3 HomeSafe Protection Insurance HomeSafe Protection Insurance With all of the efforts that you have made in acquiring your home, furnishing and decorating it, you need a comprehensive insurance policy to protect your property and valuables. HomeSafe Protection Insurance gives you a host of combined protection benefits that covers household contents, personal belongings and third party liability. Each benefit is designed to suit your specified needs, enabling you to enjoy a carefree and safe residence in a peace of mind. Plan Features Different plan levels for selection of sum insured Free extended coverage in addition to household contents, such as - Interior alterations or repairs - Loss of money or unauthorised use of credit cards - Loss of personal documents - Loss of or damage to household contents during removal - Removal of debris Alternative accommodation up to HK$70,000 Accidental death benefit from fire or robbery at home Public liability coverage up to HK$10,000,000 Optional all-risk coverage for building and coverage on additional valuables Low rise house coverage Basic Coverage Section 1 Household Contents - Sum insured (Basic coverage and extension) - Furniture, furnishings, household appliances, computer, hi-fi, television, home video equipment, piano Max. 100% of sum insured - Household improvement walls, ceilings, floors and doors Max. 20% of sum insured - Valuables (e.g. jewellery, furs, watches, etc.) Max.1/3 of sum insured - Foodstuffs (except frozen food) Max. 10% of sum insured - Household contents other than above Max. 100% of sum insured 300, ,000 1,000,000 Limit Extension For Free - Removal of debris 10% of adjusted loss - Interior alterations or repairs (max. contract value of HK$50,000 and contract period not exceeding 2 months) - Replacement of locks or windows due to home burglary - Personal effects (excluding money) outside the insured premises Max. HK$15,000 - Loss of money or unauthorised use of credit cards (within Hong Kong) from fire, robbery or burglary - Loss of personal documents within Hong Kong (i.e. Hong Kong Identity Card, Hong Kong driving licence, China re-entry permit and passport) - Loss of or damage to household contents within Hong Kong from: Household removal by professional removers up to 2 days Temporary removal for cleaning, repairing or renovation up to 14 days Max. HK$50,000 - Loss of domestic helper s property from fire or home burglary Max. HK$1,500 Additional Benefits For Free - Alternative accommodation - Accidental death benefit from home fire or robbery Max. HK$400,000 Section 2 Public Liability - Property owner s or occupier s liability - Personal liability (worldwide) According to the maximum limit of Household Contents Section 4,500 1,000 1,500 50,000 1,000 10,000 - Damage to frozen food 5, ,000 1, ,000 per family member 5,000,000 8,000,000 10,000,000 Any one accident/ any one period of insurance 6,500 70,000 1,500 Extension For Free - Insured s liability arising out of interior alterations or repairs (max. contract value of HK$50,000 and contract period not exceeding 2 months) Section 3 Optional Benefits - All-risk coverage for building - Additional valuables Notes: Application is subject to underwriting if the building age exceeds 30 years. Excess* (HK$) For each and every claim Non-low Rise House Applicable to Household Contents and Optional All-risk Coverage for Building - Loss or damage except caused by fire, lightning or explosion - Loss or damage caused by water damage, landslip or subsidence Applicable to Public Liability - Third party property damage - Water damage to third party property Applicable to Interior Alterations or Repairs - Loss or damage caused to home contents, building or third party property 1,000,000 Any one accident/any one period of insurance Subject to quotation Subject to quotation (not applicable to Plan I) 24-hour Home Assistance Service Enjoy 24-hour home assistance hotline service for free referral assistance, including electricians, plumbers, locksmiths, general repairers, baby-sitters or nurses, domestic helpers, pest control providers, home cleaning services, etc. Annual Premium (HK$) Non-low rise house ,480 Low rise house 1,280 1,880 2,680 Remarks: - Low rise house shall mean house/semi-detached house/village house of not more than 3 storeys other than roof floor. - Subject to a minimum premium of HK$500 for an in force period of less than 1 year. or 10% 10,000 or 10% Low Rise House Building age not exceeding 30 years 500 or 10% or 10% * The greater of the first amount or stipulated percentage of the adjusted loss for each and every claim as specified in the table above will be treated as Excess.
4 Major Exclusions 1. Wear and tear, mildew, mold, moisture, rot, corrosion, rust, gradually deterioration, market depreciation, the action of light or atmosphere and gradually operating causes. 2. Theft or attempted theft not accompanied with forcible or violent entry to or exit from the home leaving visible marks. 3. Breakdown and/or mechanical malfunction of electrical appliances and computer equipment. 4. Leaving property behind and unattended. 5. Wilful act, deliberate act, recklessness, malicious acts or vandalism. 6. Fines, penalties, punitive or exemplary damages. 7. Any act of terrorism. Notes: This leaflet 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 call Blue Cross Customer Service Hotline at Should there be any discrepancy between the English and the Chinese versions of this leaflet, the English version shall apply and prevail. HomeSafe Protection Insurance is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong. This leaflet is for distribution in Hong Kong only. The distribution of this leaflet is not and shall not be construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. Blue Cross (Asia-Pacific) Insurance Limited is a subsidiary of The Bank of East Asia, Limited and a member of the BEA Group. It is not affiliated with or related in any way to Blue Cross and Blue Shield Association or any of its affiliates or licensees.
5 主要不保事項 1. 損耗 發黴 霉菌 潮濕 腐爛 侵蝕 生鏽 逐漸退化 折舊 陽光照射或空氣的影響和逐漸產生影響的誘因 2. 在不牽涉使用武力或暴力進入或離開家居而沒有留下明顯痕跡的情況下, 進行偷竊或企圖偷竊 3. 電器及電腦器材的損壞及 / 或機械故障 4. 遺下及沒有妥善看管財物 5. 蓄意 故意 魯莽或惡意行為, 或故意破壞公物 6. 罰款或懲罰性的損害賠償 7. 任何恐怖主義行為 注意 : 本單張只供參考之用 ; 有關詳盡條款及細則及所有不保之事項, 概以保單為準 如有查詢或欲索取保單條款及細則, 請致電藍十字客戶服務熱線 本單張的中英文版本如有差異, 以英文版本為準 家居至專寶 由香港獲授權之保險商, 藍十字 ( 亞太 ) 保險有限公司承保 本單張僅在香港派發 派發本單張並不構成亦不應被詮釋為在香港境外出售 游說顧客購買或提供任何保險產品 藍十字 ( 亞太 ) 保險有限公司乃東亞銀行有限公司之子公司及東亞銀行集團成員, 與 Blue Cross and Blue Shield Association 及其任何相關聯機構或許可證持有人並無任何關係 藍十字 ( 亞太 ) 保險有限公司 ( 藍十字 ) 乃東亞銀行集團成員, 於香港經營保險業務逾 45 年, 致力為個人及企業客戶提供多元化的保險產品及服務, 包括醫療 旅遊及一般保險 藍十字屢獲殊榮, 保險產品及服務均獲廣泛認同 : 商界展關懷公司 ( 及 ) 社區投資共享基金 社會資本企業義工大賞 最具 情獎 (2015) 資本傑出企業成就獎 傑出醫療及一般保險 ( ) 新城財經台 香港企業領袖品牌 2015 卓越旅遊保險品牌 新假期 最受歡迎旅遊保險公司大獎( ) 2014 指標 財富管理大獎 傑出表現獎-醫療保險產品( 保險 ) -產品及服務創新( 保險 ) -網上功能( 保險 ) e-zone e- 世代品牌大獎 2014 最佳網上保險服務 藍十字在 2015 年獲得金融服務業國際信用評級機構 A.M. Best Company 評定財務實力評級及發行人信用評級分別為 A ( 優秀 ) 及 a 級別 有關最新評級, 請瀏覽 Blue Cross (Asia-Pacific) Insurance Limited ( Blue Cross ) is a member of The Bank of East Asia Group. With over 45 years of operational experience in the insurance industry, Blue Cross provides a comprehensive range of products and services including medical, travel and general insurance, which cater to the needs of both individual and corporate customers. Blue Cross success in insurance products and services is reaffirmed by numerous awards and accolades: Caring Company ( & ) Community Investment and Inclusion Fund Social Capital Corporate Volunteer Challenge Most Caring Award (2015) Capital Outstanding Enterprise Awards Medical and General Insurance ( ) Metro Finance Radio Hong Kong Leaders Choice 2015 Excellent Brand of Travel Insurance Weekend Weekly The Most Favorite Travel Insurance Company Award ( ) Benchmark Wealth Management Awards 2014 Outstanding Achiever - Healthcare Product (Insurance) - Product and Service Innovation (Insurance) - Online Usability (Insurance) e-zone e-brand awards 2014 The Best of Online Insurance Service Provider In 2015, Blue Cross is assigned a financial strength rating of A (Excellent) and an issuer credit rating of a by A.M. Best Company, a global full-service credit rating firm specialising in the financial service industry. For the latest rating, please access /F, BEA Tower, Millennium City 5, 418 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong 香港九龍觀塘道 418 號創紀之城 5 期東亞銀行中心 29 樓 Fax 傳真 : 電郵 Website 網址 : MD147/