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HomeSurance Coverage

Optional Cover

HomeSurance Monthly and Annual Premiums

Optional Cover Premiums

Major Exclusions

Home Assistance Services

e-Policy servicing

HomeSurance Coverage

Benefits

Plan A
Maximum amount per claim (HKD)

Plan B
Maximum amount per claim (HKD)

Plan C
Maximum amount per claim (HKD)

1. Household Contents
Accidental loss of/damage to household belongings

400,000
(50,000 per item)

800,000
(100,000 per item)

1,200,000
(150,000 per item)

Accidental loss of/damage to valuables in your home

100,000
(3,000 per item)

200,000
(6,500 per item)

300,000
(10,000 per item)

Extra 50% coverage during Christmas and Chinese New Year for:

Household contents

200,000
(50,000 per item)

400,000
(100,000 per item)

600,000
(150,000 per item)

Valuables

50,000
(3,000 per item)

100,000
(6,500 per item)

150,000
(10,000 per item)

Accidental loss of/damage to household contents when temporarily removed from your home for repair/maintenance within Hong Kong SAR

30,000

65,000

100,000

Accidental loss of/damage to the home during interior decoration/refurbishment period (no longer than two months)

60,000
(3,000 per item)

130,000
(6,500 per item)

200,000
(10,000 per item)

Damage to household contents by professional removers within the Hong Kong SAR

400,000

800,000

1,200,000

Accidental loss of/damage to household contents at new home for 2 months from the beginning of the lease or first time of occupation

60,000

130,000

200,000

Replacement of locks, keys and broken windows due to theft

1,000

2,000

3,000

Frozen food spoilt due to the failure of the deep freeze unit in your home

750

1,500

2,500

Temporary storage of furniture for up to 30 days if your home becomes uninhabitable as a result of loss/damage

30,000

60,000

100,000

Alternative accommodation if your home becomes uninhabitable as a result of loss/damage

15,000

32,000

65,000

Removal of debris when household contents are accidentally damaged/destroyed

3,000

6,500

10,000

2. Worldwide All-Risks Insurance
Accidental loss of/damage to personal belongings that you and your family take with you while travelling anywhere in the world

10,000
(5,000 per item)

20,000
(10,000 per item)

20,000
(10,000 per item)

Theft or robbery involving money

1,500

3,000

3,000

Accidental loss of/damage to newly purchased goods in transit to your home (excluding perishable and fragile goods)

2,500

5,000

5,000

Replacement of lost/damaged personal documents

1,500

3,000

3,000

3. Personal Liability Insurance
Protection against legal liability in the event that the negligence of yourself, your family or your domestic helpers results in accidental injury to a third party or damage to a third party property

4,000,000

8,000,000

10,000,000

4. Green Home Benefit
If the claim relates to replacement of a damaged refrigerator, room cooler, washing machine, dryer or electric water heater which is covered under the policy, we will replace/upgrade the damaged/loss item to a new model of similar specification with energy saving label, provided that the additional cost of such replacement is not more than HK$5,000 per item.

 

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Optional Cover

Benefits Maximum amount per claim(HKD)
1. Supplementary Worldwide All-Risks Insurance  
Increase the maximum limits of Worldwide All-risks Insurance cover under the basic plan 20,000 (same item limit as the selected basic plan)
2. Domestic Helper's Insurance  
Employees' Compensation 100,000,000 per event
In-patient medical expenses 5,000
Cost of repatriation of domestic helper by economy class air fare 5,000
Cost of returning the remains of deceased domestic helper to his/her country 5,000
Accidental loss of/damage to domestic helper's property inside your home 10,000
3. Golfer Insurance  
Accidental loss of/damage to the golf equipment belonging to you or your spouse whilst in transit to or from or at any recognised golf club, course or driving range 30,000
(2,000 per item)
Sub-limit for golf equipment while in use 15,000
Accidental loss of/damage to you or your spouse's personal effects in any recognised golf club, course or driving range 5,000
(1,000 per item)
Food and drink expenses to celebrate if you or your spouse achieve a "Hole in One" whilst playing golf on any recognised golf course 15,000 per year
(3,000 per occurrence)
4. Loss of Rent Insurance Plan A Plan B
Average monthly rent payable or receivable by you under the tenancy agreement preceding accidental loss of/damage to the household contents 30,000
(10,000 per month)
45,000
(15,000 per month)
 

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HomeSurance Monthly and Annual Premiums*

Premium (HKD) Monthly Annual
Gross Floor Area (sq. ft.) Plan A Plan B Plan C Plan A Plan B Plan C
500 or less 87 118 123 1,044 1,416 1,476
501-700 109 147 153 1,308 1,764 1,836
701-1,000 Not applicable 184 195 Not applicable 2,208 2,340
1,001-1,500 Not applicable 244 269 Not applicable 2,928 3,228
1,501-2,000 Not applicable 296 328 Not applicable 3,552 3,936
Over 2,000 Not applicable Please visit any HSBC branch for details Not applicable Please visit any HSBC branch for details
* The above premiums will be effective from 1 January 2009 onwards

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Optional Cover Premiums*

Premium (HKD)

Monthly

Annual

Optional Cover    
1. Supplementary Worldwide All-Risks Insurance
45
540
2. Domestic Helper's Insurance
40 per person
480 per person
3. Golfer Insurance
40
480
4. Loss of Rent Insurance
Plan A
Plan B
Plan A
Plan B
 
83
124
996
1,488
* The above premiums will be effective from 1 January 2009 onwards
Note: The premiums of HomeSurance and Optional Covers are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

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Major Exclusions

  • Loss or damage due to war risks, radioactive contamination or sonic bangs
  • Theft or malicious damage if your home is unoccupied for more than 30 consecutive days
  • Theft in your home if any part is let
  • Loss of or damage to spectacles, contact lenses, mobile phones, pagers, records, tapes and laser discs and the like
  • Theft from any unattended, convertible or open vehicle
  • Properties contained in or on verandas, balconies, patios, terraces, forecourts which are in the open generally
  • Fixtures and fittings except tenants/leasehold/landlord improvements
  • Excess where applicable :
    - Household Contents and Worldwide All Risks Benefits : the first HK$1,000 of each claim for water damage claim. The first HK$300 of each claim for Plan A, and HK$500 of each claim for Plan B and Plan C for non-water damage claim
    - Golfer Insurance : the first HK$500 of each claim (not applicable to "Hole in One" benefit)
    - Loss of Rent Insurance : the first two weeks' rent
    - Domestic Helper's Personal Effects : the first HK$500 of each claim

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Home Assistance Services

Emergency Assistance Hotline provides general claims assistance and the following free referral services to our HomeSurance policyholders:

  • 24-hour locksmith
  • Emergency plumber
  • Emergency electrician
  • Air-conditioning engineer
  • General repairs handyman

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e-Policy servicing


You can now manage your insurance policies with ease using our e-Policy Servicing by simply logging on to HSBC Personal Internet Banking. This service provides you with 24-hour online access to your insurance policy details and allows you to submit policy service requests without hassle. e-Policy Servicing gives you more convenience to:

Review your policy details

  • Allows you to check your policy details
  • Review your claims history

Change premium payment instructions

  • Allows you to change your premium payment account, payment method or payment frequency

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NB: The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.
HomeSurance is underwritten by AXA General Insurance Hong Kong Limited which is authorised and regulated by the Commissioner of Insurance of the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited is an insurance agent authorised by AXA General Insurance Hong Kong Limited.
HomeSurance offered by AXA General Insurance Hong Kong Limited is only available for subscription by residents of Hong Kong SAR applying in Hong Kong SAR.