Fubon Home Plus Insurance Plan – Householder Insurance (the “Plan”) provides your family and even your domestic partner with multiple protections. With DIY plan, we offer you flexibility to set the sum insured according to your needs.

With Fubon Home Plus Insurance Plan – Householder Insurance, we provide you and your household members with ranges of benefits.

Liability care

Liability careLegal liabilities (such as accidental damage of public facilities due to bursting of water pipe or fire due to negligence while cooking) exist in daily life and consequences are unpredictable and can be very serious!

Legal liability coverage up to HKD15,000,000
(Including worldwide personal liability and liability as a home owner, an occupier, a pets owner, a tenant and the home owner’s liability in common area)

Lifestyle care

Lifestyle careThere are a number of free extended benefits to cater to your different lifestyles.

Unlimited number of claims within the maximum annual coverage

Worldwide protection¹

• Accidental damage to mobile phone
• Cover loss incurred by unauthorized use of credit cards due to any loss of personal property (such as mobile phone with payment app installed)
• Loss of money and replacement of personal documents

Home protection¹

• Alternative accommodation and meal allowance
• Feng Shui consultation
• Outdoor property
• 24-hour Emergency Home Assistance Service

Pets related protection

• Pets alternative accommodation¹
• Pets owner's liability

All-round and flexible insurance

All-round and flexible insuranceYou can take your pick of additional coverages and set your desired sum insured according to your own needs.

You can customize the sum insured of home contents, legal liability coverage, etc.²

A variety of value-added optional coverages at your choice:

• Building
• Personal fine art collection

To enroll or to learn more

• Call Fubon Bank Integrated Customer Service Hotline 2566 8181 (PRESS 3 AFTER LANAGUAGE SELECTION)
• Click Here to enroll in Fubon Home Plus Insurance Plan – Householder Insurance
• Click Here for HomeChoice Insurance Plan – Landlord Insurance

Benefits Table

Benefits Table

Coverage	Maximum amount (HKD)
	Standard plan
	Plan 1	Plan 2	DIY plan3
Section 1 – Legal liability
Including worldwide personal liability and liability as a home owner, an occupier, a pets owner, a tenant and the home owner’s liability in common area (Annual coverage)	10,000,000	15,000,000	At your choice
Section 2 – Home contents4
Maximum coverage (Annual coverage)	500,000	1,000,000	At your choice
A) Core benefits
• Home contents (per set)	50,000	100,000	At your choice
• Personal belongings (per set)	10,000	20,000	20,000
• Stamps, coins or medals collection (per set)	5,000	5,000	5,000
• Wine (per item)	5,000	5,000	At your choice
• Valuables (per set)	10,000 (150,000 per year)	20,000 (250,000 per year)	20,000 (Annual coverage at your choice)
B) Extended benefits
i) Your home protection
• Damage by firemen	As per maximum coverage
• Debris removal (per accident)	15,000	30,000	30,000
• Deterioration of frozen food (per accident)	2,500	5,000	5,000
• Outdoor property (per accident)	Not applicable	50,000 (2,500 per item)	At your choice
• Temporary removal (per accident)	50,000	100,000	100,000
• Moving to new home (per accident)	100,000	200,000	200,000
• Interior Decoration Period (per accident)	100,000	200,000	200,000
• Food poisoning (HKD300 per visit, HKD900 per person)	3,000	5,000	5,000
ii) Alternative accommodation
• Alternative accommodation total amount (per accident)	Not applicable	100,000	At your choice5
• Alternative accommodation (daily limit)		5,000
• Meal allowance (daily limit)		1,000
• Alternative accommodation for pets (daily limit)		5,000
• Feng Shui consultation (per accident)		3,000
			3,000
iii) Your worldwide protection
• Unauthorized use of credit cards (per accident)	Not applicable	20,000	20,000
• Loss of money (per accident)		5,000	5,000
• Replacement of personal documents (per accident)		5,000	5,000
• Accidental damage to mobile phone (per accident)		5,000	5,000
Section 3 – Accidental death (Annual coverage)	100,000
Section 4 – Emergency assistance benefits
24-hour emergency home assistance service
• Electrical, plumbing, locksmith assistances	Hassle-free cashless approach
• Others	Referral service only
Section 5 – Building6 (Optional coverage)
Accidental damage to the building	Based on rebuilding cost
Extended benefits
• Debris removal	5% of rebuilding cost
• Architects’ and surveyors’ fee	5% of rebuilding cost
Section 6 – Worldwide personal possessions7
Unspecified items (per accident)	10,000 (5,000 per item)
Specified items (Optional coverage)	Sum insured at your choice
Section 7 – Personal fine art collection (Optional coverage)	Sum insured at your choice

1	Applicable to Standard Plan 2 and DIY plan.
2	You can select your preferred sum insured from the preset amount.
3	Applicable to online enrollment and phone application only and you can select your preferred sum insured from the preset amount.
4	For a residence situated in a multistorey building which is aged at 40 years or below, the standard policy excess under Home contents section is Nil.
5	Daily limits of sub items will vary according to the selected total amount for alternative accommodation.
6	The standard policy excess applicable to landslide and subsidence under Building section is the first HKD10,000 or 10% of adjusted loss for each and every claim, whichever is the greater.
7	The standard policy excess applicable under Worldwide personal possessions section is the first HKD250 of adjusted loss for each and every claim.

Premium Table

Premium Table

		Annual premium (HKD)
Floor area (Sq Ft)8		Basic coverage		Optional coverage
Gross floor area	Saleable area	Plan 1	Plan 2	Building	Worldwide Personal Possessions (Specified items)	Personal Fine Art Collection
500 or below	400 or below	650	1,250	500	To be quoted
501-700	401-560	800	1,400	630
701-1,000	561-800	1,000	1,600	1,020
1,001-1,500	801-1,200	Not applicable	1,900	1,530
1,501-2,000	1,201-1,600		2,250	2,040
2,001-2,500	1,601-2,000		2,650	2,500
2,501-3,000	2,001-2,400		3,100	3,050
3,001-3,500	2,401-2,800		3,600	3,600
3,501 or above	2,801 or above		4,200	4,080

		Monthly premium (HKD)
Floor area (Sq Ft)8		Basic coverage		Optional coverage
Gross floor area	Saleable area	Plan 1	Plan 2	Building	Worldwide Personal Possessions (Specified items)	Personal Fine Art Collection
500 or below	400 or below	54.17	104.17	41.67	To be quoted
501-700	401-560	66.67	116.67	52.50
701-1,000	561-800	83.33	133.33	85.00
1,001-1,500	801-1,200	Not applicable	158.33	127.50
1,501-2,000	1,201-1,600		187.50	170.00
2,001-2,500	1,601-2,000		220.83	208.33
2,501-3,000	2,001-2,400		258.33	254.17
3,001-3,500	2,401-2,800		300.00	300.00
3,501 or above	2,801 or above		350.00	340.00

⁸Customer can choose either gross floor area or saleable area as the basis for calculation of premium.

24-hour Emergency Home Assistance Service

24-hour Emergency Home Assistance Service

	Standard hours	Non-standard hours
Standard area	Cashless	HKD800 surcharge
Remote area	HKD800 surcharge	HKD1,200 surcharge

24-hour Emergency Home Assistance Service must be rendered by the service provider nominated by Zurich Insurance Company Ltd. The service is only applicable to the first site inspection and repair (not including any material costs) and is subject to service availability.

Standard hours	:	Technician arrival time: 9 a.m. to 9 p.m., Monday to Sunday except public holidays
Standard area	:	Hong Kong Island, Kowloon, New Territories and Tung Chung
Remote area	:	Outlying islands except Tung Chung and restricted areas (including Mai Po, boundary control points and villages of the Frontier Closed Area, etc.)

 

 

Terms and Conditions

Major exclusions: Unexplained loss, illegal building works; electrical and mechanical breakdown; wear and tear; war; terrorism; radioactive contamination; pollution and contamination, etc.

 

Remarks:

The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. Zurich Insurance Company Ltd (“Zurich”) is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters. Zurich is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”). Fubon Bank is the licensed insurance agency appointed by Zurich , and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for approval, coverage and compensation under the Plan. In case you file a written complaint regarding the selling process or processing of the related transaction to Fubon Bank and the complaint is an “Eligible Dispute(s)” as defined in the Terms of Reference for the Financial Dispute Resolution Centre, Fubon Bank is required to enter into a Financial Dispute Resolution Scheme process with you if the Eligible Dispute cannot be resolved after Fubon Bank has issued the final written reply. If the complaint / dispute is related to the policy terms and conditions, it should be resolved directly between Zurich and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process. Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit Zurich's company website: http://www.zurich.com.hk/ia-levy. Zurich is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong. The English version shall prevail in case of inconsistency between the English and Chinese versions.