Home Insurance (Macau)

Comprehensive coverage for everyone and everything in your home

Home Insurance (Macau)

Plan Highlights

first_row
All Risks Home Contents Protection Icon
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

eco_living_icon
Eco Living Coverage  

Additional cover for each eligible lost or damaged item

second_row
online shopping protection
Online shopping protection

Up to HK$5,000

Loss of Money Cover (At Home) Icon
Loss of Money Cover (At Home) 

Up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, an aggregate limit of HK$5,000 per year

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Loss of Money Cover (Outside Macau) Icon
Loss of Money Cover (Outside Macau)

Accidental loss or theft of personal money or personal effects on business trip outside Macau up to HK$5,000

>Owner’s Liability in Common Area Cover Icon
Personal Liability Protection 

Protect you and your family against any legal liability to a third party injury or property damage of up to HK$5,000,000

Plan details

Benefits

Household contents (Basic cover) Maximum Benefits Payable Per Year (HK$)
Type of plan Plan A Plan B Plan C

Household Content

Limit per item, set or collection

1,000,000*

100,000 

750,000*

100,000 

500,000*

100,000 

Valuables

Limit 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

Limit per loss

5,000

1,000 

5,000

1,000 

5,000

1,000

Extra Benefits

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

1,500 

1,500 

1,500 

2. Fatal accident benefit

50,000 50,000 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

2,000  2,000 2,000

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

  • Maximum occurrences per year

2

2

2

  • Limit per item

1,500

1,500

1,500

  • Minimum value of purchased items per order

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

Personal Liability (Free cover)

 

 

 

  • Limit per occurrence

5,000,000

5,000,000

5,000,000

  • Independent Contractors' Liability to alteration or repair works

Covered

Covered

Covered

  •  Maximum contract value

100,000

100,000

100,000

  • Owner's liability in common area

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

Optional Covers Maximum Benefits Payable Per Year (HK$)

Optional cover - Building

Structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement

Sum insuredA1

Extra benefits

 

Alternative accommodation

  • Limit per day of alternative 

50,000

1,500

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 disablementB3 

Weekly 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

  1. The sum insured for the building should be the rebuilding value plus redecoration cost.

B. For Personal Accident section

  1. Optional cover is available for immediate family members aged from 16 to 70 and are living in Macau. 
  2. Accidental death & permanent disablement benefit is the basic cover.
  3. Self-employed individuals, housewives, and the unemployed are not entitled to temporary disablement benefit.
  4. Temporary disablement benefit shall not exceed 80% of weekly average earnings of the insured person. 

C. For Worldwide Personal Possessions section

  1. 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.

Premium for basic cover

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

Premium for optional covers

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

Exclusions

For all sections 

  • Sub-divided home or sub-let premises
  • Insured premises that are situated in a building where sub-divided flats are known to exist
  • Insured premises that are used for business purposes or as a holiday home
  • Unoccupied premises for more than 30 consecutive days
  • Illegal structure exists in the insured premises

For Household contents section

  • Contents on roof or in open area
  • Mobile/portable radio telecommunication equipment e.g. mobile/portable telephones and pagers
  • Any loss or damage caused by:
    1. Domestic animals which you own or are in your custody or control
    2. Inherent fault or defective workmanship, defective material or design
    3. Mysterious disappearance or unexplained loss
    4. Mechanical breakdown and/or malfunction of electrical appliances and computer equipment
    5. Wear and tear
    6. Sonic bangs
  • Motor vehicles
  • Livestock, pets and animals
  • Any items that fall under the definition of “Building” as described below:
    1. The structural part of your home including but not limited to fabric walls and the wall paint, flooring, doors with frames, windows with frames
    2. Permanent fixtures and fittings including but not limited to skirting, water pipes, electric cables/wiring, fixed glass, sanitary fixtures, fixed or permanently installed on the structural parts of your Home
    3. Outbuildings at your home used for domestic purposes
    4. Swimming pools, tennis hard courts, garden walls, patios, terraces, hedges, fences, gates, paths and drives, that are forming part of your home (but not retaining walls, foundations and drains)

Major Excess

Major Excess

Excess for each and every claim (HK$)

Contents

500

Water damage

i. for multi-storey building

 
  • building age (30 years or below)

1,000 or 5% of loss, whichever is the greater

  • building age (31 to 40 years)

3,000 or 10% of loss, whichever is the greater

  • building age (41 to 45 years)

5,000 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.