Benefits
Basic Coverage
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
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
  1. Any consequence of war, riot and civil commotion, acts of terrorism, chemical or biological contamination, nuclear fission or fusion and radioactive contamination.
  2. Loss due to any wear and tear, insects, damp, rust, denting or scratching.
  3. Nervous or mental disease or disorder, venereal disease, congenital anomalies or deformities, infertility, sterilization, contraception, cancer or heart disease.
  4. 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.
  5. Loss or damage if the insured premises remains unoccupied for more than 60 consecutive days.
  6. Legal liability in connection with any profession, business or employment.
Important Notes
  1. 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.
  2. Applications in relation to any building over 35 years or with structural extension, village house or detached house will be subject to separate consideration.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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.
  8. This insurance is underwritten by Target Insurance Company, Limited.
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