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Home Deluxe (Macau)
Why choose MSIG?
Customise your Sum Insured for Household Contents
You can specify your own cover limit for household contents to suit your specific needs
Personal Liability Cover
Up to HK$7,500,000
No Article Limit for Valuables
Up to 1/3 of Contents limit without article limit
Optional Family Accident Cover
Up to HK$400,000
Eco Living Coverage
Additional cover for each eligible lost or damaged item
| Benefits at a Glance | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
Basic Cover | |||
Home ContentAccidental loss of or damage to your contents
| Sum insured | ||
Household ImprovementsIncludes improvements and betterments on walls, windows, ceiling, floors and doors
| Sum insured | ||
ValuablesIncludes: jewellery, watches, furs, etc.
| 1/3 of Sum Insured on Contents | ||
| Money and Credit Card | $2,500 | ||
| Audio and Video Equipment | Sum insured | ||
Extra Benefits | |||
Household removalLoss of or damage to home contents (other than money & credit cards) if they are temporarily removed for repairing, cleaning or renovation
| Sum insured | ||
Temporary removal of household contentsLoss of or damage to home contents if they are removed for repairing, cleaning or renovation | 15% of the sum insured | ||
Mirrors and glass in FurnitureReplacement cost for accidental breakage of mirrors, glass tops to furniture and fixed glass in furniture | Sum insured | ||
Alternative accommodation/loss of rentIf your home becomes uninhabitable due to insured damages | 15% of the sum insured | ||
Locks and keysWhere the keys of such locks have been stolen | Up to replacement and installation cost | ||
Frozen food and drinksIf food in the freezer rot due to freezer failure | $2,500 | ||
Fatal accidentShould you or your spouse pass away within 3 months from injury caused by fire or thieves in your home | $50,000 | ||
Golfers Hole-In-One
| $2,000 | ||
Eco Living Coverage^
| 1,000 or 10% of the purchase price of the replacing item, whichever is lower | ||
Personal Liability (Free Cover)Any claim against you or your family members in the event of your negligence causing third party injury or property damage
| $7,500,000 | ||
| Owner’s Liability in Common Area | $1,000,000 | ||
Tenant’s Liability
| Sum insured on Contents | ||
| 10% of sum insured on Contents | ||
Optional Covers | |||
Worldwide Personal Possession A1Specified Personal Possessions | Sum insured | ||
Unspecified Personal Possessions
| Sum insured 25% of sum insured or maximum $5,000 per article A2 | ||
BuildingFor the structural part of your home including landlord’s fixtures and fittings | Sum insured B1 | ||
Personal Accident* (for age 16 – 70)Accidental death and permanent disablement
| $25,000 | ||
Temporary disablement
| $250 104 | ||
Temporary partial disablement
| $65 104 | ||
Medical expenses
| $2,000 | ||
Family Personal Accident C1 | |||
| Coverage/Age Group | 1 - 7 | 8 - 15 | 71 - 80 |
| Death | $50,000 | $100,000 | $200,000 |
| Permanent disablement | $100,000 | $200,000 | $400,000 |
| Medical expenses (per accident) | $5,000 | $5,000 | $5,000 |
* Self-employed individuals, housewives, and the unemployed are not entitled to this section.
^ Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme
Eligible Household Appliances means room air conditioners, refrigerators, washing machines, dehumidifiers, televisions, storage type electric water heaters, gas cookers and gas instantaneous water heaters.
Energy Label Product means any of the Listed Models of Prescribed Products as defined under the Energy Efficiency (Labelling of Products) Ordinance, Chapter 598 of the Laws of Hong Kong.
Important Notes:
A. For Worldwide Personal Possession Section
- The sum insured for unspecified items should represent the maximum possible value of all the property you are likely to carry away from home at any one time.
- For any property exceeding HK$5,000 which you would like to insure, please list down separately in the proposal form and provide invoice to prove its value.
B. For House Section
- The sum insured for the building should be the rebuilding value plus redecoration cost.
C. For Family Personal Accident
- Optional cover is available for immediate family members aged from 1 to 15 and 71 to 80 and who are living in Macau.
- For those who are aged 71 to 80, valid health certificate will be required.
- NO international emergency assistance cover for the insured aged from 1 to 15, or from 71 to 80.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Annual Premium (HK$) | |||
|---|---|---|---|
| Household Contents | Sum insured x 0.6% | ||
| Personal Liability | Free | ||
Optional CoversBuilding | Sum insured x 0.09% | ||
| Worldwide Personal Possessions | Sum insured x 1.5% | ||
Personal Accident Class 1 - e.g. Admin/Clerical | $65 per unit per person $84 per unit per person | ||
Family Personal AccidentAge Group | 1 - 7 | 8 - 15 | 71 - 80 |
| Annual Premium Per Person (HK$) | $185 | $260 | $480 |
- Mobile/portable radio telecommunication equipment e.g. mobile/portable telephones and pagers
- Motor vehicles
- Any loss or damage caused by:
- Animals
- Inherent fault or defective workmanship, defective material or design
- Mechanical breakdown and/or malfunction of electrical appliances and computer equipment
- Wear and tear, depreciation, mechanical or electrical defect
- Sonic bangs
| Excess Amount (HK$) | |
|---|---|
Household ContentsGeneral item | $250 |
BuildingGeneral item | $250 |
| Landslip and subsidence | $5,000 or 10% of loss, whichever is greater |
| Typhoon, storm or flood | $1,000 |
Worldwide All RiskUnspecified personal possessions | $250 |
