Household Protection Plus


Underwritten by Blue Cross (Asia-Pacific) Insurance Limited
 


Home is inarguably one of your most valuable assets in life. It is worth more than the substantial savings for its purchase or dedication that you committed in making it comfortable. What’s more, it is where it brings endless joy, love and treasured memories.

Household Protection Plus is your smart choice of home insurance. It comes in 6 plan levels with premiums based on the size of your home which better fits your needs and budget. The policy provides comprehensive cover for accidental damage to householdcontents and even those stored in a professional storage facility.

Whether you are the owner, tenant, occupier or landlord of a building apartment or a village house, you will be at home with Household Protection Plus which serves to safeguard your most precious things in life.

 
 
 
Plan Highlights

    • Coverage for Household Contents up to HK$3,000,000, including furniture, household appliances, household renovation, valuables and more
    • Alternative Accommodation and Meal Allowance, Accidental Death and Bodily Injury Allowance cover the insured, insured household and their pets
    • Extended benefits cover wine, contents in the open area, business property for work from home and more
    • Cash allowance covers damage to household contents stored in professional storage facilities
    • Worldwide protection on personal liability, money, unauthorised use of credit card, personal documents and specified electronic products (e.g. mobile phone, tablet computer and laptop computer) and optional benefit of personal effects and valuables
    • Coverage for Public Liability up to HK$20,000,000
    • Landlord can select plan 5 or 6, which provides the coverage of malicious damage by tenant, loss of rent and more
    • 5 optional benefits: All-Risks Coverage for Building | Car Parking Space and Electric Vehicle Charger Protection | Top-up Cover for the Basic Benefits of Public Liability | Personal Effects and Valuables (Worldwide Cover) | Top-up Cover for Loss of Rent
    • Coverage for building age up to 60 years; no excess for claims for most losses or damages if the building aged 45 years or below
    • Green Living Benefit - encourages use of energy efficient household appliances
    • No Claim Benefit Upgrade - increases the initial sum insured by up to 10% at policy renewal
    • 24-hour Home Assistance Service provides cashless electrical, plumbing and locksmith assistance and referral services including general repair on household items, baby sitting, nursing, temporary domestic helper and more

 


Please refer to the Product Leaflet fot the details, benefits/ coverage, premium, major exclusions, important notes of the plan.

 

 

[ Policy Terms & Conditions ]



Important Notes

  1. The policy may be cancelled at any time by the insured by giving no less than 7 days’ prior written notice to Blue Cross. Provided that no claim has been made under the policy, the insured shall be entitled to a partial refund of premium equivalent to the actual premium paid for that period of insurance less the premium to be charged according to the short period rates stated in the policy for the period of insurance has been in force and subject to a minimum premium per policy as stipulated in the policy schedule.
  2. Blue Cross reserves the right to adjust the benefits, premiums, terms and conditions of the policy from time to time.


Major Exclusions
  1. Any loss or damage arising from robbery, burglary, theft or attempted theft which has not been reported to the police within 24 hours of discovery.
  2. Any loss of or damage to the household contents situated at the insured premises arising from robbery, burglary, theft or attempted theft not evidenced by visible marks of force or violence entry to or exit from the insured premises.
  3. Any loss of or damage to personal effects and/or valuables left behind and unattended in the public area.
  4. Any loss of or damage to the building and/or the household contents at the insured premises directly or indirectly arising from or caused by theft, attempted theft, burglary, robbery or water damage after it has been unoccupied for more than 60 consecutive days.
  5. Any loss, destruction, injury, disease or damage to any person or property, or any liability for loss, destruction, injury, or damage to any person or property, caused directly or indirectly by or contributed to, by or arising from:
    - unexplained loss;
    - unauthorised building works;
    - the insured premises is partially let or sub-let;
    - fraudulent action, trick device, false pretence, deception, conspiracy, wilful malicious or unlawful act committed by the insured, the insured household or the insured’s domestic helper;
    - war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power, nationalisation, confiscation, requisition, seizure or destruction by the government, municipal, local or any public authority, or any act of terrorism.

Claim Procedure
  • Within 14 days from the occurrence of the event giving rise to a claim under the policy, customers must provide notice of claim to Blue Cross via the 24/7 Smart eClaims online platform at Blue Cross website, Blue Cross HK App. The claim submission should include the loss of circumstances and all required certified information and evidence as requested by Blue Cross.
  • For claim in relation to public liability, notice of the event giving rise to the legal liability must be given to Blue Cross immediately together with required documents.
  • In case of any event pertaining to fire, theft, attempted theft, burglary, robbery, malicious damage, riot or strike, the insured must report the loss to the police, building management office and/or any other relevant authorities and Blue Cross immediately and in any event not later than 24 hours after the discovery of above loss.

    For details of the claims conditions, please refer to the terms and conditions of the relevant insurance policy.

Notes
  • This brochure is for distribution in Hong Kong only. The distribution of this brochure is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. Should there be any discrepancy between the English and the Chinese versions of this brochure, the English version shall apply and prevail. This brochure is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions.
  • Household Protection Plus is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.
  • Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.


Blue Cross Customer Service Hotline 2839 6377



This webpage is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions. Should there be any discrepancy between the English and the Chinese versions of this material, the English version shall apply and prevail. All insurance product information available on this website is not and shall not be construed as an offer to sell or a provision of insurance products to any person in any jurisdiction outside Hong Kong or a solicitation to such person to buy insurance products.

The insurance plan is underwritten by Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), a subsidiary of AIA Group Limited. The Bank of East Asia, Limited ("BEA") is an appointed insurance agency of Blue Cross. The insurance plan is a product of Blue Cross but not BEA. All benefits payable under the insurance plan are subject to the credit risk of Blue Cross.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BEA and the customer out of the selling process or processing of the related transaction, BEA is required to enter into a Financial Dispute Resolution Scheme process with the customer.

BEA’s sales staff (including direct sales staff and authorised agents) are remunerated not only based on their financial performance, but also according to a range of other factors, including their adherence to best practices and their dedication to serving customers’ interests.

Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of AIA Group Limited. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.