iHome with Domestic Helper Insurance
A single plan to protect everything in your household, including your helper
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Plan Highlights
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All Risks Home Contents ProtectionUp to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year against all risks |
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Valuable Property at HomeUp 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 ProtectionCover your legal obligation as employer of your domestic helper |
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Household Improvement CoverAccidental loss of or damage to household improvement up to HK$100,000 |
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Protection to Your Mobile DevicesCover accidental damage to mobile phone/tablet or laptop computer up to HK$2,000 |
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Breakage of Window Glass During TyphoonCover 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 contentsHousehold 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* |
$750,000* |
Valuable property at homeSuch 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 homeSuch 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 equipmentSuch as camera or portable video camera or its accessories / ancillary equipment |
$2,000 | $2,000 |
Brittle itemsSuch 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 removalLoss 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 rentIf your home becomes uninhabitable due to an insured damage |
$50,000 |
$50,000 |
Temporary removal of household contentsLoss of or damage to household contents that are temporarily removed for repairing, cleaning or renovation |
$50,000 |
$50,000 |
Fatal accident benefitShould 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 allowanceIf 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 officePersonal effects kept in your office |
$2,500 |
$2,500 |
Loss of personal effects / money on business tripsLoss 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 propertyAccidental 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 incrementFor loss of money due to burglary during public holidays (except Sundays) |
Increased to $2,000 per incident |
Increased to $2,000 per incident |
Damaged locksFor 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 drinksIf food and drinks are spoilt in the freezer due to freezer failure |
$5,000 |
$5,000 |
Home quarantine cash benefitIf 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 liabilityFor 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 repairsFor 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 extensionFor 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 protectionFor 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 |
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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 A1Employees’ compensation cover |
$100,000,000 |
$100,000,000 |
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Hospital & related expenses cover 4
|
5,000 3,000 |
5,000 3,000 |
Domestic helper - Cover B1Employees’ compensation cover |
$100,000,000 |
$100,000,000 |
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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 |
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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&4Extend to cover heart disease and cancer under surgical & hospitalisation expenses, clinical Expenses and service interruption |
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Optional cover 2 2-4Extend 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 |
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Important Notes:
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It is only available for foreign domestic helper aged from 16 to 65
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Optional cover 1 & 2 are available for cover B only
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The optional cover 2 is only available for domestic helpers aged below 45 at the time of enrolment
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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 |
|---|---|---|
BuildingFor the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvements |
Sum insuredA1 |
Sum insuredA1 |
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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) |
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Removal of debris - cover the cost of removal of debris following accidental damage to your building |
$10,000 |
$10,000 |
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Landslip and subsidence extension - if loss or damage is caused to your home directly by landslip or subsidence |
Covered | Covered |
Worldwide personal possessionsAccidental 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
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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
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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 $5,000 each, they can be grouped as one item in which case the sum insured should represent the total value of such properties you are likely to carry away from home at any one time.
In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.
Premium
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Gross floor area (sq ft) Saleable floor area (sq ft) |
Annual premium (HK$) | ||||
|---|---|---|---|---|---|
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iHome Insurance Plan A with Domestic Helper Cover B |
iHome Insurance Plan B with Domestic Helper Cover B |
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Up to 500 Up to 400 |
$2,090 |
$1,850 |
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501 – 700 401 - 560 |
$2,490 |
$2,150 |
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701 – 1,000 561 - 800 |
$2,920 |
$2,490 |
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1,001 – 1500 801 - 1,200 |
$3,530 |
$2,960 |
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1,001 – 1500 1,201 - 1,600 |
$4,000 |
$3,330 |
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Over 2,000 Over 1,600 |
Please call our Customer Services Hotline at 3122 6922 |
Please call our Customer Services Hotline at 3122 6922 |
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Worldwide personal liability |
Free |
Free |
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24-hour home emergency |
Free |
Free |
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Building |
0.09% |
0.09% |
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Worldwide personal possessions |
1.5% |
1.5% |
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Domestic helper |
Cover A | Cover B | Optional cover 1 | Optional cover 2 | |
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$414 |
$750 |
$120 |
$250 |
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Exclusions
For all sections |
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For household contents section |
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For domestic helper section |
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Excess
| Major excess | Excess amount (HK$) |
|---|---|
Household contentsGeneral |
$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 |
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Household removal |
$1,000 |
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Landslip and subsidence |
$10,000 or 10% of adjusted loss, whichever is greater |
Personal liabilityWater damage |
$3,000 |
BuildingWater damage |
$1,000 or 10% of adjusted loss, whichever is greater |
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Landslip and subsidence |
$10,000 or 10% of adjusted loss, whichever is greater |
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Other damage |
$250 |
Worldwide personal possessionsGeneral |
$250 |