Table of Contents
| Basic information |
| address: Click here Telephone: 2309 5555 (customer service) e-mail: [email protected] website: https://www.cmbwinglunginsurance.com/zh/Product/ProductFeatures?type=H |
Features
- Three different plans and coverage amounts to choose from
- Temporary housing costs up to HK$50,000
- Accidental death benefit due to home fire or robbery
- Free public liability insurance up to HK$5,000,000
- Add optional building protection, with a minimum limit of HK$250,000 for only HK$300
Summary of coverage
| Assure | Maximum compensation amount (HKD) | |||
|---|---|---|---|---|
| Home Fun – Plan A | Homejoy – Plan B | Homejoy – Plan C | ||
| Insured Items 1. Home Contents (Basic Protection) | ||||
| Home belongings | 500,000 yuan per year Limit per item or set: 100,000 yuan | 750,000 yuan per year Limit per item or set: 100,000 yuan | 1,000,000 yuan per year Limit per item or set: 100,000 yuan | |
| Other additional benefits The total compensation amount under this benefit (including other benefits) shall not exceed the total insured amount. | ||||
| 1. Temporary accommodation coverage (if the residence becomes unfit for habitation due to an insured accident) | 50,000 NTD | 50,000 NTD | 50,000 NTD | |
| 2. Accidental death benefit (if you or your spouse is injured and dies within three months due to fire or burglary at your residence) | 50,000 NTD | 50,000 NTD | 50,000 NTD | |
| 3. Burglary/Robbery Injury Benefit (for injuries sustained by you or your spouse in a burglary at home) | 5,000 NTD | 5,000 NTD | 5,000 NTD | |
| 4. Damage to door locks (reimbursement of the cost of replacing locks due to burglary) | 2,500 NTD | 2,500 NTD | 2,500 NTD | |
| 5. Protection of refrigerated food and beverages (refrigerated food and beverages spoiled due to refrigerator failure) | 5,000 NTD | 5,000 NTD | 5,000 NTD | |
| 6. Loss of personal property in the office (you and your spouse) | 2,500 NTD | 2,500 NTD | 2,500 NTD | |
| 7. Loss of money/property by the individual and spouse while on business trip overseas | 2,500 NTD | 2,500 NTD | 2,500 NTD | |
| 8. Temporary removal of household contents (for repair, cleaning or modification) | 50,000 NTD | 50,000 NTD | 50,000 NTD | |
| 9. Debris Removal (reimburses you for the cost of removing debris due to accidental damage caused by an insured accident) | 10,000 NTD | 10,000 NTD | 10,000 NTD | |
| 10. Home helper’s belongings | 5,000 NTD | 5,000 NTD | 5,000 NTD | |
| 11. Relocation (loss or damage caused by a professional moving company during the relocation from the old residence to the new residence) | 100,000 NTD | 100,000 NTD | 100,000 NTD | |
| 12. Additional protection for immigration (stored in a hotel or temporary residence for up to one month while waiting to immigrate overseas) | 50,000 NTD | 50,000 NTD | 50,000 NTD | |
Insurance Item 2. Personal and Occupant Liability (Free of Charge)
| Other additional benefits | Maximum compensation |
|---|---|
| Under Hong Kong jurisdiction, any claim for bodily injury or property damage caused by negligence by you or your family as: Occupying a residence as a private household As a homeowner, but the residence is occupied solely by you and your family As a building owner, but must have purchased insurance for coverage item 3 As an individual (but not an occupier or owner) temporarily traveling to Hong Kong, Macau or anywhere in the world (except the United States and Canada) for no more than 60 days | 5,000,000 NTD |
| Additional Protection Liability for alterations, additions or repairs carried out by independent contractors in respect of any single contract, provided that the aggregate contract value during the insured period does not exceed HK$200,000. Tenant's liability Landlord's liability for common parts (sub-item limit of HK$1,000,000) | |
Insured Item 3. Buildings (Optional Protection)
| Buildings | Maximum compensation |
|---|---|
| Protects the insured structure of your residence (including walls, floors, doors and windows) from any unexpected physical loss or damage caused by fire, explosion, typhoon, burst pipe, flooding, landslide, subsidence, theft, etc. | Sum insured (minimum HK$250,000) |
| 1. | Temporary accommodation benefit (if the residence becomes uninhabitable due to an insured accident) | 50,000 yuan per year |
| 2. | Debris Removal (pays for the cost of removing debris from your home as a result of accidental damage caused by a covered accident) | 10,000 yuan per year |
Excess Amount (HKD)
| Insured Item 1 Free additional protection for relocation within the country | 1,000 NTD |
| Landslide and subsidence in Insurance Items 1 and 3 | NT$10,000 or 10% calculated losses |
| Other losses covered by insured items 1 and 3 | 250 NTD |
