Underwritten by Blue Cross (Asia-Pacific) Insurance Limited
As your most treasured possession, your home deserves to be taken care of and protected. Household Protection Insurance helps you safeguard your home by providing extensive coverage for household contents and valuables, plus accidental liability protection to cope with unexpected incidents such as typhoon, flood, fire, burglary and so forth. Benefits are tailored to cover your investment property and/or contents you provide for the tenant’s use against loss or damage, enabling you to enjoy total peace of mind.
Plan Highlights
- Household contents coverage up to HK$1,200,000
- 3 different plan levels with varying amounts of sum insured
- Level premium regardless of the size of the insured premises
- Extended coverage in addition to household contents, such as removal of debris, interior alterations or repairs, loss of money or unauthorised use of credit cards, loss of personal documents
- Cash allowance covering damage of household contents stored in professional storage facilities
- Worldwide protection on personal effects and personal liability
- Public liability coverage up to HK$10,000,000
- 24-hour home assistance service providing free referral services, such as electrical and plumbing assistance, baby sitting/nursing, temporary domestic helper
- Optional all-risk coverage for building and coverage for additional valuables
- Coverage of insured premises with building age up to 45 years
| Schedule of Benefits | Maximum Benefit Limit Per Period of Insurance (HK$) | ||
|---|---|---|---|
| Plan 1 | Plan 2 | Plan 3 | |
| Section 1 – Household Contents | |||
| Sum Insured (inclusive of Basic Benefits and Extended Benefits in Section 1) | 500,000 | 750,000 | 1,200,000 |
| A.Basic Benefits | |||
| Basic Benefits cover the household contents below in the insured premises against any accidental loss or damage up to the following maximum benefit limit: | |||
| 1.Furniture, furnishings, household appliances, computer, television, home audio and video equipment, piano •Maximum benefit limit per item/set | 500,000
|
750,000
|
1,200,000
|
| 2.Household improvement on walls, ceilings, floors and doors •Maximum benefit limit per item/set | 100,000
|
150,000
|
240,000
|
| 3.Valuables, such as diamond, jewellery, watches, works of art, music instruments (except piano), etc. •Maximum benefit limit per item/set | 166,667
|
250,000
|
400,000
|
| 4.Foodstuffs (except frozen food) •Maximum benefit limit per item/set | 50,000
|
75,000
|
120,000
|
| 5.Other household contents •Maximum benefit limit per item/set | 500,000
|
750,000
|
1,200,000
|
| B.Extended Benefits | |||
| 1.Removal of Debris Cost of removal of debris, dismantling or propping of the household contents due to accidental loss or damage |
10% of adjusted loss | ||
| 2.Interior Alterations or Repairs Loss of or damage to household contents during interior alterations or repairs (provided that the maximum contract value and contract period not exceeding HK$50,000 and 2 months respectively) |
Subject to the maximum benefit limit of Section 1 – Household Contents | ||
| 3.Replacement of Locks and Windows Replacement and installation cost if windows, door locks and/or keys of the main entrance(s) of home are lost or damaged due to burglary or attempted theft |
3,000 | 3,000 | 3,000 |
| 4.Personal Effects (Worldwide) Accidental loss of or damage to personal effects such as handbags, watches, cameras, etc. that brought along by the insured person and the insured family anywhere in the world •Maximum benefit limit per item/set |
15,000
|
15,000
|
15,000
|
| 5.Money or Unauthorised Use of Credit Card Accidental loss of money or loss resulting from unauthorised use of credit cards belonging to the insured person or the insured family due to fire, burglary, robbery or theft in Hong Kong |
2,000 | 2,000 | 2,000 |
| 6.Personal Documents Replacement cost of personal documents belonging to the insured person or the insured family as a result of accidental loss in Hong Kong |
1,500 | 1,800 | 2,000 |
| 7.Household Removal or Temporary Removal Loss of or damage to household contents while they are: a)being moved by professional remover from home to a new permanent residence in Hong Kong (up to 2 days) b)temporarily removed from home for professional cleaning, repair, renovation or maintenance within Hong Kong (up to 14 days) •Maximum benefit limit per item/set |
200,000
|
200,000
|
200,000
|
| 8.Storage of Household Contents Cash allowance will be payable if the household contents that stored in a professional storage facility are damaged due to fire, flood, water discharged or overflowing, etc. |
7,500 | 9,000 | 10,000 |
| 9.Frozen Food Replacement cost of frozen food stored in the freezer compartment of the refrigerator which is spoiled due to a change in temperature of such refrigerator or freezer by accidental means |
5,000 | 5,000 | 5,000 |
| 10.Domestic Helper’s Property Accidental and physical loss of the personal effects of the insured domestic helper due to fire or burglary at home •Maximum benefit limit per item/set |
1,500
|
1,500
|
1,500
|
| C.Additional Benefits | |||
| 1.Alternative Accommodation Necessary and reasonable expenses for alternative accommodation incurred if the home becomes uninhabitable due to accidental loss of or damage to household contents •Maximum benefit limit per day |
60,000
|
70,000
|
80,000
|
| 2.Accidental Death Accidental death of the insured person or the insured family within 3 calendar months due to fire or robbery at home •Maximum benefit limit per family member |
400,000
|
400,000
|
400,000
|
| 3.24-hour Home Assistance Service Provision of services including electrical assistance, plumbing assistance, locksmith assistance, general repair on household items, baby sitting/nursing referral, temporary domestic helper referral, etc. |
✔ | ✔ | ✔ |
| Section 2 – Public Liability | |||
| A.Basic Benefits | |||
| 1.Property Owner’s or Occupier’s Liability 2.Personal Liability (Worldwide) Coverage of the legal liability to a third party arising from the insured person and/or the insured family (i) as an owner of the premises, (ii) as a lawful occupier of the premises, or (iii) solely in a personal capacity anywhere in the world that causing: a)accidental death or bodily injury to third party; or b)accidental loss of or damage to third party’s property |
8,000,000 | 9,000,000 | 10,000,000 |
| Any one accident / Any one period of insurance | |||
| B.Extended Benefit | |||
| Interior Alterations or Repairs Liability Coverage of the liability arising from interior alterations or repairs under Section 1 (provided that the maximum contract value and contract period not exceeding HK$50,000 and 2 months respectively) |
1,000,000 | 1,000,000 | 1,000,000 |
| Any one accident / Any one period of insurance | |||
| Section 3 – Optional Benefits (subject to additional premium) | |||
| 1.All-risk Coverage for Building Coverage of the cost to rebuild or repair the building against accidental and physical loss of or damage arising from but not limited to fire, flood, explosion or typhoon |
Up to the selected sum insured | ||
| 2.Additional Valuables Coverage of the valuables, such as diamond, jewellery, watches, antiques, etc., against accidental and physical loss or damage |
N/A | Up to the selected sum insured | |
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.
