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Household Protection
Insurance
A happy home is a well protected home
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As your most treasured possession, your home deserves to be taken care of and protected. Household Protection Insurance promises to help you safeguard your home by providing extensive coverage for household contents and valuables, plus accidental liability protection. Each benefit is tailored to suit your particular needs, enabling you to enjoy total peace of mind.
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Comprehensive Coverage
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Different plan levels with varying amounts of coverage |
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Extended coverage in addition to household contents, such as |
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Interior alterations or repairs |
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Loss of money due to fire, burglary, robbery, or theft |
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Loss of personal documents |
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Loss of or damage to household contents during removal |
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Removal of debris |
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Alternative accommodation up to HK$50,000 |
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Accidental death compensation due to fire or robbery at home |
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Credit card outstanding balance protection up to HK$10,000 |
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Public liability coverage up to HK$8,000,000 |
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Low rise house coverage |
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| Insured Items |
Maximum Limits per Year (HK$) |
| Plan A |
Plan B |
Plan C |
Section 1 - Household contents
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Sum insured (basic coverage and extension benefits) |
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300,000
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450,000
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600,000
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| Basic Coverage (limit per item/set) |
Furniture, furnishings, household appliances, computers, hi-fi, televisions, home video equipment, and pianos.
Max. 100% of sum insured |
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50,000 |
65,000 |
80,000 |
Household improvement
Max. 20% of sum insured |
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50,000 |
65,000 |
80,000 |
Valuables (e.g. jewelleries, furs, watches, etc.)
Max.1/3 of sum insured |
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5,000 |
6,500 |
8,000 |
Foodstuffs except frozen food
Max. 10% of sum insured |
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5,000 |
6,500 |
8,000 |
Household contents other than above
Max. 100% of sum insured |
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5,000 |
6,500 |
8,000 |
Extension Benefits |
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10% of the adjusted loss |
| Interior alterations or repairs (Max. contract value of HK$50,000 and max. contract period not exceeding 2 months) |
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Same as the maximum limits payable for household contents under basic coverage |
| Replacement of locks or windows due to burglary or attempted theft |
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3,000 |
| Personal effects (excluding money) |
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15,000
(3,000 per item/set) |
15,000
(4,000 per item/set) |
15,000
(5,000 per item/set) |
| Loss of money within Hong Kong due to fire, burglary robbery, or theft |
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2,000 |
| Loss of personal documents within Hong Kong (i.e. Hong Kong Identity Card, Hong Kong Driving Licence, China Re-entry Permit, and passport) |
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1,000 |
1,200 |
1,500 |
| Household removal or temporary removal causing loss of or damage to household contents within Hong Kong : |
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Household removal by professional removers for up to 2 days |
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Temporary removal for professional cleaning, repair or renovation for up to 14 days |
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200,000
(10,000 per item/set) |
| Damage to frozen food due to failure of refrigerator not more than 5 years old |
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5,000 |
| Loss of domestic helper's property due to fire or burglary |
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1,500
(500 per item/set) |
| Additional Benefits |
| Alternative accommodation |
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50,000
(1,000 per day) |
| Accidental death benefit due to fire or robbery |
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400,000
(100,000 per family member) |
| Burial and funeral expenses in the event of a covered accident death |
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10,000 |
| Credit card outstanding balance protection in the event of a covered accidental death |
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10,000 |
Section 2 - Public Liability
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Property owner's or occupier's liability |
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Personal liability (worldwide coverage) |
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5,000,000
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6,500,000
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8,000,000
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Any one accident/any one period of insurance
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| Extension Benefits |
| The insured person's liability arising from interior alterations or repairs (Max. contract value of HK$50,000 and max. contract period not exceeding 2 months) |
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1,000,000
Any one accident/any one period of insurance |
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24-Hour Home Assistance Service
Enjoy 24-hour home assistance hotline support for free referral assistance in case of an
emergency requiring electrical, plumbing, locksmith, general repair, baby-sitting or nursing, domestic helper, pest control and home cleaning services, etc.
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A minimum premium of HK$400 will apply if the policy is cancelled. |
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"Low Rise House" means a house/semi-detached house/village house of not more than 3 storeys other than roof floor. |
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"Excess" means the first amount or the percentage (if applicable) of the adjusted loss (whichever is greater) for each and every claim. |
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Application is subject to underwriting if the building age exceeds 35 years. |
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The above information is for reference only. Please refer to the policy for the
exact terms and conditions and the full list of policy exclusions. For more
information or a copy of the policy terms and conditions,
please contact our Marketing Officer.
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The Bank of East Asia, Limited is an insurance agent authorised by BEA Life Limited ("BEA Life") and Blue Cross (Asia-Pacific) Insurance Limited ("Blue Cross"), members of the BEA Group. BEA Life Insurance Series and General Insurance Series are underwritten by BEA Life and Blue Cross respectively.
This is a redirect webpage hosted by Blue Cross (Asia-Pacific) Insurance Limited.
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