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Coverage at a Glance
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Maximum Limits (HK$)
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Harmony Plan
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Premier Plan
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1. Household Contents #
"All Risks" cover is provided for your household contents at the premises including furniture, household goods, appliances, valuables, and personal effects. Protection will be on a “New for Old” basis.
We also cover interior decoration, fixtures and fittings like wall paint, wallpaper and floorings carried out or installed by you, or for which you are legally responsible as a tenant.
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$400,000/year |
$800,000/year |
| - furniture, household goods or appliances |
$50,000/item |
$100,000/item |
| - valuables |
$10,000/item
(up to $200,000/year) |
| - personal effects of you and your family members, and your domestic helper |
$50,000/item |
Extensions
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Alternative Accommodation
When your home is rendered uninhabitable after an insured accident, you will be reimbursed for the temporary accommodation expenses at a maximum of HK$1,500 per day, up to HK$45,000 per year. |
Decoration or Renovation Period
We cover accidental loss of or damage to your household contents at the premises during the period of interior decoration or renovation, if the total contract value is under HK$250,000 and the period involved is less than 60 consecutive days. |
Frozen Foods
We cover damage to your frozen foods or drinks through deterioration as a result of breakdown of refrigerator which is less than 5 years old at the time of an accident, or failure of public electricity supply which is not caused by the deliberate act of the supply authority or its employees, up to HK$5,000 per year. |
Glass Objects
We cover accidental loss of or damage to mirrors, glass, china porcelain, earthenware and crystal due to fire, explosion, burglary or attempted burglary at your premises. Maximum indemnity of each item is HK$5,000, up to HK$10,000 per year. |
Temporary Removal
This covers accidental loss of or damage to your household contents when they are temporarily removed from your premises elsewhere in Hong Kong for the purpose of professional cleaning, repair or renovation. Maximum indemnity is HK$50,000 per year. |
Replacement of Locks & Keys
We pay for the costs incurred for replacement of external door locks & keys damaged due to burglary or attempted burglary, up to HK$2,000 per year. |
Home Assistance Services
A 24-hour Home Assistance Hotline is provided to you for the referral services including locksmith, plumbing, electrical, house call, dental, baby-sitting, nursing, pest control and household cleaning. |
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1. Provision of original receipt(s) for interior decoration, fixtures and fittings shall be required for our claim consideration to prove such items(s) was/were carried out or installed by you as required. |
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2. Item means an article, a pair or set of articles. |
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3. Valuables include items such as platinum, gold, jewels, watches, furs, work of art, antiques, photographic equipment and the like. |
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| 2. Personal Effects Worldwide Cover
We cover your and your family members' personal effects in respect of loss or damage due to accidents outside the premises anytime and anywhere on a "New for Old" basis.
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$5,000/item $10,000/year
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| 3. Personal Money & Unauthorized Use of Credit Card
We cover loss of personal money and unauthorized use of credit card in Hong Kong which are reported to the local police authority and credit card centre within 24 hours after discovery of loss.
- loss of personal money
- unauthorized use of credit card
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$2,000/year $2,000/year
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| 4. Third Party Legal Liability
We protect you and your family members against legal liability in respect of third party bodily injury and/or property damage arising out of negligence:
- as an occupier of the insured premises
- as an individual in Hong Kong or worldwide during a temporary visit
- as a domestic pet owner
- of your domestic helper(s) for your household work in the capacity of his/her employer
Extension
Property Owner's Legal Liability
We will extend to cover your legal liability as a property owner of the premises for an accident at home or in the common area of the building.
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$5,000,000/year
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| 5. Family Personal Accident
We protect you and your family members for death or permanent total disablement, as a result of fire, armed robbery or theft occurring at your home.
- death or permanent total disablement
- loss of both limbs
- loss of both eyes
- loss of one limb and sight of one eye
- loss of one limb or sight of one eye
Extension
Fire / Burglary / Robbery Harm Allowance
We cover medical expenses of you or your family members necessarily incurred due to fire, armed robbery or theft occurring at your home, up to HK$5,000 per year.
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$200,000/year
$100,000/person
$100,000/person
$100,000/person
$100,000/person
$50,000/person
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| Optional Cover Taking Care of Your Special Needs |
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| 6. Personal Effects Extra (Premium Rate: 1.7%)
You may increase the maximum limits of Personal Effects Worldwide Cover to ensure an adequate protection for your and your family members' valuable personal effects. All items are to be declared and specified, subject to a maximum limit of HK$10,000 per item*.
* Items with a value exceeding HK$10,000 will be subject to our special underwriting consideration and an additional premium will be required.
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7. Overseas Domestic Helper
(Premium Rate: HK$440 for each overseas domestic helper every year. Levy is included.)
We protect you to meet the legal obligation as an employer and take care of you and your overseas domestic helper in the event of his/her illness or accident.
a. Employees' Compensation
We protect your legal liability as an employer of your overseas domestic helper against bodily injury or disease arising out of and in the course of employment.
b. Hospitalization
We cover the medical expenses necessarily incurred as a result of hospitalization of your overseas domestic helper.
c. Repatriation
You will be reimbursed for the cost of repatriating your overseas domestic helper to his/her country of origin following his/her death or disablement that permanently prevents him/her from continuing the employment with you.
We have PRUchoice Maid to comprehensively take care of your needs in hiring an overseas domestic helper, and a full time / part time local domestic helper. Please contact us or your insurance consultant for details.
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$100,000,000/
event
$7,500/year
$3,000/year
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| 8. Building Structure (Premium Rate: 0.07%)
We protect the building structure of your home against major disasters including but not limited to fire, explosion, malicious damage, burglary and water damage, up to the sum insured of your building as declared under this Section.
* If the building is not occupied by you, you can select the Section of Building Structure without insuring the basic cover at the premium rate of 0.14%, the extension of Property Owner's Legal Liability will be offered to you free of charge.
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| 9. Interior Decoration, Fixtures and Fitting (Premium Rate: 0.4%)
We cover the wall paint, wallpaper, fixtures and fittings, including floorings that are not carried out or installed by you, or no original receipt can be provided as required to prove the item(s) being self-installed.
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- Family members refer to parents, siblings, spouse, children and relatives who normally and permanently residing with you. To insure for your friend(s) cohabiting with you, please declare in this application form.
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Features
