• Coverage Summary
• Premium
• Special Features
• Major Exclusions
• Free Extention
• Free 24-hour emergency assistance referral services

 

Home Comprehensive Insurance

Coverage Summary
Insured Items	Coverage	Maximum Limit (HK$) per Year
1. Household     Contents -     "All Risks"	Cover home contents against accidental losses occurring within Insured premises. ·         The maximum coverage per item of Contents is HK$60,000 ·         The maximum coverage per item of Valuables within the Insured Premises is HK$10,000 subject to $300,000 per year.	1,000,000
2. Free Extension	Replacement of damaged locks and keys or installation of damaged windows due to burglary or attempted burglary.	8,000
	Loss or damage to household contents or home appliances while being temporarily removed from home due to renovation, cleaning or repairing, HK$20,000 per item subject to the maximum limit.	100,000
	Loss or damage to Domestic Helper's property at home. HK$1,000 per item subject to the maximum limit.	25,000
	Loss of Personal Cash for you and your family members as a result of burglary.	5,000
	Loss or damage to frozen food due to the failure of refrigerator or freezer. Refrigerator must be under 5 year old.	5,000
	Temporary accommodation if the insured premises is rendered uninhabitable as a result of an accidents, up to $1,500 per day and $50,000 per year.	50,000
	In the event of fire or theft at the Insured Premises, resulting in the death of the Insured of his family members, HK$ 100,000 per person subject to a maximum HK$200,000 per family per year.	200,000
	Removal of debris as a result of Insured loss.	7,500
	Loss or damage to Home Contents while they are being moved by professional removers to a new insured risk location within Hong Kong.	100,000
3. Public Liability	Liability coverage against any claim for bodily injury or property damage against you or your family members occurring within the territory of Hong Kong and Macau.	5,000,000
4. Optional     Cover - Domestic     Helper Insurance	Plan A : Protect your legal liability under Employees' Compensation Ordinance Plan B : Provide Plan A coverage and personal accident, medical expenses, repatriation expenses, replacement and temporary helper expenses.	Please refer to Domestic Helper Insurance
Policy Excess	Applicable to Premises of Private Estate HK$500 for each and every claim HK$1,000 or 10% of loss amount for each and every water damage claim, whichever is the greater. Applicable to Premises of Public Estate HK$5,000 for each and every claim HK$10,000 or 20% of loss amount for each and every water damage claim, whichever is the greater.

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Premium

Premium Table
Annual Premium Based on gross floor area (sq. ft.) (Minimum Premium: HK$550)	Less than 500 501-700 701-1,000 1,001-1,500 1,501-2,000 2,001-2,500 More than 2,500	HK$550 HK$800 HK$1,000 HK$1,200 HK1,500 HK1,800 Negotiable
Premium of Optional Cover	Domestic Helper Protection Please refer to Domestic Helper Insurance	Plan A : (5% Discount) Plan B : (5% Discount)

Insurance Authority Premium Levy

Pursuant to the Insurance (Levy) Order and Insurance (Levy) Regulation, Insurance Companies will collect IA Premium Levy on insurance premiums from your insurance policies effecting from 1-Jan-2020 onwards. This is the legal obligation of policyholders to pay a levy when premium is paid. The levy will be collected by Insurance Companies and then remit to Insurance Authority as required by the law.

Details of levy can be referred to table below. For further information, please visit Insurance Authority Official Web https://www.ia.org.hk/.

Policy Inception Date and/or Annual Anniversary Date	Applicable Levy Rate	Cap Per General Insurance Policy Per Policy Year (HK$)
From 1 Apr 2019 till 31 March 2020 (both dates inclusive)	0.06%	3,000
From 1 Apr 2020 till 31 March 2021 (both dates inclusive)	0.085%	4,250
From 1 Apr 2021 onwards (date inclusive)	0.10%	5,000

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Special Features

• Free protection against public liability, loss of personal cash due to burglary at home, personal accidents insurance for you and your family members, etc.
• Free 24-hour emergency assistance referral services for emergency electrician, emergency plumber, air conditioning engineering, 24-hour locksmith, general repairs handyman, and 24-hour general claims assistance.

   

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Major Exclusions

War, Terrorist Act, radioactive contamination, special equipment used or profession, business or employment, contents in open area, contact lenses, mobile telephones, stamps, coins, cheques, credit cards, document of titles and manuscript, etc.

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Free Extention

In meet your protection needs, we provide the following free extensions for you:

• Replacement of damaged locks and keys or installation of damaged windows due to burglary or attempted burglary.
• Loss or damage to household contents or home appliances while being temporarily removed from home due to renovation, cleaning or repairing
• Loss of Personal Cash for you and your family members as a result of burglary.
• Loss or damage to frozen food due to the failure of refrigerator or freezer
• Temporary accommodation
• Loss or damage to Home Contents while they are being moved by professional removers to a new insured risk location within Hong Kong.
• In the event of fire or theft at the Insured Premises, resulting in the death of the Insured of his family members

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Free 24-hour emergency assistance referral services

For emergency assistance, home comprehensive insurance will provide free 24-hour emergency assistance referral services for you, including:

• emergency electrician
• emergency plumber
• air conditioning engineering
• 24-hour locksmith
• general repairs handyman
• 24-hour general claims assistance

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Governing Law of Policy: Hong Kong Special Administrative Law

For enquiries, please visit any of our outlets or call our customer service hotline.

Note:

1. The above information is supplied by China BOCOM Insurance Co., Ltd. and is for reference only. Please refer to the full wording of the policy provisions published by China BOCOM Insurance Co., Ltd. for detailed terms & conditions and exclusions.
2. The insurance plan is underwritten by China BOCOM Insurance Co., Ltd. which is authorized by the Insurance Authority to provide general insurance business. Bank of Communications (Hong Kong) Limited  is an appointed insurance agent of China BOCOM Insurance Co., Ltd.

 

Important Notice:
The insurance plan is a product of China BOCOM Insurance Co., Ltd. but not Bank of Communications (Hong Kong) Limited (the “Bank”). In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Bank and the customer out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly China BOCOM Insurance Co., Ltd. and the customer.