INSURING CLAUSE

1. This Policy Jacket, the Policy Schedule, the Table of Benefits and any Endorsement to this Policy shall be read together as one contract (this "Policy").

2. The Terms, Conditions and Exclusions contained in the Policy Schedule shall be read in accordance with and shall not be construed so as to modify, add to or in any way vary the terms, conditions and exclusions contained herein.

3. The Proposal and Declaration is incorporated in and is the basis of this Policy.

4. The Insured shall pay the premium specified in the Policy Schedule.

5. The Company shall provide insurance subject to the limits, terms, conditions and exclusions of this Policy in respect of any insured event occurring during the Period of Insurance specified in the Policy Schedule .

6. The due observance and fulfilment of the terms, conditions and endorsements of this Policy relating to anything to be done or not to be done or to be complied with by the Insured or any other person claiming to be indemnified; and the truth of the contents and statements in the Proposal and Declaration, shall be conditions precedent to any liability of the Company under this Policy.

1. "Building" shall mean the buildings of the private dwelling house or private flat situated at the Insured Premises as described in the Policy Schedule and of all garages and outbuildings used solely in connection therewith and on the same premises and shall include landlord fixtures and fittings therein and the windows, walls, doors, gates, fences around, patios, terraces, hedges, paths, drives , posts and masts pertaining thereto but excluding foundations and drains.

2. "Excess" shall mean the first amount or the percentage (if applicable) as specified in the Table of Benefits unless otherwise stated in the Policy Schedule of the adjusted loss for any claim, whichever is greater, which You must bear as You are not insured for this amount.

3. "Home" or "Insured Premises" shall mean the private dwelling of the Insured used for domestic purpose only and specified in the Policy Schedule as the Insured Premises.

4. "Hong Kong" shall mean the Hong Kong Special Administrative Region.

5. "Household Contents" shall mean (i) furniture, household appliance, Personal Effects (except those specifically insured in the Policy Schedule as separate items under Optional Benefits), household property of the Insured or the Insured's Family (ii) furnishings (iii) Household Improvements for which the Insured is legally responsible.

Household Contents do not include the following:

1. Money, deeds, bonds, bills of exchange, promissory notes, securities for money, documents of any kind, manuscripts and medals;

2. mechanically and/or electrically propelled vehicles and/or accessories, including but not limited to pedal cycles, motor cycles, aircraft and/or water crafts;

3. animals, plants, trees or living creatures and the like;

4. models, spectacles and lens including contact lens;

5. Building, drains, pipes, bathtub, washing basin, toilet bowl, external television and radio antennae, aerials, aerial fittings and satellite dish;

6. property placed in or on verandahs, balconies, patios, terraces, forecourts, roofs top or open areas;

7. the value of any kinds of information;

8. portable computers, portable audio/video players, portable data equipment, electronic diaries or personal data assistants while away from the Home;

9. mobile or portable telecommunication equipment, mobile telephones and pagers;

10. sports equipment whilst in use;

11. property primarily used for business or employment-related purposes;

12. property more specifically insured by any other insurance policy;

13. property in the course of removal or transit;

14. property normally located in some places other than the Home;

15. any recorded, produced or generated contents or materials inside a film, tape, cassette, cartridge, disc or diskette other than for their value as unused material, unless purchased pre-recorded when the Company will pay up to the market's latest price list in the event of loss of or damage to the same.

6. "Household Improvement" shall mean improvements and betterment on walls, ceilings, floors and doors which are carried out by the Insured but excluding windows of any kind.

7. "Low Rise House" shall mean house/ semi-detached house/ village house of not more than 3 storeys other than roof floor.

8. "Money" shall mean cash, currency note, coins, cheques, postal orders, bankers drafts, travelers cheques, travel tickets, saving certificates, stamps, gift tokens/coupon and cash coupon.

9. "Period of Insurance" shall mean the period of time specified in the Policy Schedule during which this Policy is effective, and You have paid or agreed to pay the premium.

10. "Personal Documents" shall mean Hong Kong Identity Cards, Hong Kong Driving Licence, China Re-entry Permit and passports.

11. "Personal Effects" shall mean articles of personal possessions normally worn or carried by and belonging to You or Your Family but excluding Money, Personal Documents, documents of value, credit cards, automatic teller machine cards and stored-value devices.

12. "Policy" shall mean and refer to the entire Policy document between the Insured and the Company including Application, Proposal, Declaration submitted or made by the Insured, the Policy Jacket, the Table of Benefits, the Policy Schedule issued hereunder and any endorsements thereto.

13. "The Insured Person" shall mean the Insured and/or any member of the Insured's Family.

14. "Valuables" shall mean articles of gold, platinum, silver, jade, diamond, jewellery or other precious metals or stones, watches, works of art, antique, chinaware, curios, furs and musical instruments (excluding pianos).

15. "We" or "Us" or "Our" or "Company" shall mean Blue Cross (Asia-Pacific) Insurance Limited.

16. "You" or "the Insured" shall mean the person who contracts with the Company and named as the Policyholder in the Policy Schedule and who is insured under this Policy.

17. "Your Family" or "the Insured's Family" shall mean your spouse, children or relatives ordinarily residing with You at the Home.

18. "Your Domestic Helper" shall mean the domestic helper or helpers in the Insured's employ who is/are residing with You at the Home.

SECTION 1 - HOUSEHOLD CONTENTS

EXTENSION BENEFITS
The maximum liability of the Company payable under the basic coverage and the following extensions will not exceed the sum insured of Basic Coverage as stated in the Table of Benefits.

1. Removal of Debris
   The Company will pay the costs and expenses necessarily incurred by the Insured with the consent of the Company in:
   a) removing debris,
   b) dismantling and/or demolishing,
   c) shoring up or propping,
   of any portion or portions of the insured Household Contents.

2. Interior Alterations or Repairs
   This Policy will cover the loss of or damage to the insured Household Contents excluding materials and works carried out by the contractors within the Home during the period of interior alterations or repairs subject to the maximum contract value and maximum contract period as stated in the Table of Benefits.

3. Replacement of Locks or Windows
   The Company will pay the necessary and reasonable expenses incurred for the replacement and installation of windows and door locks and/or keys for the main entrance(s) to the Home following loss of or damage to the items due to burglary or attempted theft.

4. Personal Effects
   This Policy will extend to cover Personal Effects against all unforeseen and sudden accidental physical loss or damage anywhere in the world while carried by You or Your Family.

5. Loss of Money or Unauthorised use of credit cards
   This Policy will extend to cover loss of Money or loss resulting in unauthorised use of credit cards belonging to You or Your Family within Hong Kong during the Period of Insurance provided that the loss is caused by fire, or burglary or robbery or theft leaving forcible violent and visible marks.
   
   The Company will not be liable for any of the following losses:
   a) loss resulting from unauthorised use by You or Your Family;
   b) loss that can be recovered from any other source;
   c) loss not reported to the police within 24 hours of discovery of the loss.

6. Personal Documents
   The Company will pay for the replacement costs of Personal Documents belonging to You or Your Family against accidental loss anywhere in Hong Kong.

7. Household Removal or Temporary Removal
   This Policy will extend to cover the loss of or damage to the insured Household Contents while they are being moved by professional removers to a new risk of location insured with Us within Hong Kong up to two (2) days from the first day of such household removal, or while temporarily removed from the Home for the purpose of professional cleaning, repair or renovation or maintenance within Hong Kong up to fourteen (14) days from the first day of such temporary removal, provided that the loss or damage shall not be covered under any other policy. The Company shall not be liable for loss of or damage to property removed for exhibition or sale.

8. Damage to Frozen Food
   The Company will pay the replacement cost of frozen food in the Insured's refrigerator situated at the Home due to deterioration caused by a change in temperature of the refrigerator, provided that the Company shall not be liable for
   a) loss or damage resulting from the deliberate act of any person or the electricity supply company; or
   b) loss or damage caused by the failure of the refrigerator which is more than five (5) years old.

9. Domestic Helper's Property
   This Policy will cover Personal Effects of Your Domestic Helper whilst such properties are situated in the Home provided that the loss is caused by fire or burglary accompanied with forcible violent and visible marks on the Home.

1. Alternative Accommodation
   In the event of the Home being rendered uninhabitable by an insured peril covered under this Section, the Company will pay the necessary and reasonable expenses for alternative accommodation actually incurred by the Insured during the period necessary for the reinstatement of the Home.
   This Policy will not cover any expenses incurred as a result of the Home being rendered uninhabitable by decoration without any physical loss or damage covered under this Section prior to such decoration.

2. Accidental Death Benefit
   This additional benefit covers bodily injury suffered by You or Your Family whilst in the Home caused by violent external and visible means and sustained as a result of fire or caused by robbery where such bodily injury shall within three (3) calendar months result in the death of You or Your Family. Where compensation is payable under this additional benefit in respect of the death of more than one Insured Person arising out of the same event, the aggregate of the compensation payable in respect of the death of each of the Insured Person is subject to the maximum limit payable for this benefit, which compensation shall be apportioned in equal shares.

The provision of the following 24-hour home assistance services by an independent service provider is available to the Insured in emergency cases:-

1. Electrical Assistance - to arrange for a registered electrician to repair any defect of the Insured Premises' electrical system.

2. Plumbing Assistance - to arrange for a licensed plumber to repair the Insured Premises' water supply system.

3. Locksmith Assistance - to arrange for a locksmith to gain access to the Home.

4. General Repair on Household Items - to arrange for the relevant contractor or service provider to fix any household problem of the Insured Premises.

5. Baby Sitting / Nursing Referral - to arrange for a baby sitter or domestic helper to take care of the Insured's child(ren) or other family member during the Insured's absence. A qualified nurse can also be sent to the Home to attend to the needs of any person specified by the Insured.

6. Temporary Domestic Helper referral - to arrange for a temporary local domestic helper upon the request of the Insured.

7. Pest Control / Cleaning Referral - to arrange for a company specialised in pest control to deal with pest problems or a cleaning company to assist the Insured to clean the Home.

8. Domestic Helper Advice - to provide information relating to overseas domestic helpers based on materials released by the Labour Department of Hong Kong.

9. House Call Arrangement - to arrange for a registered doctor to pay home visits and render medical treatment if necessary.

The service providers and/or the contractors and/or professionals to which the Insured may be referred are independent contractors and not employees servants or agents of the Company and the Company shall not be responsible for the services provided by them or be liable for any negligence and/or omission on the part of these service providers and/or contractors and/or professionals. Further, the Company shall not in any way be held liable for any loss or damage suffered by the Insured as a result of the provision of any of the above services by such service providers and/or contractors and/or professionals.

In addition, the Company, its service providers and/or the contractors and/or professionals to which the Insured may be referred shall not be held responsible for the failure or delay in providing services or assistance caused by any administrative, political or government impediment, industrial action, riot and civil commotion, or any form of political unrest (including but not limited to war, terrorism, insurrection), adverse weather conditions or any other circumstances beyond their control.

The use of the above services arranged by the Company is at your own accord.

Simply make a call to the 24-hour hotline 3608 6083 and quote your Policy Number to request for any of the above services.

1. Loss or damage caused by any of the following:

   1. wear and tear;

   2. mildew, mold, moisture, rot, corrosion, rust, gradual deterioration, market depreciation, the action of light or atmosphere and gradually operating causes;

   3. insects, vermin, animals;

   4. dyeing, cleaning, repairing, restoring, renovation;

   5. scratching, marring or denting;

   6. breakdown and/or mechanical malfunction of electrical appliances and computer equipment;

   7. inherent fault or latent defect, defective workmanship materials or design, or deformation;

   8. misuse or use contrary to manufacturer's instruction or specification;

   9. change in temperature other than change in temperature of refrigerator covered in Extension Benefit 8 "Damage to Frozen Food" above, colour, flavour, texture or finish;

   10. landslip and subsidence;

   11. theft or attempted theft not accompanied with forcible or violent entry to or exit from the Home leaving visible marks;

   12. consequential loss or damage of any kind;

   13. mysterious disappearance or unexplained loss;

   14. detention, seizure or confiscation by customs or other officials;

   15. loss of or damage to electrical equipment and wiring caused by electrical current or power surge;

   16. deception or conspiracy;

   17. leaving properties behind and unattended.

2. Any loss or damage occasioned by seepage into and/or pollution and/or contamination of the property insured unless the property insured is the subject of physical loss or damage directly resulting from seepage and/or pollution and/or contamination occasioned by a sudden identifiable unintended and unexpected event of a peril otherwise insured.
   
   However, the costs of cleaning up or decontamination of the environment (land, air or water) shall be excluded from the coverage of this Policy.

1. Settlement of claims may be made by payment or at Our option by reinstatement or repair or replacement. Unless shown separately in the Table of Benefits, the Company will not pay more than the maximum limit of any items as stated in the Table of Benefits.

2. For carpet and rug, this Policy covers only total or substantial loss by actual ignition, and whereas searing, scorching and smouldering occasioned by sparks and the like is not covered.

3. The Company does not have to repair the property insured to such extent as they exactly were before the damage but will ensure that they are reasonably comparable with their original condition as long as it is practicable to do so.

4. The Company will pay for the full replacement or repair cost of furniture, furnishings and home appliances if the same is not more than five (5) years old and the full cost of Household Improvement to the Home if the same was carried out not more than five (5) years ago, otherwise, the Company will carry out repair to the damaged property or indemnify You for the market value of the damaged property at the time of the loss.

5. In case the Insured fail to furnish Us with documentary proof or choose not to replace the claimed item after any loss or damage, depreciation will thus be applied and the rate of depreciation shall be determined at the Company's discretion. If the claim is not substantiated by documentary proof such as a receipt, the item limit payable in respect of Household Contents and the extension benefits for Personal Effects under Section 1 shall be one third of the item limit as stated in the Table of Benefits.

1. accidental death or bodily injury of third party ; or

2. accidental loss of or damage to third party property

occurring in or about the Insured Premises as (i) the owner of the Building , or (ii) a lawful occupier of the Home ; or occurring solely in his/her personal capacity (not as an occupier or owner of any building) anywhere in the world. The Company shall also pay the legal costs and expenses recoverable by any claimant from You and all costs and expenses incurred with Our prior written consent.

1. This Policy will not cover any liability for:

   1. bodily injury to You or Your Family or any person in the service of You or Your Family ;

   2. loss of or damage to property belonging to or in the care, custody or control of You or Your Family or any person in the service of You or Your Family;

   3. fines, penalties, punitive or exemplary damages.

2. This Policy will not cover any liability arising out of or in connection with:

   1. the ownership, occupation or use of any land or building other than the Insured Premises;

   2. any agreement to make payment by way of indemnity or otherwise unless such liability would be attached in the absence of such agreement;

   3. the exercise of any trade, profession or employment other than the employment of domestic servant in your service ;

   4. the ownership, possession, driving or use of any mechanically-propelled vehicles, aircrafts or watercrafts;

   5. the ownership, use or possession of any animals other than domestic dogs or cats allowed to be kept at your Home under the Deeds of Mutual Covenants and the rules and regulations imposed by the management office of the building wherein the Home is situated.

3. Seepage Pollution and Contamination Exclusion

   This Policy will not cover any liability for:

   1. bodily injury or loss of, damage to, or loss of use of property directly or indirectly caused by seepage, pollution or contamination; and

   2. the cost of removing, nullifying or cleaning-up seeping, polluting or contamination substances;  

   except where the seepage, pollution or contamination is caused by a sudden identifiable unintended and unexpected happening during the Period of Insurance of this Policy.

3.1 BUILDING

This Policy will cover You against any unforeseen sudden accidental physical loss or damage to the Building unless the cause of such loss or damage is specifically excluded in Section 1.

BASIS OF SETTLEMENT OF CLAIMS

1. The Company will pay the costs actually incurred to rebuild or repair the Building to the same condition and extent it was when new provided that the sum insured shall be adequate to pay for the actual costs of rebuilding or repairing the Building, otherwise, the rebuilding or repairing costs payable will be subject to the Average Clause, if applicable, as stipulated below.

2. If You do not rebuild or repair the Building, the Company will only pay You the reasonable costs of rebuilding or repairing the Building to the same condition and extent it was when new assessed as at the time of loss or damage less depreciation and/or wear and tear while the assessed costs of rebuilding or