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    Home Care Plus Home Insurance Plan

    The above general insurance plan is underwritten by Chubb Insurance Hong Kong Limited ("Chubb").

    Plan overview

    Home Care Plus Home Insurance Plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited. This Plan offers multiple coverage for household contents against unexpected accidents and loss. This Plan covers valuable and fragile items and provide content protection during removal and new home, up to HKD 1 million.

    This Plan newly includes special benefits such as purchase protection and buyer protection to provide additional coverage for your purchases and transactions. We also offer flexible options such as coverage for Developer's Fixtures and Fittings to suit your unique needs and budget.

    With a valid Travelsure Protection Plan policy underwritten by Chubb, your personal belongings taken on your journey gets a free upgrade with double indemnity.

    Apply now

    Key features

    It provides up to HKD1,000,000 coverage for household contents damage and losses of personal valuables (e.g. jewellery and watches) caused by accident such as typhoon, flooding and accidental water pipe burst.

    Personal Effects and Valuables outside Premises covers against personal belongings damages and losses of up to HKD30,000 per year.

    “Home and Away Cover”: If you also hold a valid policy of the Travelsure Protection Plan underwritten by Chubb, the maximum benefit of Worldwide All-Risks Cover for Personal Belongings under the Plan will even be doubled as a free upgrade during the insured journey.

    Offers up to HKD10,000,000 coverage for the insured and any family members who need to be held legally liable or compensated for negligent bodily injury or property damage to a third party.

    To meet your needs, by paying extra premium, it provides an all risk coverage for accidental damage to Developer’s Fixtures and Fittings up to HKD300,000.

    Coverage overview

    Benefit schedule Max limit per policy year (HKD)
      Standard plan Premium plan

    Contents cover

    • Excess Water Damage[1]: 800
    • Excess – others : 500
    		 500,000 per year 1,000,000 per year
    Contents 50,000 per item 100,000 per item
    Valuables

    20,000 per item 150,000 per year

    30,000 per item 300,000 per year
    Brittle items 10,000 per year 10,000 per year
    Additional benefits
    Alternative accommodation 25,000 per occurrence (per day: 1,000) 50,000 per occurrence (per day: 2,000)

    Loss of rent

    • Excess – first 14 consecutive calendar days
    		 25,000 per occurrence (per day: 1,000) 50,000 per occurrence (per day: 2,000)

    Contents during removal (per item limit: 10,000)

    • Excess: 1,000
    		 500,000 per occurrence 1,000,000 per occurrence

    Personal effects and valuables outside premises (per item: 5,000)

    • Excess: 500
    		 15,000 per occurrence 30,000 per occurrence
    Personal money loss by theft or burglary at premises 2,000 per occurrence 3,000 per occurrence
    Replacement of windows, door locks and key 2,000 per occurrence 3,000 per occurrence
    Loss of personal documents at premises due to theft or burglary at premises 3,000 per occurrence 3,000 per occurrence
    Unauthorised use of credit cards due to theft or burglary at premises 5,000 per occurrence 5,000 per occurrence
    Frozen food 1,500 per year 2,500 per year
    Credit card specific fraudulent usage protection (per credit card: 1,000) 5,000 per year 5,000 per year
    Loss of personal documents outside premises 1,500 per year 1,500 per year

    Contents stored outside premises

    • Excess: 500
    		 50,000 per occurrence 100,000 per occurrence

    New home protection

    • Excess - water damage : 800
    • Excess - others: 500
    		 500,000 per occurrence 1,000,000 per occurrence
    Contents in transit to and from storage facility

    75,000 per occurrence

    150,000 per occurrence
    Removal of debris

    10,000 per occurrence

    10,000 per occurrence
    Pets - accidental death or theft 7,500 per pet 7,500 per pet

    New purchase contents in transit

    • Excess: 500

    5,000 per occurrence

    		 5,000 per occurrence

    Purchase protection & buyer’s protection

    • Excess: 10% or 250 (whichever is higher)
    		 2,500 per year 5,000 per year
    Personal liability cover 10,000,000 per occurrence /per year

    10,000,000 per occurrence

    /per year
    Additional extension

    Renovation,  decorations, repair and alteration works extension

    • Excess- water damage excess[1]: 800
    • Excess- other : 500

    500,000 per year 10,000 per item

    1,000,000 per year 10,000 per item

    Home and away cover extension (This cover is operative if the insured has taken Travelsure Protection Plan issued by the company)

    • Excess: 500
    		 Max. limit of section 1.3.4 increased to: 30,000 per year (5,000 per item) Max. limit of section 1.3.4 increased to: 60,000 per year (5,000 per item)
    Personal accident 250,000 per year 250,000 per year

    Optional benefits Developer’s fixtures and fittings

    • Excess - water damage[1] : 800
    • Excess - others : 500
    		 300,000 per occurrence 300,000 per occurrence

    Eligibility

    When you apply for this Plan online, the policy will be automatically renewed, giving you total peace of mind.

    Online application is available for the following premises:

    • Multi-storey building, village house and detached house
    • Building age: below 60 years of age
    • Gross floor area: 5,000 square feet or below
    • Saleable floor area: 3,900 square feet or below

    You can contact Hang Seng Bank if you want to apply for other insurance products.

    FAQs

    Popular questions

    The Worldwide Personal Liability Benefit of this Plan provides coverage up to HKD10,000,000 for the policyholder or his/her family members who are legally liable for accidents, including accidental incidents such as objects falling from height caused by negligence, and damage to shop property. 

    This Plan can protect both yours and the former tenant's decoration. If you want to protect the fixtures and fittings provided by the developer, you can choose to add "Developer’s Fixtures and Fittings" (optional benefits) when you apply. You only need to pay extra HKD30 per month to enjoy this additional all-risk protection, which covers the damage to the fixtures and fittings provided by the developer due to accidents. Items in coverage are limited to flooring, skirting, wall and ceiling paint works, wall tiles, iron gate, doors and door frames.

    No, this Plan only provides protection for household contents (e.g. furniture, decoration, electrical appliances and personal belongings), excluding building structure, fixtures and fittings provided by the developer, such as floors, walls, doors and bathroom sanitary ware. The building structure is usually covered under the Fire Insurance Plan.

    The legal liability arising from the property damage of buildings or other units caused by an accidental bursting of pipes within the insured property can generally be covered under the Worldwide Personal Liability Benefit.

    Application

    Yes, but the coverage only includes the owner's home contents within the insured address, loss of alternative accommodation / rental, replacement of doors and windows, door locks and keys due to home burglary or theft, and Worldwide Personal Liability Benefit (subject to outbound travel not exceeding 30 days).

    Managing policy

    No, your policy will be automatically renewed.

    Claims

    If the home is unoccupied for 30 consecutive days or above, no claims will be paid for the loss of household contents, unless the loss is caused by fire, lightning, explosion, earthquake, typhoon, windstorm and flood.  However, if the insured or his/her family members successfully apply for the Travelsure Protection Plan (including Single Trip Cover / Annual Global Cover / Annual China Cover) during the period of insurance under Home Care Plus Home Insurance, the coverage period will automatically extend to the entire journey (up to 180 days for a Single Trip, and up to 60 days for an Annual Global Cover / Annual China Cover), for household contents section and developer’s fixtures and fittings section only.

    No, you can only claim either actual loss of rent or alternative accommodation arranged to the tenant whichever is lower.

    Make a claim

    Claim procedures

    Find details on how to submit your claim and more.

    View details

    Download form

    You can find all the forms and documents here for our insurance policies.

    Download form

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    Footnote

    Other point(s) to note

    1. The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
    2. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
    3. The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.

    Remark(s)

    1. Excess for water damage to Section 1 Contents Cover, Section 3.1 Renovation, Decorations, Repair and Alteration Works Extension and Section 5 Developer’s Fixtures and Fittings:

      • Building age 40 years or below: HKD800
      • Building age 41-50 years: HKD5,000 or 10% of adjusted loss, whichever is higher
      • Building age 51 years or above: HKD5,000 or 15% of adjusted loss, whichever is higher

       

      Exclusions

      Loss or damage which is caused by, arising from or in any way connected with:

      • Wear and tear, rust, corrosion, gradual deterioration and depreciation
      • Mechanical, electrical or electronic breakdown
      • Domestic animals and other wildlife
      • Malicious damage, vandalism
      • Deliberate damage to property by you – knowingly committing fraud
      • Any loss of damage or liability arising out of a Tropical Cyclone Warning Signal No.8 or above hoisted by the Hong Kong Observatory during the first 3 days from the first Commencement Date

    Quote, apply and pay

    Apply now