Home Protector 2.0

Comprehensive coverage for everything and everyone of your home

Home Protector 2.0

Plan highlights:

first_row
Utmost Protection for Your Home Contents Icon
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)

More Intimate Protection to your mobile devices Icon
More Intimate Protection to your mobile devices

Cover accidental damage to mobile phone / tablet or laptop computer for up to HK$2,000 (Cover one device only; applicable to Gold Plan and Platinum Plan only)

second_row
Accidental Breakage of Window Glass During Typhoon Icon
Accidental Breakage of Window Glass During Typhoon

Cover loss or damage from accidental breakage of window glass at your home casued by typhoon up to HK$10,000

Extended Geographical Coverage Icon
Extended Geographical Coverage

Worldwide personal effects, valuables and money are safeguarded from unfortunate events like theft anywhere in the world

third_row
Household Improvement Cover Icon
Household Improvements Cover

Household improvements and betterments on walls, windows, ceiling, floors and doors are included in basic cover

Personal Liability Protection Icon
Personal Liability Protection

Up to HK$10,000,000

Plan details

Benefits

Contents (basic cover) Maximum benefits payable per year (HK$)

Type of plan

Silver Plan

Gold Plan

Platinum Plan

Home contents (including household improvements and betterments on walls, windows, ceiling, floors and doors)

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

$500,000*
($100,000 per item,
set or collection)

$750,000*
($150,000 per item,
set or collection)

$1,250,000*
($200,000 per item,
set or collection)

Valuables such as jewellery and watches

1/3 of the benefit limit chosen on Contents ($15,000 per item)

Stamps, coins or medals

$5,000 ($1,000 per collection)

Photographic equipment, such as camera or portable video camera or its accessories/ ancillary equipment

$2,000

Brittle items, such as articles of glass, china, earthenware, crystal or bottles of wine/ liquor

$5,000 per item, bottle

Sunglasses or eyeglasses

$1,000

*Inclusive of all sub-limits under extra benefits and in the aggregate

Extra Benefits

Extra benefits Maximum benefits payable per year (HK$)

Type of plan

Silver Plan

Gold Plan

Platinum Plan

Worldwide personal effects and valuables

$10,000
($2,500 per occurrence)

$15,000
($2,500 per occurrence)

$20,000
($2,500 per occurrence)

Worldwide personal money

$2,500

Unauthorised use of credit cards (worldwide cover)

$10,000

Worldwide loss of personal documents

$1,000
($1,000 per occurrence)

$3,000
($1,000 per occurrence)

$5,000
($1,000 per occurrence)

Sports Equipment (Worldwide cover)

$2,500

Accidental damage to mobile phone/ tablet or laptop computer

Not applicable

$2,000 (one device in aggregate)

Household removal – for loss of or damage to home contents during the course of removal by a professional remover

$100,000

($10,000 per item)

Temporary removal of contents – for loss of or damage to home contents if they are removed for repairing, cleaning or renovation

$50,000

$100,000

$150,000

Alternative accommodation/ loss of rent – if your home becomes uninhabitable due to an insured damage

$50,000

($1,500 per day for the cost of alternative accommodation)

Temporary storage of contents – for loss of or damage to home contents during temporary storage in a furniture depository within Hong Kong for up to 30 days

$50,000

Emigration cover – up to one month’s cover on personal effect whilst in a hotel or alternative accommodation pending emigration

$50,000

($2,500 per item)

Fatal accident benefit – if you or your family members passes away within 3 months from an injury caused in your home by fire or thieves

$50,000

Burglary/ robbery harm allowance – if you or your family members sustain injury caused by burglars or robbers in your home resulting in 4 or more consecutive days’ of sick leave granted by a doctor

$5,000

Damaged locks – replacement and installation cost if lock(s) of windows, gate or external door are damaged due to burglary or attempted theft

$5,000

Frozen food and drinks – if food & drinks are spoilt in the freezer due to the freezer failure

$5,000

Removal of debris – costs incurred to remove debris of damaged properties following an insured loss

$10,000

Domestic helper’s property

$5,000

Alterations and repairs – loss of or damage to contents while alteration or repair works are carried out at your home (contract period not exceeding two months and exterior works do not exceed 20% of the total contract value)

Covered
(maximum contract
value of $100,000)

Covered
(maximum contract
value of $150,000)

Covered
(maximum contract
value of $200,000)

Breakage of window glass during typhoon

$10,000

Home quarantine allowance – if you or your family are confined in (a) your home or (b) quarantine camps or hotel appointed by local authority in quarantine, as a result of the building or any person living in the building where your home located is in quarantine as declared by the local authority

$7,000

($500 per day and up to 14 days)

Personal Liability (Free cover)

Limit of liability (per occurrence)

  • Any claim against you or your family members in the event of your negligence causing third party injury or property damage
  • Your legal liability as a tenant
  • Owner's liability in common area

$5,000,000

$8,000,000

$10,000,000

Your legal liability whilst alteration or repair works are carried out at your home

Covered
(maximum contract
value of $100,000)

Covered
(maximum contract
value of $150,000)

Covered
(maximum contract
value of $200,000)

24-hour home emergency assistance (free cover)

Immediate referral assistance if you encounter any problems with your home

Referral service

Optional Covers

Optional covers Maximum benefits payable per year (HK$)

Type of plan

Silver Plan

Gold Plan

Platinum Plan

House

Accidental loss of or damage to your house

Sum insured A1

Alternative accommodation/ loss of rent – if your home is uninhabitable due to an insured loss or damage

$50,000 ($1,500 per day for alternative accommodation)

Landslip and subsidence extension – if loss or damage is caused to your home directly by landslip or subsidence

Covered

Worldwide all risks

Accidental loss of or damage to valuables or personal effects that happens anywhere in the world, including jewellery and watches

Sum insured ($5,000 per item unless specified B1 )

Personal accident (for age 16 – 70) C1

Accidental death and permanent disablement C2

Sum insured

Temporary disablement C3

Insure up to 80% of your average weekly earnings to be paid as weekly benefit if an accident prevents you entirely from engaging in your usual occupation for up to 104 weeks

Sum insured C4

(weekly benefit per injury)

Medical expenses

Sum insured

Extra benefits

 

Extended spouse cover - cover your spouse as well if you choose the cover for accidental death and permanent disablement for HK$1,000,000 or above 

$100,000

Bonesetters & acupuncturist treatment expenses - applicable to insured person who has taken out medical expenses benefit for HK$10,000 or above

$1,500

(150 per consultation per day)

Hospital confinement allowance

$500 per week

(up to 52 weeks)

Loss of or damage to clothing and/or personal effects during an accident resulting in bodily injury $2,000
Funeral and cremation expenses $25,000
Double indemnity - death benefit will be doubled if an accident occurs whilst you are travelling on a public transport conveyance, e.g. airplane, bus, train, ferry, taxi or during a robbery Up to $1,000,000
No claim bonus – if you are currently enjoying a no claim bonus from your current insurer, it can be transferred to MSIG according to our scale 10% increase on sum insured for accidental death and permanent disablement compounding each year over a 5-year period

Family personal accident D1-3

Age 71 – 80

Age 8 – 15

Age 1 – 7

Death

$200,000

$100,000

$50,000

Permanent disablement

$400,000

$200,000

$100,000

Medical expenses

$5,000 per accident

Domestic helperE1

Maximum benefits payable (HK$)

Cover A

Employees’ compensation cover

$100,000,000

Hospital & related expenses coverE4

In-patient medical expenses

$5,000

Repatriation expenses

$3,000

Cover B

Employees’ compensation cover

$100,000,000

Clinical expensesE4

Physiotherapist, Chinese medical practitioner or bonesetter

$4,000 ($200 per visit per day)

$500 ($100 per visit per day)

Surgical & hospitalisation expensesE4 (include day care surgery) $30,000
Service interruptionE4 $6,000 ($300 per day)
Dental expensesE4 2/3 of expenses, up to $1,500
Personal accident $100,000
Repatriation expenses $20,000
Replacement helper $10,000
Fidelity guarantee $10,000
Replacement and installation cost of main door lock or metal gate lock $500

Medical protection for abuse of your family

  • Trauma counselling expenses

$10,000

$1,000 per day per visit

Optional cover 1E2, E4

Extend to cover heart disease and cancer under surgical & hospitalisation expenses, clinical expenses and service interruption

Optional cover 2E2-E4

Besides 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

  1. 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

  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 $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

  1. Optional cover is available for immediate family members aged from 16 to 70 and are living in Hong Kong.
  2. Accidental death and 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.

D. For family personal accident section

  1. Optional cover is available for immediate family members aged from 1 to 15, or 71 to 80 and are living in Hong Kong.
  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.

E. For domestic helper section

  1. The optional domestic helper cover is only available for foreign domestic helper aged from 16 to 65
  2. Optional cover 1 & 2 are available for cover B only
  3. The optional cover 2 is only available for domestic helpers aged below 45 at the time of enrollment
  4. 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.

Premium for basic cover

  Annual premium (HK$)

Type of plan

Silver Plan

Gold Plan

Platinum Plan

Gross floor area (sq. ft.)

Below 500

501 - 700

Below 500

501 - 700

701 - 1,000

1,001 - 1,500 701 - 1,000 1,001 - 1,500 1,501 - 2,000

Saleable floor area (sq ft)

Below 400

401 - 560

Below 400

401 - 560

561 - 800

801 - 1,200 561 - 800 801 - 1,200 1,201 - 1,600

Annual premium (HK$)

$780

$1,080

$1,240

$1,370

$1,530

$2,280 $2,340 $2,600 $2,890
Sum Insured for contents (HK$) $500,000 $750,000 $1,250,000

Personal liability

Free

24-hour home emergency assistance

Free

Premium for optional covers

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%

Family personal accident

Annual premium (HK$)

Age group

Age 71-80

Age 8-15

Age 1-7

Premium (HK$)

$480

$260

$185

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

Exclusions

  • Contents on roof or in open area
  • 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

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 50 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

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.