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Home Insurance
Why choose MSIG?
Utmost Protection for Your Home Contents
Cover accidental loss or damage to contents for up to HK$1,250,000 (Applicable to Platinum Plan 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$10,000,000
Select plans to compare
| Contents (basic cover) | Maximum benefits payable per year (HK$) | ||
|---|---|---|---|
| Type of plan | Silver Plan | Gold Plan | Platinum Plan |
1. Home contentsLimit per item, set or collection | 500,000* 100,000 | 750,000* 150,000 | 1,250,000* 200,000 |
2. ValuablesLimit per item | 1/3 of Contents benefit 15,000 | 1/3 of Contents benefit 15,000 | 1/3 of Contents benefit 15,000 |
3. Stamps, coins or medalsLimit per collection | 5,000 1,000 | 5,000 1,000 | 5,000 1,000 |
4. Photographic equipment | 2,000 | 2,000 | 2,000 |
5. Brittle itemsLimit per item | 5,000 | 5,000 | 5,000 |
6. Sunglasses or eyeglasses | 1,000 | 1,000 | 1,000 |
*Inclusive of all sub-limits under extra benefits and in the aggregate
Select plans to compare
| Extra benefits | Maximum benefits payable per year (HK$) | ||
|---|---|---|---|
| Type of plan | Silver Plan | Gold Plan | Platinum Plan |
1. Worldwide personal effects and valuablesLimit per occurrence | 10,000 2,500 | 15,000 2,500 | 20,000 2,500 |
2. Worldwide personal money | 2,500 | ||
3. Unauthorised use of credit cards (worldwide cover) | 10,000 | ||
4. Worldwide loss of personal documentsLimit per occurrence | 1,000 1,000 | 3,000 1,000 | 5,000 1,000 |
5. Sports Equipment (Worldwide cover) | 2,500 | ||
6. Accidental damage to mobile phone/ tablet or laptop computer^ (worldwide cover) |
N/A |
5,000 2 |
5,000 2 |
7. Household removalLimit per item | 100,000 10,000 | ||
8. Temporary removal of contents | 50,000 | 100,000 | 150,000 |
9. 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 | ||
10. Temporary storage of contents | 50,000 | ||
11. Emigration extended coverLimit per item | 50,000 2,500 | ||
12. Fatal accident benefit | 50,000 | 100,000 | 150,000 |
13. Burglary/robbery harm allowance# | 10,000 | ||
14. Damaged locks | 5,000 | ||
15. Frozen food and drinks | 5,000 | ||
16. Removal of debris | 10,000 | ||
17. Domestic helper’s property | 5,000 | ||
18. Alterations and repairsMaximum contract value | Covered 100,000 | Covered 150,000 | Covered 200,000 |
19. Breakage of window glass during typhoon | 10,000 | ||
20. Online purchased goods protectionMaximum occurrences per year Limit per item Minimum value of purchased items per order | 5,000 2 1,500 500 | ||
21. Psychiatric services# | 10,000 | ||
22. 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 | ||
23. Outdoor Property Extension | 50,000 2,500 | ||
24-hour home emergency assistance | Included | ||
Personal liability (Free cover)Limit per occurrence Domestic Helper Liability Independent Contractors' Liability to alteration or repairs works
|
5,000,000 Covered Covered 100,000 |
8,000,000 Covered Covered 150,000 |
10,000,000 Covered Covered 200,000 |
#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 - HouseAccidental loss of or damage to your house |
Sum insured A1 | ||
Extra benefits | |||
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 | ||
Landslip and subsidence extension | Covered | ||
Optional cover - Worldwide all risksAccidental loss of or damage to valuables or personal effects that happens anywhere in the worldLimit per unspecified item |
Sum insured 5,000B1 | ||
Optional cover - Personal accident (for age 16 – 70) C1Accidental death and permanent disablement C2 |
Sum insured | ||
Temporary disablement C3Weekly limit per injury Maximum no. of week | Sum insured C4 80% if average weekly earnings 104 | ||
Medical expenses | Sum insured | ||
Extra benefits | |||
Extended spouse cover if Accidental Death and Permanent Disablement for HK$1,000,000 or above | 100,000 | ||
Bonesetters & acupuncturist treatment expenses if medical expenses benefit for HK$10,000 or aboveLimit per visit Limit of visit per day | 1,500 150 1 | ||
Hospital confinement allowanceLimit per week Maximum no. of week |
500 52 | ||
Clothing and personal effects damage compensationLimit per event |
2,000 | ||
Funeral and cremation expenses | 25,000 | ||
Double indemnity for accidents during travelling on a public transport or during a robbery | Up to 1,000,000 | ||
No claim bonus | 10% increase on sum insured for Accidental Death and Permanent Disablement compounding each year over a 5-year period | ||
Optional cover - Domestic helperD1 | Maximum benefits payable (HK$) | ||
Cover AEmployees’ compensation coverLimit per event |
100,000,000 | ||
Hospital & related expenses coverD4In-patient medical expenses Repatriation expenses |
5,000 3,000 | ||
Cover BEmployees’ compensation coverLimit per event |
100,000,000 | ||
Clinical expensesD4Limit of visit per day Physiotherapist, Chinese medical practitioner or Bonesetter
| 4,000 200 500 100 | ||
Surgical & hospitalisation expensesD4Room & board charges per day Surgeon's fees per operation Anaesthetist fees Operation theatre changes Day care surgery | 30,000 300 10,000 25% of surgeon's fees 12.5% of surgeon's fees Included | ||
Service interruptionD4Limit per day | 6,000 300 | ||
Dental expensesD4Limit per visit | 1,500 2/3 of expenses | ||
Personal accident | 100,000 | ||
Repatriation expenses | 20,000 | ||
Replacement helper | 10,000 | ||
Fidelity guaranteeUnauthorised telephone calls | 10,000 3,000 | ||
Replacement and installation cost of main door lock or metal gate lock | 500 | ||
Medical protection for abuse of your familyTrauma counselling expenses
| 10,000 Covered 1,000 | ||
Optional cover 1D2, D4Extend to cover heart disease and cancer under surgical & hospitalisation expenses, clinical expenses and service interruption | |||
Optional cover 2D2-D4Besides 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:
A. For House 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 All Risks 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 $5,000 each, they can be grouped as one item in which case the sum insured should represent the total value of such properties you are likely to carry away from home at any one time.
C. For Personal Accident section
- Optional cover is available for immediate family members aged from 16 to 70 and are living in Hong Kong.
- Accidental death and permanent disablement benefit is the basic cover.
- Self-employed individuals, housewives, and the unemployed are not entitled to temporary disablement benefit.
- Temporary disablement benefit shall not exceed 80% of weekly average earnings of the insured person.
D. For Domestic Helper section
- The optional domestic helper cover is only available for foreign domestic helper aged from 16 to 65
- Optional cover 1 & 2 are available for cover B only
- The optional cover 2 is only available for domestic helpers aged below 45 at the time of enrollment
- 14-day (for cover A/B) and 90-day (for optional cover 1/2) waiting period from the effective date of the insurance shall be applicable under hospital & related expenses cover, clinical expenses, surgical & hospitalisation expenses, service interruption and dental expenses for each domestic helper during which no benefits shall be payable.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Select plans to compare
| Contents | Annual premium (HK$) | |||
|---|---|---|---|---|
| Gross Floor Area (sq.ft.) | Saleable Area (sq.ft.) | Silver plan | Gold plan | Platinum plan |
| Below 500 | Below 400 | 780 | 1,240 | N/A |
| 501 - 700 | 401 - 560 | 1,080 | 1,370 | N/A |
| 701 - 1,000 | 561 - 800 | N/A | 1,530 | 2,340 |
| 1,001 - 1,500 | 801 - 1,200 | N/A | 2,280 | 2,600 |
| 1,501 - 2,000 | 1,200 - 1,600 | N/A | N/A | 2,890 |
| Over 2,000 | Over 1,600 | N/A | N/A | Special quotation |
| Optional covers | Annual premium (HK$) | ||
|---|---|---|---|
House | Sum insured x 0.09% | ||
Worldwide all risks | Sum insured x 1.5% | ||
| 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 disablementC4 (weekly benefit per injury) - sum insured must be multiple of HK$100 | 18% | 22% | 31% |
| Medical expenses - sum insured must be multiple of HK$100 | 2.2% | 2.8% | 4.2% |
| Domestic helper | Annual premium (HK$) | |||
|---|---|---|---|---|
| Cover A | Cover B | Optional cover 1 | Optional cover 2 | |
| 414 | 750 | 120 | 250 | |
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
- Any loss or damage caused by:
- Domestic animals which you own or are in your custody or control
- Inherent fault or defective workmanship, defective material or design
- Mysterious disappearance or unexplained loss
- Mechanical breakdown and/or malfunction of electrical appliances and computer equipment
- Wear and tear
- Sonic bangs
- Motor vehicles
- Livestock, pets and animals
| 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 |
House | $250 |
| Landslip and subsidence | $10,000 or 10% of loss, whichever is greater |
Worldwide all risks | $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.
