家居财物保险计划

HomeplusHomeContentsInsurancePlanEHP/001/09/2009PersonalaccidentcoverHomeremovalcoverGlobalprotectionforyourpersonalpossessionsJointheHomeplusHomeContentsInsurancePlanandyoucanenjoyafreeworldwidecoverageofmoneyuptoHK$2,000.Shouldyouwanttoextendtheworldwideprotectiontoyourpersonalbelongingsandvaluables,youcanchoosefromtwooptionalcoveragelistedbelow:UnspecifiedpersonalpossessionsThiscoversthebelongingsyounormallywearandcarry.ThemaximumbenefitperitemisHK$5,000or20%ofthesuminsured,whicheverislower.Itisnotrequiredtosubmitanyvaluationorsalesreceipt.SpecifiedpersonalpossessionsThiscoversanyspecifiedpersonalbelongingswhichareworthmorethanHK$5,000.Thesuminsuredcanbedeterminedbasedonthevalueofthepersonalbelongings.Itisrequiredtogivethedescription,suminsuredandattachavaluationorsalesreceiptofeachitemtobeinsured.*AfreereplacementcostofuptoHK$500forlossofIDcards,creditcardsorpassportifunspecifiedpersonalpossessionsorspecifiedpersonalpossessionsiseffected.At-A-Glancepremiumtable-interestfreemonthlyinstalment*Theaboveservicesareonreferralorarrangementbasisonly,exceptthelocksmithassistancewhichcanbeindemnifieduptoHK$500perincident.7-dayclaimsprocessingguaranteedZurichwillsettleyourclaimswithin7workingdays,oncewehavereceivedalltherequireddocuments.Simplyfollowthissimpleclaimsprocedure:•InformZurichaftertheincidentbyphone,faxormailassoonaspossible.•CompleteandreturntheclaimformalongwithallnecessarydocumentstoZurich.Notes:1.Theinsuredwillbearthefollowingexcessforeveryclaim:homecontents-thefirstHK$500or10%ofeachincidentofdamage,whicheverisgreater(exceptdamagecausedbyfire,lightning,explosionorearthquake);homeremoval-thefirstHK$500;worldwidecoverageofmoney-thefirstHK$500;unspecifiedorspecifiedpersonalpossessions-thefirstHK$500.2.Compensationispaidonanewforoldbasiswithoutanydepreciationexceptclothingandfurs.3.Thehomeemergencyassistanceenquiryservicesareonreferralorarrangementbasisonly,exceptthelocksmithassistancewhichcanbeindemnifieduptoHK$500perincident.4.AfreereplacementcostofuptoHK$500forlossofIDcards,creditcardsorpassportifunspecifiedpersonalpossessionsorspecifiedpersonalpossessionsiseffected.Thisleafletisonlyasummaryanddoesnotconstituteanypartofthecontract.Forfulltermsandconditions,pleaserefertothepolicydocumentitself.ZurichInsuranceCompanyLimitedreservestherightoffinalapproval.AboutZurichCoverage•Damageorlossofcontentscausedbyprofessionalremoversonthewaytoyournewhome•Damageorlossofcontentswhicharetemporarilystoredinafurnituredepositoryforupto7days•Damageorlossofcontentstemporarilyremovedfromyourhomeforcleaning,repairingorrenovationMaximumbenefits(HK$)30,00030,000LegalliabilitycoverCoverageOwner’s,Occupier’sandPersonalliability•Legalliabilityasowneroroccupierofthepremisesforbodilyinjurytothirdpartyordamagetothirdpartyproperty•Legalliabilityforbodilyinjurytothirdpartyordamagetotheirpropertycausedbyyourpets•PersonalliabilityofyouandyourfamilymemberswhoaccidentallycausebodilyinjurytoothersordamagethirdpartypropertyTenant’sliability•LiabilityofyouandyourfamilymembersasthetenantswhonegligentlycauseanydamagetothepremisesMaximumbenefits(HK$)5,000,0005,000,000AlternativeaccommodationcoverCoverageAdditionalexpensesoftemporarystorageoffurnitureandalternativeaccommodationforyourfamilyanddomesticpets,shouldyourhousebeinhabitableduetodamagebyaccidentMaximumbenefits(HK$)30,000(1,500/day)CoverageAccidentaldeathwithin3monthsasadirectresultoffireortheftinyourhomeMaximumbenefits(HK$)200,000(50,000/person)Subjecttotheinsurancecoverofrespectivepolicies,anyindividualinsuredcanenjoyuptoamaximumlimitofHK$5,000,000terrorismcoverperlifeinaggregateofallmultiplepoliciesissuedbyourcompanyand/orrelatedcompaniesHomeemergencyassistanceenquiryservicesCoverage•Overseastelephonemedicaladviceassistance•Emergencyhouse-callnurseassistance•Locksmithassistance•Plumbingassistance•Electricalassistance•Generalrepairassistance•Air-conditionerengineeringassistance•Generalclaimsassistance•Householdappliancereferral•Homecleaningreferral•PestcontrolreferralPremiumtableforglobalpersonalpossessionsprotectionOptionsUnspecifiedpersonalpossessionsSpecifiedpersonalpossessions(subjecttoarticlelimituptoHK$50,000)Premiumin%oftotalsuminsuredofthissection1.5%1.25%Homeplusofferssixpre-setplansbasedonthehomefloorareaGrosshomearea(Sq.ft)Yearlypremium(HK$)lessthan550960551-7501,300751-9001,550901-1,2001,9501,201-1,5002,3501,501-2,0002,850ComprehensiveprotectionthatrestsyourmindAnaccidentalfire,aburglary,suddenstormorothercalamityinyourhomecaninducesizablefinancialloss.HomeplusHomeContentsInsurancePlanprovidestheinsuranceprotectionagainstalltheseunpredictableincidents.WithHomeplusHomeContentsInsurancePlan,youcanrestassuredyourhomecontentsareprotectedinawaythatiseasyonthepocket.BenefitstableHomecontentsandpersonalbelongingscoverageuptoHK$1millionWithwidestcoverageofperilsunderthiscomprehensiveplan,youcanreceiveasmuchasHK$1,000,000compensationshouldanyofthefollowingmisfortunescausedamagetoyourhomecontentsandpersonalbelongingsonyourpremises.Compensationispaidonanewforoldbasiswithoutanydepr