Home Deluxe (Macau)

Total home-care protection for your family and property

Home Deluxe (Macau)

Plan Highlights

Self-determined Sum Insured for Household Contents Icon
Self-determined Sum Insured for Household Contents 

You can specify your own cover limit for household contents to suit your specific needs

Personal Liability Cover Icon
Personal Liability Cover

Up to HK$7,500,000 

No Article Limit for Valuables Icon
No Article Limit for Valuables

Up to 1/3 of the section limit chosen without article limit

Optional Family Accident Cover
Optional Family Accident Cover 

Up to HK$400,000 for your children and parents

Plan details


Benefits at a Glance Maximum Benefits Payable Per Year (HK$)

Basic Cover

Home Content

Any unforeseen accidental loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft

Sum insured 
No article limit

Household Improvements

Includes improvements and betterments on walls, windows, ceiling, floors and doors

Sum insured of Home Contents
No article limit


Includes: jewellery, watches, furs, etc.

1/3 of the section limit chosen
No article limit
Money and Credit Card  $2,500
Audio and Video Equipment Sum insured

Extra Benefits

Household Removal

Loss of or damage to home contents (other than money & credit cards) if they are temporarily removed for repairing, cleaning or renovation

Sum insured 
No article limit

Temporary Removal of Household Contents

Loss of or damage to home contents if they are removed for repairing, cleaning or renovation

15% of the sum insured

Mirrors and Glass in Furniture

Replacement cost for accidental breakage of mirrors, glass tops to furniture and fixed glass in furniture

Sum insured

Alternative Accommodation/Loss of Rent

If your home becomes uninhabitable due to insured damages

15% of the sum insured

Locks and Keys

Where the keys of such locks have been stolen

Up to replacement and installation cost

Frozen Food

If food in the freezer rot due to freezer failure


Fatal Accident Benefit

Should you or your spouse pass away within 3 months from injury caused by fire or thieves in your home


Golfers Hole-In-One

  • Pays for the cost of hospitality if you achieve a “Hole-in-One” in any recognised golf course

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

It extends to contingent contractor’s liability for maintenance and home cleaning services with a contract sum of not more than HK$100,000

Owner’s Liability in Common Area $1,000,000

Tenant’s liability

  • Accidential damage to service pipes and cables, fixed glass
  • Accidental damge to fixed water pipes and tanks caused by internal stress due to overheating or excessive water pressure
Sum insured on Contents
  • Damages to Home caused by storm or flood, escape of oil or water from any fixed water or fixed heating installation or washing machine 
  • Theft or attempted theft provided violent means are used to gain entry or exit
10% of sum insured on Contents

Optional Covers

Worldwide Personal Possession A1

Specified Personal Possessions

Sum insured
Unspecified Personal Possessions  Sum insured 
25% of sum insured or maximum $5,000 per article A2


For 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 per unit of compensation insured
Temporary disablement $250 per unit per week 
Maximum up to 104 weeks
Temporary partial disablement $65 per unit per week
Maximum up to 104 weeks
Medical expenses $2,000 per unit

Family Personal Accident C1

Coverage/Age 71 - 80 8 - 15 1 - 7
Death $200,000 $100,000 $50,000
Permanent disablement $400,000 $200,000 $100,000
Medical expenses (per accident) $5,000 $5,000 $5,000

* Self-employed individuals, housewives, and the unemployed are not entitled to this section.


Important Notes:

A. For Worldwide Personal Possession Section

  1. 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.
  2. 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

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

C. For Family Personal Accident

  1. Optional cover is available for immediate family members aged from 1 to 15 and 71 to 80 and who are living in Macau. 
  2. For those who are aged 71 to 80, valid health certificate will be required. 
  3. 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 Covers


Sum insured x 0.09%
Worldwide Personal Possessions Sum insured x 1.5% 

Personal Accident

Class 1 - e.g. Admin/Clerical
Class 2 - e.g. Commercial travellers, messengers and car drivers

$65 per unit per person
$84  per unit per person

Family Personal Accident

Age 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:
    1. Animals
    2. Inherent fault or defective workmanship, defective material or design
    3. Mechanical breakdown and/or malfunction of electrical appliances and computer equipment
    4. Wear and tear, depreciation, mechanical or electrical defect
    5. Sonic bangs



Excess Amount (HK$)

Household Contents

General item excess



General item excess

Landslip and subsidence excess $5,000 or 10% of loss, whichever is greater
Typhoon, storm or flood $1,000

Worldwide All Risk

Unspecified excess