FamilySurance Plus 4.0 with Domestic Servants

FamilySurance Plus 4.0 with Domestic Servants

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

Key Features

  • All Risks Home Contents Protection of up to HK$100,000 per item, set or collection with a maximum benefit of HK$1,000,000 per year
  • Covers valuable properties 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
  • Covers your legal obligation as employer of your domestic servant

Plan Highlights

  • Comprehensive medical and related expenses cover for your domestic servant with no excess
  • 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 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
  •  Occupier's Liability and Personal Liability Cover protects you and your family against any legal liability to third party in respect of accidental injury or property damage of up to HK$5,000,000
  • Owner's Liability in Common Area Cover of up to HK$1,000,000
  • 24-hour Home Emergency Assistance Service
  • Optional building covers

Domestic servant benefits:

  • Covers your legal obligation as an employer of your domestic servant
  • Comprehensive medical and related expenses cover including surgical and hospitalisation expenses, clinical and dental expenses with no excess
  • Cash allowance if your domestic servant is confined in a hospital for more than 1 day as an in-patient for sickness or surgery causing loss or interruption of service

FamilySurance Plus 4.0 with Domestic Servants 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

$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 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

Domestic Servant (Cover B)

Content Plan A Plan B

Employees’ compensation cover

Your liability as an employer under the law

$100,000,000

$100,000,000

Clinical expenses

 

  • Out-patient medical treatment received from registered medical practitioner in the event of bodily injury or sickness
$3,000
($150 per visit per day)
$3,000
($150 per visit per day)
  • Bonesetter treatment 
$100 per visit per day and up to $500 per year $100 per visit per day and up to $500 per year

Surgical and hospitalisation expenses 

 

  • Hospital confinement for surgery or treatment of bodily injury or sickness
$30,000

$30,000

  • Room and board, and other miscellaneous hospital services
$300 per day $300 per day
  • Surgical operation
$10,000 per surgical operation $10,000 per surgical operation

Service interruption cover 

Loss of service resulting from the confinement of domestic servant in a hospital for at least one day for surgery or treatment of bodily injury or sickness

$6,000
($200 per day)

$6,000
($200 per day)

Dental expenses

Dental treatment including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease

$1,500
(Two-thirds of actual expenses per claim)

$1,500
(Two-thirds of actual expenses per claim)

Personal accident benefit

Accidental bodily injury resulting in death or permanent disablement during his/her rest days within 12 months from the date of accident 

$100,000

$100,000

Repatriation expenses

Repatriation of your domestic servant who is certified by a registered medical practitioner as medically unfit to complete the contract in the event of serious sickness or bodily injury, or the repatriation of his/her mortal remains to the country of residence in the event of death

$20,000

$20,000

Replacement helper expenses

Reasonable and necessary expenses actually incurred for employing a new domestic servant in the event that the insured repatriates the existing domestic servant due to serious illness, bodily injury or death

$3,000

$3,000

Fidelity guarantee cover  

 

 

  • Pecuniary loss caused by fraud or dishonesty committed by your domestic servant
$10,000 $10,000
  • Unauthorised telephone calls 
$3,000 per year $3,000 per year

Replacement and installation cost of main door or metal gate lock

Cost of main door lock or metal gate lock following the termination of employment contract with the domestic servant due to discovery of any act of infidelity or repatriation of the domestic servant (Replacement & installation must be undertaken within 7 days after the termination of employment contract)

$500

$500

Building (Optional Cover)

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 or building to be insured must be your family’s and your principal place of residence located in Hong Kong SAR.
  4. The premises or building is not a sub-divided home or sub-let premises and is not a village house or the likes.
  5. The premises to be insured must not be situated on ground floor.
  6. An enforceable Tenancy Agreement shall be effective on/before the Policy Effective Date and agree to present the Tenancy Agreement upon request.
  7. 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.
  8. 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.
  9. Alternative Accommodation can only be claimed under either the Contents section or Optional Building section.
  10. A standard Employment Contract as specified by the Director of Immigration (Hong Kong) must be entered into between you and the insured domestic servant, and it shall be effective on/before the Policy Effective Date.
  11. The insured domestic servant must hold a valid employment visa issued by the Hong Kong Immigration Department in connection with the employment between you and the insured domestic servant for the full time domestic duties as specified in the standard Employment Contract.
  12. The insured domestic servant shall work in the address as specified in the standard Employment Contract during the period of insurance and that address must be the same as the insured address under FamilySurance Plus 4.0.
  13. The 14-day waiting period from the effective date of the insurance is applicable under Cover B – Clinical Expenses, Surgical and Hospitalisation Expenses, Service Interruption Cover and Dental Expenses for each domestic servant.
  14. The premium has included the Employees' Compensation Insurance Levy.
  15. 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.
  16. The sum insured for Building Cover should represent the full cost of rebuilding the insured address (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).
  17. All insurance products offered on this website are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG is a general insurer licensed and regulated by the Commissioner of Insurance of the Hong Kong SAR.

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) / Items  Annual Premium (HK$)
FamilySurance Plus 4.0 Plan A 
with Domestic Servant Cover B 
FamilySurance Plus 4.0 Plan B
with Domestic Servant Cover B 

Up to 500

$1,780

$1,540

501 - 700

$2,180

$1,840

701 - 1,000

$2,570

$2,140

1,001 - 1500

$3,180

$2,610

1,501 - 2,000

$3,610

$2,940

Over 2,000

Please call our Customer Services Hotline

Please call our Customer Services Hotline

Worldwide Personal Liability

Free

Free

24-Hour Home Emergency Assistance

Free

Free

Building

0.09% on sum insured

0.09% on sum insured

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)

For Domestic Servant Section

  • Pre-existing ailments
  • Rest-cure or physical check-up
  • Nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilisation, heart disease or cancer
  • Any routine examination, scaling, polishing or cleaning and crowning, cost of any bridges, braces and dentures
  • Vaccinations, immunisation, injections or preventive medication
  • Repatriation or transportation of mortal remains originating outside Hong Kong (applicable to Domestic Servant Cover B - Item 7 Repatriation Expenses and Item 8 Replacement Helper Expenses)
  • Bodily injury occurring outside the rest days (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)
  • Bodily injury sustained outside Hong Kong (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)

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 (Optional Cover)

General items

$250

Water damages

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

Landslide and subsidence

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