iHome with Domestic Helper Insurance

A single plan to protect everything in your household, including your helper

Plan Highlights

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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 against all risks

Valuable Property at Home Icon
Valuable Property at Home 

Up to HK$15,000 per item, set or collection with an aggregate limit of 1/3 of the household contents sum insured per year

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Legal Obligation Protection Icon
Legal Obligation Protection 

Cover your legal obligation as employer of your domestic helper

Household Improvement Cover Icon
Household Improvement Cover

Accidental loss of or damage to household improvement up to HK$100,000

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Protection to Your Mobile Devices Icon
Protection to Your Mobile Devices

Cover accidental damage to mobile phone/tablet or laptop computer up to HK$2,000

Breakage of Window Glass During Typhoon Icon
Breakage of Window Glass During Typhoon 

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

Plan details

Basic Covers

Benefits at a glance  Maximum benefits payable per year (HK$)
Plan A Plan B

Household contents

Household Contents (any unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft)

$1,000,000*
$100,000 per item, set or collection

$750,000*
$100,000 per item, set or collection

Valuable property at home

Such as jewellery, watches, etc.

1/3 of the Household Contents sum insured

$15,000 per item

1/3 of the Household Contents sum insured

$15,000 per item

Household improvements

10% of the Household Contents sum insured or $100,000 (whichever is the lesser)

10% of the Household Contents sum insured or $100,000 (whichever is the lesser)

Money, stamps, coins or medals at home

Such as cash, cheques, travel ticket, etc.

$5,000
$1,000 per loss for money or per collection
$5,000
$1,000 per loss for money or per collection

Photographic equipment

Such as camera or portable video camera or its accessories / ancillary equipment

$2,000 $2,000

Brittle items

Such as articles of glass, china, earthenware, crystal or bottles of wine / liquor etc.

$5,000 per piece, set, collection or bottle

$5,000 per piece, set, collection or bottle

Sunglasses or eyeglasses

$1,000 $1,000

* Inclusive of all sub-limits under Extra Benefits and in the aggregate

Extra benefits

Type of plans Plan A Plan B

Household removal

Loss of or damage to Household Contents during home removal by a professional remover

$100,000

$10,000 per item

$100,000

$10,000 per item

Alternative accommodation / loss of rent

If your home becomes uninhabitable due to an insured damage

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

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

Temporary removal of household contents

Loss of or damage to household contents that are temporarily removed for repairing, cleaning or renovation

$50,000

$50,000

Fatal accident benefit

Should you or your family members pass away within 3 months from injury caused by fire or burglars in your home

$50,000

$50,000

Burglary / robbery harm allowance

If you or your family members sustains injury caused by burglars or robbers in your home with 4 or more consecutive days of sick leave granted by a doctor

$5,000

$5,000

Loss of personal effects in office

Personal effects kept in your office

$2,500

$2,500

Loss of personal effects / money on business trips

Loss or theft of money or personal effects whilst you are away from Hong Kong on business trips

$2,500

$2,500

Loss or damage to domestic helper’s property

Accidental loss of or damage to personal belongings (excluding money) of your domestic helper normally residing with you whilst such properties are contained in your home

$5,000

$5,000

General holidays increment

For loss of money due to burglary during public holidays (except Sundays)

Increased to $2,000 per incident

Increased to $2,000 per incident

Damaged locks

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

$2,500

$2,500

Frozen food and drinks

If food and drinks are spoilt in the freezer due to freezer failure

$5,000

$5,000

Home quarantine cash benefit

If you or your family members 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

$7,000

$500 per day and up to 14 days

Tenant’s liability

For loss of or damage to landlord's property

10% of the Household Contents sum insured

10% of the Household Contents sum insured

Removal of damaged household contents

$10,000 $10,000

Alterations and repairs

For loss of or damage to contents while alteration or repair works are carried out at your home (contract period not exceeding two months)

Covered

(maximum contract value of $150,000)

Covered

(maximum contract value of $150,000)

Breakage of window glass during typhoon

$10,000 $10,000

Landslip & subsidence extension

For loss or damage caused to your home directly by landslip or subsidence

Covered Covered

Accidental damage to mobile phone / tablet or laptop computer

(this benefit is not applicable if you or your family members are below 18 years of age at the time of the damage)

$2,000

(one device in aggregate)

$2,000

(one device in aggregate)

Online purchased goods protection

For non-delivery or accidental damage upon delivery of goods (the value of purchased items must be at least HK$500 per order)

$7,500

(2 occurrences in aggregate and $1,500 per item)

$7,500

(2 occurrences in aggregate and $1,500 per item)

Personal liability (Free)

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 the owner in respect of the common parts of the building of which your home forms part

$8,000,000

$8,000,000

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

Covered

(maximum contract value of $150,000)

Covered

(maximum contract value of $150,000)

24-hour home emergency assistance (Free)

Offers immediate assistance on referral services if you encounter any problems with your home

Referral service

Referral service

Domestic Helper

Content Plan A Plan B

Domestic helper - Cover A1

Employees’ compensation cover

 

$100,000,000

 

$100,000,000

Hospital & related expenses cover 4

  • In-patient medical expenses
  • Repatriation expenses

 

5,000

3,000

 

5,000

3,000

Domestic helper - Cover B1

Employees’ compensation cover

 

$100,000,000

 

$100,000,000

Clinical expenses 4

- Physiotherapist, Chinese medical practitioner or bonesetter

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

$500 ($100 per visit per day)

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

$500 ($100 per visit per day)

Surgical & hospitalisation expenses4 (include day care surgery) $30,000 $30,000
Service interruption 4

$6,000

$300 per day

$6,000

$300 per day

Dental expensesc4 2/3 of expenses, up to $1,500 2/3 of expenses, up to $1,500
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

$10,000

$1,000 per visit

$10,000

$1,000 per visit

Optional cover 12&4

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

Optional cover 2 2-4

Extend to cover heart disease and cancer under surgical & hospitalisation expenses, clinical expenses and service interruption, PLUS an extra indemnity of HK$70,000 for surgical & hospitalisation expenses

Important Notes:

  1. It 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 enrolment

  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

Optional Covers

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 insuredA1

Sum insuredA1

Alternative accommodation / loss of rent - if your home becomes uninhabitable due to insured damages

$50,000

($1,500 per day for alternative accommodation)

$50,000

($1,500 per day for alternative accommodation)

Removal of debris - cover the cost of removal of debris following accidental damage to your building

$10,000

$10,000

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

Covered Covered

Worldwide personal possessions

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 specifiedB1)

 

Sum Insured

($5,000 per item unless specifiedB1)

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

  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 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 $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

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

Exclusions

For all sections 

  • Any accident, loss, damage or liability which occurred or existed
  • Sub-divided home or sub-let premises
  • Insured premises that is situated in a building where sub-divided flats are known to exist
  • Insured premises that is used for business purpose 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 the open generally
  • 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. Disappearance / loss of any item (unless following a forcible and violent entry to or exit from your Home which has been reported to the police authority in person within 24 hours of discovery)
  5. Theft by authorised person entered to your home
  6. Mechanical breakdown and / or malfunction of electrical appliances and computer equipment
  7. Wear and tear, inadequate maintenance
  8. Sonic bangs
  9. Atmospheric or climatic conditions, action of light
  10. Seepage of water (unless caused by typhoon, windstorm or rainstorm)
  11. Deterioration of food or drinks (unless specifically provided under extra benefits)
  • Motor vehicles
  • Livestock, pets and animals
  • Any items also covered under Worldwide Personal Possessions / Building section

For domestic helper section

  • Pre-existing ailments
  • Rest-cure or physical check-up
  • Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilization, heart disease or cancer
  • Cosmetic or plastic surgery (unless to correct an injury for which this section covers)
  • Any expense related to apparatus to correct visual acuity or refractive error, contact lenses, glasses or hearing aids and prosthesis
  • Any cost arising from procurement or use of special braces, implants, appliances or equipment including but not limited to wheelchairs and crutches
  • Dental treatment (unless such treatment is for emergency and caused by Bodily Injury to the sound natural teeth)
  • Dentures, crown, or bridges
  • Vaccinations, immunisation, injections or preventive medication
  • Repatriation or transportation of mortal remains originating outside Hong Kong (applicable to Domestic helper cover B - Item 7 Repatriation expenses and Item 8 Replacement helper expenses)
  • Bodily Injury occurring outside the rest days (applicable to Domestic helper cover B - Item 6 Personal accident benefits)
  • Bodily Injury sustained outside Hong Kong (applicable to Domestic helper cover B - Item 6 Personal accident benefits)

Excess

Major excess Excess amount (HK$)

Household contents 

General

 

$500

Water damage  
i) for multi-storey building  
   a) building age: 30 years or below $1,000 or 5% of loss, whichever is the greater
   b) building age: 31 - 40 years $3,000 or 10% of loss, whichever is the greater
   c) building age: 41 - 50 years $5,000 or 20% of loss, whichever is the greater
 ii) other than i) above Case by case

Household removal

$1,000

Landslip and subsidence

$10,000 or 10% of adjusted loss, whichever is greater

Personal liability

Water damage

$3,000

Building

Water damage

$1,000 or 10% of adjusted loss, whichever is greater

Landslip and subsidence

$10,000 or 10% of adjusted loss, whichever is greater

Other damage

$250

Worldwide personal possessions

General

 

$250