Family Plus



Family Plus

FamilyPlus provides you with comprehensive household insurance plan which protects your household contents, personal effects and legal liability. Once you purchase Section (1), you will automatically entitle Sections (2) to (4) for free. Also, Sections (5) & (6) are optional covers and are operative upon payment of additional premium.


Standard Insurance Cover Maximum Limits
(HK$)
(1) HOUSEHOLD CONTENTS "ALL RISKS"
  • Covers your household contents against "All Risks" of loss or damage including fire, typhoon, explosion, burglary and other mishaps.
  • Extends to cover damage to household contents during interior decoration (contract value not exceeding HK$100,000 and contract period less than 2 consecutive months)
  • Your valuable property (such as jewellery, watches, furs, musical instrument, works of art, antique, photographic equipment and the like)are also covered up to HK$15,000 each item and HK$300,000 in aggregate any one accident
700,000
FREE ADDITIONAL BENEFITS
  • Reimbursement of temporary accommodation expenses when your Home is rendered uninhabitable after an insured accident
  • Loss or damage to your household contents temporarily removed from your home for storage purposes
  • Loss or damage to your personal effects in your usual workplace
  • Worldwide loss of money and unauthorised use of credit cards
  • Accidental damage to refrigerated food
  • Loss or damage to domestic servant's property
  • Removal of debris expenses
  • Repair or replacement of external doors, windows, door locks, and keys damaged as a result of burglary or attempted burglary

50,000
1,500 per day
50,000


5,000
3,000
3,000
3,000
20,000
3,000

(2) OCCUPIER'S and PERSONAL LIABILITY
  • Protects you and your family members against legal liabilities and necessary legal expenses towards third parties for their bodily injury or property damage caused by you or your family members' negligence
  • Free to extend Property Owner's Liability if the Insured is also the owner of the insured location
  • Extends to operate worldwide when you travel aboard for not exceeding 30 consecutive days. (For travelling in U.S.A. and Canada, you are covered up to HK$1,500,000 any one year)

5,000,000
(3) FAMILY PERSONAL ACCIDENT
  • As a result of fire explosion or robbery at home, we offers compensation if you or your spouse
    - Suffers accidental death
    - Medical expenses reimbursement for accidental injury




100,000 per year
5,000
each person
(4) HOME ASSISTANCE SERVICES

24 Hour Hotline Assistance Services for referrals to locksmiths, plumbers, electricians, doctors, dentists, nurses, baby-sitters, pest-control service and house-cleaners, etc.
(These are referral services only and we are not responsible for the actual costs incurred)


Referral services
OPTIONAL INSURANCE COVER (Operative Upon Payment Of Additional Premium) Maximum Limits
(HK$)
(5) WORLDWIDE PERSONAL EFFECTS "ALL RISKS"

Provides worldwide protection for your valuables and personal effects (except mobile phones and the like) against "All Risks" of accidental loss or damage


5,000 any one article
30,000 per year
(6) DOMESTIC SERVANTS
  • Protects you against liabilities as employer towards your domestic servants arising out of their accidental injury whilst at work

100,000,000 any one
accident
  • In-hospital medical expenses insured by your domestic servants
  • * 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 Section (1)&(2):

Year of Built Excess(HK$)
Less than 10 years old HK$200 each claim
Over 10 years old & less than or equal to 30 years old - Water Damage:
HK$10,000 or 10% of adjusted loss, whichever is the greater
- Others:HK$200 each claim
Over 30 years old Subject to quotation

Claims under Section (5) is subject to an excess of HK$200 each claim.


"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.


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)




Note:

(1)
The above information is for reference only. Please refer to the policy document for detailed terms, conditions and exclusions.
(2)
The above insurance plan is underwritten by Chong Hing Insurance Company Limited which is an authorised Insurer supervised by the Insurance Authority of Hong Kong.
(3)
Chong Hing Bank is an appointed insurance agent of Chong Hing Insurance Company Limited.
(4)
Contact details of Chong Hing Insurance Company Limited:
Office address: L25, Tower Two, Enterprise Square Five, 38 Wang Chiu Road, Kowloon Bay, Kowloon
Telephone number: (852) 3768 9288
Fax number: (852) 3768 1910/ 3768 9292

Customer Services Hotline:
(852) 3768 9288



>