理措施以預防遺失及損壞；以及保養及保持任何受保財物的狀態良好，並確保受保的建築物及您的家居符合公契及其他有關條例的法定要求
- 於受保住所中，牆壁、地板、門及門框、窗連窗框、天花以及由您在設置的裝修均列入樓宇結構保障範圍內
- 投保人只可於家居財物保障或樓宇結構保障其中一項索償暫時住所費用。
B. 適用於全球個人財物全險保障
- 一般個人財物的投保額應為每次外出時攜帶財物的最高總額。
- 如欲投保任何價值超過港幣5,000元的財物，請在投保書內另行列明，並於投保時提供收據證明。
- 倘若您希望投保任何價值高於港幣15,000元的財物，請於投保時向我們遞交有關單據以證其價值
C. 適用於個人意外保障
- 受保人年齡須為16至70歲。
- 意外身亡及永久傷殘保障為基本保障項目。
- 暫時傷殘保障的投保額不可超過您每星期的平均收入。
- 暫時傷殘保障不適用於自僱人士、家庭主婦及失業人士。
中、英文版本內容如有歧義，在任何情況下將以英文版本為準。有關保障範圍及承保條款，請參閱保單。
保費
| 建築面積 (平方呎)/ 項目 | 樓宇實用面積 (平方呎) | 全年保費（港幣/元） | |||
|---|---|---|---|---|---|
| 計劃 A | 計劃 B | 計劃 C | |||
| 不超過500 | 不超過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 | |
| 2,000 以上 | 1,600以上 | Please refer to us or your insurance advisor | Please refer to us or your insurance advisor | Please refer to us or your insurance advisor | |
| 個人法律責任 | 免費附送 | 免費附送 | 免費附送 | ||
| 24小時家居緊急支援 | 免費附送 | 免費附送 | 免費附送 | ||
| 樓宇結構 | 所選投保額的0.09% | 所選投保額的0.09% | 所選投保額的0.09% | ||
| 全球性個人財物 | 所選投保額的1.5% | 所選投保額的1.5% | 所選投保額的1.5% | ||
個人意外職業類別* |
第一類 | 第二類 | 第三類 | ||
| 意外身亡及永久傷殘 (以每宗事故10,000元的賠償額計) |
$9.40 | $10.40 | $18 | ||
| 暫時傷殘 (以每週100元的賠償額計) | $18 | $22 | $31 | ||
| 醫療費用 (以每宗事故100元的賠償額計) | $2.20 | $2.80 | $4.20 | ||
重要事項:
*職業類別第一類 ﹕從事專業、行政及其他非體力勞動的辦公室工作
第二類 ﹕其他非體力勞動的職業
第三類 ﹕輕微涉及體力勞動的職業
主要不保項目
| Contents | 主要不保項目 |
|---|---|
| 適用於所有部份 |
|
| 家居財物部份 |
|
主要自負額
| 主要自負額 | 自負額 (港幣／元) |
|---|---|
家居物品一般物件 |
$250 |
| 搬遷保障 | $1,000 |
| 山泥傾瀉及地陷 | $ 10,000 或核實後之損失總值的10%，以較高者為準 |
個人法律責任水損 |
$3,000 |
樓宇結構全險一般物件自負金額 |
$250 |
| 水損 | $1,000或損失總值的10%，以較高者為準 |
| 山泥傾瀉及地陷自負金額 | $10,000或損失總值的10%，以較高者為準 |
全球個人財物一般物件自負金額 |
$250 |
下載產品資料
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
以上提供之常見問題資料只供參考，有關保障範圍及承保條款，請參閱保單。