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i-Home 2.0 Protection Insurance

Product Features
Benefits Table
Premium
Major Exclusions

Total Protection at Home and Away

Our home is where we feel most secure. Yet it takes just small home accidents, such as a burning cigarette butt or a running water tap, to ruin your home contents. i-Home 2.0 Protection Insurance is specially designed to protect your home against loss or damage caused by unfortunate incidents.

Comprehensive Home Contents Cover

i-Home 2.0 Protection Insurance protects against loss of or damage to home contents in the unfortunate event of accidents such as fire, typhoon, burglary, and theft up to HK$800,000. For valuable items, the cover is up to HK$15,000 per item, set or collection, or up to HK$266,000 in aggregate amount per year and also cover accidental damage to your mobile phone/tablet or laptop computer. Only HK$500 excess will be imposed on general claims unless specified.

Third-Party Liability Cover up to HK$8,000,000

Whether you are the landlord (occupier) or tenant, you can rest assured you will enjoy a full liability cover up to HK$8,000,000 in the event of your negligence causing third party injury or property damage.

Free Worldwide Protection of Personal Belongings

Your family members and you can also be protected overseas. Wherever you travel, your personal belongings or valuables that you carry are protected against loss or damage at no additional cost.

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.

Benefits Table		Maximum Benefit Payable (HK$)
		Platinum Plan	Gold Plan	Silver Plan
Household Contents
Contents (any unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft)		800,000 per year* 100,000 per item, set or collection	500,000 per year* 100,000 per item, set or collection	300,000 per year* 100,000 per item, set or collection
Valuable Property at home (such as jewellery, watches etc.)		1/3 of the Contents sum insured (15,000 per item)
Household improvements		Up to Contents limit
Money, stamps, coins or medals at home (such as cash, cheques, travel ticket etc.)		5,000 per year (1,000 per loss for money or per collection)
Photographic equipment (such as camera or portable video camera or its accessories / ancillary equipment)		2,000 per year
Brittle items (such as articles of glass, china earthenware, crystal or bottles of wine / liquor etc.)		5,000 per piece, set, collection or bottle
Sunglasses or eyeglasses		1,000 per year
Extra Benefits
a.	Household removal – cover loss of or damage to Contents during home removal by professional remover	100,000 per year (10,000 per item)
b.	Alternative accommodation – cover the cost of temporary accommodation if your home become uninhabitable due to insured damages	50,000 per year (1,500 per day)
c.	Breakage of window during typhoon	10,000 per event
d.	Alteration & repairs – 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 100,000)	Covered maximum contract value of 50,000)
e.	Accidental damage to mobile phone/tablet/ laptop within Hong Kong	2,000 (one device per year)	Not Applicable
f.	Temporary removal – cover loss or damage to Contents that are temporarily removed for repairing or cleaning	50,000 per year
g.	Locks – cover the replacement and installation cost if the lock(s) of external doors, gates and windows are damaged due to burglary or attempt theft	2,500 per year
h.	Frozen food & drinks – cover the cost of deterioration of frozen food & drinks due to freezer failure	5,000 per year
Personal Liability (Free)
Any claim against you or your family members in the event of your negligence causing third party injury or property damage, and it extends to Tenant's liability		8,000,000	5,000,000
Worldwide Personal Possessions (Free)
Personal effects and valuables		20,000 per event; 100,000 per year* (5,000 per item)	10,000 per event; 100,000 per year** (5,000 per item)
Extra Benefits
Unauthorised use of credit cards		10,000 per year
Personal money		2,500 per year
Replacement of personal documents (e.g. passport and HKID card)		1,000 per year
Sports equipment		2,500 per year
24-Hour Home Emergency Assistance
Locksmith, Plumber, Electrician, Air-Conditioner Engineer, Home Cleaning, General Repair Assistance etc.		Referral Service is provided

* Inclusive of all sub-limits under Extra Benefits and in the aggregate

Excess (for all plan type)		For each and every claim (HK$)
Household Contents
General		500
Household removal		1,000
Landslip and subsidence		10,000 or 10% of loss whichever is the greater
Water damage		i) For multi-storey building: a) 1,000 or 5% of loss if building age is 30 years or below. b) 3,000 or 10% of loss if building age is between 31 and 40 years. c) 5,000 or 20% of loss if building age is between 41 and 50 years. (above are on a whichever is the greater basis)
		ii) Other than i) above-mentioned: Case by case
Worldwide Personal Possessions
General		500

IMPORTANT NOTE:

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.
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.
All the insurance products offered on this document are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval. AEON Credit Service (Asia) Co., Ltd. ("AEON"), which expression includes its successors and assigns is an insurance agent authorised by MSIG.
MSIG is a general insurer licensed and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Insurance offered by MSIG is only available for subscription by residents of the Hong Kong SAR.
MSIG reserves the right to amend these terms & conditions as well as to vary or terminate the above promotion without prior notice. In case of disputes, the decision of MSIG shall be final and binding.
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.

Gross Floor Area (in sq. ft.)	Annual Premium (HK$)
Gross Floor Area (in sq. ft.)	Platinum Plan	Gold Plan	Silver Plan
450 or below	1,380	960	696
451 - 650	1,452	960	Not Applicable
651 - 850	1,980	1,380
851 - 1,000	2,400	1,716
1,001 - 1,500	2,796	2,100
1,501 - 2,000	3,156	2,460
2,000 以上	Please contact MSIG Hotline

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

Uninsurable risks such as war, terrorism, scratching, corrosion, wear and tear, mechanical or electrical breakdown, home unoccupied for more than 30 consecutive days, malicious damage or vandalism by a person residing lawfully in the home, contact or corneal lens, mobile or portable telephone, etc.
The excess under Home Contents Section or Worldwide All Risks Section is the first HK$500 of each and every claim.