FamilySurance Plus 4.0

FamilySurance Plus 4.0

Protect your home and the belongings you love

Key Features

  • All Risks Home Contents Protection of up to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year
  • Covers specified valuable properties of  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
  • Occupier’s Liability and Personal Liability Cover protects you and your family against any legal liability to a third party injury or property damage of up to HK$5,000,000

Plan Highlights

  • Covers loss of money at home of up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, up to an aggregate limit of HK$5,000 per year
  • Covers accidental loss or theft of personal money or personal effects on business trips outside Hong Kong of up to HK$2,500
  • Covers loss of personal effects kept in your office outside of home of up to HK$2,500
  • Covers alternative accommodation expenses or loss of rent of up to HK$50,000 if your home is uninhabitable due to accidental damage
  • Covers accidental loss of or damage to the personal belongings of your domestic servant of up to HK$5,000
  • Covers Tenant’s Liability against loss of or damage to landlord’s properties of up to 10% of the household contents sum insured
  • Owner’s Liability in Common Area Cover of up to HK$1,000,000
  • 24-hour Home Emergency Assistance Service
  • Optional building covers at your choice

FamilySurancePlus 4.0 is only available for online purchase.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.

Plan details

Basic Covers

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

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

Valuables

Includes: jewellery, items of gold, silver or other precious metals, items of crystal and precious stones, watches, photographic equipment, binoculars, works of art, Chinaware, curios, furs, musical instruments (excluding pianos)

1/3 of the section limit chosen
$15,000 per item

1/3 of the section limit chosen
$15,000 per item

Money

Includes: cash, cheques, postal orders, bankers drafts, travel tickets, saving certificates, current postage stamps, collection of stamps, coins or medals, gift tokens, all held for social or domestic purposes

$5,000
$1,000 per loss

$5,000
$1,000 per loss

Extra Benefits

Content Plan A Plan B

Household Removal

For loss of or damage to household contents during the course of removal by a professional remover

$100,000

$100,000

Alternative Accommodation/Loss of Rent

Should your home become uninhabitable due to insured damages

$50,000
$1,500 per day

$50,000
$1,500 per day

Temporary Removal of Household Contents

Temporary removal of household contents for repairing or cleaning

$50,000

$50,000

Fatal Accident

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

$50,000

$50,000

Burglary Harm Allowance

If you or your spouse 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

Domestic Servant’s Property

Accidental loss of or damage to personal belongings (excluding money) of your domestic servant 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)

$2,000 per incident

$2,000 per incident

Damaged Locks

For replacement cost due to burglary

$2,500

$2,500

Frozen Food

If food in freezer rots due to freezer failure

$5,000

$5,000

Home Quarantine Allowance

If being confined at home involuntarily in quarantine as declared by the local authority

$5,000
$500 x 10 days

$5,000
$500 x 10 days

Tenant’s Liability

For loss of or damage to landlord's property

10% of the section limit

10% of the section limit

Personal Liability (Free)

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

$5,000,000

$5,000,000

Owner’s liability in common area

$1,000,000

$1,000,000

24-hour Home Emergency Assistance (Free)

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

Referral service

Referral service

Building (Optional)

Content Plan A Plan B

Building

For the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement

Sum insured

Sum insured

Alternative Accommodation

Should your home become uninhabitable due to insured damages

$50,000

$50,000

Removal of Debris

After the damage or destruction to your building

$10,000

$10,000

Important Notes:
  1. The premises or building to be insured must be less than 40 years of age.
  2. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  3. The premises to be insured must be your family’s and your principal place of residence located in Hong Kong SAR and is not a village house or the likes.
  4. You and your family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; and to fulfill the requirement of the deed of mutual covenant, any other relevant regulations or statutory instruments relating to the building and your home.
  5. Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by you within the insured premises are covered under the Building Section.
  6. If you would like to insure any valuable property exceeding HK$15,000, you should provide relevant invoice to prove its value at the time of application.
  7. Alternative accommodation can only be claimed under either Contents section or Optional Building section.
  8. 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$)

Plan A

Plan B

Up to 500

Up to 400

$1,030

$790

501 – 700

401 - 560

$1,430

$1,090

701 – 1,000

561 - 800

$1,820

$1,390

1,001 – 1500

801 - 1,200

$2,430

$1,860

1,001 – 1500

1,201 - 1,600

$2,860

$2,190    

Over 2,000

Over 1,600

Please call our Customer Services Hotline

Please call our Customer Services Hotline

Worldwide Personal Liability

Free

Free

24-Hour Home Emergency

Free

Free

Building

0.09%

0.09%

Exclusions

For All Sections 

  • Sub-divided home or sub-let premises
  • Insured premises that are situated in a building where sub-divided flats are known to exist
  • Insured premises that are used for business purposes 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 open area
  • Mobile/portable radio telecommunication equipment e.g. mobile/portable telephones and pagers
  • 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
  • Any items that fall under the definition of “Building” as described below:
    1. The structural part of your home including but not limited to fabric walls and the wall paint, flooring, doors with frames, windows with frames
    2. Permanent fixtures and fittings including but not limited to skirting, water pipes, electric cables/wiring, fixed glass, sanitary fixtures, fixed or permanently installed on the structural parts of your Home
    3. Outbuildings at your home used for domestic purposes
    4. Swimming pools, tennis hard courts, garden walls, patios, terraces, hedges, fences, gates, paths and drives, that are forming part of your home (but not retaining walls, foundations and drains)

Excess

Major Excess Excess Amount (HK$)

Household Contents 

General items

$250

Household removal

$1,000

Landslip and subsidence

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

Personal Liability

Water damage

$3,000

Building

General items

$250

Water damages

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

Landslide and subsidence

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