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 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;
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.

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 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.

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Latest Promotion

FamilySurance Plus 4.0

Tenant Protector

FamilySurance Plus 4.0 with Domestic Servant

Landlord Protector

Latest Promotion

Home Insurance Promotions

Home Insurance Offer
Offer Period：Now to 24 Oct 2019

FamilySurance 4.0 Plus
FamilySurance Plus 4.0 with Domestic Servant
Landlord Protector
Tenant Protector

Apply for any MSIG home insurance plan within the offer period. Enjoy special discounts 30% Off and

MSIG$1 with every $1 premium

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Input「Asiamiles」membership no. to earn miles^#

Special Offer

MSIG is collaborating with HyperAir to bring you peace of mind for your trip! From 14 Aug 2019 to 31 Oct 2019, apply for single / annual travel or any home insurance product online to enjoy 1 free HyperAir travel SIM card HK$15 off promo code*! This offer is exclusively for MSIG policy holders, so what are you waiting for?

How to earn Asia Miles
#Asia Miles promotion cannot be used with other promo-code promotions or MSIG$ promotion at the same time per policy.
*Enclosed in e-policy

Tenant Protector Insurance


	With rent being nearly impossible to afford, if an accident were to damage the landlord’s property There are almost no tenant with the financial capacity to repair the damage.

	The Tenant Protector offers all inclusive protection to all tenants covering damage to the landlord’s property, repair costs, and even deposit lost.
	Get protected for just HK$1.4 per day

Landlord Protector Insurance


	The most frustrating thing for a landlord is to meet a difficult tenant. Whether they refuse to pay rent or damage the property.

	The Landlord Protector protects landlords by offering protection against lost of rent, property damage, and we offer complimentary liability protection.
	For just HK$47 a month, you will be protected from lost of rent up to HK$80,000

FamilySurance Plus 4.0 with Domestic Servant

	If you are looking for an insurance plan that protects all facets of your home look no further. MSIG proudly introduce FamilySurance Plus 4.0 with Domestic Servant, this single plan will protect you from all your worries including your property, your helper, your assets, any liabilities… One plan to protect everything in your household.
	No additional costs apply when the current helper is replaced during the policy period, offering greater flexibility.
	This plan also covers damage to personal items and every person living in the insured household enjoys up to HK$5 million of liability protection.

FamilySurance Plus 4.0

	No one can control the weather and many natural disasters may damage your home and property. Our FamilySurance Plus 4.0 provides comprehensive cover for your home contents from typhoons, floods, landslides, sinkholes, break ins… To ensure that your property is safe in any situation.
	The plan also covers any damage or loss of personal property while moving or in the office, and we offer complimentary liability protection up to HK$5 million.

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

Promotion terms and conditions

FamilySurance Plus 4.0

Product Features
Benefits Table
Premium
Major Exclusions

Key Features:

All Risks home contents protection up to HK$100,000 for each item, set or collection with a maximum benefit of HK$1,000,000 per year
Cover specified valuable properties up to HK$15,000 per item, set or collection with an aggregate limit of 1/3 of the household contents sum insured per year
Tenant's Liability against loss of or damage to landlord's properties up to 10% of the household contents sum insured
Occupier's liability and personal liability cover you and your family against any legal liability to a third party injury or property damage up to HK$5,000,000
Owner's liability in common area cover up to HK$1,000,000

Other Benefits:

Cover loss of money at home up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, an aggregate limit of HK$5,000 per year
Accidental loss or theft of personal money or personal effects on business trip outside Hong Kong up to HK$2,500
Loss of personal effects kept in your office outside home up to HK$2,500
Pay for alternative accommodation expense or loss of rent up to HK$50,000 if your home is uninhabitable due to accidental damage
Cover accidental loss of or damage to the personal belongings of domestic servant up to HK$5,000
24 hours Home Emergency Assistance Service
Optional Building covers at your choice

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.

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
The maximum cover for Valuables		1/3 of the section limit chosen $15,000 per item
Money		$5,000 $1,000 per loss
Extra Benefits
a.	Household removal - for loss of or damage to Household Contents during the course of removal by a professional remover	$100,000
b.	Alternative accommodation/ Loss of rent - should your home becomes uninhabitable due to insured damages	$50,000
c.	Temporary removal of Household Contents - for repairing or cleaning	$50,000
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
e.	Burglary harm allowance - if you or your spouse sustains injury caused by burglars in your home	$5,000
f.	Loss of personal effects in office	$2,500
g.	Loss of personal effects/ money on business trips	$2,500
h.	Domestic servant's property	$5,000
i.	General holidays increment - for loss of money in burglary happened during public holidays	$2,000 per incident
j.	Damaged locks - for replacement cost due to burglary	$2,500
k.	Frozen food - if food in freezer rots due to freezer failure	$5,000
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
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
and it extends to - Contingent contractor's liability - Owner's liability in common area		$1,000,000
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
Alternative accommodation (should your home becomes uninhabitable due to insured damages)		$50,000
Removal of debris (after the damage or destruction to your building)		$10,000

Important Notes:

The premises or building to be insured must be less than 40 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 to be insured must be Your Family’s and your principal place of residence located in Hong Kong SAR and is not a village house or the likes.
You and Your Family must comply with all statutory obligations and take reasonable steps to prevent loss or damage; to maintain any insured property in good condition and sound repair; 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. .
Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by You within the insured premises are covered under the Building Section.
If You would like to insure any Valuable Property exceeding HK$15,000, You should provide relevant invoice to prove its value at the time of application.
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 (sq ft)	Annual Premium (HK$)
Gross Floor Area (sq ft)	Plan A	Plan B
Up to 500	1,030	790
501 - 700	1,430	1,090
701 - 1,000	1,820	1,390
1,001 - 1,500	2,430	1,860
1,501 - 2,000	2,860	2,190
Over 2,000	Please refer to MSIG or your insurance advisor
Worldwide Personal Liability	Free
24-Hour Home Emergency Assistance	Free
Building	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

For all Sections:

Sub-divided home or sub-let premises
Insured premises that is situated in a building where sub-divided flats are known to exist
Insured premises that is used for business purpose or as a holiday home
Unoccupied premises for more than 30 consecutive days
Illegal structure exists in the insured premises

For Household Contents Section:

Contents on roof or in open area
Mobile / portable radio telecommunication equipment e.g. mobile/ portable telephones and pagers
Any loss or damage caused by:

Domestic animals which you own or are in your custody or control
Inherent fault or defective workmanship, defective material or design
Mysterious disappearance or unexplained loss
Mechanical breakdown and/ or malfunction of electrical appliances and computer equipment
Wear and tear
Sonic bangs

Motor vehicles
Livestock, pets and animals
Any items that fall under the definition of “Building” as described below:

The structural part of your Home including but not limited to fabric walls and the wall paint, flooring, doors with frames, windows with frames
Permanent fixtures and fittings including but not limited to skirting, water pipes, electric cables/wiring, fixed glass, sanitary fixtures, fixed or permanently installed on the structural parts of your Home
Outbuildings at your Home used for domestic purposes
Swimming pools, tennis hard courts, garden walls, patios, terraces, hedges, fences, gates, paths and drives, that are forming part of your Home (but not retaining walls, foundations and drains)

Major Excesses

Household Contents	Excess Amount (HK$)
General items	250
Household removal excess	1,000
Landslip and subsidence excess	10,000 or 10% (whichever is greater)
Personal Liability	Excess Amount (HK$)
Water damage excess	3,000

Tenant Protector

Product Features
Benefits Table
Premium
Major Exclusions

Cover up to HK$5,000,000 for loss of or damage to the landlord’s contents, fixture and fittings for which you are legally liable as a tenant
Your own contents protection up to HK$500,000
Expense for alternative accommodation or rental payment if your home becomes uninhabitable due to insured damages, compensation up to HK$50,000
Security deposit protection for the amount you have paid to the landlord who goes into bankruptcy, cover up to HK$10,000 or 50% of the deposit
Worldwide sports equipment cover up to HK$2,500

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)
-	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
-	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	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)
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	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)
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	Covered (contract period not exceeding two months and within maximum contract value of 100,000)
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

Important Notes:

The premises or building to be insured must be less than 40 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 is not a sub-divided home or sub-let property and is not a village house or the likes.
The premises to be insured must not be situated on ground floor.
An enforceable Tenancy Agreement shall be effective on/before the Policy Commencement 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; to maintain any insured property in good condition and sound repair; 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.
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

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.

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			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

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

Major Exclusion

Sub-divided home or sub-let premises
Insured premises that is situated in a building where sub-divided flats are known to exist
Insured premises that is used for business purpose or as a weekend/ holiday home
Unoccupied or unfurnished premises
Illegal structure exists in the insured premises

Major Excesses

Household Contents	Excess Amount (HK$)
General items	500
Household Removal	1,000
Landslip and subsidence	10,000 or 10% of adjusted loss, whichever is greater
Water damage	1,000 or 5% of adjusted loss, whichever is the greater
Personal Liability	Excess Amount (HK$)
Water damage	3,000 or 10% of adjusted loss, whichever is the greater
Landlord's Home or Contents	10,000

FamilySurance Plus 4.0 with Domestic Servant

Product Features
Benefits Table
Premium
Major Exclusions

Key Features:

All Risks home contents protection up to HK$100,000 per item, set or collection with a maximum benefit of HK$1,000,000 per year
Cover valuable properties up to HK$15,000 per item, set or collection with an aggregate limit of 1/3 of the household contents sum insured per year
Tenant's liability cover loss of or damage to landlord's properties up to 10% of the household contents sum insured
Occupier's liability and personal liability cover you and your family against any legal liability to third party in respect of accidental injury or property damage up to HK$5,000,000
Owner's liability in common area cover up to HK$1,000,000

Domestic Servant Benefits:

Covers your legal obligation as an employer for your domestic servant
Comprehensive medical and related expenses cover including surgical and hospitalization expenses, clinical and dental expenses with no excess
Cash allowance if your domestic servant is confined in a hospital for more than 1 day as an in-patient for sickness or surgery causing loss or interruption of service

Other Benefits:

Cover loss of money at home up to HK$1,000 per loss or up to HK$2,000 per loss during general holidays, an aggregate limit of HK$5,000 per year
Accidental loss or theft of personal money or personal effects on business trip outside Hong Kong up to HK$2,500
Loss of personal effects kept in your office up to HK$2,500
Cover alternative accommodation expense or loss of rent up to HK$50,000 if your home is uninhabitable due to accidental damage
Cover accidental loss of or damage to the personal belongings of domestic servant up to HK$5,000
24 hours Home Emergency Assistance Service
Optional Building covers

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.

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
Valuables Property at home (such as jewellery, watches, photographic equipment etc.)		1/3 of the Household Contents Sum Insured 15,000 per item
Money at home (such as cash, cheques, travel ticket etc.)		5,000 (1,000 per loss)
Extra Benefits
a.	Household Removal - cover loss or damage to Household Contents during home removal by a professional remover	100,000
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
c.	Temporary Removal - cover loss or damage to Household Contents that are temporarily removed for repair or cleaning	50,000
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
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
f.	Loss of personal effects in your office	2,500
g.	Loss of personal effects/money on business trips	2,500
h.	Loss or damage to domestic servant's property	5,000
i.	General Holidays Increment - cover loss of money at home when burglary happened during public holidays	2,000 per incident
j.	Lock - cover the cost of repair of broken doors, locks and windows due to burglary	2,500
k.	Frozen Food - cover the cost of deterioration of frozen food due to freezer failure	5,000
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
Domestic Servant (Cover B)
a.	Employees’ Compensation Cover - Your liability as an employer under the law	100,000,000
b.	Clinical Expenses - Out-patient medical treatment received from registered medical practitioner in the event of bodily injury or sickness Bonesetter treatment HK$100 per visit per day and up to HK$500 per year	3,000 (150 per visit per day)
c.	Surgical and Hospitalisation Expenses - Hospital confinement for surgery or treatment of bodily injury or sickness HK$300 per day for room and board, and other miscellaneous hospital services; HK$10,000 per surgical operation	30,000
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)
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
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
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
i.	Fidelity Guarantee Cover - Pecuniary loss caused by fraud or dishonesty committed by your domestic servant HK$3,000 for unauthorised telephone calls per year	10,000
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
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
and it extends to Contingent contractor's liability Owner's liability in common area		1,000,000
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
Alternative Accommodation - cover the cost of temporary accommodation if your home becomes uninhabitable due to insured damages		50,000
Removal of Debris - cover the cost of Removal of Debris following accidental damage to your building		10,000

Important Notes:

The premises or building to be insured must be less than 40 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 is not a sub-divided home or sub-let premises and is not a village house or the likes.
The premises to be insured must not be situated on ground floor.
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; to maintain any insured property in good condition and sound repair; 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.
If You would like to insure any Valuable Property exceeding HK$15,000, You should provide relevant invoice to prove its value at the time of application.
This plan is only applicable for the foreign domestic servant 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 Servant, and it shall be effective on/before the Policy Effective Date.
The insured Domestic Servant must hold a valid employment visa issued by Hong Kong Immigration Department in connection with the employment between You and the insured Domestic Servant for the full time domestic duties as specified in the standard Employment Contract.
The insured Domestic Servant 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 FamilySurance Plus 4.0.
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 Servant.
The premium has included the Employees' Compensation Insurance Levy.
Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by You within the insured premises are covered under the Building Section.
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).
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

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$)
Gross Floor Area (sq.ft.)	FamilySurance Plus 4.0 Plan A with Domestic Servant Cover B	FamilySurance Plus 4.0 Plan B with Domestic Servant Cover B
Up to 500	1,780	1,540
501 - 700	2,180	1,840
701 - 1,000	2,570	2,140
1,001 - 1,500	3,180	2,610
1,501 - 2,000	3,610	2,940
Over 2,000	Please call our Customer Services Hotline
Worldwide 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

For all Sections:

Sub-divided home or sub-let premises
Insured premises that is situated in a building where sub-divided flats are known to exist
Insured premises that is used for business purpose or as a holiday home
Insured premises is unoccupied for more than 30 consecutive days
Illegal structure exists in the insured premises

For Household Contents Section:

Contents on roof or in open area
Mobile / portable radio telecommunication equipment e.g. mobile/ portable telephones and pagers
Any loss or damage caused by:

Domestic animals which you own or are in your custody or control
Inherent fault or defective workmanship, defective material or design
Mysterious disappearance or unexplained loss
Mechanical breakdown and/ or malfunction of electrical appliances and computer equipment
Wear and tear
Sonic bangs

Motor vehicles
Livestock, pets and animals
Any items that fall under the definition of “Building” as described below:

The structural part of your Home including but not limited to fabric walls and the wall paint, flooring, doors with frames, windows with frames
Permanent fixtures and fittings including but not limited to skirting, water pipes, electric cables/wiring, fixed glass, sanitary fixtures, fixed or permanently installed on the structural parts of your Home
Outbuildings at your Home used for domestic purposes
Swimming pools, tennis hard courts, garden walls, patios, terraces, hedges, fences, gates, paths and drives, that are forming part of your Home (but not retaining walls, foundations and drains)

For Domestic Servant Section:

pre-existing ailments
rest-cure or physical check-up
nervous or mental disease or disorder, venereal disease, congenital anomalies and deformities, infertility, sterilization, heart disease or cancer
any routine examination, scaling, polishing or cleaning and crowning, cost of any bridges, braces and dentuires
vaccinations, immunisation, injections or preventive medication
Repatriation or transportation of mortal remains originating outside Hong Kong (applicable to Domestic Servant Cover B - Item 7 Repatriation Expenses and Item 8 Replacement Helper Expenses)
Bodily Injury occurring outside the rest days (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)
Bodily Injury sustained outside Hong Kong (applicable to Domestic Servant Cover B - Item 6 Personal Accident Benefits)

Major Excesses

Household Contents	Excess Amount (HK$)
General items	250
Household removal benefit	1,000
Landslip and subsidence	10,000 or 10% (whichever is greater)
Personal Liability	Excess Amount (HK$)
Water damage	3,000
Building (optional cover)	Excess Amount (HK$)
General items	250
Water damage	1,000 or 10% (whichever is greater)
Landslip and subsidence	10,000 or 10% (whichever is greater)

Landlord Protector

Product Features
Benefits Table
Premium
Major Exclusions

Loss of rent cover up to HK$80,000 or 3-month rental income
Property owner's liability protection up to HK$8,000,000
Rental property protection including fixtures and fittings, furniture and household appliances up to HK$400,000
Temporary removal of contents for loss of or damage to contents whilst temporarily removed for cleaning, renovation or repair up to HK$50,000
Optional Building cover

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	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
-	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 – improvements and betterments on walls, windows, ceiling, floors and doors	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	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	Covered (contract period not exceeding two months and within maximum contract value of 100,000)
1.2 Loss of Rent (Basic Cover)		80,000 or total rent of maximum three months, whichever is the lower
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
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	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)
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

Important Notes:

The premises or building to be insured must be less than 40 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 is not a sub-divided home or sub-let property and is not a village house or the likes.
The premises to be insured must not be situated on ground floor.
An enforceable Tenancy Agreement shall be effective on/before the Policy Commencement 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; to maintain any insured property in good condition and sound repair; 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.
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

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.

Applicable for Optional Cover (Building Section)

Walls, flooring, doors with frames, windows with frames and the ceiling and their improvements and betterments made by You within the insured premises are covered under the Building Section.
The sum insured for the 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).

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

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 Exclusion

Sub-divided home or sub-let premises
Insured premises that is situated in a building where sub-divided flats are known to exist
Insured premises that is used for business purpose or as a weekend/ holiday home
Unoccupied or unfurnished premises
Illegal structure exists in the insured premises

Major Excesses

Household Contents	Excess Amount (HK$)
General items	500
Landslip and subsidence	10,000 or 10% of adjusted loss, whichever is greater
Water damage	1,000 or 5% of adjusted loss, whichever is the greater
Personal Liability	Excess Amount (HK$)
Water damage	3,000 or 10% of adjusted loss, whichever is the greater
Building (Option Cover)	Excess Amount (HK$)
General item	250
Landslip and subsidence	10,000 or 10% of adjusted loss, whichever is the greater