HKPTU HomeGuard Insurance_2013

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陨阮
5 years ago
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1 HKPTU Comprehensive Home Protection Insurance

2 HKPTU Building Insurance HKPTU HomeGuard Insurance Summary of Coverage Summary of Coverage Construction of Building Rate % All of Class I construction of concrete / brick HK$250 Minimum Premium Sum Insured Not exceeding HK$10,000,000 Building less than 30 years of age (For the building more than 30 years of age, subject to Company s approval & rating) Indemnity Reinstatement Cost at time of loss. Deductible / Excess Water Damage Claims : 10% of adjusted loss or HK$1,000 for each and every claim, whichever is the greater. All other claims : Nil Major Exclusions Risk location unoccupied for more than 30 consecutive days. Detention, seizure or confiscation by customs or other officials. Landslip and subsidence. Aerial devices or satellite dish. COVERAGE Maximum Limits (HK$) / Year Gold Plan Platinum Plan 888,000 1,500,000 HOUSEHOLD CONTENTS - ALL RISKS Contents 150, ,000 - Max. limit per item Valuables 10,000/ 10,000/ - Max. limit per item / 100, ,000 per year FREE Extensions / Benefits : 2,000 5,000 Locks & Keys 50, ,000 Temporary Removal 50, ,000 Building Betterment 1,000 1,000 Loss of Personal Documents 5,000 5,000 Frozen Food 10,000 10,000 Domestic Workers Property 50,000 50,000 Temporary Accommodation ($1,500 Per Day) 100, ,000 Accidental Death 5,000,000 5,000,000 Legal Liability 5,000 10,000 PERSONAL EFFECTS & VALUABLES - WORLDWIDE OPTIONAL COVERAGE 1.00% 1.40% (Max. limit per unscheduled item / Rate)

3 Notes : Coverage of this insurance plan is only applicable to the multi-storey residential building of age less than or equal to 30 years old and on the 1st level or above. For Village/Town House or other than the above, please refer to our Company. The insured property is not used for commercial purposes and is a permanent residential unit, apartment or a house located in the Hong Kong Special Administrative Region (Hong Kong SAR). All structure of the risk location must be under legal construction. Excess : HK$250 for each and every claim. Minimum premium per policy is HK$250. Changes of risk location or other details, please notify us as soon as possible. Major Exclusions Special equipment or apparatus used in connection with any profession, business or employment, or item which is insured under a separate policy; Uninsurable risk such as scratching, corrosion, wear and tear, mechanical or electrical breakdown; Malicious damage or vandalism by a person residing in the risk location; Contact or corneal lenses, mobile/portable telephone; Breakage of glass, chinaware, porcelain or item of fragile nature; Loss arising from unattended vehicle; Detention, seizure or confiscation by customs or other officials; Contents on roof or open area; Aerial devices or satellite dish; Risk location unoccupied for more than 30 consecutive days; Damage / losses caused by construction, renovation, alteration or decoration work on the location of risk. (unless the same is notified to us and specifically agreed to in advance by us in writing.) Free Extensions Benefits: Locks and Keys Covers the cost of replacing damaged locks and keys or the installation of damaged windows due to burglary or attempted burglary. Temporary Removal Covers loss or damage to household contents or home appliances while being temporarily removed from home due to cleaning or repairing. Building Betterment Covers loss or damage to building betterment / household decoration including renovation, built-in closets, fixtures and newly installed floorings, which are carried out by the insured. Loss of Personal Documents Covers the out-of-pocket expense of applying for replacement credit cards, passports or other personal documents. Frozen Food Covers accidental damage to frozen food due to the failure of the refrigerator or freezer provided the unit is less than 5 years old. Domestic Workers Property Provides cover to your domestic workers personal belongings as a result of an insured loss or damage. Temporary Accommodation Covers temporary accommodation if the insured premises is rendered uninhabitable as a result of an accident, up to HK$1,500 per day. Accidental Death Covers accidental death of the insured or his / her family members caused by fire, burglary or robbery at the insured premises. Legal Liability Protects you and your family members against personal legal liability within the territory of Hong Kong or Macau in respect of accidental bodily injury and property damage to a third party due to you or your family members negligence subject to Hong Kong jurisdiction.

4 HKPTU Comprehensive Home Protection Insurance Proposal Form HKPTU Home Guard Insurance ( Stand Alone Plan) Information of the Proposer HKPTU Building Insurance* ( Stand Alone Plan) Optional Cover : Personal Effects & Valuables Worldwide* I/we declare and agree on behalf of myself/ourselves and any person or persons who may have or claim any interest in any insurance on this Proposal Form the followings: 1. The building structure of Location of Risk is of concrete construction. 2. Occupancy of Location of Risk is solely for private residential purpose and there is no commercial use. 3. In the event of differences between the English and Chinese version of this Proposal Form, the English version shall prevail. It is also understood that the insurance policy relevant to this Proposal Form is issued in English version only and will be binding upon this Proposal Form being accepted and approved. 4. I/we agree that AIG Insurance Hong Kong Limited (hereinafter called AIG Hong Kong ), reserves its right to accept or reject my/our application for insurance. If the Proposal Form is accepted and approved by AIG Hong Kong, the policy will become effective. 5. I/we agree that this Proposal Form shall be the basis of the insurance contract between me/us and the insurer, AIG Hong Kong. I/we declare that the statements made in this Proposal Form are true, correct and complete to the best of my/our knowledge and belief. 6. In relation to the personal data collected in this application form, I/we agree and acknowledge that: (a) (unless specifically indicated otherwise in this form) the personal data requested in this form is necessary for AIG Insurance Hong Kong Limited ( AIG HK ) to process this application and any such data not provided may mean this application cannot be processed. (b) the personal data collected in this form may be used by AIG HK for the purposes stated in its Data Privacy Policy, which include underwriting and administering the insurance policy being applied for (including obtaining reinsurance, underwriting renewals, data matching, claim processing, investigation, payment and subrogation and any related purposes). (c) unless I /we have indicated otherwise by ticking the Promotion Material Opt-out box below (of which I/we take note), AIG HK may use my/our contact details (name, address, phone number and address) to contact me/us about other insurance products provided by the AIG group and that my/our contact details may not be so used without me/us giving this agreement. (d) AIG HK may transfer the personal data to the following classes of persons (whether based in Hong Kong or overseas) for the purposes identified in (b) and (c) above: i) third parties providing services related to the administration of my/our policy (including reinsurance); ii) financial institutions for the purpose of processing this application and obtaining policy payments; iii) in the event of a claim, loss adjustors, assessors, third party administrators, emergency providers, legal services providers, retailers, medical providers and travel carriers; iv) for the purpose of conducting direct marketing activities (per (c) above), marketing companies authorized by the AIG group; v) another member of the AIG group (for all of the purposes stated in (b) and (c)) in any country; or vi) other parties referred to in AIG HK s Data Privacy Policy for the purposes stated therein. (e) I/we may gain access to, or request correction of my/our personal data (in both cases, subject to a reasonable fee), or opt out of my/our personal data being used for direct marketing at any time, by writing to the Privacy Compliance Officer of AIG Insurance Hong Kong Limited at GPO Box 456 or cs.hk@aig.com. The full version of AIG HK s Data Privacy Policy can be found at Promotion Material Opt-out (if you wish to opt-out, please tick) PL07A- 03/13

5 American International Group, Inc. (AIG) is a leading international insurance organization serving customers in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional, and individual customers through one of the most extensive worldwide property-casualty networks of any insurer. In addition, AIG companies are leading providers of life insurance and retirement services in the United States. AIG common stock is listed on the New York Stock Exchange and the Tokyo Stock Exchange. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc. Not all products and services are available in every jurisdiction, and insurance coverage is governed by actual policy language. Certain products and services may be provided by independent third parties. Insurance products may be distributed through affiliated or unaffiliated entities. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. This insurance plan is underwritten by AIG Insurance Hong Kong Limited This brochure provides only a summary of the policy benefits. Coverage under the policy shall be subject to the terms, conditions and exclusions of the policy. A copy of the policy is available from AIG Insurance Hong Kong Limited.

GI3_APP0148B_P01_0114_p1

GI3_APP0148B_P01_0114_p1 Home Landlord Home Landlord Insurance Always Listening Always Understanding It is not surprising that you want to be a landlord given current low interest rate environment. On one hand you can secure your