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Successfully apply for Home Care Plus Home Insurance Plan with promo code "H20HCD3" to enjoy HKD300 e-gift voucher.
Home Care Plus Home Insurance Plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited.
This Plan offers multiple coverage for household contents against unexpected accidents and loss. This Plan covers valuable and fragile items and provide content protection during removal and new home, up to HKD 1 million.
This Plan newly includes special benefits such as purchase protection and buyer protection to provide additional coverage for your purchases and transactions. We also offer flexible options such as coverage for Developer's Fixtures and Fittings to suit your unique needs and budget.
With a valid Travelsure Protection Plan policy underwritten by Chubb, your personal belongings taken on your journey gets a free upgrade with double indemnity.
It provides up to HKD1,000,000 coverage for household contents damage and losses of personal valuables (e.g. jewellery and watches) caused by accident such as typhoon, flooding and accidental water pipe burst.
Personal Effects and Valuables outside Premises covers against personal belongings damages and losses of up to HKD30,000 per year.
“Home and Away Cover”: If you also hold a valid policy of the Travelsure Protection Plan underwritten by Chubb, the maximum benefit of Worldwide All-Risks Cover for Personal Belongings under the Plan will even be doubled as a free upgrade during the insured journey.
Offers up to HKD10,000,000 coverage for the insured and any family members who need to be held legally liable or compensated for negligent bodily injury or property damage to a third party.
To meet your needs, by paying extra premium, it provides an all risk coverage for accidental damage to Developer’s Fixtures and Fittings up to HKD300,000.
| Benefit schedule |
Max limit per policy year (HKD) |
|
|---|---|---|
| Standard plan |
Premium plan |
|
Contents cover
|
500,000 per year |
1,000,000 per year |
| Contents |
50,000 per item |
100,000 per item |
| Valuables |
20,000 per item |
30,000 per item |
| Brittle items |
10,000 per year |
10,000 per year |
| Additional benefits | ||
| Alternative accommodation | 25,000 per occurrence (per day: 1,000) |
50,000 per occurrence (per day: 2,000) |
Loss of rent
|
25,000 per occurrence (per day: 1,000) |
50,000 per occurrence (per day: 2,000) |
Contents during removal
|
500,000 per occurrence |
1,000,000 per occurrence |
Personal effects and valuables outside premises
|
15,000 per occurrence |
30,000 per occurrence |
| Personal money loss by theft or burglary at premises |
2,000 per occurrence |
3,000 per occurrence |
| Replacement of windows, door locks and key |
2,000 per occurrence |
3,000 per occurrence |
| Loss of personal documents at premises due to theft or burglary at premises |
3,000 per occurrence |
3,000 per occurrence |
| Unauthorised use of credit cards due to theft or burglary at premises |
5,000 per occurrence |
5,000 per occurrence |
| Frozen food |
1,500 per year |
2,500 per year |
| Credit card specific fraudulent usage protection (per credit card: 1,000) |
5,000 per year |
5,000 per year |
| Loss of personal documents outside premises |
1,500 per year |
1,500 per year |
Contents stored outside premises
|
50,000 per occurrence |
100,000 per occurrence |
New home protection
|
500,000 per occurrence |
1,000,000 per occurrence |
| Contents in transit to and from storage facility |
75,000 |
150,000 |
| Removal of debris |
10,000 |
10,000 |
| Pets - accidental death or theft |
7,500 per pet |
7,500 per pet |
New purchase contents in transit
|
5,000 |
5,000 per occurrence |
Purchase protection & buyer’s protection
|
2,500 per year |
5,000 per year |
| Personal liability cover |
10,000,000 per occurrence /per year |
10,000,000 /per year |
| Additional extension |
||
Renovation, decorations, repair and alteration works extension
|
500,000 |
1,000,000 |
Home and away cover extension
|
Max. limit of section 1.3.4 increased to: 30,000 per year (5,000 per item) |
Max. limit of section 1.3.4 increased to: 60,000 per year (5,000 per item) |
| Personal accident |
250,000 per year |
250,000 per year |
Optional benefits
|
300,000 per occurrence |
300,000 per occurrence |
When you apply for this Plan online, the policy will be automatically renewed, giving you total peace of mind.
Online application is available for the following premises:
You can contact Hang Seng Bank if you want to apply for other insurance products.
The Worldwide Personal Liability Benefit of this Plan provides coverage up to HKD10,000,000 for the policyholder or his/her family members who are legally liable for accidents, including accidental incidents such as objects falling from height caused by negligence, and damage to shop property.
This Plan can protect both yours and the former tenant's decoration. If you want to protect the fixtures and fittings provided by the developer, you can choose to add "Developer’s Fixtures and Fittings" (optional benefits) when you apply. You only need to pay extra HKD30 per month to enjoy this additional all-risk protection, which covers the damage to the fixtures and fittings provided by the developer due to accidents. Items in coverage are limited to flooring, skirting, wall and ceiling paint works, wall tiles, iron gate, doors and door frames.
No, this Plan only provides protection for household contents (e.g. furniture, decoration, electrical appliances and personal belongings), excluding building structure, fixtures and fittings provided by the developer, such as floors, walls, doors and bathroom sanitary ware. The building structure is usually covered under the Fire Insurance Plan.
The legal liability arising from the property damage of buildings or other units caused by an accidental bursting of pipes within the insured property can generally be covered under the Worldwide Personal Liability Benefit.
Yes, but the coverage only includes the owner's home contents within the insured address, loss of alternative accommodation / rental, replacement of doors and windows, door locks and keys due to home burglary or theft, and Worldwide Personal Liability Benefit (subject to outbound travel not exceeding 30 days).
No, your policy will be automatically renewed.
If the home is unoccupied for 30 consecutive days or above, no claims will be paid for the loss of household contents, unless the loss is caused by fire, lightning, explosion, earthquake, typhoon, windstorm and flood.
However, if the insured or his/her family members successfully apply for the Travelsure Protection Plan (including Single Trip Cover / Annual Global Cover / Annual China Cover) during the period of insurance under Home Care Plus Home Insurance, the coverage period will automatically extend to the entire journey (up to 180 days for a Single Trip, and up to 60 days for an Annual Global Cover / Annual China Cover), for household contents section and developer’s fixtures and fittings section only.
No, you can only claim either actual loss of rent or alternative accommodation arranged to the tenant whichever is lower.
You can find all the forms and documents here for our insurance policies.
Excess for water damage to Section 1 Contents Cover, Section 3.1 Renovation, Decorations, Repair and Alteration Works Extension and Section 5 Developer’s Fixtures and Fittings:
Exclusions
Loss or damage which is caused by, arising from or in any way connected with: