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iHome with Domestic Helper Insurance
Why choose MSIG?
All Risks Home Contents Protection
Up to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year against all risks
Protection to Your Mobile Devices 
Worldwide cover against accidental damage to mobile phone/tablet or laptop computer (Max. 2 reimbursements / year)
Water Damage Protection
Covers water seepage, personal injury or loss of or damage to property directly or indirectly caused by seepage
Eco Living Coverage
Additional cover of up to HK$1,000 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
Temporary Pet Boarding 
Up to HK$3,000 per day if your home rendered uninhabitable due to accidental loss or damage
| Benefits at a Glance | Maximum Benefits Payable (HK$) | |
|---|---|---|
Plan A | Plan B | |
1. Household contents- Limit per item, set or collection | 1,000,000* | 750,000* |
2. Valuable property at home (such as jewellery, watches etc.)- Limit per item, set or collection | 1/3 of Contents limit | 1/3 of Contents limit 15,000 |
3. Money, stamps, coins or medals at home | 10,000 | 10,000 |
4. Photographic equipment | 2,000 | 2,000 |
5. Brittle items- Limit per item |
|
|
6. Sunglasses or eyeglasses | 1,000 | 1,000 |
*Inclusive of all sub-limits under extra benefits and in the aggregate
| Content | Plan A | Plan B |
|---|---|---|
1. Household removal- Limit per item | 100,000 | 100,000 |
2. Alternative accommodation/loss of rent- Limit per day of alternative accommodation - Limit per day of temporary boarding for your pet | 50,000 1,500 3,000 | 50,000 1,500 3,000 |
3. Temporary removal | 50,000 | 50,000 |
4. Fatal accident benefit | 150,000 | 100,000 |
5. Burglary/robbery harm allowance# | 10,000 | 10,000 |
6. Loss of personal effects in your office | 2,500 | 2,500 |
7. Loss of personal effects/money on business trips- Limit per occurrence | 5,000 2,500 | 5,000 2,500 |
8. Loss or damage to domestic helper’s property | 5,000 | 5,000 |
9. General Holidays Increment- Limit per accident |
5,000 |
5,000 |
10. Damaged locks | 2,500 | 2,500 |
11. Frozen food and drinks | 5,000 | 5,000 |
12. Tenant’s liability | 10% of the Household Contents sum insured | 10% of the Household Contents sum insured |
13. Removal of damaged household contents | 10,000 | 10,000 |
14. Alterations and repairs- Maximum contract value | Covered 150,000 | Covered 150,000 |
15. Breakage of window glass during typhoon | 10,000 | 10,000 |
16. Landslip & subsidence extension | Covered | Covered |
17. Accidental damage to mobile phone/tablet or laptop computer^ |
5,000 2 |
5,000 2 |
18. Online purchased goods protection- Maximum occurrences per year - Limit per item - Minimum value of purchased items per order | 10,000 2 1,500 500 | 10,000 2 1,500 500 |
19. Psychiatric services# | 10,000 | 10,000 |
20. 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 |
1,000 or 10% of the purchase price of the replacing item, whichever is lower |
21. Outdoor Property Extension | 10,000 2,500 | 10,000 2,500 |
22. 24-hour home emergency assistance | Included | Included |
Personal Liability (Free cover) | 8,000,000 | 8,000,000 |
^ This benefit is not applicable if you or your family members are below 18 years of age at the time of the damage
# 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.
| Content | Plan A | Plan B |
|---|---|---|
Domestic Helper 1(Cover A) | ||
Employees’ compensation cover- Limit per event | 100,000,000 | 100,000,000 |
Hospital & related expenses cover4- In-patient medical expenses - Repatriation expenses |
5,000 3,000 |
5,000 3,000 |
Domestic Helper 1(Cover B) | ||
Employees’ compensation cover- Limit per event | 100,000,000 | 100,000,000 |
Clinical expenses4- Limit of visit per day - Physiotherapist, Chinese medical practitioner or Bonesetter
| 4,000 200 500 100 | 4,000 200 500 100 |
Surgical & hospitalisation expenses4 (include Day care surgery) | 30,000 | 30,000 |
Service interruption- Limit of visit per day | 6,000 300 | 6,000 300 |
Dental expenses4- Limit per visit | 1,500 2/3 of expenses | 1,500 2/3 of expenses |
Personal accident | 100,000 | 100,000 |
Repatriation expenses | 20,000 | 20,000 |
Replacement helper | 10,000 | 10,000 |
Fidelity guarantee | 10,000 | 10,000 |
Replacement and installation cost of main door lock or metal gate lock | 500 | 500 |
Medical protection for abuse of your family- Trauma counselling expenses - Limit of visit per day | 10,000 Covered 1,000 | 10,000 Covered 1,000 |
Optional cover 1 2,4Extend to cover heart disease and cancer under surgical & hospitalisation expenses, clinical expenses and service interruption | ||
Optional cover 2 2-4Besides to extend to cover cancer and heart disease under surgical & hospitalisation expenses, clinical expenses and service interruption, plus an extra indemnity of HK$70,000 for surgical & hospitalisation expenses | ||
Important Notes:
- The optional domestic helper cover is only available for foreign domestic helper aged from 16 to 65
- Optional cover 1 & 2 are available for cover B only
- The optional cover 2 is only available for domestic helpers aged below 45 at the time of enrollment
- 14-day (for cover A/B) and 90-day (for optional cover 1/2) waiting period from the effective date of the insurance shall be applicable under hospital & related expenses cover, clinical expenses, surgical & hospitalisation expenses, service interruption and dental expenses for each domestic helper during which no benefits shall be payable.
| Content | Plan A | Plan B |
|---|---|---|
Building | ||
| For the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvements | Sum insured A1 | Sum insured A1 |
Alternative accommodation/loss of rent- Limit per day of alternative accommodation - Limit per day of temporary boarding for your pet | 50,000 1,500 3,000 | 50,000 1,500 3,000 |
Removal of Debris | 10,000 | 10,000 |
Landslip and subsidence extension | Covered | Covered |
Worldwide Personal PossessionsAccidental loss of or damage to valuables or personal effects that happens anywhere in the world - Limit per item unless specified B1 |
Sum Insured A1 5,000 |
Sum Insured A1 5,000 |
Money | 2,500 | 2,500 |
Unauthorised use of credit cards | 10,000 | 10,000 |
Personal documents | 1,000 | 1,000 |
Sports equipment | 2,500 | 2,500 |
Important Notes:
A. For Building section
- The sum insured of this section should represent the full cost of rebuilding the insured premises (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).
B. 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 $5,000 each, they can be grouped as one item in which case the sum insured should represent the total value of such properties you are likely to carry away from home at any one time.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Gross floor area (sq ft) Saleable floor area (sq ft) | Annual premium (HK$) | ||||
|---|---|---|---|---|---|
| iHome Insurance Plan A with Domestic Helper Cover B | iHome Insurance Plan B with Domestic Helper Cover B | ||||
Up to 500 Up to 400 | $2,090 | $1,850 | |||
501 – 700 401 - 560 | $2,490 | $2,150 | |||
701 – 1,000 561 - 800 | $2,920 | $2,490 | |||
1,001 – 1500 801 - 1,200 | $3,530 | $2,960 | |||
1,001 – 1500 1,201 - 1,600 | $4,000 | $3,330 | |||
Over 2,000 Over 1,600 | Please call our Customer Services Hotline at 3122 6922 | Please call our Customer Services Hotline at 3122 6922 | |||
| Worldwide personal liability | Free | Free | |||
| 24-hour home emergency | Free | Free | |||
| Building | 0.09% | 0.09% | |||
| Worldwide personal possessions | 1.5% | 1.5% | |||
| Domestic helper | Cover A | Cover B | Optional cover 1 | Optional cover 2 | |
| $414 | $750 | $120 | $250 | |
For All Sections |
|
For Household Contents Section |
|
Domestic Helper Section |
|
Excess for each and every claim (HK$) | |
|---|---|
Household Contents | 500 |
Water damagei. 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 |
|
| Water damage | 1,000 or 10% of loss, whichever is greater |
| Landslip and subsidence | 10,000 or 10% of loss, whichever is greater |
| Other damage | 250 |
Worldwide Personal Possessions |
|
| General | 250 |
