FamilySurance Plus 4.0 (Macau)

FamilySurance Plus 4.0 (Macau)

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

  • Cover loss of money at home up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, an aggregate limit of HK$5,000 per year
  • Accidental loss or theft of personal money or personal effects on business trip outside Macau up to HK$2,500
  • Loss of personal effects kept in your office outside home up to HK$2,500
  • Pay for alternative accommodation expense or loss of rent up to HK$50,000 if your home is uninhabitable due to accidental damage
  • Cover accidental loss of or damage to the personal belongings of domestic servant up to HK$5,000
  • Tenant’s liability against loss of or damage to landlord’s 
  • Owner’s liability in common area cover up to HK$1,000,000 properties up to 10% of the household contents sum insured
  • 24 hours Home Emergency Assistance Service
  • Optional Building covers at your choice

Plan details

Benefits

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

Basic Covers

Household Content

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
$500,000
$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
1/3 of the section limit chosen
$15,000 per item

Money

Includes: cash, cheques, postal orders, banker's 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
$5,000
$1,000 per loss

Extra Benefits

Household Removal

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

$100,000 $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
$50,000
$1,500 per day

Temporary Removal of Household Contents

Temporary removal of household contents for repairing or cleaning

$50,000 $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 $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 $5,000

Loss of Personal Effects in Office

Personal effects kept in your office

$2,500 $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  Macau on business trips

$2,500 $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 $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 $2,000 per incident

Damaged Locks

For replacement cost due to burglary

$2,500 $2,500 $2,500

Frozen Food

If food and drinks in freezer rots due to freezer failure

$5,000 $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
$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 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 contract sum of not more than HK$100,000

$5,000,000 $5,000,000 $5,000,000

Owner's liability in common areas

$1,000,000 $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 Referral service

Optional Cover

Building

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

Sum insured Sum insured Sum insured

Alternative Accommodation

Should your home become uninhabitable due to insured damages

$50,000 $50,000 $50,000

Removal of Debris

After the damage or destruction to your building

$10,000

Personal Accident

Accidental death and permanent disablement

Sum insured
Temporary disablement – being unable to attend to usual occupation temporarily Sum insured (weekly benefit)

Extra Benefits

Extended Spouse Cover

  • covers your spouse as well if you choose the cover for accidental death and permanent disablement for $1,000,000 or above
$100,000
Funeral and cremation expenses $25,000
Damage or loss of clothing and personal effects during accident $2,000
Bonesetters & acupuncturists treatment $1,500
$150 per consultation per day
Hospital Confinement Allowance $500 per week up to 52 weeks
No claim bonus - the no claim bonus you are enjoying can be transferred to us from your current insurer, subject to our scale 10% increase on sum insured per annum up to 5 years
Double indemnity $1,000,000

Worldwide Personal Possessions

Unspecified item

Sum insured
$5,000 per item, set or collection

Specified item Sum insured (for each property exceeding $5,000)

Extra Benefits

Money

$2,500
Unauthorised use of credit cards $10,000
Sports equipment $2,500
Personal documents $1,000
Important Notes:

A. For Building Section

  1. The sum insured for the building should be the rebuilding value plus redecoration cost.
  2. The premises or building to be insured must be less than 40 years of age.
  3. The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
  4. The premises to be insured must be your family’s and your principal place of residence located in Macau SAR and is not a village house or the likes.
  5. 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.
  6. 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.
  7. Alternative Accommodation can only be claimed under either Contents section or Optional Building section.

B. For Worldwide Personal Possessions Section

  1. The sum insured for unspecified items should represent the maximum possible value of all the property you are likely to carry away from home at any one time. 
  2. For any property exceeding HK$5,000 which you would like to insure, please list down separately in the proposal form and provide invoice to as proof of its value.
  3. 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.

C. For Personal Accident Section

  1. This insurance is available to persons aged from 16 to 70. 
  2. Accidental Death & Permanent Disablement Benefit is the basic cover.
  3. Please do not insure the Temporary Disablement Benefit with the limit exceeding your average weekly earnings. 
  4. Self-employed individuals, housewives, and unemployed are not entitled to Temporary Disablement Benefit.

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 Plan C

Up to 500

Up to 400

$1,030 $790 $540

501 – 700

401 - 560

$1,430 $1,090 $750

701 – 1,000

561 - 800

$1,820 $1,390 $960

1,001 – 1500

801 - 1,200

$2,430 $1,860 $1,290

1,001 – 1500

1,201 - 1,600

$2,860 $2,190 $1,520

Over 2,000

Over 1,600

Please refer to us or your insurance advisor Please refer to us or your insurance advisor Please refer to us or your insurance advisor
Worldwide Personal Liability Free Free Free
24-Hour Home Emergency Assistance Free Free Free
Building 0.09% 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 item

$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 damage $1,000 or 10% of loss, whichever is greater
Landslip and subsidence excess $10,000 or 10% of loss whichever is greater

Worldwide Personal Possessions

General item excess

$250