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| Home Insurance Offer Offer Period：Now to 26 Dec 2019 |
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Apply for any MSIG home insurance plan within the offer period. Enjoy special discounts 30% Off and Login to earn MSIG$1 with every $1 premium - Or - Join our Year-End Game Contest by applying any insurance product |
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[Offer Extended] Exclusive Travel SIM Card Offer MSIG is collaborating with HyperAir to bring you peace of mind for your trip! From 14 Aug 2019 to 31 Dec 2019, apply for single / annual travel or any home insurance product online to get 1 free HyperAir travel SIM card HK$15 off promo code in your e-policy*! Freely enjoy data roaming in Japan for as low as $10 per day! This offer is exclusively for MSIG policy holders, so what are you waiting for? |
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| Simple Application | ||
 Cost effective Reasonable pricing with no agency commission charge. Become a member, earn MSIG$ and get Rewards |
 Convenient Real-time quote and application on mobile app or desktop, get insured in 3 minutes |
 Flexible Optional benefits including extra protection to your sports equipment, upgrade in rental vehicle excess, and accommodation to your pet |
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| Promotion terms and conditions |
| Coverage | Maximum Benefits Payable (HK$) | |
| Household Contents (Basics) | ||
| Household Content (any unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft) |
Plan A - $1,000,000
Plan B - $750,000 $100,000 per item, set or collection |
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| The maximum cover for Valuables |
1/3 of the section limit chosen
$15,000 per item |
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| Money |
$5,000
$1,000 per loss |
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| Extra Benefits | ||
| a. | Household removal - for loss of or damage to Household Contents during the course of removal by a professional remover |
$100,000
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| b. | Alternative accommodation/ Loss of rent - should your home becomes uninhabitable due to insured damages |
$50,000
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| c. | Temporary removal of Household Contents - for repairing or cleaning |
$50,000
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| d. | Fatal accident - should you or your spouse pass away within 3 months from injury caused by fire or burglars in your home |
$50,000
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| e. | Burglary harm allowance - if you or your spouse sustains injury caused by burglars in your home |
$5,000
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| f. | Loss of personal effects in office |
$2,500
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| g. | Loss of personal effects/ money on business trips |
$2,500
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| h. | Domestic servant's property |
$5,000
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| i. | General holidays increment - for loss of money in burglary happened during public holidays |
$2,000 per incident
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| j. | Damaged locks - for replacement cost due to burglary |
$2,500
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| k. | Frozen food - if food in freezer rots due to freezer failure |
$5,000
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| l. | Home quarantine allowance - if being confined at home involuntarily in quarantine as declared by the local authority |
$5,000
$500 x 10 days |
| m. | Tenant's liability - for loss of or damage to landlord's property |
10% of the section limit
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| Personal Liability (Free) | ||
| Any claim against you or your family members in the event of your negligence causing third party injury or property damage, |
$5,000,000
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| and it extends to - Contingent contractor's liability - Owner's liability in common area |
$1,000,000
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| 24-Hour Home Emergency Assistance (Free) | ||
| Building (Optional) | ||
| Building (for the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement) |
Sum Insured
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| Alternative accommodation (should your home becomes uninhabitable due to insured damages) |
$50,000
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| Removal of debris (after the damage or destruction to your building) |
$10,000
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| Gross Floor Area (sq ft) | ||
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| Up to 500 |
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| 501 - 700 |
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| 701 - 1,000 |
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| 1,001 - 1,500 |
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| 1,501 - 2,000 |
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| Over 2,000 |
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| Worldwide Personal Liability |
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| 24-Hour Home Emergency Assistance |
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| Building |
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| General items |
250
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| Household removal excess |
1,000
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| Landslip and subsidence excess |
10,000 or 10% (whichever is greater)
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| Water damage excess |
3,000
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| Coverage | Maximum Benefit Payable Per Year (HK$) | ||||
| Gross Floor Area | 800 sq.ft. or below | 801 - 1,000 sq.ft. | 1,001 - 1,200 sq.ft. | ||
| 1. Contents (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 | ||
| - | Accidental loss of or damage to your contents including furniture, fixtures and fittings, household appliances, personal computer etc | 300,000 (50,000 per item, set or collection) |
400,000 (50,000 per item, set or collection) |
500,000 (50,000 per item, set or collection) |
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| - | Valuable property e.g. Jewellery, watches, photographic equipment etc | 1/3 of the Sum Insured (15,000 per item, set or collection) | |||
| - | Money, Stamps, coins and medals i) Money ii) Stamps, coins, medals |
5,000 1,000 per occurrence 1,000 per collection |
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| - | Others | 5,000 per item, set or collection | |||
| - | Household improvements – improvements and betterments on walls, windows, ceiling, floors and doors | 50,000 | |||
| Extra Benefits | |||||
| a. | 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 | |||
| b. | Alternative accommodation - if your home becomes uninhabitable due to insured damages | 50,000 (1,500 per day) | |||
| c. | 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 | |||
| d. |
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
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5,000 | |||
| e. | 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 | |||
| f. | Removal of debris | 10,000 | |||
| g. | Household removal – for loss of or damage to contents during the course of removal by a professional remover | 100,000 (10,000 per item) |
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| h. |
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
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50,000 | |||
| i. | Replacement of personal documents due to accidental loss or damage | 1,000 | |||
| j. | Sports equipment (worldwide cover) | 2,500 | |||
| k. | Landslip and subsidence extension – loss of or damage to contents directly caused by landslip or subsidence | Covered | |||
| l. | 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) |
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| 2. Personal Liability (Free Cover) | |||||
| a. | 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 | |
| b. | Your legal liability as tenant in respect of causing third party bodily injury or property damage | ||||
| c. | Worldwide personal liability (other than as tenant) | ||||
| d. |
Your legal liability as tenant whilst alteration and repair works are carried out at the insured premises
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Covered (contract period not exceeding two months and within maximum contract value of 100,000) |
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| e. | 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 | |||
Remarks: For the above item 4 & 5, if the to be insured premises is situated on ground floor or a village house or the likes, please contact us for separate underwriting / conditions.
| Gross Floor Area | 800 sq.ft. or below | 801 - 1,000 sq.ft. | 1,001 - 1,200 sq.ft. | ||
| Annual Premium | HK$688 | HK$988 | HK$1,288 | ||
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| General items |
500
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| Household Removal |
1,000
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| Landslip and subsidence |
10,000 or 10% of adjusted loss,
whichever is greater |
| Water damage |
1,000 or 5% of adjusted loss,
whichever is the greater |
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| Water damage |
3,000 or 10% of adjusted loss,
whichever is the greater |
| Landlord's Home or Contents |
10,000
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| Coverage | Maximum Benefits Payable (HK$) | |
| Household Contents (Basics) | ||
| Household Content (any unforeseen sudden accidental physical loss or damage such as by fire, typhoon, gas explosion, flooding, landslip and subsidence or theft) |
Plan A - 1,000,000
Plan B - 750,000 $100,000 per item, set or collection |
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Valuables Property at home (such as jewellery, watches, photographic equipment etc.) |
1/3 of the Household Contents Sum Insured
15,000 per item |
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Money at home (such as cash, cheques, travel ticket etc.) |
5,000
(1,000 per loss) |
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| Extra Benefits | ||
| a. | Household Removal - cover loss or damage to Household Contents during home removal by a professional remover |
100,000
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| b. | Alternative Accommodation / Loss of Rent - cover the cost of temporary accommodation / loss of rent if your home become uninhabitable due to insured damages |
50,000
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| c. | Temporary Removal - cover loss or damage to Household Contents that are temporarily removed for repair or cleaning |
50,000
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| d. | Fatal Accident Benefit - if you or your spouse pass away within 3 months from injury caused by fire or burglars in your home |
50,000
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| e. | Burglary Harm Allowance - if you or your spouse sustains injury caused by burglars in your home provided that the injury results in granting of sick leave of not less than 4 consecutive days |
5,000
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| f. | Loss of personal effects in your office |
2,500
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| g. | Loss of personal effects/money on business trips |
2,500
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| h. | Loss or damage to domestic servant's property |
5,000
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| i. | General Holidays Increment - cover loss of money at home when burglary happened during public holidays |
2,000 per incident
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| j. | Lock - cover the cost of repair of broken doors, locks and windows due to burglary |
2,500
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| k. | Frozen Food - cover the cost of deterioration of frozen food due to freezer failure |
5,000
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| l. | Home Quarantine Allowance - if being confined at home involuntarily in quarantine as declared by the local authority |
5,000
(500 per day) |
| m. | Tenant's Liability - cover loss or damage to landlord's property due to insured damages |
10% of the Household Contents Sum Insured
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| Domestic Servant (Cover B) | ||
| a. | Employees’ Compensation Cover - Your liability as an employer under the law |
100,000,000
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| b. | Clinical Expenses - Out-patient medical treatment received from registered medical practitioner in the event of bodily injury or sickness
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3,000
(150 per visit per day) |
| c. | Surgical and Hospitalisation Expenses - Hospital confinement for surgery or treatment of bodily injury or sickness
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30,000
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| d. | Service Interruption Cover - Loss of service resulting from the confinement of domestic servant in a hospital at least one day for surgery or treatment of bodily injury or sickness |
6,000
(200 per day) |
| e. | Dental Expenses - Dental treatment including oral surgery, treatment of abscesses, X-rays, extractions or fillings as a result of dental disease |
1,500
(Two-thirds of actual
expenses per claim)
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| f. | Personal Accident Benefit - Accidental bodily injury resulting in death or permanent disablement during his/her rest days within 12 months from the date of accident |
100,000
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| g. | Repatriation Expenses - Repatriation of your domestic servant who is certified by registered medical practitioner as medically unfit to complete the contract in the event of serious sickness or bodily injury, or the repatriation of his/her mortal remains to the country of residence in the event of death |
20,000
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| h. | Replacement Helper Expenses - a reasonable and necessary expenses actually incurred for employing a new domestic servant in the event that the insured repatriates the existing domestic servant due to serious illness, bodily injury or death |
3,000
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| i. | Fidelity Guarantee Cover - Pecuniary loss caused by fraud or dishonesty committed by your domestic servant
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10,000
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| j. | Replacement and Installation Cost of Main Door or Metal Gate Lock - Cost of main door lock or metal gate lock following the termination of employment contract with the domestic servant due to discovery of any act of infidelity or repatriation of the domestic servant (Replacement & installation must be undertaken within 7 days after the termination of employment contract.) |
500
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| Personal Liability (Free) | ||
| Any claim against you or your family members in the event of your negligence causing third party injury or property damage, |
5,000,000
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and it extends to
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1,000,000
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| 24-Hour Home Emergency Assistance (Free) | ||
| Building (Optional) | ||
| Building - for the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvement |
Sum Insured
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| Alternative Accommodation - cover the cost of temporary accommodation if your home becomes uninhabitable due to insured damages |
50,000
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| Removal of Debris - cover the cost of Removal of Debris following accidental damage to your building |
10,000
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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.) | ||
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| Up to 500 |
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| 501 - 700 |
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| 701 - 1,000 |
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| 1,001 - 1,500 |
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| 1,501 - 2,000 |
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| Over 2,000 |
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| Worldwide Personal Liability |
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| 24-Hour Home Emergency Assistance |
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| Building |
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| General items |
250
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| Household removal benefit |
1,000
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| Landslip and subsidence |
10,000 or 10% (whichever is greater)
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| Water damage |
3,000
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| General items |
250
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| Water damage |
1,000 or 10% (whichever is greater)
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| Landslip and subsidence |
10,000 or 10% (whichever is greater)
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| Coverage | Maximum Benefit Payable Per Year (HK$) | ||||
| Gross Floor Area | 800 sq.ft. or below | 801 - 1,000 sq.ft. | 1,001 - 1,200 sq.ft. | ||
| 1. Contents and Loss of Rent | |||||
| 1.1 Contents (Basic Cover) |
200,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
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300,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
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400,000 in the aggregate, inclusive of all sub-limits under Extra Benefits
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| - | 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) |
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| - |
Household improvements – improvements and betterments on walls,
windows, ceiling, floors and doors
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50,000 | |||
| Extra Benefits | |||||
| a. |
Damaged locks - replacement and installation costs if windows, gate or
external door locks and keys are damaged due to burglary or attempted theft
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5,000 | |||
| b. | Removal of debris | 10,000 | |||
| c. | Temporary removal of contents - loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair within Hong Kong | 50,000 | |||
| d. | Landslip and subsidence extension – loss of or damage to contents directly caused by landslip or subsidence | Covered | |||
| e. |
Alterations and repairs – accidental loss of or damage to contents while
the insured premises is under alteration or repair
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Covered
(contract period not exceeding two months and within maximum contract value of 100,000) |
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| 1.2 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: | |||||
| a. | If your premises is uninhabitable due to accidental loss of or damage to contents as insured | Covered | |||
| b. |
If access to your premises is prevented by damage to other premises in
the vicinity
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| c. | If your tenant dies as a result of murder or suicide and no one is paying the rent | ||||
| d. |
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
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20,000 | |||
| 2. 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) |
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| 3. 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 | |||
Remarks: For the above item 4 & 5, if the to be insured premises is situated on ground floor or a village house or the likes, please contact us for separate underwriting / conditions.
| Gross Floor Area | 800 sq.ft. or below | 801 - 1,000 sq.ft. | 1,001 - 1,200 sq.ft. | ||
| Annual Premium | HK$798 | HK$1,088 | HK$1,388 | ||
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.
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| General items |
500
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| Landslip and subsidence |
10,000 or 10% of adjusted loss,
whichever is greater |
| Water damage |
1,000 or 5% of adjusted loss,
whichever is the greater |
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| Water damage |
3,000 or 10% of adjusted loss,
whichever is the greater |
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| General item |
250
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| Landslip and subsidence |
10,000 or 10% of adjusted loss,
whichever is the greater |
