Target Insurance | Home Insurance

Benefits

Basic Coverage

Benefits (Section 1 - 4)	Maximum Limit Per Year (HK$)
Plan	A	B

1.Home Contents "All Risks"
covers accidental loss of or damage to home contents caused by fire, burglary, typhoon, earthquake, flood, bursting of water pipes and many other mishaps	500,000	1,000,000
Sub-limit for any one item / set per period:
a.Foodstuff (except Frozen Food)	7,500 per item 50,000 in aggregate	10,000 per item 100,000 in aggregate
b.Valuables	7,500 per item 100,000 in aggregate	10,000 per item 150,000 in aggregate
c.Furniture, furnishings, household appliances, computer, hi-fi, TV, home video equipment, piano etc	75,000 per item / per set	100,000 per item / per set
Extensions
1.Alternative Accommodation covers the rental expenses incurred for temporary accommodation for the period while your home is uninhabitable due to an insured accident	1,500 per day 50,000 in aggregate	1,500 per day 50,000 in aggregate
2.Windows and Door Lock Replacement covers the cost of replacement of windows and door lock due to burglary or attempted theft	3,000	3,000
3.Frozen Food Damage covers cost of replacing food loss due to accidental failure of electricity supply (the refrigerator which is less than 5 years old)	5,000	5,000
4.Personal Money / Unauthorized Use of Credit Card covers the loss of personal money or unauthorized use of credit card due to theft, burglary or robbery occurred at home	2,000	2,000
5.Replacement Costs of Loss of Personal Documents covers cost of replacement of personal documents (e.g. HKID card, passport etc) due to theft, burglary or robbery at home	1,500	1,500
6.Domestic Helper's Personal Effects covers accidental loss of domestic helper's personal effects at home	2,500 per item 10,000 in aggregate	2,500 per item 10,000 in aggregate
7.Medical Expenses covers medical expenses incurred by the insured & / or family member(s) for bodily injury sustains caused by burglars or robbers at home	3,000	3,000
8.Removal of Debris covers the cost of debris removal of home contents after dismantling & / or demolishing	10% of adjusted loss or maximum up to 50,000 per year	10% of adjusted loss or maximum up to 50,000 per year
9.Temporary Removal covers loss of home contents whilst temporarily removed from the insured location for cleaning, renovation, repair or other similar purposes (up to 14 days)	10,000 per item 50,000 in aggregate	10,000 per item 50,000 in aggregate
10.House Removal covers loss of home contents whilst in transit by professional movers to a new location	10,000 per item 50,000 in aggregate subject to excess of 1,000	10,000 per item 50,000 in aggregate subject to excess of 1,000
11.Interior Works covers accidental loss of or damage to home contents while interior works are being carried out in the home (contract value of the interior works does not exceed HK$200,000 for any one contract)	2,000 per item 50,000 in aggregate subject to excess of 1,000 or 10% of the adjusted loss	2,000 per item 50,000 in aggregate subject to excess of 1,000 or 10% of the adjusted loss

2.Personal Accident
covers accidental death and permanent total disablement of the insured & / or family member(s) caused by fire, robbery or burglary at home	400,000	400,000
Insured & family member(s) aged 18 or above	100,000 per person	100,000 per person
Insured & family member(s) aged 17 or under / aged 70 or above	50,000 per person	50,000 per person

3.Personal Liability
covers for insured & / or family member(s) against legal liability towards third parties for their bodily injury or property damage caused by you & / or your family members’ negligence	10,000,000	10,000,000

4.24 Hours' Home Assistance Services
provides the following 24 Hours' Home Assistance Services referral in the case of an emergency
Electrician Service Referral
Plumber Service Referral
Locksmith Service Referral
Household Repairer Assistance Referral Service
Baby Sitting Referral Service
Temporary Domestic Helper Referral Service
Pest Control / Cleaning Service Referral
House Call / Dental Referral
Air-conditioning Engineer Referral

Other Coverage

Benefits (Section 5)

Maximum Limit Per Year (HK$)

5.1Worldwide Personal Effects & Valuables (Optional)
covers for loss of or damage to the insured & / or family member(s) personal effects and valuables as declared	Sum Insured & Pricing Structure (according to Quotation)
Sub-limit :
Unspecified Items	5,000 per item or 25% of Sum Insured whichever is the smaller excess of 250 for each and every claim
Specified Items	As declared limit Excess of 250 for each and every claim

5.2Building All Risks (Optional)
covers the insured & / or family member(s) against any unforeseen loss of or damage to the building	Sum Insured & Pricing Structure (according to Quotation)

5.3Overseas Domestic Helper (Optional or Stand-alone)
1.Employees’ Compensation covers legal liability under Employees’ Compensation Ordinance for bodily injury or death to your domestic helper	100,000,000 per accident
2.Personal Accident covers accidental death and permanent total disablement caused by fire, robbery or burglary at home	100,000
3.Repatriation Expenses covers repatriation expenses incurred in the event that the domestic helper suffers from death, serious sickness or injury resulting in being unable to perform the service contract	20,000
4.Surgical & Hospitalization Expenses covers the expenses incurred by the domestic helpers for hospital confinement for any medical treatment or surgery	30,000
Sub-limit :
Room and board & other miscellaneous hospital charges	300 per day
Surgical fee	10,000 per disability
Anaesthetist’s fee	25% of surgical fee up to 2,500 per disability
Operating theatre fee	12.5% of surgical fee up to 1,250 per disability
5.Clinical Expenses covers the expenses incurred by the domestic helper for medical consultation, treatment and prescribed medical supplies	3,000
Sub-limit :
Registered medical practitioner	150 / visit / day
Registered or listed chinese medicine practitioner (including bone-setting), or registered physiotherapist	100 / visit / day or 500 in aggregate
6.Dental Expenses covers the expenses incurred by the domestic helper for oral surgery, treatment of abscesses, X-rays, extractions or fillings	1,500 2/3 of the expenses per claim
7.Loan Protection reimburses the outstanding loan that you have made to the domestic helper if it could not be collected in the event that domestic helper is repatriated or dies	5,000
8.Fidelity Guarantee covers a pecuniary loss resulting from an act of fraud or dishonesty commited by the domestic helper	10,000

Major Exclusions

Any consequence of war, riot and civil commotion, acts of terrorism, chemical or biological contamination, nuclear fission or fusion and radioactive contamination.
Loss due to any wear and tear, insects, damp, rust, denting or scratching.
Nervous or mental disease or disorder, venereal disease, congenital anomalies or deformities, infertility, sterilization, contraception, cancer or heart disease.
Mobile phones, plants, spectacles, contact lenses, sports equipment while in use, computer softwares, property placed in or on verandahs, balconies, patios, terraces, forecourts, garages and in the open areas.
Loss or damage if the insured premises remains unoccupied for more than 60 consecutive days.
Legal liability in connection with any profession, business or employment.

Important Notes

The insured premises is not used for commercial purposes and is a permanent residential unit, apartment or a house located in the Hong Kong Special Administrative Region (Hong Kong SAR). All structure of the insured premises must be legal.
Applications in relation to any building over 35 years or with structural extension, village house or detached house will be subject to separate consideration.
Annual premium is rated according to the sum insured, insurance coverage and gross floor area of the dwelling specified in this website. For any specification not mentioned, please contact our Customer Service Hotline for separate underwriting.
The 24 Hours' Home Assistance Service is rendered by contractor of our Company. The Company shall not be held responsible for any advice or performance on the part of the contractor and shall not bear any costs of the pay service subscribed by the insured.
Section 5.1 and 5.2 of Other Coverage must be insured together with basic coverage. Section 5.3 can be insured as a stand-alone coverage.
The Company has the final decision on the acceptance of the application and the insurance coverage. In case of any disputes, the decision of the Company shall be final.
The website provides a brief introduction only. Please refer to the insurance policy for detailed terms and conditions, a specimen of which is available upon request. In the event of any discrepancy between the Chinese and English language of this brochure, the English version shall prevail.
This insurance is underwritten by Target Insurance Company, Limited.

APPLICATION
FORM BROCHURE FAQ MAKE
A CLAIM