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We are pleased to introduce to you the American Express Home Insurance Plan. This plan brings you and your precious belongings comprehensive protection and ensures you a total peace of mind.
Protection to Your Precious Belongings
Up to HK$1,000,000* of Home Contents all risk protection and HK$30,000 Worldwide Personal Possessions** against accidental physical loss or damages for you and your beloved family. Normally, your lost or damaged belongings will be compensated as new items.
Extensions
Special offer of home extensions including Alternative Accommodation, Temporary Removal, Home Removal, Removal of Debris, Food Deterioration and Loss of Personal Document.
Legal Liability
The sum up to HK$5,000,000 for you or your household member legal liability to pay as compensation for accident causing bodily injury to a person or damage to property.
24-hour Home Emergency Assistance Services
Up to HK$500 reimbursement for locksmith services, and free 24 hours referral services for plumber, electrician, air-conditioner engineer and others.
Remarks
* It all depends on your individual needs & plan chosen. This section is subject to a deductible of HK$350 for each and every loss and HK$1,000 or 10% of loss, whichever is greater, for water damages.
** Applicable to Plan 2 only.
| Coverage |
Maximum Benefit (HK$) |
| Plan 1 |
Plan 2 |
| 1. Contents |
| Individual Item Limit: |
500,000 (per incident/year) |
1,000,000 (per incident/year) |
| • Furniture or domestic appliance |
50,000 per item/set |
150,000 per item/set |
| • Personal Property or Possessions |
20,000 per item/set |
20,000 per item/set |
| • Valuable Property |
200,000
(20,000 per item/set) |
200,000
(20,000 per item/set) |
| • Stamps, coins or medals collections |
5,000 |
3,000 |
| • Money |
3,000 |
3,000 |
| Extensions |
| • Alternative Accommodation |
45,000
(1,000 /day, max. 45 days) |
45,000
(1,000 /day, max. 45 days) |
| • Temporary Removal |
100,000 |
100,000 |
| • Home Removal |
100,000 |
100,000 |
| • Removal of Debris |
20,000 |
20,000 |
| • Food Deterioration |
5,000 |
5,000 |
| • Loss of Personal Document |
3,000 |
3,000 |
| Deductibles |
| • Each and every claim other than water damage |
350 |
350 |
| • The first HK$1,000 or 10% of each and every claim whichever is the greater arising from water. |
| 2. Legal Liability |
5,000,000 |
5,000,000 |
| 3. Worldwide Personal Possessions |
| • Total Limit |
Not applicable |
30,000 |
| • Limit per item, set or collection |
5,000 |
| • Deductible: each and every claim |
350 |
| 4. 24-hour Home Emergency Assistance Services |
| • Reimbursement for locksmith service |
500 |
500 |
| • Referrals services for plumber, electrician, air-conditioner engineer and other referrals |
| 5. Monthly Premium |
Gross Area:
• Below 700 sq. ft |
72 |
118 |
| • 701 to 1,500 sq. ft |
96 |
148 |
| • 1,501 to 3,000 sq. ft |
136 |
218 |
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APPLY NOW!
Simply call 2903 9432 and leave the rest to us.
Service Hours: 9:00a.m. to 6:00p.m., Monday to Friday; 9:00a.m. to 1:00p.m. Saturday (except holidays)
Remarks:
- The Policy for this plan is underwritten by Zurich Insurance Company which is solely responsible for all coverage and claims and other policy related matters.
- Zurich Insurance Company is not a subsidiary or an affiliate of American Express.
- The above information is for reference only. For details please refer to policy terms and conditions and exclusion clauses.
- Zurich Insurance Company is a company incorporated in Switzerland with limited liability.
- American Express International Inc. and Zurich Insurance Company reserve the right to change the Terms and Conditions without prior notice.
- American Express ("We/we")identify insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
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