我的家居保險MyHomeGuard

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「我的家居保險」不僅是一個家居保險產品，它亦提供家居以外因襲擊、盜竊及意外引致損失的保障。

除此之外，它並提供環球的個人責任及個人物品保障，為您及您家人的需要而設，真正是家居保險產品的首選。

計劃特點

• 家居物品保障高達港幣6,000,000元• 個人責任保障高達港幣5,000,000元• 計劃不設樓齡或面積限制• 可因應客戶度身訂造保障額及保障範圍（根據報價 )• 增設多項附加及自選保障，照顧您的不同需要

目錄

計劃特點 ...................................................................2

保障項目 ...................................................................3

自付額 ......................................................................7

主要不保事項 ............................................................7

索償手續 ...................................................................8

重要事項 ...................................................................8

Contents

Product Highlights .................................................. 10

Benefit Table ........................................................... 11

Excess Table ............................................................15

Major Exclusions ......................................................15

Claim Procedures .....................................................16

Important Notes ......................................................16

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基本保障每年最高賠償額 (港幣)

計劃 A 計劃 B 計劃 C 根據報價

家居物品保障 $300,000 $500,000 $1,000,000 高達 $6,000,000

(1) 家居物品：• 保障您家中的家居財物因意外而導

致的實質損失或損毀每件 / 套的最高賠償金額為$100,000

(2) 指定物品：• 珠寶、手錶、皮草及美術作品 • 郵票及硬幣收藏 • 電腦系統、手提資訊器材、娛樂設備

或其他攝影器材• 貴重金屬物品、樂器、相機 / 卡式錄

放影機和配件及其他「貴重物品」或收藏品

每件 / 套的最高賠償金額為$10,000

額外保障：

• 全日制學生宿舍的家居物品 $60,000 (每件 / 套的最高賠償額為$6,000)

• 客人及家傭的家居物品 $6,000

• 儲物設施內的家居物品 $120,000或投保額的20%，以較低者為準 (每件 / 套的最高賠償額為$15,000)

• 冷凍食品 $3,000

• 商業設備 $24,000 (每件 / 套的最高賠償額為$12,000)

• 移走瓦礫 投保額的15%

• 裝修或維修 (因承包商引起) 投保額的15%

• 更換門鎖、玻璃及臨時保護 投保額的15%

• 金錢損失或未經授權使用信用咭 投保額的15%

• 損失個人文件 投保額的5%

• 物業外的「貴重物品」 每件 / 套的最高賠償金額為$10,000

• 未經授權使用公用事業 投保額的5%

保障項目

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基本保障每年最高賠償額 (港幣)

計劃 A 計劃 B 計劃 C

個人責任保障 $5,000,000

• 保障您因疏忽而導致第三者身體受傷或財物受損所需承擔之法律責任

額外住宿開支

• 因居所遭受意外損毀令致不宜居住而需另覓臨時住所之額外租金費用

建築物保障投保額的10%或家居物品保障投保額的20%或$20,000，以較低者為準

個人保障

個人意外 $300,000

盜竊引致的損傷 $2,500 $5,000 $7,500

櫃員機襲擊 $2,500 $5,000 $7,500

身份證明文件詐騙 $2,500 $5,000 $7,500

個人物品 (非特別列明財物)• 全球保障個人日常配戴或攜帶之財物因

意外導致損失或損毀$2,500 $5,000 $7,500

自選保障

建築物保障：• 保障您的樓宇結構因意外而導致的損毀

高達$20,000,000保費率: 根據報價

額外貴重物品保障 (特別列明財物)＊：• 全球保障您的指定個人財物及貴重物品

因意外導致損失或損毀

每件 / 套的最高賠償金額為$50,000保費率: 根據報價

全年保費（港幣） 計劃 A 計劃 B 計劃 C

高樓 $665 $965 $1,595

矮房 $1,085 $1,665 $2,995

備註：「矮房」即獨立屋 / 半獨立屋 / 村屋(不超過3層高，天台層不包括在內)＊申報表格必須於保單生效日起計30天內提交

「特別列明財物」即手錶 / 珠寶首飾 / 電子器材 / 皮草及皮褸 / 手袋及銀包

根據<保險業條例>(41章)，保險業監管局會於2018年1月1日開始收取保費徵費，詳情請參閱保險業監管局之官方網頁：www.ia.org.hk/tc/levy。

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自付額 (港幣)

適用於每次索償 高樓 矮房

(I) 適用於建築物保障及家居物品保障：

• 任何損失或損毀 (因火災、閃電或爆炸引致的除外)

$400 $2,000

• 因水損、風暴、固定管道漏水、山崩或下陷引致的損失或損毀

$1,500或經評定損失金額的10%，以較高者為準

$2,000或經評定損失金額的10%，以較高者為準

• 家居裝修• 裝修或維修

$7,000或經評定損失金額的10%，以較高者為準

(II) 適用於個人責任保障：

• 第三者的財物損毀 $1,500或經評定損失金額的10%，以較高者為準

(III) 適用於個人保障：

• 額外貴重物品保障 經評定損失金額的5%

• 其他 (個人意外除外) $400

主要不保事項

• 損耗、生銹、侵蝕、腐壞及貶值• 機械、電氣或電子故障• 家居動物• 因電腦程式或給電腦的指示出現任何錯誤• 任何恐怖活動 • 閣下故意損毀財物的詐騙行為

索償手續

如須 索 償，請按照以下步驟 辦 理：1. 於事發後14天內填妥賠償申請表，表格可於

www.chubb.com/hk 下載或致電安達保險香港有限公司索取(電話：3191 6656)。

2. 連同有關證明文件提交予安達保險香港有限公司。

安達 保險香港 有限公司可能會就 索 償 提出查詢或需要進一步的資料及 /或 文件，如有需要，我 們有可能會安排一名代 表 進行實地考察跟 進。

重要事項

• 資格 ‒ 適合所有居住在香港的人士，只要在香港居住並年滿18歲便可以購買

• 等候期 ‒ 保單不設有等候期，保障可即時或在特定日期生效

• 取消保單 ‒ 可隨時取消您的保單及根據保單的條款收到按比例計算的退款(最低保費為港幣$500)

• 損失 ‒ 保障生效後將保障所有受保損失

本小冊子只供參考之用，有關保單詳情，請參閱保單條款，如有任何爭議，一概以英文版本為準。

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Product Highlights

• Household contents cover up to HK$6,000,000• Personal liability insurance cover up to

HK$5,000,000• No restriction on floor area and building age• Tailor-made cover is available (Subject to quotation)• Optional Building cover and additional valuables is

available

MyHomeGuard is more than a household insurance product. It provides cover for ATM assault, injury due to theft and personal accidents outside of the home. It also provides worldwide coverage for personal liability and personal e� ects worn by the insured at the time of the loss. Not only does the superior coverage extend beyond your home, but it also provides superior protection for you and your family – a truly best-in-class product solution.

為您追求卓越，超越平凡。

Going beyond the oridinaryfor you.

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Basic CoverMax Limit Per Year (HK$)

Plan A Plan B Plan C Subject to quotation

Contents Cover $300,000 $500,000 $1,000,000 Up to $6,000,000

(1) Household Contents:• Protects your contents against accidental loss or damage

at your premisesPer item / set limit: $100,000

(2) Specific items:• Jewellery, watches, fur, and fine arts• Collectible stamps and coins • Computer systems, portable data equipment,

entertainment appliances or other photographic equipment

• Items of precious metals, musical instruments, cameras / VCR and their accessories and other Valuables or collections

Per item / set limit: $10,000

Additional Bene� ts:

• Student Hostel Accommodation $60,000 (per item / set limit: $6,000)

• Guests and Domestic Staff Contents $6,000

• Contents in Storage Facility $120,000 or 20% of Sum Insured, whichever is lower (per item / set limit: $15,000)

• Frozen Food $3,000

• Business Appliances $24,000 (per item / set limit: $12,000)

• Removal of Debris 15% of Sum Insured

• Alterations and Repairs (caused by contractors) 15% of Sum Insured

• Replacement of Locks, Glass and Temporary Protection 15% of Sum Insured

• Loss of Money or Unauthorised use of Credit Cards 15% of Sum Insured

• Loss of Personal Documents 5% of Sum Insured

• Valuables outside Premises Per item / set limit: $10,000

• Unauthorised Usage of Utilities 5% of Sum Insured

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Basic CoverMax Limit Per Year (HK$)

Plan A Plan B Plan C

Personal Liability Cover $5,000,000

• Personal liability for third party's bodily injury or property damage resulting from your negligence

Additional Accommodation Expense

• Rental expenses incurred when home becomes uninhabitable as a result of loss or damage caused by accident

$20,000 or 10% of Sum Insured for Building Cover or 20% of Sum Insured for Contents Cover, Whichever is lower

Personal Guard

Personal Accident $300,000

Injury due to Theft $2,500 $5,000 $7,500

ATM Assault $2,500 $5,000 $7,500

ID Fraud $2,500 $5,000 $7,500

Personal E� ects (Unspeci� ed items)• Protects your personal belongings carried or worn by you

against accidental loss or damage anywhere in the world$2,500 $5,000 $7,500

Optional Bene� t

Building Cover: • Protects the stucture of your home against accidental

loss or damage

Up to $20,000,000Premium Rate: Subject to quotation

Additional Valuables (speci� ed items)*:• Protects your specified personal belongings and

valuables against accidental loss or damage anywhere in the world

per item / set limit: $50,000Premium Rate: Subject to quotation

Annual Premium (HK$) Plan A Plan B Plan C

High Rise House $665 $965 $1,595

Low Rise House $1,085 $1,665 $2,995

Remarks : "Low Rise House" mean house / semi-detached house / village house of not more than 3 storeys others than roof � oors.*Declaration form must be submitted within 30 days from the policy commencement date." Speci� ed items" mean watches / electronic equipment / jewellery / handbags and wallets / fur and leather jackets.Under the “Insurance Ordinance” (Cap. 41), the Insurance Authority (IA) will start to collect the levy on insurance premiums from policy holders through insurance companies from 1 January 2018. For more details, please refer to IA’s o� cial website: www.ia.org.hk/en/levy.

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Excess (HK$)

For each and every claim

High Rise House

Low Rise House

(I) Applicable to Building and Contents Cover:

• Loss or damage other than those caused by � re, lightning or explosion

$400 $2,000

• Loss or damage caused by water damage associated with � ood, storm or � xed pipe bursting, landslip or subsidence

$1,500 or 10% of adjusted loss, whichever is greater

$2,000 or 10% of adjusted loss, whichever is greater

• Household Improvements

• Alterations and Repairs

$7,000 or 10% of adjusted loss, whichever is greater

(II) Applicable to Personal Liability Cover:

• Third party property damage

$1,500 or 10% of adjusted loss, whichever is greater

(III) Applicable to Personal Guard:

• Additional Valuables 5% of adjusted loss

• Others (Except Personal Accident) $400

Major Exclusions

• Wear and tear, rust, corrosion, gradual deterioration and depreciation

• Mechanical, electrical or eletronic breakdown• Domestic animals• Error in computer programming or instructions to

the computer• Any Acts of Terrorism• Deliberate damage to property by You – knowingly

committing fraud

Claim Procedures

In making a claim, please follow the following procedures:1. Complete the claim form within 14 days of the event

taking place which gives rise to the claims. Claim form can be downloaded at www.chubb.com/hk or call 3191 6656 for further assistance.

2. Submit the claim form together with supporting documents to Chubb Insurance Hong Kong Limited.

Chubb Insurance Hong Kong Limited may have questions or require further information and/or documents, we may arrange a representative to conduct a site visit, as necessary.

Important Notes

• Eligibility – available to anyone who reside in Hong Kong and are over 18 years of age

• Waiting Period – cover can be started immediately, or at a future date, there is no waiting period

• Cancel anytime – cancel your Policy anytime and receive a prorated refund subject to the Terms of the Policy (min. premium of HK$500)

• Losses will be covered – all insurable losses will be covered from the date insurance begins

This brochure is for reference only. For full coverage details, please refer to the terms and conditions of the Policy. In the event of any discrepancy between the English and Chinese versions, the English version shall prevail.

MyHomeGuard Brochure, Hong Kong. 我的家居保險,香港. Published 03/2019.©2019 Chubb. Coverages underwritten by one or more subsidiary companies. Not all coverages available in all jurisdictions. Chubb® and its respective logos, and Chubb.Insured.SM are protected trademarks of Chubb.©2019 安達。保障由一間或多間附屬公司所承保。並非所有保障可於所有司法管轄區提供。Chubb®及其相關標誌，以及Chubb.Insured.SM乃安達的保護註冊商標。

About Chubb in Hong Kong

Contact Us

關於安達香港

聯絡我們

Chubb is the world’s largest publicly traded property and casualty insurer. With both general and life insurance operations, Chubb has been present in Hong Kong for more than 90 years via acquisitions by its predecessor companies. Its general insurance operation in Hong Kong (Chubb Insurance Hong Kong Limited) is a niche and specialist general insurer. The company’s product o� erings include Property, Casualty, Marine, as well as Accident & Health programs for large corporates, midsized commercial and small business customers. Over the years, it has established strong client relationships by o� ering responsive service, developing innovative products and providing market leadership built on � nancial strength. More information can be found at www.chubb.com/hk.

安達為全球最大的財產及責任保險公開上市公司。安達經營一般保險及人壽保險業務，透過收購其前身公司，已立足香港超過90年。安達香港的一般保險業務 (安達保險香港有限公司) 為大型及中小企業客戶提供注重在特定領域的保險產品，包括財產、責任、水險和意外及醫療保險服務。多年來，公司憑著其雄厚實力，在具有市場領導地位上致力於開創新產品，提供優質服務，並且建立穩健的客戶關係，與時並進。

如欲獲取更多資料可瀏覽www.chubb.com/hk。

Chubb Insurance Hong Kong Limited39/F, One Taikoo Place979 King's RoadQuarry Bay, Hong KongO +852 3191 6800F +852 2560 3565www.chubb.com/hk

安達保險香港有限公司香港鰂魚涌英皇道979號太古坊一座39樓電話 +852 3191 6800傳真 +852 2560 3565www.chubb.com/hk