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Terms of Use

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.

Privacy Policy

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 www.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.

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; and
  • complying with applicable laws, regulations or any industry codes or guidelines.


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. We cannot use your personal data for voluntary purposes without your consent.

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 Claims Complaints Bureau and similar industry bodies; and
  • government agencies and authorities as required or permitted by law.

 

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 Cityplaza One, 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 or email to dpo@hk.msig-asia.com.

FAQ

FAQ

FAQ

Travel Insurance

Home Insurance

Travel Insurance
  • I have an iTravel Plus (Annual) insurance policy. Does it cover all my journeys made during the year?
  • My planned travel period is within the period of insurance of my iTravel Plus Policy. During the middle of my trip, I wish to extend my travel plan. Will my iTravel Plus Policy automatically extend the period of insurance?
  • I planned for a 5-day trip in Singapore and purchased an iTravel Plus insurance policy. On the last day of my trip I suffered from serious diarrhea thus I have to stay in Singapore for 2 more days. Will my iTravel Plus insurance policy provide coverage?
  • I fell sick while I was travelling but I did not consult a doctor. I only did so when I came back to Hong Kong. Am I covered?
  • I am going on a business trip after which I will stay behind for my personal travelling. Can I only take out travel insurance for my personal travel?
  • I know that riots are taking place in my travel destination but I have to go as planned. Will that affect the coverage of my iTravel Plus Policy?
  • When I returned to Hong Kong from a trip, my baggage was delayed. Am I covered under my iTravel Plus Policy?
  • What should be my policy inception date for a flight schedule starting at midnight?
  • I will be travelling to Phuket this weekend, but a tsunami has just hit the tourist spot today. I want to cancel my trip. Am I covered?
  • I originally planned to travel from Edinburgh to London then to Hong Kong by air. Unfortunately the volcanic ash had halted the air traffic in Scotland. I chose the road transport instead to travel to London in order to catch the flight to Hong Kong. Can I claim the road transport costs?
  • I originally planned to take a public coach from Taichung to Taipei airport to take a flight back to Hong Kong. Unfortunately the heavy rain and landslide had blocked off the road and my flight had gone. I therefore bought another air ticket to return to Hong Kong. Can I claim the additional air ticket cost?
  • I missed my flight since there was a traffic accident on my way to the airport and the road was congested. Consequently I had to purchase another air ticket to reach my destination. Can I claim back the extra ticket fees?
  • Will I be covered if I got injured by terrorist attack while travelling?
The policy provides cover for unlimited number of journeys made during the insurance period. Each journey does not last more than 90 days. If the journey exceeds 90 days, the whole journey will not be covered under the policy.

If your journey lasts more than 90 days, you are recommended to take out iTravel Plus (Single Trip) insurance policy which covers any journey up to 182 consecutive days.
Your iTravel Plus Policy will only be automatically extended for reasons stated in the Travel Delay and Trip Rearrangement Section. If you wish to extend your trip for other purposes and also extend the period of insurance, you are advised to contact us before policy expiry to obtain our prior consent. An additional premium may be required to extend your period of insurance under these circumstances.
Yes. iTravel Plus Policy will provide coverage. Your coverage under your iTravel Plus Policy will be automatically extended for a maximum of 14 days if your trip is delayed due to your serious sickness.

The insurance period of iTravel Plus Policy will be automatically extended in the following circumstances:
a) Death,
b) Serious Bodily Injury, or
c) Serious Sickness
of you, or your Immediate Family Members, fiancé / fiancée , or Close Business Partner traveling with you.

As a friendly reminder, such circumstances must be supported by a written confirmation from a legally registered medical practitioner from your traveling country during your claim.
Unfortunately, your medical expenses incurred after your return to Hong Kong are not covered. Under your iTravel Plus Policy, we only pay for medical expenses incurred as follow-up treatment in Hong Kong if you have consulted a Legally Registered Medical Practitioner overseas for the same sickness during the insured trip.
I'm afraid not. It is because travel policy only covers journeys which start in Hong Kong. Therefore, if your company has purchased travel insurance for your business trip, it is recommended to extend the period of insurance to cover your personal trip under the same policy. Otherwise, if your company did not purchase travel insurance for your business trip, it is recommended that you buy a travel policy for your whole trip including both the business and personal travel to ensure protection.
It depends on when you take out the travel policy. If riots are known or announced prior to your application for travel insurance, any loss arising from the riots is not covered by the travel insurance as it has become a known incident which is excluded by travel insurance policy but any loss not arising from the riots will be covered as usual.
I'm afraid not. Delayed Baggage protection is only available when your check-in baggage was delayed in your outward journey. The intention of this cover is to assist you when you are deprived of essential supplies when away from home. When you return home, it is expected that you will have easy access to such supplies without assistance.
You're recommended to take out travel insurance a day prior to your midnight flight to ensure your journey from home/office to airport will also be covered.

This is because the coverage of iTravel either commences:
a) when you leave your home or office in Hong Kong for the sole purpose of starting the trip, or ,
b) at the policy inception date

whichever is later.

For example, your flight is scheduled on 00:30 am 10th March. If you take out travel insurance from 10th March and if unfortunately your car crashes during your journey to the airport at 11.30 pm 9th March, then you will not be protected by iTravel Plus Policy as the travel insurance policy is only effective on 10th March.
Yes, your unused travel and accommodation expenses that you have already paid or must pay and at the same time you cannot recover them from any other source are covered under Trip Cancellation Benefit if your scheduled journey is delayed more than 24-hour due to tsunami.
Yes, we will reimburse you the additional road transport fares since the ash from the volcano – which is a natural disaster -- has caused the failure of your scheduled flight to get you to your planned destination – London.
Yes, we will reimburse you the additional air ticket expense as the public coach had failed to get you to the Taipei airport due to adverse weather which is one of the specified perils covered in our policy.
Unfortunately you cannot because traffic accident is not our specified peril that we will cover in our travel policy.
Yes. iTravel Plus Policy extends to cover death or bodily injury, medical expenses and emergency assistance services in case of terrorist attack while traveling. However, it is noteworthy that we do not cover such acts of terrorism that involve the use of biological, chemical agents or nuclear devices.
Home Insurance
  • What is covered under a FamilySurance Plus 4.0 Insurance Policy if a water pipe bursts at home?
  • I am moving to a new home. Am I covered under my FamilySurance Plus 4.0 Insurance Policy?
  • If my domestic helper causes damage to third party properties or injures a third party, am I covered under FamilySurance Plus 4.0 Insurance Policy?
  • If a window frame falls from my flat, am I protected by my FamilySurance Plus 4.0 Insurance Policy?
  • I have renovated my home to have an open kitchen. Is it covered under my FamilySurance Plus 4.0 Insurance Policy?
  • My home was burgled and I lost my expensive watches and HK$50,000 in cash. Am I covered under my FamilySurance Plus 4.0 Insurance Policy?
  • My apartment is let. Can I just take out the optional cover of the Building Insurance under the FamilySurance Plus 4.0 Insurance Policy?
When a pipe bursts, the following may happen:
the wall behind which the pipe is laid may require repainting ;

the wallpaper may need to be replaced;

the wooden flooring may need to be replaced;

the electricity cables and switches may need to be replaced;

the lower part of the furniture such as the dining table, the wardrobes, the beds may be wet, requiring repair or replacement;

water may have seeped through the floor to the unit below, resulting in a claim for the cost of repairs etc. from the tenant below


The reasonable cost of repairs to, or replacement of, the furniture will be paid as Household Contents subject to a policy excess. In some cases, the claim payment is also subject to a deduction for wear and tear.

The cost of replacing the electricity cables and switches, repainting the wall or replacing the wallpaper is not payable under the Household Contents Section of the Policy as the wall, wiring and switches form part of a Building. However such cost can be paid, subject to a policy excess, if you have purchased the Building Section of the Policy. The same situation would apply to the wooden flooring.

It is worth noting that unless there is clear evidence to show that the pipe burst is caused by an external accident e.g. someone has struck the wall hard to break it and subsequently the pipe, the cost of repairing or replacing a burst pipe is not covered under any insurance policy. As pipes are usually hidden behind and protected by walls, if they burst it is most likely to be caused by their own wear and tear (which is a common exclusion by insurance policies) unless there is obvious external force.

As to the claim from the landlord below, the Personal Liability Section of the Policy will help you take care of this. Whether the Policy will eventually pay out depends on whether you are legally responsible for the burst and the subsequent escape of water to the floor below. If it is proven that the water damage occurred because of your negligence, the Policy will pay the indemnity after recovering from you a policy excess. If you are not responsible for the water damage, the Policy will not pay the tenant below.

In order for the insurance company to handle the claim on your behalf, please ensure that you comply with the Claims Conditions.
Subject to a few exceptions and a maximum limit, your Household Contents are covered under the Policy in the course of your household removal if this is done through the service of a professional remover. Please refer to your Policy for the amount of the maximum limit. Each loss is also subject to a policy excess as stated in the Policy.

The items of Household Contents which are not covered in this situation are:
Money

Valuable Property

fragile items which are unsuitably packed
If the domestic helper causes the damage or the injury while she is working for you, e.g. when she is cleaning the windows at home or shopping in the supermarket for your household needs, legally you are liable for her acts. In this situation, the Policy will provide cover for you.

If the domestic helper causes the damage or the injury while she is acting for herself only, e.g. when she is on leave, you are not legally liable for her acts. Under these circumstances, the Policy will not provide cover for such damage or injury.
A window frame is part of a Building. If you have purchased the Building Section, the replacement cost of the window frame is covered by the Policy as long as the cause of its fall is not excluded by the Policy. For example, if it falls because of the strong wind in a typhoon, the Policy will pay for the replacement. However if it falls because of its own wear and tear or corrosion, the Policy will not pay for the replacement.

If a third party is injured or if third party properties are damaged as a result of the fall of the window frame, you will incur legal liability. Such liability is covered by the Personal Liability Section of the Policy regardless of the cause of the fall of the window frame.
As long as the renovation was done in compliance with all relevant regulations, the open kitchen continues to be covered as part of the Building under the Building Section of the Policy.
The Policy will pay for the lost watches up to a specified maximum value per watch as stated in the Policy. The Policy also specifies a maximum value for all the watches and valuable items. For example, the Policy may pay a maximum of HK$15,000 per watch. In total, the Policy will pay up to approximately HK$166,666 or HK$333,333 for all the watches and valuable items under the Household Contents Section of different plans.

If any of your watches is worth more than the maximum value as stated in the Policy and you would like to insure it for its full value, please contact our hotline. You may be required to supply more information or documents for us to consider whether or not such a watch can be insured up to its full value subject to an additional premium.

As to the loss of cash, the Policy will pay up to a maximum value as stated in the Policy e.g. HK$1,000 for each loss.

You are advised not to put too much cash at home as the cover for any loss of cash is limited.
Unfortunately you cannot. The Household Contents Section is the basic cover of FamilySurance Plus 4.0 Insurance Policy which is mandatory for purchase. If your apartment is let together with your furniture and electrical appliances, FamilySurance Plus 4.0 Insurance Policy will provide relevant cover. In your case where you are not residing in the insured apartment, the cover will be limited to any loss of or damages to the household contents caused by the named perils such as fire, explosion, flood, typhoon, etc.