Relax and Enjoy Your Time at Home
While enjoying yourselves at home, you may have neglected to arrange adequate protection for your household belongings. Now, ICBC (Asia) is offering a Family Protection Plan (this "Plan") with AXA, the world's largest insurance group, to provide you and your family with a simple and comprehensive coverage for your household contents, personal belongings and legal liability worldwide, at a competitive price.
All Risks on Contents at Home
This Plan protects your household belongings on All Risks basis. Cover includes fire, theft, typhoon, flood, water damage and landslide, as well as other types of accidental damage. This Plan will provide you with an adequate home contents sum insured up to a maximum HK$1,000,000 within a policy year. The amount of premium payable is based on the gross floor area of your home. Excess for each and every loss is HK$250.
Key Features
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Household Contents and Personal Effects
Your household contents including furniture, fixtures, fittings and domestic appliances up to HK$150,000 for each article.
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Valuables
At home, your valuables such as jewellery and watches are covered up to HK$10,000 for each item, up to a maximum limit of HK$150,000 within a policy year.
- Plus free additional benefits
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Temporary Removal
This covers up to HK$50,000 within a policy year for contents temporarily removed from your home for cleaning, repairing or maintenance.
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Alternative Accommodation
Reimburse up to HK$50,000, maximum HK$1,500 per day within a policy year for alternative accommodation should your home becomes uninhabitable due to an insured accident.
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Personal Accident
Free cover for accidental death as a result of fire, or robbery at home, up to a limit of HK$50,000 for each family member and subject to a maximum limit of HK$100,000 within a policy year.
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Locks Replacement
This reimburses the cost of replacing locks, keys and broken windows due to theft or burglary, up to a limit of HK$2,500 per policy year.
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Frozen Food
This covers accidental damage to frozen food, up to HK$5,000 per policy year.
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Household Removal
Cover for your home contents for damage or loss whilst moving between your current home and your new home within Hong Kong and whilst in temporary storage by professional removers, up to a maximum limit of HK$50,000 per policy year.
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Money
Cover money lost at home due to accidental loss or theft, up to a maximum of HK$2,500 within a policy year.
N.B.: For rented homes, the insurance cover will be limited to loss caused by fire, extra perils and burglary.
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Worldwide Personal Liability
This Plan provides protection for you and your family members (residing with you) against legal liability up to HK$5,000,000 per policy year should you be required to compensate a third party suffering from injury or persons incurring loss or damage of their property as a result of an accident at your home, or as a result of your negligence worldwide.
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Worldwide Personal Belongings (Optional Cover)
This Plan protects your personal belongings and valuables against almost all types of loss or damage while you are anywhere in the world, up to a limit of HK$5,000 per article for unspecified valuables. The minimum sum insured for this section is HK$10,000. Excess for each and every loss is HK$250.
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Optional Cover Provides Free Additional Benefits
Loss of money up to a maximum of HK$2,500 per policy year.
Unauthorised use of credit card up to a maximum of HK$10,000 per policy year.
Expenses of applying for replacement of credit cards, passports or other personal documents which are lost or damage up to a maximum of HK$2,500 per policy year.
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Premium Table (in HK$)
Gross Floor Area of Your Home(in square feet) |
Annual Premium |
| Less than 501 |
$500 |
| 501-800 |
$700 |
| 801-1,200 |
$950 |
| 1,201-1,600 |
$1,300 |
| 1,601-2,000 |
$1,650 |
| 2,001-2,50057% |
$2,000 |
| Personal Liability |
Free |
Worldwide All Risks Cover for Personal Belongings (optional) |
1.25% of Sum Insured |
N.B.: Please refer to the policy for complete details. A specimen policy can be made available upon request.
How to find out more
| The information contained in this web-site is designed to serve as introduction only. For all relevant clauses and details, you should refer to the insurance contract. |
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