Online application discount:30%

Discount for Public Bank (Hong Kong)
Credit Card cardholders*: 40%.
*Prior registration is required to enable Internet transaction. Click here to download Internet transaction registration form

  
           Insurance Services  

  

  

 
 
 

PublicHome Insurance
Major Exclusions
PublicHome Insurance - Claims Guide
Cancellation/Amendment Policy
 
 
PublicHome Insurance
Important Notice: This is a brief description of insurance coverages. Please refer to the policy document for details of insurance conditions and exceptions. If there is any conflict between the English version and the Chinese version of this document, the English version shall prevail.
Standard Insurance Covers 
Maximum Limits
(HK$) 
(1) Household Contents "All Risks"

- Covers your Household Contents against "All Risks" of loss or damage including fire, typhoon, explosion, burglary and other mishaps. Claims are paid on current market value basis without deduction for depreciation

- Your valuable property (such as jewellery, watches, furs, musical instrument, works of art, antique, photographic equipment and the like) are also covered up to HK$15,000 each item and HK$300,000 in aggregate any one accident
 

Free Additional Benefits

- Reimbursement of temporary accommodation expenses at HK$1,500 per day when your Home is rendered uninhabitable after an insured accident

- Loss or damage to your Household Contents temporarily removed from your Home for storage purposes

- Loss or damage to your personal effects in your usual workplace

- Loss of money and unauthorized use of credit cards

- Accidental damage to refrigerated food

- Loss or damage to domestic servant’s property

- Removal of debris expenses

- Repair or replacement of external doors, windows, door locks, and keys damaged as a result of burglary or attempted burglary
 

Policy Excess:-

- If your Home has been built for 20 years or less, the policy excess applicable under this Section shall be the first HK$200 in respect of each and every claim.

- If your Home has been built for more than 20 years, the policy excess applicable under this Section shall be the first HK$5,000 of each and every claim in respect of water damage loss and HK$200 in respect of any other claim.

 
(2) Occupier’s & Personal Liability

Protects you and your family members against legal liabilities towards third parties for their bodily injury or property damage caused by your or your family members’ negligence
(Liability as building owner is not covered. If required, please apply Optional Cover.)
 

Worldwide Extension

This protection is extended to operate worldwide when you travel aboard for not exceeding 30 consecutive days
(For traveling in U.S.A. and Canada, you are covered up to HK$1,500,000 any one year)
 

Policy Excess:-

If your Home has been built for more than 20 years, the policy excess applicable under this Section shall be the first HK$5,000 of each and every claim in respect of water damage to third party property.

 
(3) Family Personal Accident

- Offers compensation if you or your spouse suffers accidental death as a result of fire explosion or robbery at Home
- Reimbursement of medical expenses if you or your spouse suffers accidental injury as a result of fire explosion or robbery at Home

 
(4) Home Assistance Services

24-Hour Hotline Assistance Services for referrals to locksmiths, plumbers, electricians, doctors, dentists, nurses, baby-sitters, pest-control, house-cleaners, etc.
(These are referral services only and you are responsible for the actual costs incurred)



$1,000,000









$50,000


$50,000


$5,000

$3,000

$3,000

$3,000

$50,000

$3,000















$5,000,000









¡@

¡@

¡@

¡@

¡@

¡@

¡@

¡@

$50,000 each person

$50,000 each person




Referral services  
Optional Insurance Covers
(Operative Upon Payment Of Additional Premium)  
Maximum Limits (HK$)
(5) Worldwide Personal Effects

"ALL RISKS"

Provides worldwide protection for your valuables and personal effects against "All Risks" of accidental loss or damage
Policy Excess: HK$200

 
(6) Domestic Servants

- Protects you against liabilities as employer towards your domestic servants arising out of their accidental injury whilst at work

- Additionally pays for in-hospital medical expenses incurred by your domestic servants
(This Section only applies to domestic servants aged not over 65.)

 
(7) Golfer Insurance Package

Protects you and your family whilst playing or practising golf on any recognized golf course or recognized driving range all over the world

- provides indemnity against legal liabilities to third party for bodily injury and property damage
(If accidents occur in USA or Canada, you are covered up to HK$1,500,000 any one year)

- covers accidental death or loss of one or more limbs or eyes
Age Group: 18-65 HK$300,000 each person

12-17 HK$150,000 each person


- covers accidental loss of or damage to your golfing equipments whilst in direct transit to or from or whilst at recognized golf club
Policy Excess: HK$200

- reimburse bar expenses incurred as a result of achieving a Hole-in-One
(This Section is available for the Proposers aged between 12 to 65.)




$30,000
($5,000 any one item)



$100,000,000


$5,000 per year







$5,000,000




$300,000 each person


25,000 per year
($2,500 any one item)

$10,000

 

Major Exclusions
This insurance contains the following major exclusions:
  • Loss or damage due to war, terrorism or nuclear or cyber risks
  • Uninsurable risks such as wear and tear, scratching, rust, corrosion
  • Theft or water damage if your Home is unoccupied for more than 30 consecutive days
  • Loss of or damage to property for business or profession purposes
  • Intentional vandalism or damage by a person lawfully in your Home
  • Loss or damage to portable phone, contact lens and pagers
  • Electrical or mechanical breakdown of equipment
  • Loss of property by disappearance not identified with any specific occurrence
 

PublicHome Insurance - Claims Guide
 

Section (1) - Household Contents "All Risk"
  • Please state the circumstances and how the loss was discovered on the Claim Form.
  • Please attach the original of the purchase receipts for the lost or damaged items.
  • Please provide photographs showing the damaged items and retain the damaged items for inspection purposes.
  • For the Fire, Explosion, Typhoon, Flooding or any other serious loss or damage accidents, please contact us immediately.
  • For the Burglary claim, please notify the police within 24 hours after discovery of the loss and attach the relevant document, or report.
 

Loss of Money

Please notify the police within 24 hours after discovery of all losses of Money and attach the relevant document or report. And also, please state the circumstances, amount of loss and how the loss was discovered on the Claim Form.
 

Loss of or Authorized Use of Credit Card

Please notify the police and the issuer of credit cards within 24 hours after discovery of all losses of Credit Cards and attach the relevant document or report. And also, please state the circumstances, amount of loss and how the loss was discovered on the Claim Form.
 

Section (2) - Occupier’s Personal Liability
  • Please do not admit liability on or enter into any settlement agreement with the third party without our written consent.
  • In the event of any occurrence which may give rise to a third party claim, please notify us and also provide the details of accident as soon as possible.
  • If you have received any third party claim, please forward all correspondences or legal documents to us immediately.

 

Section (3) - Family Personal Accident

Please contact us immediately.
 

Section (5) - Worldwide Personal Effects "All Risk"

  • Please state the circumstances and how the loss was discovered on the Claim Form.
  • Please attach the original of the purchase receipts for the lost or damaged items.
  • Please provide photographs showing the damaged items and retain the damaged items for inspection purposes.
  • For the Burglary claim, please notify the police within 24 hours after discovery of the loss and attach the relevant document, or report.

 

Section (6) - Domestic Servants

Please contact us immediately.
 

Section (7) - Golfer Insurance Package
  • Please state the circumstances and how the loss was discovered on the Claim Form.
  • Please attach the original of the purchase receipts for the lost or damaged items.
  • Please provide photographs showing the damaged items and retain the damaged items for inspection purposes.
  • For the Burglary claim, please notify the police within 24 hours after discovery of the loss and attach the relevant document, or report.
  • In the event of any occurrence which may give rise to a third party claim, or if you have received any third party claim, please notify us and provide the details of accident as soon as possible. And also, all correspondences or legal documents received from third party shall be forwarded to us immediately.
  • If the Insured and/or his/her spouse has/have suffered any accidental death or injury, please contact us immediately.
  • For "Hole-in-One" claim, please attach the Certificate or Letter of Proof issued by any recognized golf course or driving range. To reimburse the bar expenses which incurred on the same date of achieving a Hole-in-One, please attach the original of the receipt.

 

For any inquiry, please call our Claims Hotline: 3606-9196 Fax Hotline: 2810-0218

Back to top
 
 
Cancellation/Amendment Policy

Once the on-line application is approved, any request for cancellation of this insurance shall be made by the Insured person along with HKID and a copy of the policy at any Public Bank (Hong Kong) branches. In addition, administration fee of HK$ 100 and a minimum premium per policy of HK$ 400 will be charged.

 

Underwritten by Asia Insurance

Insurance Product Enquiry Hotline:

(852) 2853 4631

e-Banking Support Hotline:

(852) 2541 9206

 

Back to top