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Key Features
iHome Insurance Plan Highlights
1Eligible Household Appliances means room air conditioners, refrigerators, washing machines, dehumidifiers, televisions, storage type electric water heaters, gas cookers and gas instantaneous water heaters.
2Energy Label Product means any of the Listed Models of Prescribed Products as defined under the Energy Efficiency (Labelling of Products) Ordinance, Chapter 598 of the Laws of Hong Kong.
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 | Maximum Benefits Payable Per Year (HK$) | |
|---|---|---|
| Household Contents (Basics) | Plan A | Plan B |
| 1. Household contents • Limit per item, set or collection |
1,000,0003 100,000 |
750,0003 100,000 |
| 2. Valuable property at home (such as jewellery, watches etc.) • Limit per item |
1/3 of Contents limit 15,000 |
1/3 of Contents limit 15,000 |
| 3. Money, stamps, coins or medals at home • Limit per loss for money or per collection |
10,000 2,500 |
10,000 2,500 |
| 4. Photographic equipment | 2,000 2,000 |
2,000 2,000 |
| 5. Brittle items • Limit per item |
5,000 | 5,000 |
| 6. Sunglasses or eyeglasses | 1,000 | 1,000 |
Household Contents (Extra Benefits) |
||
| 1. Household removal • Limit per item |
100,000 10,000 |
100,000 10,000 |
| 2. Alternative accommodation/loss of rent • Limit per day for alternative accommodation • Limit per day for temporary boarding for your pet |
50,000 1,500 3,000 |
50,000 1,500 3,000 |
| 3. Temporary removal | 50,000 | 50,000 |
| 4. Fatal accident benefit | 150,000 | 100,000 |
| 5. Burglary/robbery harm allowance4 | 10,000 | 10,000 |
| 6. Loss of personal effects in your office | 2,500 | 2,500 |
| 7. Loss of personal effects/money on business trips • Limit per occurrence |
5,000 2,500 |
5,000 2,500 |
| 8. Loss or damage to domestic helper's property | 5,000 | 5,000 |
| 9. General holidays increment • Limit per accident |
5,000 | 5,000 |
| 10. Damaged locks | 2,500 | 2,500 |
| 11. Frozen food and drinks | 5,000 | 5,000 |
| 12. Tenant's liability | 10% of the Household Contents sum insured |
10% of the Household Contents sum insured |
| 13. Removal of damaged household contents | 10,000 | 10,000 |
| 14. Alterations and repairs • Maximum contract value |
Covered 150,000 |
Covered 150,000 |
| 15. Breakage of window glass during typhoon | 10,000 | 10,000 |
| 16. Landslip & subsidence extension | Covered | Covered |
| 17. Accidental damage to mobile phone/tablet or laptop computer (Worldwide) 5 • Limit per mobile phone • Limit per tablet / laptop computer • Maximum no. of reimbursements per year |
2,500 5,000 2 |
2,500 5,000 2 |
| 18. Online purchased goods protection • Maximum occurrences per year • Limit per item • Minimum value of purchase items per order |
10,000 2 1,500 500 |
10,000 2 1,500 500 |
| 19. Psychiatric services4 | 10,000 | 10,000 |
| 20. Eco Living Coverage • Additional cover for each eligible lost or damaged item |
1,000 or 10% of the purchase price of the replacing item, whichever is lower | |
| 21. Outdoor Property Extension • Limit per item |
10,000 2,500 |
10,000 2,500 |
| 22. 24-hour home emergency assistance | Included | Included |
Personal Liability (Free cover) |
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|
8,000,000 | 8,000,000 |
Optional Cover – Building |
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| Building - for the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvements | Sum InsuredA8 | |
| Alternative accommodation/loss of rent • Limit per day for alternative accommodation • Limit per day for temporary boarding for your pet |
50,000 1,500 3,000 |
|
| Removal of debris | 10,000 | |
| Landslip and subsidence extension | Covered | |
Optional Cover – Domestic HelperC1 |
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| Employees’ compensation cover • Limit per event |
100,000,000 | |
| Clinical expensesC6 • Limit per visit per day • Physiotherapist, Chinese medical practitioner or Bonesetter > Limit per visit per day |
4,000 200 500 100 |
|
| Surgical & hospitalisation expensesC6 (include Day care surgery) | 30,000 | |
| Service interruption • Limit per day |
6,000 300 |
|
| Dental expensesC6 • Limit per visit |
1,500 2/3 of expenses |
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| Personal accident | 100,000 | |
| Repatriation expenses | 20,000 | |
| Replacement helper | 10,000 | |
| Fidelity guarantee | 10,000 | |
| Replacement and installation cost of main door lock or metal gate lock | 500 | |
| Medical protection for abuse of your family • Trauma Counselling Expenses • Limit per visit per day |
10,000 Covered 1,000 |
|
1Eligible Household Appliances means room air conditioners, refrigerators, washing machines, dehumidifiers, televisions, storage type electric water heaters, gas cookers and gas instantaneous water heaters.
2Energy Label Product means any of the Listed Models of Prescribed Products as defined under the Energy Efficiency (Labelling of Products) Ordinance, Chapter 598 of the Laws of Hong Kong.
3Inclusive of all sub-limits under Extra Benefits and in the aggregate
4Either Burglary/robbery harm allowance or Psychiatric services is payable
5Not applicable if you or your family members are below 18 years of age at the time of the damage
iHome Insurance Important Notes:
Building Section Important Notes:
Domestic Helper Important Notes:
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.
| Gross Floor Area (sq ft) | Annual Premium (HK$) | |||
|---|---|---|---|---|
| Plan A | Plan B | Plan A with Domestic Helper Insurance | Plan B with Domestic Helper Insurance | |
| 500 or below | 1,340 | 1,100 | 2,090 | 1,850 |
| 501 - 700 | 1,740 | 1,400 | 2,490 | 2,150 |
| 701 - 1,000 | 2,170 | 1,740 | 2,920 | 2,490 |
| 1,001 - 1,500 | 2,780 | 2,210 | 3,530 | 2,960 |
| 1,501 - 2,000 | 3,250 | 2,580 | 4,000 | 3,330 |
| Over 2,000 | Please call our Customer Services Hotline 3122 6922 | |||
| Personal Liability | Free | |||
| 24-Hour Home Emergency Assistance | Free | |||
| Building | 0.09% on Sum Insured | |||
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.
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.
For all sections:
For Household Contents Section:
For Domestic Helper Section:
Major Excesses
| Major Excess | Excess Amount (HK$) |
|---|---|
| Household Contents | |
| General items | 500 |
| Water damage | |
| i) for multi-storey building | |
| a) building age: (30 years or below) | 1,000 or 5% of loss, whichever is the greater |
| b) building age: (31 - 40 years) | 3,000 or 10% of loss, whichever is the greater |
| c) building age: (41 - 50 years) | 5,000 or 20% of loss, whichever is the greater |
| d) building age: (51 - 55 years) | 10,000 or 20% of loss, whichever is the greater |
| ii) other than i) above | Case by case |
| Household removal excess | 1,000 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Personal Liability | |
| Water damage | 3,000 |
| Building | |
| Water damage | 1,000 or 10% of adjusted loss, whichever is greater |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Other damage | 250 |
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Benefit | Maximum Benefit Payable Per Year (HK$) | ||
|---|---|---|---|
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
Basic Cover |
200,000 in the aggregate inclusive of all sub-limits under Extra Benefits |
300,000 in the aggregate inclusive of all sub-limits under Extra Benefits |
400,000 in the aggregate inclusive of all sub-limits under Extra Benefits |
| Content Accidental loss of or damage to your contents including furniture, fixtures and fittings and household appliances |
200,000 (15,000 per item, set or collection) |
300,000 (15,000 per item, set or collection) |
400,000 (15,000 per item, set or collection) |
| Household Improvements Household improvements – improvements and betterments on walls, windows, ceiling, floors and doors |
50,000 | ||
Extra Benefits |
|||
| Damaged locks Replacement and installation costs if windows, gate or external door locks and keys are damaged due to burglary or attempted theft |
5,000 | ||
| Removal of Debris After the damage or destruction to your home |
10,000 | ||
| Temporary removal of contents Loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair within Hong Kong |
50,000 | ||
| Landslip and subsidence extension Loss of or damage to contents directly caused by landslip or subsidence |
Covered | ||
| Alterations and repairs Accidental loss of or damage to contents while the insured premises is under alteration or repair |
Covered (Contract period not exceeding two months and within maximum contract value of 100,000) |
||
| Eco Living Coverage^ Additional cover for each eligible lost or damaged item |
1,000 or 10% of the purchase price of the replacing item, whichever is lower | ||
Loss of Rent (Basic Cover)
|
80,000 or total rent of maximum three months, whichever is the lower |
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| We will cover your loss of rent in respect of the following situation: If your premises is uninhabitable due to accidental loss of or damage to contents as insured |
Covered | ||
| If access to your premises is prevented by damage to other premises in the vicinity | |||
| If your tenant dies as a result of murder or suicide and no one is paying the rent | |||
| If your tenant fails to pay the rent and you have i) taken legal action; and ii) obtained court judgment; and iii) could not receive the payment within one month after the court ruling |
20,000 | ||
Property Owner's Liability (Free Cover) |
|||
| Any claim against you as the owner of the insured premises in the event of accident causing third party's bodily injury or property damage | 5,000,000 per occurrence |
6,000,000 per occurrence |
8,000,000 per occurrence |
| Your legal liability as the owner of the insured premises whilst alteration or repair works are carried out at the insured premises | Covered (contract period not exceeding two months and within maximum contract value of 100,000) |
||
Building1(Optional Cover) |
|||
| Accidental loss of or damage to the structural part of your premises | Sum insured2 | ||
| Landslip and subsidence extension – loss of or damage to the structural part of your premises directly caused by landslip or subsidence | Covered | ||
^Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme
Eligible Household Appliances means room air conditioners, refrigerators, washing machines, dehumidifiers, televisions, storage type electric water heaters, gas cookers and gas instantaneous water heaters. Energy Label Product means any of the Listed Models of Prescribed Products as defined under the Energy Efficiency (Labelling of Products) Ordinance, Chapter 598 of the Laws of Hong Kong.
Important Notes:
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
|---|---|---|---|
| Annual Premium (HK$) | 798 | 1,088 | 1,388 |
| Optional Cover | Annual Premium (HK$) | ||
| Building | Sum insured x 0.09% | ||
Collection of Levy on Insurance Premium : Insurance Authority (IA) has announced the collection of levy on insurance premium under the 'Insurance Ordinance' with effect from 1st January 2018. As a result, all premium amounts shown in this webpage are subject to levy. For further information, please visit www.ia.org.hk/en/levy
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
Major Excesses
| Major Excess | Excess Amount (HK$) |
|---|---|
| Household Contents | |
| General items | 500 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Water damage | 1,000 or 5% of adjusted loss, whichever is the greater |
| Personal Liability | |
| Water damage | 3,000 or 10% of adjusted loss, whichever is the greater |
| Building | |
| General item | 250 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
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.
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.
| Benefit | Maximum Benefit Payable Per Year (HK$) | ||
|---|---|---|---|
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
Basic Cover |
300,000 in the aggregate inclusive of all sub-limits under Extra Benefits |
400,000 in the aggregate inclusive of all sub-limits under Extra Benefits |
500,000 in the aggregate inclusive of all sub-limits under Extra Benefits |
| Content Accidental loss of or damage to your contents including furniture, fixtures and fittings, household appliances, personal computer etc |
300,000 | 400,000 | 500,000 |
| Valuable property Includes jewellery, watches, photographic equipment etc |
1/3 of sum insured of Contents ($15,000 per item, set or collection) |
||
| Money, Stamps, coins and medals | 5,000 | ||
| - Money | 1,000 per occurrence | ||
| - Stamps, coins, medals | 1,000 per collection | ||
| Others | 5,000 per item, set or collection | ||
| Household improvements Improvements and betterments on walls, windows, ceiling, floors and doors |
50,000 | ||
Extra Benefits |
|||
| Loss of security deposit If your landlord goes into bankruptcy and fails to repay your security deposit |
10,000 or 50% of the deposit, whichever is the lower | ||
| Alternative accommodation If your home becomes uninhabitable due to insured damages |
50,000 (1,500 per day) | ||
| Fatal accident benefit If you or your family member pass away within three months following injury caused in your home by fire or thieves |
50,000 | ||
| Burglary / robbery harm allowance If you or your family member sustain injury caused by burglars or robbers in your home with four or more consecutive days of sick leave granted by a doctor |
5,000 | ||
| Damaged locks Replacement and installation cost if windows, gate or external door locks are damaged as a result of burglary or attempted theft |
5,000 | ||
| Removal of debris After the damage or destruction to your home |
10,000 | ||
| Household removal For loss of or damage to contents during the course of removal by a professional remover |
100,000 (10,000 per item) | ||
| Temporary storage of contents Loss of or damage to contents during temporary storage in a furniture depository within Hong Kong for up to 30 days |
50,000 | ||
| Personal documents Replacement of personal documents due to accidental loss or damage |
1,000 | ||
| Sports equipment (worldwide cover) Loss of or damage to sports equipment anywhere in the world |
2,500 | ||
| Landslip and subsidence extension Loss of or damage to contents directly caused by landslip or subsidence |
Covered | ||
| Alterations and repairs Accidental loss of or damage to contents while the insured premises is under alteration or repair |
Covered (contract period not exceeding two months and within maximum contract value of 100,000) |
||
| Eco Living Coverage^ Additional cover for each eligible lost or damaged item |
1,000 or 10% of the purchase price of the replacing item, whichever is lower | ||
Personal Liability (Free Cover) |
|||
| Any claim against you and your family members in the event of negligence causing loss of or damage to the contents and fixtures and fittings belonging to your landlord | 3,000,000 per occurrence |
4,000,000 per occurrence |
5,000,000 per occurrence |
| Your legal liability as tenant in respect of causing third party bodily injury or property damage | |||
| Worldwide personal liability (other than as tenant) | |||
| Your legal liability as tenant whilst alteration and repair works are carried out at the insured premises | Covered (contract period not exceeding two months and within maximum contract value of 100,000) |
||
| Your legal liability as pet owner | Covered (cats and dogs only) |
||
24-hour Home Assistance Service (Free Cover) |
|||
| Offers immediate assistance on referral services if you encounter any problems with your home | Referral services | ||
^Provides additional coverage of up to HK$1,000 per eligible Household Appliances item, which has been totally lost or destroyed or cannot be economically repaired, enabling the replacement of Energy Label Product with minimum Grade 2 recognition under the Mandatory Energy Efficiency Labelling Scheme
Eligible Household Appliances means room air conditioners, refrigerators, washing machines, dehumidifiers, televisions, storage type electric water heaters, gas cookers and gas instantaneous water heaters. Energy Label Product means any of the Listed Models of Prescribed Products as defined under the Energy Efficiency (Labelling of Products) Ordinance, Chapter 598 of the Laws of Hong Kong.
Important Notes:
The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
| Gross Floor Area (sq ft) | 800 or below | 801 - 1,000 | 1,001 - 1,200 |
|---|---|---|---|
| Annual Premium (HK$) | 688 | 988 | 1,288 |
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
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.
Major Excesses
| Major Excess | Excess Amount (HK$) |
|---|---|
| Household Contents | |
| General items | 500 |
| Household Removal | 1,000 |
| Landslip and subsidence excess | 10,000 or 10% of adjusted loss, whichever is greater |
| Water damage | 1,000 or 5% of adjusted loss, whichever is the greater |
| Personal Liability | |
| Water damage | 3,000 or 10% of adjusted loss, whichever is the greater |
| Landlord's Home or Contents | 10,000 |
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.
