ASIA SUPERIOR HOME INSURANCE

Enjoy all-round protection for you, your family and your belongings

Why you will like this:

Cover your household belongings and protects you against personal liability

Premium as low as HKD 550

Get 24/7 hotline support to connect you with repairs, care and more

Who can apply:

Homeowners and tenants

Apply now
 

Apply to enjoy 20% premium discount

Protect the things you treasure with Asia Superior Home Insurance

FEATURES AND BENEFITS
Home Contents Coverage

Home Contents Coverage

Get up to HKD 1.8 million in coverage for the things you own and value at home.

Personal Liability Coverage

Personal Liability Coverage

Stay protected with up to HKD 10 million if you accidentally cause injury or damage to others.

Affordable premiums

Affordable premiums

Enjoy coverage that gives you peace of mind — with plans starting from just HKD 550.

New-for-old replacement

New-for-old replacement

Receive brand-new replacements for lost or damaged items — not just their used value.

Extra protection at no extra cost

Extra protection at no extra cost

Get free policy extensions that give you broader protection for your everyday needs.

24/7 Emergency Home Assistance

24/7 Emergency Home Assistance

We’ll connect you with help for home repairs, medical needs, caregiving or cleaning — so you’re never left to manage on your own.

Protection Anywhere, Anytime

Protection Anywhere, Anytime

Enjoy worldwide coverage for your personal belongings, with optional add-ons to insure your domestic helper too.

Standard Insurance Cover Smart Plan
Maximum Limits (HK$)		 Excellence Plan
Maximum Limits (HK$)

Home Contents

Provides “All Risks” cover for any accidental loss or damage to your Home Contents, including fire, typhoon, burst of water pipe and burglary. Claims are paid on current market value basis without deduction for depreciation.

$1,200,000/year

$1,800,000/year

a. Sub-limit for Valuables

$300,000/year

$300,000/year

b. Limit per item:


• Home Contents (other than household appliances & domestic furniture, fixtures & fittings)

$15,000

$20,000

• Valuables

$15,000

$20,000

Free Extensions

(A) Building Betterment


Loss of or damage to interior building improvement &/or betterment of your Home

$200,000/year

$300,000/year

• Limit for damage to windows

$10,000/year

$15,000/year

(B) Alternative Accommodation


Reimbursement of reasonable temporary accommodation expenses when your Home is rendered uninhabitable resulting from an insured accident

$50,000/occurrence
$1,500/day

$50,000/occurrence
$2,000/day

(C) Personal Effects in Workplace


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

$5,000/occurrence

$5,000/occurrence

(D) Money, Credit Cards and Personal Documents


(1) & (2) Loss of money &/or loss due to unauthorised use of credit cards occurring within Hong Kong

$3,000/occurrence

$3,000/occurrence

(3) Replacement cost for loss of personal documents in Hong Kong

$2,000/occurrence

$2,000/occurrence

(E) Contents temporarily Removed from Home


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

$50,000/occurrence

$50,000/occurrence

(F) Interior Alteration Works


Accidental damage to your Home Contents during interior alteration/ repairs period not exceeding 2 months

$100,000/occurrence

$200,000/occurrence

• Maximum Contract Value

$100,000

$200,000

(G) Home Removal by Professional Mover


Accidental loss of or damage to your Home Contents whilst being moved by professional movers between your current Home & your new Home within Hong Kong

$30,000/year
$3,000/item

$50,000/year
$5,000/item

(H) Refrigerated Food


Accidental damage to refrigerated food in the home refrigerator

$3,000/occurrence

$5,000/occurrence

(I) Loss or Damage to Wine


Accidental loss of or damage to un-opened bottle of wine in your Home

$5,000/occurrence

$10,000/occurrence

• Limit per bottle

$500

$1,000

(J) Domestic Helper’s Property


Loss of or damage to your domestic helper’s personal properties situated in your Home

$3,000/occurrence

$3,000/occurrence

(K) Removal of Debris


Reasonable cost of removal of debris when your Home Contents are accidentally damaged

$50,000/occurrence

$75,000/occurrence

(L) External Doors Windows and Locks


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

$3,000/occurrence

$5,000/occurrence

(M) Damage to Landlord’s Property


Accidental loss of or damage to landlord’s fixtures & fittings in your Home

$100,000/year

$150,000/year

• Limit per item

$15,000

$20,000

(N) Landslip & Subsidence


Cover for loss of or damage to your Home Contents caused by subsidence of the site or landslip

Subject to the respective Maximum Limit under Section 1 hereof

Home Contents

Provides “All Risks” cover for any accidental loss or damage to your Home Contents, including fire, typhoon, burst of water pipe and burglary. Claims are paid on current market value basis without deduction for depreciation.

Smart Plan
Maximum Limits (HK$)

$1,200,000/year

Excellence Plan
Maximum Limits (HK$)

$1,800,000/year

a. Sub-limit for Valuables

Smart Plan
Maximum Limits (HK$)

$300,000/year

Excellence Plan
Maximum Limits (HK$)

$300,000/year

b. Limit per item:


• Home Contents (other than household appliances & domestic furniture, fixtures & fittings)

Smart Plan
Maximum Limits (HK$)

$15,000

Excellence Plan
Maximum Limits (HK$)

$20,000

• Valuables

Smart Plan
Maximum Limits (HK$)

$15,000

Excellence Plan
Maximum Limits (HK$)

$20,000

Free Extensions

(A) Building Betterment


Loss of or damage to interior building improvement &/or betterment of your Home

Smart Plan
Maximum Limits (HK$)

$200,000/year

Excellence Plan
Maximum Limits (HK$)

$300,000/year

• Limit for damage to windows

Smart Plan
Maximum Limits (HK$)

$10,000/year

Excellence Plan
Maximum Limits (HK$)

$15,000/year

(B) Alternative Accommodation


Reimbursement of reasonable temporary accommodation expenses when your Home is rendered uninhabitable resulting from an insured accident

Smart Plan
Maximum Limits (HK$)

$50,000/occurrence
$1,500/day

Excellence Plan
Maximum Limits (HK$)

$50,000/occurrence
$2,000/day

(C) Personal Effects in Workplace


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

Smart Plan
Maximum Limits (HK$)

$5,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$5,000/occurrence

(D) Money, Credit Cards and Personal Documents


(1) & (2) Loss of money &/or loss due to unauthorised use of credit cards occurring within Hong Kong

Smart Plan
Maximum Limits (HK$)

$3,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$3,000/occurrence

(3) Replacement cost for loss of personal documents in Hong Kong

Smart Plan
Maximum Limits (HK$)

$2,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$2,000/occurrence

(E) Contents temporarily Removed from Home


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

Smart Plan
Maximum Limits (HK$)

$50,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$50,000/occurrence

(F) Interior Alteration Works


Accidental damage to your Home Contents during interior alteration/ repairs period not exceeding 2 months

Smart Plan
Maximum Limits (HK$)

$100,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$200,000/occurrence

• Maximum Contract Value

Smart Plan
Maximum Limits (HK$)

$100,000

Excellence Plan
Maximum Limits (HK$)

$200,000

(G) Home Removal by Professional Mover


Accidental loss of or damage to your Home Contents whilst being moved by professional movers between your current Home & your new Home within Hong Kong

Smart Plan
Maximum Limits (HK$)

$30,000/year
$3,000/item

Excellence Plan
Maximum Limits (HK$)

$50,000/year
$5,000/item

(H) Refrigerated Food


Accidental damage to refrigerated food in the home refrigerator

Smart Plan
Maximum Limits (HK$)

$3,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$5,000/occurrence

(I) Loss or Damage to Wine


Accidental loss of or damage to un-opened bottle of wine in your Home

Smart Plan
Maximum Limits (HK$)

$5,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$10,000/occurrence

• Limit per bottle

Smart Plan
Maximum Limits (HK$)

$500

Excellence Plan
Maximum Limits (HK$)

$1,000

(J) Domestic Helper’s Property


Loss of or damage to your domestic helper’s personal properties situated in your Home

Smart Plan
Maximum Limits (HK$)

$3,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$3,000/occurrence

(K) Removal of Debris


Reasonable cost of removal of debris when your Home Contents are accidentally damaged

Smart Plan
Maximum Limits (HK$)

$50,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$75,000/occurrence

(L) External Doors Windows and Locks


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

Smart Plan
Maximum Limits (HK$)

$3,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$5,000/occurrence

(M) Damage to Landlord’s Property


Accidental loss of or damage to landlord’s fixtures & fittings in your Home

Smart Plan
Maximum Limits (HK$)

$100,000/year

Excellence Plan
Maximum Limits (HK$)

$150,000/year

• Limit per item

Smart Plan
Maximum Limits (HK$)

$15,000

Excellence Plan
Maximum Limits (HK$)

$20,000

(N) Landslip & Subsidence


Cover for loss of or damage to your Home Contents caused by subsidence of the site or landslip

Smart Plan
Maximum Limits (HK$)

Subject to the respective Maximum Limit under Section 1 hereof

Excellence Plan
Maximum Limits (HK$)

Subject to the respective Maximum Limit under Section 1 hereof

Standard Insurance Cover Smart Plan
Maximum Limits (HK$)		 Excellence Plan
Maximum Limits (HK$)

Public Liability

Protects you against legal liability towards third parties for their bodily injury or property damage arising out of negligence of:

  • you & your family members as an occupier of the Home
  • you & your family members as an individual in Hong Kong or worldwide when travelling aboard for any one journey not exceeding 30 consecutive days (For travelling in the U.S.A. and / or Canada, you are covered up to HK$1,500,000 any one year)
  • you as an owner of the Home building
  • you & your family members as a domestic pet owner
  • your domestic helper(s) for your household work in the course of employment with you

$5,000,000/occurrence

$10,000,000/occurrence

Free Extensions

(A) Interior Alteration Liability


Liability arising out of interior alteration/ repairs for contract period less than 2 months

$1,000,000/year

$1,000,000/year

• Maximum Contract Value

$100,000

$200,000

(B) Owner’s Legal Liability in Common Parts


Owner’s Liability in respect of Common Parts of the Building of which the Home forms part

$5,000,000/year

$5,000,000/year

Public Liability

Protects you against legal liability towards third parties for their bodily injury or property damage arising out of negligence of:

  • you & your family members as an occupier of the Home
  • you & your family members as an individual in Hong Kong or worldwide when travelling aboard for any one journey not exceeding 30 consecutive days (For travelling in the U.S.A. and / or Canada, you are covered up to HK$1,500,000 any one year)
  • you as an owner of the Home building
  • you & your family members as a domestic pet owner
  • your domestic helper(s) for your household work in the course of employment with you
Smart Plan
Maximum Limits (HK$)

$5,000,000/occurrence

Excellence Plan
Maximum Limits (HK$)

$10,000,000/occurrence

Free Extensions

(A) Interior Alteration Liability


Liability arising out of interior alteration/ repairs for contract period less than 2 months

Smart Plan
Maximum Limits (HK$)

$1,000,000/year

Excellence Plan
Maximum Limits (HK$)

$1,000,000/year

• Maximum Contract Value

Smart Plan
Maximum Limits (HK$)

$100,000

Excellence Plan
Maximum Limits (HK$)

$200,000

(B) Owner’s Legal Liability in Common Parts


Owner’s Liability in respect of Common Parts of the Building of which the Home forms part

Smart Plan
Maximum Limits (HK$)

$5,000,000/year

Excellence Plan
Maximum Limits (HK$)

$5,000,000/year

Standard Insurance Cover Smart Plan
Maximum Limits (HK$)		 Excellence Plan
Maximum Limits (HK$)

Family Personal Accident

Protects you & your family members for accidental death as a result of fire explosion or robbery at Home

$200,000/year
$50,000/ person

$300,000/year
$100,000/ person

Free Extension

Reimbursement of medical expenses if you or your family members suffers accidental injury as a result of fire explosion or robbery at Home

$20,000/year
$5,000/ person

$20,000/year
$5,000/ person

Family Personal Accident

Protects you & your family members for accidental death as a result of fire explosion or robbery at Home

Smart Plan
Maximum Limits (HK$)

$200,000/year
$50,000/ person

Excellence Plan
Maximum Limits (HK$)

$300,000/year
$100,000/ person

Free Extension

Reimbursement of medical expenses if you or your family members suffers accidental injury as a result of fire explosion or robbery at Home

Smart Plan
Maximum Limits (HK$)

$20,000/year
$5,000/ person

Excellence Plan
Maximum Limits (HK$)

$20,000/year
$5,000/ person

Standard Insurance Cover Smart Plan
Maximum Limits (HK$)		 Excellence Plan
Maximum Limits (HK$)

Home Assistance Services

24-Hour Hotline Assistance Services for referrals to locksmiths, plumbers, electricians, doctors, dentists, nurses, baby-sitters, pest- control, house-cleaners, etc.

Referral services
(These are referral services only and you are responsible for the actual costs incurred)

Home Assistance Services

24-Hour Hotline Assistance Services for referrals to locksmiths, plumbers, electricians, doctors, dentists, nurses, baby-sitters, pest- control, house-cleaners, etc.

Smart Plan
Maximum Limits (HK$)

Referral services
(These are referral services only and you are responsible for the actual costs incurred)

Excellence Plan
Maximum Limits (HK$)

Referral services
(These are referral services only and you are responsible for the actual costs incurred)

Optional Insurance Cover
(Operative upon Payment of Additional Premium)		 Smart Plan
Maximum Limits (HK$)		 Excellence Plan
Maximum Limits (HK$)

Worldwide Personal Effects

Provides worldwide protection for your valuables & personal effects against “All Risks” of accidental loss or damage

$30,000/year
$5,000/item

Worldwide Personal Effects

Provides worldwide protection for your valuables & personal effects against “All Risks” of accidental loss or damage

Smart Plan
Maximum Limits (HK$)

$30,000/year
$5,000/item

Excellence Plan
Maximum Limits (HK$)

$30,000/year
$5,000/item

Optional Insurance Cover
(Operative upon Payment of Additional Premium)		 Smart Plan
Maximum Limits (HK$)		 Excellence Plan
Maximum Limits (HK$)

Domestic Helper Insurance *

Protects you against legal liability as an employer under the Employees’ Compensation Ordinance and at Common Law if your domestic helper suffers an injury or disease arising out of & in the course of employment with you


* 1. Applicable to overseas or local domestic helper aged from 18 to 65 years old
* 2. Domestic helper with driving duty and post-natal care helper are not covered

$100,000,000/event

Free Extension

Additionally pays for in-hospital medical expenses incurred by your domestic helper

$5,000/year

Domestic Helper Insurance *

Protects you against legal liability as an employer under the Employees’ Compensation Ordinance and at Common Law if your domestic helper suffers an injury or disease arising out of & in the course of employment with you


* 1. Applicable to overseas or local domestic helper aged from 18 to 65 years old
* 2. Domestic helper with driving duty and post-natal care helper are not covered

Smart Plan
Maximum Limits (HK$)

$100,000,000/event

Excellence Plan
Maximum Limits (HK$)

$100,000,000/event

Free Extension

Additionally pays for in-hospital medical expenses incurred by your domestic helper

Smart Plan
Maximum Limits (HK$)

$5,000/year

Excellence Plan
Maximum Limits (HK$)

$5,000/year

EXCESS (EACH AND EVERY CLAIM)

Section 1 - Home Contents

Water Damage claim
Home Removal claim
Landslip & Subsidence claim
Other claims
HK$500 or 5% of loss whichever is the greater for Building aged 30 or below
HK$3,000 or 10% of loss whichever is the greater for Building aged between 31 and 40 years old
HK$1,000
HK$10,000 or 10% of loss whichever is the greater
HK$200

Section 2 - Public Liability

Liability arising out of Interior Alteration (Free Extension)

Water Damage claim
Other claims
HK$3,000 or 10% of loss whichever is the greater
HK$3,000

Section 5 - Worldwide Personal Effects

HK$200

INSURANCE AUTHORITY PREMIUM LEVY

Premium Levy collected by the Insurance Authority has been imposed on relevant policies at the applicable rate, and will be remitted in accordance with the prescribed arrangements.

For more coverage information, please refer to the Product Brochure and Insurance Policy.

For claims details, please refer to the Property Damage Claim Form and Third Party Lability Report Form.

To request amendments, please refer to the Amendment Request Form.

For premium discount details, please refer to the Terms and Conditions of the offer.

BEFORE YOU APPLY

Remarks

Major Exclusions

The following is a highlight of some key exclusions to Asia Superior Home Insurance. Please refer to policy provisions for complete details.

  • Loss or damage due to war, terrorism (except Employees’ Compensation Insurance), 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 lenses and pagers
  • Electrical derangement or mechanical breakdown of equipment
  • Loss of property by disappearance not identified with any specific occurrence

Important notes

  • Asia Superior Home Insurance is a product of insurance company or insurer but not OCBC Bank.
  • OCBC Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as insurance agency and is the authorized insurance agency of Asia Insurance for distribution of Asia Superior Home Insurance in the Hong Kong Special Administrative Region ("HKSAR"). The Plan is underwritten by Asia Insurance which is authorized and regulated by the Insurance Authority ("IA") of HKSAR. Asia Insurance will be responsible for providing your insurance coverage and handling claims under your plan.
  • Premium Levy payable to the IA by policyholders has been imposed on relevant policy at the applicable rate and would be collected through insurance companies. For further information, please visit www.asiainsurance.hk or www.ia.org.hk. For further information, please click here for details.
  • OCBC Bank and Asia Insurance reserve the right to amend or terminate the terms and conditions for the relevant premium discount without prior notice to customers. In case of any disputes, the decision of OCBC Bank and Asia Insurance shall be final.
  • The above information is for reference only and illustrative purpose only and shall not form any part of the policy document. Please refer to the insurance policy for terms and conditions. Where there is any discrepancy or inconsistency between the above information and the terms and conditions of the insurance policy, the latter shall prevail.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the OCBC Bank and the customer out of the selling process or processing of the related transaction, OCBC Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between Asia Insurance and the customer.
  • Asia Insurance reserves the right to accept or decline any application for this plan. In case of any dispute in connection with the contents of this plan, the decision of Asia Insurance shall be final and conclusive. If you have any enquiries, please call the enquiry hotline.
  • In case of any conflict or inconsistency between the English and Chinese versions of the above information, the English version shall prevail.

Important Notes:

  1. Asia Superior Home Insurance (the “Plan”) is underwritten by Asia Insurance Company Limited (“Asia Insurance”). OCBC Bank (Hong Kong) Limited (the "Bank", "we", "us" or "our") is an Insurance Agency appointed by Asia Insurance, and the insurance product (including but without limitation to the Plan) is a product of Asia Insurance but not the Bank.
  2. By clicking on the “Agree” button below, you will be redirected to a third party (i.e. Asia Insurance) website, including but not limited to the quotation page, application page, payment page and payment result page of Asia Insurance, over which the Bank has no control. The Bank is not responsible for verifying the information provided on such third party website and is not responsible for the contents available on or the set-up of such website. Use of the third party website will be entirely at your own risk, and subject to any terms and conditions of the third party website (including but not limited to those relating to confidentiality, data privacy and security or terms of the products or services that may be offered on the third party website). It is your sole responsibility to go through the relevant information and the terms and conditions provided on the third party website before you proceed with the online application. We shall have no liability and are not responsible for any loss or damage that you may suffer or incur resulting or arising from the terms and conditions of any third party website or any matters in relation to the products or services (including but without limitation to the Plan) that may be available on such third party website. The Bank does not make any guarantees or warranties that your online application will be successful. The Bank is not liable for any loss and inconvenience you suffer as a result of Asia Insurance refusing to process your online application.
  3. You agree to be bound by all the terms and conditions herein and in the following documents (including all notices of amendments and addendum made thereto by the Bank from time to time) You are also deemed to have agreed with any other terms of use and rules and conditions, policies set down in the third party website. Without prejudice and in addition to the Disclaimer, by referring or linking to the specified page of the third party website, we do not approve, endorse or guarantee, and we disclaim any responsibility for the contents, products or services that may be offered on that third party website, its performance or interaction with your computer, its security and privacy policies and practices, and any consequences that may result from visiting that third party website. Nothing of the aforementioned limits or excludes any liability to the extent contrary to the applicable Hong Kong laws and relevant regulations.

    If you understand and accept all the content above and agree to be redirected to the third party website, please click the "AGREE" button below. Otherwise, please click the "CANCEL" button to leave.

    The English version of this document shall prevail if there is any inconsistency between the English and Chinese versions.

    Attention: You are going to be redirected to Asia Insurance’s website after clicking “AGREE” button.
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Overseas medical expenses incurred up to 90 consecutive days from the date the insured is diagnosed with COVID-19 by a medical practitioner is eligible for reimbursement.

Family plan

  • Single Trip Policy covers an adult and/or his/her spouse and unlimited number of biological or legally adopted children, OR any one or two adults who are not related by marriage and a maximum of four children who must be family-related (i.e. biological or legally adopted child or ward, sibling, grandchild, niece, nephew or cousin) to any one of the Adults.
  • Annual Trip Cover covers an adult and/or his/her spouse and unlimited number of biological or legally adopted children.

Coverage in the event that the Insured Person passes away overseas within 30 days from the date he/she is diagnosed with COVID-19 by a medical practitioner.

Trip interruption

Covers non-refundable travel and accommodation expenses, as well as any change in entertainment tickets paid in advance because the Insured Person or a travel companion is diagnosed with COVID-19 by a medical practitioner, and as a direct result is forced to change any part of the trip.

Trip Cancellation

Covers the irrecoverable travel expenses (on economy class), accommodation expenses and/or cost of entertainment tickets that were paid in advance if the trip is cancelled due to the Insured Person, a relative or a travel companion being diagnosed with COVID-19 in Hong Kong within 30 days prior to the trip commencement.

Trip postponement

Covers the irrecoverable administrative charges of travel, accommodation expenses and/or cost of entertainment tickets that were paid in advance if the Insured Person is forced to postpone the trip within 30 days before it was due to start as a direct result of the Insured Person, a relative, or a travel companion being diagnosed with COVID-19 by a medical practitioner in Hong Kong.

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