Quotation - Home Insurance - MSIG Insurance Hong Kong,Quotation - Home Insurance

Terms of Use
MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

DISCLAIMER
MSIG has taken reasonable precautions to ensure that the information contained on this website is current, accurate and complete at the date of publication. The information contained on this site is provided for information only, and does not constitute an offer to sell. No representations or warranties are made (express or implied) as to the reliability, accuracy or completeness of such information.

MSIG makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission to information contained on this site. MSIG cannot be held liable for any loss arising directly or indirectly from the use of, or any action taken in reliance on, any information appearing on this website.

No warranty is given that access to any information or materials on this website, or this website as a whole will be provided uninterrupted or free from errors, virus or other malicious, destructive or corrupting code, agent, program or macros.
Please note that there is no guarantee that any correspondence sent via email to or by MSIG will be received, or that the contents of the email will remain confidential during internet transmission.

Collection and Use of Non-Personal Information
We also collect non-personal information − data in a form that does not permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose, such as website traffic information that cannot be identified with a specific person. This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our website, products, and services are of most interest.

Cookies and Other Technologies
MSIG’s website, online services, interactive applications, SMS and email messages, may use “cookies” and other technologies such as “pixel tags”. These technologies help us better understand user behavior, facilitate website improvements, and measure the effectiveness of online advertisements. We treat information collected by cookies and other technologies as non-personal information, because the information is aggregated among all users and can no longer be identified to a specific individual. MSIG also use cookies and other technologies to personalize your experience with MSIG when using our website, applications, and online services. Cookies can be disabled directly from your internet browser, but please note that certain features of website may be unavailable once cookies are disabled.

Copyright
Copyright in the whole and every part of this site be longs to or is licensed to MSIG, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form in or on any media to any person without prior consent of MSIG.

MSIG is the owner and proprietor of or has the right to use all the marks, whether services, trade marks or logos in this website. The use of these marks and icons by users of this website is forbidden. Any pictures or images displayed on this website belong to or are displayed by MSIG with permission of the owners of these pictures or images. The use by you of these pictures or images is strictly prohibited.

This website may be linked to other websites which are not maintained by MSIG. Such links are provided for your convenience and reference only and the inclusion of any hyperlink to any other website is not an endorsement or verification by MSIG of such website, its contents or its sponsoring organization, and such website should only be accessed at your own risk. Please read this information carefully. Your use of service(s) provided by this website is confirmation that you understand and agree to be bound by all these terms and conditions. MSIG reserves the right to change these terms and conditions from time to time.

Governing Law and Jurisdiction
By accessing this website and/or using the service offered through this website, you agree that such use is governed by the laws of the Hong Kong SAR and you agree to submit to the non-exclusive jurisdiction of the courts of Hong Kong SAR.

Data Security
Our website employs the 128-bit VeriSign Secure Socket Layer. All confidential online sessions between you and MSIG are protected up to a 128-bit encryption level. Encryption is a method of scrambling your information to protect its security during transmission across the Internet. Encryption transforms data into an unreadable form, and decryption reverses that process. Both encryption and decryption require the use of a special code, usually referred to as a key. The encryption of data provides a strong degree of protection against tampering while data is moving through the internet. Encryption protects your information against disclosure to third parties.

MSIG Insurance (Hong Kong) Limited ("MSIG", "we" or "us") would ask that you take the time to read these terms and conditions carefully. In case of discrepancies between the English and Chinese versions of this statement, the English version shall prevail.

PRIVACY POLICY

MSIG takes your privacy very seriously. To ensure your personal information is secure, we communicate and enforce our privacy and security guidelines according to the relevant laws and regulations. MSIG takes precautions to safeguard your personal information against loss, theft, and misuse, as well as against unauthorised access, disclosure, alteration, and destruction. Furthermore, we will not sell your personal information to anyone for any purpose. MSIG imposes very strict sanction control and only authorised staff on a need-to-know basis are given access to or will handle your personal data, and we provide regular training to our staff to keep them abreast of any new developments in privacy laws and regulations.

We will only retain your personal data in our business records for as long as it is necessary for business and tax purposes as permitted by the laws. We will require our agent, contractor or third party who provides administrative or other services on our behalf to protect personal data they may receive in a manner consistent with this policy. We do not allow them to use such information for any other purpose. If you have any questions or inquiries regarding our privacy policy, please feel free to contact us.

We may amend this Privacy Policy at any time and for any reason. The updated version will be available by following the 'Privacy Policy' link on our website homepage at msig.com.hk. You should check the Privacy Policy regularly for changes.

Personal Information Collection Statement
Personal information is data that can be used to uniquely identify or contact a single person. As our customers, it is necessary from time to time for you to supply us with your personal data in relation to the general insurance services and products ("the Product") that we provide to you and in order for us to deliver and improve the customer service. This includes but not limited to the personal data contained in the proposal form or in any document in relation to the Product or any claim made under the Product.

Mobile Devices
With your consent, we may send you push notifications about your insurance plan when you use certain location-based services provided by this mobile application. The application will ask you to turn on the Location Service of your smartphone in order to determine your location, but it will not store your location.

Your personal data may be used for obligatory purpose or voluntary purpose. If personal data are to be used for an obligatory purpose, you MUST provide your personal data to MSIG if you want MSIG to provide the Product. Failure to supply such data for obligatory purpose may result in MSIG being unable to provide the Product.

The obligatory purposes for which your personal data may be used are as follows:-

processing and evaluating your insurance application and any future insurance application you may make;
our daily operation and administration of the services and facilities in relation to the Product provided to you;
variation, cancellation or renewal of the Product;
invoicing and collecting premiums and outstanding amounts from you;
assessing and processing claims in relation to the Product and any subsequent legal proceedings;
exercising any right of subrogation by us;
contacting you for any of the above purposes;
other ancillary purposes which are directly related to the above purposes;
complying with applicable laws, regulations or any industry codes or guidelines; and
detecting and preventing fraud (whether or not relating to the policy issued in respect of this application).

The voluntary purposes for which your personal data may be used are any sales, marketing, promotion of other general insurance services and products provided by MSIG. The personal data we intend to use for voluntary purposes are your name, your address, your phone number and email address.

If you do not wish MSIG to use your personal data for the voluntary purposes listed above, you may notify us by writing to our Data Protection Officer at 9/F 1111 King’s Road, Taikoo Shing, Hong Kong. You may also notify us by filling in the General enquiry form. In your notification, you must identify yourself by providing us with your full name, HK ID number, contact number, together with your policy / certificate / acknowledgement number if you have one. (NOTE: The instruction will override all previous instructions relating to direct marketing that have been given to MSIG.)

If you wish to remove your membership registration data from this website or mobile application, you may notify us by writing to our Data Protection Officer at 9/F 1111 King’s Road, Taikoo Shing, Hong Kong. You may also notify us by filling in the General enquiry form. We will delete your data within 14 working days upon receiving your request.

In connection with any of the above purposes, the personal data that we have collected might be transferred to:

third party agents, contractors and advisors who provide administrative, communications, computer, payment, security or other services which assist us to carry out the above purposes (including medical service providers, emergency assistance service providers, telemarketers, mailing houses, IT service providers and data processors);
in the event of a claim, loss adjudicators, claims investigators and medical advisors;
reinsurers and reinsurance brokers;
your insurance broker;
our legal and professional advisors;
our related companies as defined in the Companies Ordinance;
the Hong Kong Federation of Insurers (or any similar association of insurance companies) and its members;
the Insurance Complaints Bureau and similar industry bodies;
government agencies and authorities as required or permitted by law;
fraud prevention organizations;
other insurance companies (whether directly or through fraud prevention organization or other persons named in this paragraph);
the police; and
databases or registers (and their operators) used by the insurance industry to analyse and check information provided against existing information.

In order to confirm the accuracy of your personal data, you agree to provide us with authorisation to access to and to verify any of your personal data with the information collected by any federation of insurance companies from the insurance industry.

Under the relevant laws and regulations, you have the right to request access to and to request correction of your personal data held by us. If you wish to exercise these rights, please write to our Data Protection Officer at 9/F, 1111 King's Road, Taikoo Shing, Hong Kong.

If you have any enquiries or require assistance with this Personal Information Collection Statement, please call us at +852 3122 6922.

Home Insurance

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Important Notes

The premises or building to be insured must be less than 46 years of age.
The premises or building to be insured must be for residential use. No industrial or commercial buildings will be covered.
The premises or building to be insured must be your family's and your principal place of residence located in Hong Kong SAR (except Landlord Protector).
The premises or building to be insured must be not a sub-divided home or sub-let premises.
The premises to be insured is not a village house / bungalow /duplex house / townhouse / detached house or the likes.
The premises to be insured must not be situated on ground floor or not include any kind of roof/rooftop.
The premises to be insured must be built of and roofed with bricks, stones or concrete, and must have no illegal structure or outbuilding items or any household improvements made of glass, metal, plastic or the like (Not applicable to non-structural indoor items).
The policy does not cover any home contents in an open area or on a roof/rooftop.
An enforceable Tenancy Agreement shall be effective on/before the policy effective date and agree to present the Tenancy Agreement upon request.
You and your family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; and to maintain any insured property in good condition and sound repair; if the premises to be insured is constructed with an open kitchen, the relevant fire safety rules and regulations must be complied; 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; Contravention of any regulatory requirements or rules may invalidate the coverage provided by this policy.
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).
Either Burglary/robbery harm allowance or Psychiatric services is payable.
Worldwide Personal Possessions (Optional) and Personal Accident (Optional) are not available for online enrolment. Please contact our customer service at 3122 6922 from 9:00 am to 5:30 pm (Monday to Friday, except public holidays) for details.
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.
Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy

Remark: For the above item 5 & 6, if the premises to be insured is situated on ground floor or is a village house / bungalow / duplex house / townhouse / detached house or the likes, please contact us for separate underwriting / conditions.

Applicable to Domestic Servant Section under iHome Insurance

This plan is only applicable for the foreign domestic helper who is employed by You for full time domestic duties and is aged between 16 and 65.
A standard Employment Contract as specified by the Director of Immigration (Hong Kong) must be entered into between You and the insured Domestic Helper, and it shall be effective on/before the Policy Effective Date.
The insured Domestic Helper must hold a valid employment visa issued by Hong Kong Immigration Department in connection with the employment between You and the insured Domestic Helper for the full time domestic duties as specified in the standard Employment Contract.
The insured Domestic Helper shall work in the address as specified in the standard Employment Contract during the period of insurance and that address must be same as the Insured Address under iHome Insurance (if applicable).
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 Helper.
The premium has included the Employees' Compensation Insurance Levy.

Terms and Conditions on Asia Miles

Customers who have successfully applied for designated insurance policy through online during the promotion period, for each policy will be eligible for One (1) Asia Mile for every HK$3 net premium spent (the "Eligible Customer").
The net premium for calculation of Asia Miles earning will not be rounded up. If the remaining amount after calculation is less than HK$3, these amount will not be redeemed.
Only one Cathay membership number can be registered for each policy of the designated plan during the online enrolment. A valid Cathay membership number must be provided at the time of enrolment. The submitted Cathay membership number must belong to the Eligible Customer and cannot be changed after registration.
Asia Miles will be credited to your designated Cathay membership account 6 to 8 weeks upon the month of successful application.
Customers must have not cancelled the relevant insurance enrolment and/or policies at the time when the Asia Miles credited to the designated Cathay membership account.
MSIG is not the supplier of Asia Miles. The use and redemption of Asia Miles are subject to terms and conditions imposed by the Asia Miles Limited ("AML"). For details, please refer to www.cathaypacific.com. Any enquiry or complaint regarding the Asia Miles, the goods redeemed by/ service relating thereto should be directed to the AML. MSIG assume no responsibility / liability in respect thereof.
MSIG reserves the right to replace the Asia Miles earned in the promotion by alternative rewards without prior notice.
The Asia Miles earned from the Promotion are not transferable, returnable and cannot be altered or redeemed for cash under any circumstances. Terms and conditions apply.

The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the iHome Insurance policy, Landlord Protector policy or Tenant Protector policy. In the event of any inconsistency between the English and Chinese versions of any of the above details, the English version shall prevail.

Beware of scams! Do not provide bank, credit card, investment, insurance and / or mandatory provident fund (MPF) account and / or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from our institution!