Personal Insurance

Personal Insurance

Travel Insurance

Travel insurance covers various accidents that may occur during your overseas travel. Medical Expenses, Worldwide Emergency Services, Hospital Cash Allowance, Personal Accident, Personal Money, Baggage, Personal Liability, Travel Delay, Cancellation and Curtailment of Trip benefits are all included. Travel Insurance Plan provides Single Trip Cover, Annual Global Cover to meet your different travel insurance needs

Main policy Benefits:

  1. Medical and Related Expenses
  2. Worldwide Emergency Assistance Service
  3. Personal Accident
  4. Baggage and Personal Effects
  5. Baggage Delay
  6. Loss of money or unauthorized use of credit card
  7. Personal Liability
  8. Travel Inconvenience
  9. Loss of Deposit or Cancellation of Trip
  10. Trip Curtailment
* This insurance is only valid for travel originated from Hong Kong.

Personal Insurance

Private Vehicle Insurance

According to the Motor Vehicles Insurance (Third Party Risks) Ordinance, Chapter 272 of the Laws of Hong Kong, anyone who uses a car on the road in Hong Kong must have a valid third-party injury or death liability insurance that complies with the regulations.

Private Vehicle Insurance Protects you from third-party liability claims with comprehensive car insurance to ensure you drive with peace of mind.

Third-party liabilities Cover

Covers your legal liability to any third parties, including the death of or bodily injury to third parties as well as damage to the property of third parties.

Comprehensive Cover

On top of the coverage provided of Third-Party Liabilities Cover, Comprehensive Cover covers loss of or accidental damage to your car. You can also enjoy various extra benefits.

Personal Insurance

Personal Accident Insurance

Accidents can happen to anyone. Personal Accident Benefit helps you and your family to overcome the bad times by making sure there are no financial worries.

Main policy Benefits:

  1. Personal accident
  2. Medical Expenses Cover
  3. Personal Liability
  4. No claim discount

Personal Insurance

Individual Medical Insurance

The Hong Kong public healthcare system is overstretched, while private hospitals are expensive. Given this, the public’s demand for medical insurance has dramatically increased. Individual medical insurance mainly provides coverage for out-of-pocket reasonable medical expenses caused by injuries and illnesses, offers financial support for the insured and their family members, and pays for medical costs and follow-up treatments.

Main policy Benefits:

  1. Surgical benefits
  2. Miscellaneous charges
  3. Attending doctor’s visit fee
  4. Surgeon’s fee
  5. Anesthetist’s fee
  6. Operating theatre charges
  7. Pre- & post-hospitalisation benefits
  8. Emergency outpatient treatment benefit

Personal Insurance

Domestic Helper Insurance

In Hong Kong, domestic helpers serve a vital role. Domestic helpers ease your workload by taking care of your daily household chores, enabling us to focus on providing for our family’s financial future and spending quality time with our loved ones. Rather than just protecting you against legal liabilities as an employer, Domestic Worker Insurance coverage enables you to take additional and proper care of those who care for your family by purchasing additional medical coverage for your helper’s hospitalization, surgical, outpatient and dental expenses.

Main policy Benefits:

  1. Employees’ Compensation
  2. Hospitalization & Surgical Expenses
  3. Service interruption cover
  4. Personal Accident Insurance
  5. Repatriation Expenses
  6. Replacement Expenses
  7. Fidelity Coverage

Personal Insurance

Home Insurance

Whether you’re a homeowner, landlord or tenant, enjoy peace of mind with Home Insurance, designed to protect your home and the cherished items in it. Home Insurance provides comprehensive protection against loss or damage caused by fire, burglary, typhoon, earthquake, flood, broken water pipe and other disasters, and also protects you and your family members against legal liability towards third parties for their bodily injury or property damage caused by you or your family member’s negligence. You can also add coverage to suit your individual needs as a landlord, tenant, occupier or property owner.

Main policy Benefits:

  1. Household Contents
  2. Personal Effects Worldwide Cover
  3. Third Party Legal Liability
  4. Loss of Rent
  5. Emergency home assistance service

Personal Insurance

Fire Insurance

Dry weather, violating appliances, etc. are all potential factors that cause fires, and fire insurance is the best way for us to get compensation when we suffer losses. Fire insurance is not just to protect the mortgage provider, but in case the structure of the building is damaged (natural disaster or man-made), the fire insurance can ensure your home will be up and running again quickly. That way, things will be back to normal as soon as possible.

Main policy Benefits:

  1. “Damage” caused by fire, or by lightning, or by explosion of boilers or gas used for domestic purposes only
  2. Incidental damage to property caused by a fire in the building or neighborhood of the insured property
  3. Property damage by water or otherwise by the Fire Services Department during fire-fighting