INSURANCE
Coverage & Benefits
Premium
Policy Terms
Exclusions
Application Form
¡@
HomeSafe Protection Insurance - Premium
This insurance is
underwritten by: Blue Cross (Asia-Pacific) Insurance Limited
Annual Premium |
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| ¡@ | Plan I |
Plan II |
Plan III |
Non-low rise house |
HK$680 |
HK$980 |
HK$1,480 |
Low rise house |
HK$1,280 |
HK$1,880 |
HK$2,680 |
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Remarks: - "Low rise house" shall mean
house / semi-detached house / village house of not more than 3 storeys other
than roof floor. - Subject to a minimum premium of HK$500 for an in force period of less than 1 year. |
HomeSafe Protection Insurance - Coverage & Benefits
This insurance is
underwritten by: Blue Cross (Asia-Pacific) Insurance Limited
Insured Items |
Maximum Limit (HK$) Per Year |
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Plan I |
Plan II |
Plan III |
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Section 1 - Household Contents
- Sum insured (Basic coverage and extension) |
$300,000 |
$500,000 |
$1,000,000 |
Basic Coverage |
Limit per item / set |
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Furniture, furnishings, household appliances, computer, hi-fi,
television, home video equipment, piano |
$50,000 | $75,000 | $100,000 |
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- Household improvement
- walls, ceilings, floors and doors Max. 20% of sum insured per year |
$50,000 | $75,000 | $100,000 |
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- Valuables (e.g.
jewellery, furs, watches, etc.) Max. 1/3 of sum insured per year |
$5,000 | $7,500 | $10,000 |
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- Foodstuffs (except
frozen food) Max. 10% of sum insured per year |
$5,000 | $7,500 | $10,000 |
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- Household contents
other than above Max.100% of sum insured per year |
$5,000 | $7,500 | $10,000 |
Extension For Free |
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| - Removal of debris |
10% of adjusted loss |
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| -
Interior alterations or repairs (max. contract value of HK$50,000 and contract period not exceeding two months) |
According to the maximum limit of Household Contents Section |
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| - Replacement of locks or windows due to home burglary |
$3,000 |
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- Personal effects
(excluding money) outside the insured premises Max. HK$15,000 per year |
$3,000
per item / set |
$4,500
per item / set |
$6,500
per item / set |
| - Loss of money or unauthorised use of credit cards (within Hong Kong) from fire, robbery or burglary |
$2,000 |
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- Loss of personal
documents within Hong Kong
(i.e. Hong Kong Identity Card, Hong Kong driving licence, China re-entry permit and passport) |
$1,000 | $1,500 | $2,000 |
| -
Loss of or damage to household contents within Hong Kong from: - Household removal by professional removers up to 2 days - Temporary removal for cleaning, repairing or renovation up to 14 days Max. HK$50,000 per year |
$10,000 per item / set |
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| - Damage to frozen food |
$5,000 |
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| -
Loss of domestic helper's property from fire or home burglary Max. HK$1,500 per year |
$500 per item / set |
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Additional Benefits For Free |
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| - Alternative accommodation | $50,000 per year | $60,000 per year | $70,000 per year |
| $1,000 per day | $1,200 per day | $1,500 per day | |
| -
Accidental death benefit from home fire or robbery Max. HK$400,000 per year |
$100,000 per family member |
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Section 2 - Public Liability
- Property owner's or occupier's liability - Personal liability (worldwide) |
$5,000,000 |
$8,000,000 |
$10,000,000 |
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Any one accident / any one period of insurance |
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Extension For Free |
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| -
Insured's liability arising out of interior alterations or repairs (max. contract value of HK$50,000 and contract period not exceeding 2 months) |
$1,000,000 |
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| Section 3 - Optional Benefits | |||
| - All-risk coverage for building |
Subject to quotation |
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| - Additional valuables | N/A | Subject to quotation | |
Notes: Application is subject to underwriting if the building age exceeds 30 years. |
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