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Home Insurance (Macau)
Why choose MSIG?
Utmost Protection for Your Home Contents
Cover accidental loss or damage to contents for up to HK$1,000,000 (Applicable to Plan A only)
Protection to Your Mobile Devices 
Worldwide cover against accidental damage to mobile phone/tablet or laptop computer (Max. 2 reimbursements / year; applicable to Gold Plan and Platinum Plan only)
Water Damage Protection
Covers water seepage, personal injury or loss of or damage to property directly or indirectly caused by seepage
Temporary Pet Boarding 
Up to HK$3,000 per day if your home rendered uninhabitable due to accidental loss or damage
Eco Living Coverage
Additional cover for each eligible lost or damaged item
Personal Liability Protection
Protect you, your family and domestic helper against legal liability to any accidental third party injury or property damage during work of up to HK$8,000,000
| Household contents (Basic cover) | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
| Type of plan | Plan A | Plan B | Plan C |
Household ContentLimit per item, set or collection | 1,000,000* 100,000 | 750,000* 100,000 | 500,000* 100,000 |
ValuablesLimit per item | 1/3 of the household contents limit 15,000 | 1/3 of the household contents limit 15,000 | 1/3 of the household contents limit 15,000 |
Money, stamps, coins or medals | 10,000
| 10,000
| 10,000
|
| Extra benefits | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
| Type of plan | Plan A | Plan B | Plan C |
1. Alternative accommodation and loss of rent | 50,000 | 50,000 | 50,000 |
- Limit per day of alternative accommodation - Limit per day of temporary boarding for your pet | 1,500 3,000 | 1,500 3,000 | 1,500 3,000 |
2. Fatal accident benefit | 150,000 | 100,000 | 50,000 |
3. Burglary/robbery harm allowance# | 10,000 | 10,000 | 10,000 |
4. Damaged lock | 2,500 | 2,500 | 2,500 |
5. Frozen food and drinks | 5,000 | 5,000 | 5,000 |
6. Personal effects in your office | 2,500 | 2,500 | 2,500 |
7. Personal money/personal effects on business trips | 5,000 | 5,000 | 5,000 |
| - Limit per occurrence | 2,500 | 2,500 | 2,500 |
8. General holidays increment for loss of money during a robbery on general holidays | 5,000 | 5,000 | 5,000 |
9. Temporary removal | 50,000 | 50,000 | 50,000 |
10. Domestic helper's property | 5,000 | 5,000 | 5,000 |
11. Household removal | 100,000 | 100,000 | 100,000 |
12. Landslip & subsidence extension | Covered | Covered | Covered |
13. Tenant's liability | 10% of Household contents limit | 10% of Household contents limit | 10% of Household contents limit |
14. Removal of damaged household contents | 10,000 | 10,000 | 10,000 |
15. Online purchased goods protection | 5,000 | 5,000 | 5,000 |
| 2 | 2 | 2 |
| 1,500 | 1,500 | 1,500 |
| 500 | 500 | 500 |
16. Eco Living Coverage^Additional cover for each eligible lost or damaged item | 1,000 or 10% of the purchase price of the replacing item, whichever is lower | ||
17. Psychiatric services# | 10,000 | 10,000 | 10,000 |
18. Accidental damage to mobile phone/ tablet or laptop computer^ (worldwide cover) |
5,000 2 |
5,000 2 |
|
19. Outdoor Property Extension | 50,000 2,500 | 50,000 2,500 | 50,000 2,500 |
Personal Liability (Free cover) | |||
| 5,000,000 | 5,000,000 | 5,000,000 |
| Covered | Covered | Covered |
| Covered | Covered | Covered |
| 100,000 | 100,000 | 100,000 |
| 1,000,000 | 1,000,000 | 1,000,000 |
* Inclusive of all sub-limits under extra benefits and in the aggregate
# Either Burglary/robbery harm allowance or Psychiatric services is payable
^ Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme
Eligible Household Appliances means room air conditioners, refrigerators, washing machines, dehumidifiers, televisions, storage type electric water heaters, gas cookers and gas instantaneous water heaters.
Energy Label Product means any of the Listed Models of Prescribed Products as defined under the Energy Efficiency (Labelling of Products) Ordinance, Chapter 598 of the Laws of Hong Kong.
| Optional Covers | Maximum Benefits Payable Per Year (HK$) | ||
|---|---|---|---|
Optional cover - BuildingStructural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement | Sum insuredA1 | ||
Extra benefits | |||
Alternative accommodation/loss of rentLimit per day of alternative accommodation Limit per day of temporary boarding for your pet | 50,000 1,500 3,000 | ||
Removal of debris | $10,000 | ||
Landslip and subsidence extension | Covered | ||
Optional cover - Personal AccidentB1 (for age 16-70)Accidental death and permanent disablementB2 | Sum insured | ||
Temporary disablementB3Weekly limit per injury Maximum no. of week | Sum insuredB4 80% of average weekly earnings 104 | ||
Medical expenses | Sum insured | ||
Extra benefits | |||
1. Funeral and cremation expenses | 25,000 | ||
2. Extended spouse cover if Accidental death and permanent disablement is insured for HK$1,000,000 or above | 100,000 | ||
3. Clothing and personal effects damage compensation | 2,000 | ||
4. Bonesetters & acupuncturist treatment expenses if Medical expenses is insured for HK$10,000 or above | 1,500 | ||
| Limit per visit | 150 | ||
| Limit of visit per day | 1 | ||
5. Hospital confinement allowance | |||
| Limit per week | 500 | ||
| Maximum no. of week | 52 | ||
6. No claim bonus | 10% increase on sum insured for Accidental death and permanent disablement compounding each year over a 5-year period | ||
7. Double indemnity for accidents during travelling on a public transport or during a robbery | Up to 1,000,000 | ||
Optional cover - Worldwide personal possessions | |||
Accidental loss of or damage to valuables or personal effects that happens anywhere in the world | Sum insured | ||
| Limit per unspecified item | 5,000C1 | ||
Extra benefits | |||
1. Money | 2,500 | ||
2. Unauthorised use of credit cards | 10,000 | ||
3. Sports equipment | 2,500 | ||
4. Personal documents | 1,000 | ||
Important Notes:
A. For Building section
- The sum insured for the building should be the rebuilding value plus redecoration cost.
B. For Personal Accident section
- Optional cover is available for immediate family members aged from 16 to 70 and are living in Macau.
- Accidental death & permanent disablement benefit is the basic cover.
- Self-employed individuals, housewives, and the unemployed are not entitled to temporary disablement benefit.
- Temporary disablement benefit shall not exceed 80% of weekly average earnings of the insured person.
C. For Worldwide Personal Possessions section
- For valuables such as jewellery and watches, which you would like to insure, please list down each item with full description and respective insured value separately and provide invoice to prove their value. For miscellaneous items valued less than HK$5,000 each, they can be grouped as one item in which case the sum insured should represent the total value of such properties ;you are likely to carry away from home at any one time.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
| Gross Floor Area (sq ft) | Saleable Floor Area (sq ft) | Annual Premium (HK$) | ||
|---|---|---|---|---|
| Plan A | Plan B | Plan C | ||
| Up to 500 | Up to 400 | $1,030 | $790 | $540 |
| 501 – 700 | 401 - 560 | $1,430 | $1,090 | $750 |
| 701 – 1,000 | 561 - 800 | $1,820 | $1,390 | $960 |
| 1,001 – 1500 | 801 - 1,200 | $2,430 | $1,860 | $1,290 |
| 1,501 – 2,000 | 1,201 - 1,600 | $2,860 | $2,190 | $1,520 |
| Over 2,000 | Over 1,600 | Special quotation | Special quotation | Special quotation |
Optional covers | Annual premium (HK$) | ||
Building | Sum insured x 0.09% | ||
Personal accident | Annual premium rate | ||
| Occupation Class~ | Class 1 | Class 2 | Class 3 |
| Accidental death and permanent disablement - sum insured must be multiple of HK$10,000 | 0.094% | 0.104% | 0.18% |
| Temporary disablement (weekly benefit per injury) - sum insured must be multiple of HK$100 | 18% | 22% | 31% |
| Medical expenses - sum insured must be multiple of HK$100 | 2.2% | 2.8% | 4.2% |
Worldwide all risks | Sum insured x 1.5% | ||
Important Notes:
~Occupation class
Class 1: refers to professional, administrative and office duties without manual work
Class 2: refers to other non-manual occupations
Class 3: refers to occupations involving slight manual work
For all sections |
|
For Household contents section |
|
| Major Excess | Excess for each and every claim (HK$) |
|---|---|
Contents | 500 |
Water damage i. for multi-storey building | |
| 1,000 or 5% of loss, whichever is the greater |
| 3,000 or 10% of loss, whichever is the greater |
| 5,000 or 20% of loss, whichever is the greater |
| 10,000 or 20% of loss, whichever is the greater |
| ii. other than above i. | Case by case |
| Household removal | 1,000 |
| Landslip and subsidence | 10,000 or 10% of loss, whichever is greater |
Personal liability | |
| Water damage | 3,000 |
Building | 250 |
| Water damage | 1,000 or 10% of loss, whichever is the greater |
| Landslip and subsidence | 10,000 or 10% of loss, whichever is the greater |
Worldwide personal possessions | 250 |
Remarks:
- This brochure is not a policy of insurance. Please refer to the policy for details.
- In case of discrepancies between the English and Chinese version of this brochure the English version shall prevail.
