Personal Insurance Service
Chong Hing Insurance Company Limited ("Chong Hing Insurance") is a wholly-owned subsidiary of Chong Hing Bank Limited. Chong Hing Insurance provides tailor-made and comprehensive protection to fulfil your personal needs, and comes with our excellence in handling claims while accident occurred.
Please Select:
Insurance Detail:
Joy Health Plus
Chong Hing Joy Health Plus Insurance is a comprehensive Hospitalization and Surgical insurance specially designed to protect you and your family members against the expensive medical expenses incurred as a result of sickness or injury.
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Special Features
- Choice of different levels of benefits to suit your needs
- 24 hours worldwide coverage
- All accidental injuries and sickness not explicitly excluded in the policy are covered
- 100% full reimbursement up to the plan limits (Except Supplementary Major Medical Benefits)
- No medical examination is required
- Protection upto maximum age 100
- Free choice of doctors and hospitals
- Cover of Intensive Care Treatment, Post Hospitalization Treatment and Emergency Outpatient Treatment
- Optional Supplementary Major Medical is provided
- Free Coverage for any new born child of the insured from 14 days after birth until the next policy renewal date
Main Exclusions
Dental care and treatments (except as a result of accident), cosmetic treatments, eye glasses, hearing aids, war, illegal acts, routine physical examinations, mental disorder, pregnancy, suicide, drugs or alcohol abuse, racing (except foot racing), mountaineering, hunting, aviation (except as fare paying passenger), pre-existing/congenital conditions.
Travel Plus
Our Travel Plus provides you with additional hassle-free protection in personal accident, medical expenses and loss or damage of your personal belongings while travelling aboard, and gives you the extra comfort and peace of mind throughout your journey.
As a smart consumer, you have the choice to select the right insurance company and the appropriate insurance coverage according to your needs.
Travel Plus provides maximum coverage up to HK$3,000,000 protection and up to HK$4,500 per article indemnity on personal effect and baggage.
| Item |
Summary of Benefits | Maximum Limit per Insured Person (HK$) |
|
|---|---|---|---|
| VIP Plan | Classic Plan | ||
| 1 | Medical Expenses | 1,000,000 | 600,000 |
| (Children aged under 18 and Insured Person aged over 70 will receive 25% and 50% of the maximum limit respectively.) | |||
| 2 | Emergency Assistance Service | 1,000,000 | 600,000 |
| 3 | Personal Accident | 1,000,000 | 600,000 |
| (Children aged under 18 at the time of death, will receive up to HK$100,000 only. Insured Person aged over 70 will receive 50% of the maximum limit.) | |||
| 4 | Baggage & Personal Effects | 25,000 | 15,000 |
| (limit / item:7,500) | (limit / item:4,500) | ||
| 5 | Baggage Delay (delay for more than 10 hours) | 1,000 | 600 |
| 6 | Personal Money & Travel Documents | 3,000 | 3,000 |
| 7 | Personal Liability | 2,000,000 | 1,000,000 |
| 8 | Travel Delay, Missed Journey, Overbooking & Re-routing (delay for more than 10 hours) | 10,000 | 6,000 |
| 9 | Loss of Deposit or Cancellation | 50,000 | 30,000 |
| 10 | Curtailment | 50,000 | 30,000 |
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*Free Cover for Children (Single Journey Only)
- If you are travelling with your children, they will enjoy free cover. (Note: Please refer to the Benefit table for the maximum limits under Section 1 and 3 applied to children under 18)
- Family refers to Insured Person, his/her spouse and children, (irrespective of the number) travelling with the Insured Person and/or his/her spouse for the entire period)
- Child / children refer to the dependent and unmarried children who are of age between thirty days and under 18 years old as named in the Travel Insurance Certificate
*Age Limit: From thirty days up to the age of 75 (Before the inception of the journey)
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*Enhancement Cover for Children (Applicable to Single Journey or Annual Cover)
- If you wish to enhance the cover for your children, simply pay the full premium and they will receive the maximum limit of 100% for Medical & Related Expenses Section and 50% for the death benefit under Personal Accident Section.
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*Maximum Duration of Journey(s)
- Single journey - maximum 6 months
- Annual cover (unlimited number of journey) - maximum 90 days for each journey
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*24 Hour Emergency Assistance Hotline
- You will automatically receive the benefits of 24 hour Emergency Assistance Service provided by Chong Hing Insurance at anywhere in the world, emergency assistance service is only a phone call away.
Premium Table
(Effective from 1 November 2006 until further notice)
| |
Day(s) | VIP Plan (HK$) | Classic Plan (HK$) |
|---|---|---|---|
| *Area 1 | 1 day | 95 | 78 |
| 2 days | 102 | 88 | |
| 3 days | 138 | 118 | |
| Each Additional day | 9 | 7 | |
| Area 2 - Worldwide | 1 days | 160 | 123 |
| 2 days | 160 | 135 | |
| 3 days | 180 | 140 | |
| Each Additional day | 12 | 10 | |
| Annual Cover | Individual | 1,500 | 1,380 |
| Family | 3,000 | 2,760 |
*Area 1:
Brunei, Cambodia, China, India, Indonesia, Japan, Korea, Laos, Macau, Malaysia, Myanmar, Nepal, Pakistan, Philippines, Singapore, Taiwan, Thailand and Vietnam.
Domestic Helper Plus
"Domestic Helper Plus" not only meets your legal obligation as an employer but also offers extra benefits for your domestic helper's security and health. We have structured a comprehensive insurance package that includes employees' compensation, dental treatment, hospitalization and outpatient for your domestic helper, we even extend the coverage to include Cancer and Heart Attack in order to give you and your Domestic Helper extra protection.
| Section |
Coverage | Maximum Benefit Limits (HK$) |
|---|---|---|
| 1 | Employees' Compensation Cover | 100 million per event |
| 2 | Clinical Expenses | 150 per visit |
| 2,000 per year | ||
| 3 | Surgical & Hospitalization Expenses: | |
| Room & Board Charges | 300 per day | |
| Surgeon's Fees | 10,000 per operation | |
| Anesthetist's Fees | 25% of Surgeon's fees | |
| Operating Theatre Charges | 12.5% of Surgeon's fees | |
| Aggregate Limit | 30,000 per year | |
| 4 | Loss of Services Cash Allowance | 200 per day up to 15 days per year |
| 5 | Dental Expenses | Two-thirds of actual expenses up to $1,500 per year |
| 6 | Personal Accident Benefits | 100,000 |
| 7 | Repatriation Expenses | 20,000 |
| 8 | Fidelity Guarantee | 5,000 per year |
The annual premium is HK$600 per person.
Age Limit: 18 - 65 years old (Above 65, subject to approval and underwriting of our company)
Waiting Period: A 14-Day waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalization Expenses, Loss of Services Cash Allowance and Dental Expenses for each domestic helper during which no benefit claim will be accepted.
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Quotation or Enrolment Information Required
- Insured Name
- Telephone Number
- Insured Address
- Occupation
- Domestic Helper's Personal Particulars
- Full Name
- Age
- Sex
- Nationality
- Period of Insurance (Normally for a Year)
Family Plus
If your peaceful home were damaged by fire or water, our "Family Plus" insurance would ensure your high quality living can be maintained by providing you with temporary accommodation until your home is fit to move in again. We will pay for the replacement, repairing or repurchase of those damaged household items such as furniture, fittings and fixtures, TV and HiFi.
| Standard Insurance Cover |
Maximum Limits (HK$) |
|
|---|---|---|
(1) HOUSEHOLD CONTENTS "ALL RISKS"
|
700,000 | |
| FREE ADDITIONAL BENEFITS | ||
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50,000 1,500 per day |
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50,000 | |
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5,000 | |
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3,000 | |
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3,000 | |
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3,000 | |
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20,000 | |
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3,000 | |
| (2) OCCUPIER'S and PERSONAL LIABILITY | ||
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5,000,000 | |
(3) FAMILY PERSONAL ACCIDENT
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| - Suffers accidental death |
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| - Medical expenses reimbursement for accidental injury |
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| (4) HOME ASSISTANCE SERVICES | ||
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24 Hour Hotline Assistance Services for referrals to locksmiths, plumbers, electricians, doctors, dentists, nurses, baby-sitters, pest-control service and house-cleaners, etc. |
Referral services | |
| OPTIONAL INSURANCE COVER (Operative Upon Payment Of Additional Premium) |
Maximum Limits (HK$) |
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| (5) WORLDWIDE PERSONAL EFFECTS "ALL RISKS" | ||
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Provides worldwide protection for your valuables and personal effects (except mobile phones) against "All Risks" of accidental loss or damage |
5,000 any one article 30,000 per year |
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| (6) DOMESTIC SERVANTS | ||
|
100,000,000 any one accident | |
* Age Limit: 18-65 years old |
5,000 per year | |
Major Exclusion Items
Loss or damage due to war, terrorism, nuclear and radioactive contamination, pollution, mechanical breakdown, wear and tear were excluded, etc.
Excess
Claims under Sections (1) and (5) are subject to an excess of HK$200 each claim.
(only applicable to building aged not over 10 years)
"Family Plus" is flexible, which means you only pay for the protection you need. The standard insurance coverage of HK$700,000 under Section (1) can be increased to meet your special requirement. Once you have purchased Section (1), the protection under Sections (2), (3) and (4) are automatically provided at no extra premium. Sections (5) and (6) are optional insurance covers and are operative upon payment of additional premium.
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Quotation or Enrolment Information Required
- Insured Name
- Telephone Number
- Insured Address
- Occupation Sector
- Gross Floor Area (square feet)
- Optional Insurance Cover
- Worldwide Personal Effects "All Risks"
- Domestic Servant
- Property Owner's Liability (Applicable to Home Owner only)
- Period of Insurance (Normally for a Year)
Car Plus
According to the Motor Vehicles Insurance (Third Party Risks) Ordinance issued by the Government of Hong Kong SAR, the operator of a motor vehicle must insure his / her liability against death or bodily injury caused to third parties while driving on the road. Such Third Party Insurance is the minimum insurance requirement to operate a motor vehicle. Having Motor Vehicle Insurance coverage is not only a legal requirement, but it also provides protection against any accidental damage caused to your beloved car.
Third Party Risks Insurance
This protects the car owner's or the driver's liability while using the car. It covers third party's bodily injury, loss of life or property damage. The maximum compensation from this type of policy is HK$100,000,000 for third party's bodily injury or loss of life, and up to HK$2,000,000 for property damage.
Comprehensive Insurance
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This is the most complete insurance plan for car owners and drivers. This Plan not only includes all the above protection, but also provides
- Coverage for damage to the insured motor vehicle in the event of a crash, fire, theft or other forms of accident.
- Coverage for medical expenses of up to HK$2,000 for any injury of the policy holder, driver or passengers of the insured motor vehicle due to an accident.
- 24-Hour Repair Approval*
- Auto Assist 24-Hour Hotline Service*
- No Claim Discount Protection*
- FREE Personal Accident Insurance for One Year*
- More Savings on Premiums
- Unlimited FREE Windscreen & Car Window Cover*
- New for Old Vehicle Replacement without Depreciation*
- No Third-Party Excess*
The Most Reliable Insurance Services & Comprehensive Protection with Greater Benefits
- Insured Name
- Tel No.
- Insured Vehicle's Detail
- Registration Mark
- Make and Model
- Year of Manufacture
- Cubic Capacity
- Type of Body
- Seating Capacity (Excluding Driver)
- Particulars of Drivers
- Name
- Occupation
- Age
- Year of Driving Experience
- Accident History
- Coverage Required (Third Party or Comprehensive)
- Sum Insured (Estimated Market Value for Comprehensive cover only)
- No Claim Bonus (If Yes, please provides Name of Previous Insurer, Policy No. & NCB percentage)
- Period of Insurance (Normally for a Year)
Quotation or Enrolment Information Required
Fire Insurance
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"Fire Insurance" is a kind of property insurance. According to the past statistics, the annual loss in household contents, industrial or commercial equipment, raw material or stock-in-trade due to fire was incredibly substantial. To indemnify you against any financial loss caused by fire, our Fire Insurance offers comprehensive coverage tailored to suit your needs, the coverage is as follows:
- Damage caused by fire
- Damage caused by fire from your neighbor
- Damage caused by thunder and lightning
- Damage caused by explosion of boilers for domestic purposes
- Damage caused by water from extinguishing of fire or other loss
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Besides the above basic cover, the insurance can be extended to cover the following perils:
- Explosion
- Spontaneous Combustion
- Bush Fire
- Earthquake
- Typhoon
- Riot & Strike
- Malicious Damage
- Crashed by Aircraft
- Impact By Road Vehicle
- Sprinkler Leakage
- Water Tanks, Apparatus & Pipes
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Quotation or Enrolment Information Required
- Insured Name
- Telephone Number
- Insured Address
- Interest Insured
- Sum Insured Period of Insurance (Normally for a Year)
