Current Location: Home >

Domestic Care Insurance Scheme

 

China Taiping Insurance (H.K.) Co., Ltd. cordially presents you with the “Domestic Care Insurance Scheme”, an insurance plan designed for contemporary family life. In addition to its extensive coverage and hassle-free enrollment procedures, the insurance scheme offers a comprehensive range of protection against accidental losses of your household contents, buildings, and legal liability towards third parties.

 

Plan Highlights

Up to HKD1,200,000 property coverage

Up to HKD10,000,000 legal liability coverage

Coverage in respect of robbery after withdrawing cash from a bank

Coverage in respect of third-party liability arising out of renovation

Third-party liability coverage for pets

 

30-Day Free Policy Review Period

 

Upon receipt of the policy, you will have sufficient time to review the details set out in the policy. If you are unsatisfied with the policy for any reason, please return the policy to “China Taiping Insurance (H.K.) Co., Ltd.” accompanied with a written notice within 30 days after the commencement date of the policy. Shall you have not made any claim under the policy, the policy would be cancelled as per instructions and the paid premium would be refunded in full.


A.     Basic Coverage

Basic Coverage

Maximum Benefits (HKD)

Excess (HKD)

Plan 1

Plan 2

Plan 3

1. Household Contents Comprehensive Coverage

Comprehensive coverage against accidental damage to or loss of household contents

• Valuables* maximum benefit per item

• Valuables*, aggregate value

$1,200,000

 

 

$20,000

$300,000

$800,000

 

 

$10,000

$200,000

$300,000

 

 

$3,000

$100,000

Water damage:$500

Other accidents: $300

2. Household Third Party Liability

Protect the insured against legal liability arising out of causing the loss of a third party’s property, bodily injuries, or death at the insured premise

$10,000,000

$5,000,000

$2,000,000

$2,000

*Valuables refer to watches, jewelry, photography equipment, etc.


 

B.     Free Extensions

Coverage

Maximum Benefits (HKD)

Excess  (HKD)

Plan 1

Plan 2

Plan 3

1. Personal liability

a. Worldwide personal liability

Protect the insured against personable legal liability in the event that the insured causes the loss of a third party’s property, bodily injuries, or death by accident while being away fromHong Kongfor a short overseas trip (not exceeding 30 consecutive days)

b. Pet third party liability

Protect the insured against legal liability in the event that the insured’s pets (cat(s) or dog(s)) at the insured premise cause the loss of a third party’s property, bodily injuries, or death by accident.

c. Car space third party liability

Protect the insured against legal liability in the event that the insured’s car space causes a third party’s bodily injuries or death by accident.

 

 

$1,000,000

 

 

  


$500,000

 



 

$2,000,000

 

$500,000

 

 

 


$100,000

 




$1,000,000

 

 

 

 


 




 

$2,000

 

 

 

 

$2,000

  




$2,000

2. Loss or damage consequent to a household theft

a. Loss of money

b. Unlawful and unauthorized use of credit cards

c. Expenses incurred by replacing personal documents

expenses of replacing personal documents such as passport, driving license, and Hong Kong Identity Card  

d. Injuries to or death of the insured and his/her spouse incurred by home invasion burglary

e. Expenses incurred by replacing damaged windows or door locks

 

$10,000

$20,000

$2,000

 

 

$50,000

 

$5,000

 

$2,000

$10,000

$1,000

 

  

$20,000

 

$2,000

 

$1,000

 

  

$20,000

 

$300

3. Home relocation

a. Damage to household contents in the course of being moved by professional moving companies

b. Loss of household contents while being temporarily placed elsewhere during the period of relocation (not exceeding 7 days)

 

$500,000

 

$500,000

 

$150,000

 

$150,000

 

$100,000

 

$100,000

 

$300

 

$300

4. Coverage in respect of interior renovation

For interior renovation projects with contract sums and duration of construction not exceeding the following amount and days, the following protection would automatically apply under the policy without the need to making separate claims. 

Automatic coverage limit for

1. Contract sums, and

2. Duration of construction

Separate claims shall be made to the insurer for projects with contract sums and duration that exceed the amounts and number of days specified in the right column whereas additional insurance premium payable may be charged by the insurer.

a.      The contractor’s accidental damage to household contents in the course of renovation,

b.      Loss of items while being temporarily stored elsewhere for the purpose of renovation

c.      Third party liability incurred by interior renovation

Protect the renovation company commissioned by the insured against legal liability arising out of causing the loss of a third party’s property, bodily injuries, or death by accident whilst carrying out an interior renovation project. 

 

 

 



 

$500,000

60 days




 

$100,000


$300,000 


$1,000,000

 

 

 

 




$150,000

20 days




   

$50,000


$100,000


$500,000

 

 

 


 



 






 

 


 



 

 



$2,000 


$2,000 


$2,000

5. Temporary accommodation  

Protection in the event that your premise is rendered inhabitable due to accidents covered by the policy  

a. Reasonable expenses incurred by seeking temporary accommodation

b. Expenses required for temporary storage of furniture 

$60,000 (up to 30 days and up to $2,000 per day)

$30,000 ( up to 20 days and up to $1,500 per day)

$20,000 (up to 20days and up to $1,000 per day)

Costs of/for the initial three days after relocating to the temporary housing

 

6. Removal of debris

Expenses required for cleaning up debris subsequent to damage to the premise caused by accidental events covered by the policy.

$20,000

$5,000

$5,000

$300

7. Refrigerated food

Protection in respect of food spoilage due to power outages or machine faults experienced by household refrigerators  

$2,000

$1,000

$300

8. Golfer insurance

a. Third party liability

b. Damage to golf equipment in use

 

$1,000,000

$20,000

 

 

 

$2,000

$300

9. Bank cash withdrawal protection 

loss of cash due to robbery on the way home immediately subsequent to bank/ATM cash withdrawal   

$10,000

$2,000

$300

10. Home quarantine allowance

Pursuant to regulations published by the competent authority, a daily living allowance of $500 is provided in the event that the Insured is confined in the premise for quarantine due to outbreaks of infectious diseases and the Company shall at its own expenses and discretion arrange inspections of any trap/vent pipe within the Premises that constitute the building’s communal drainage system providing that the liability of the Company shall in no case exceeding of HKD300 and without applying Excess


$5,000

$2,000

$300

 

C.     Optional Supplemental Coverage

Coverage

Maximum Benefits (HKD)

Deductible (HKD)

Rate/Premium (HKD)

1. Building comprehensive coverage

Protection against the loss of household buildings caused by accidents covered by the policy, with complimentary coverage of

a. architect and surveyor consultation fees


b. expenses of cleaning up damaged household contents

 

Self-selected sum insured


 

10% of the sum insured for building protection


10% of the sum insured for building protection

 

 

$300

 

Rate 0.09%

(Contact the insurer for preferential premium rates in the event that the sum insured exceeds $2,000,000)

2. Domestic helper insurance

The employer’s liability insurance, with complimentary coverage of


• protection against loss of the domestic helper’s belongings


• expenses of repatriation to the original country of residence necessitated by health issues or death

(Age restrictions for domestic helpers: aged 18- 60)

 

$100,000,000

 



$5,000


 

$20,000

 

 

 



 

Foreign domestic helper $500



Local domestic helper  $300



in additional to government levies and surcharges

3. Property owners ‘liability insurance in respect of a building’s communal areas

  Protects the insured against their share of liability for the communal areas in the event of inadequate building insurance (building age must be under 30 years)

 

$1,000,000

(Contact the insurer for premium rates in the event that the sum insured exceeds $1,000,000)

 

 

$2,000

 

 

$3,00

 

 

Annual Premium Table (HKD)

Net Floor Area (sq. ft.)

Plan 1

Plan 2

Plan 3

800 <

1,200

800

400

801 – 1,200

1,600

1,000

500

> 1,200

Contact the Insurer

Contact the Insurer

Contact the Insurer

Note: Contact the insurer for policy terms and conditions in the event that the insured premise’s building age is over 40 years, or the insured premise is a detached house, a semi-detached house, or a village house. The insured enrolled in an insurance plan for two consecutive years is entitled to an additional 5% discount on the insurance premium rate for the two years.

 

* The information contained in the leaflet is a general summary. All items and conditions are set out in the policy.

* All the premium does not include insurance levy collected by the Insurance Authority.




China Taiping Insurance (HK) Company Limited