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OCBC Wing Hang Bank Limited ("OCBC Wing Hang"), OCBC Wing Hang Insurance Agency Limited ("OCBC Wing Hang Insurance Agency") and Liberty International Insurance Limited ("Liberty International Insurance") are pleased to introduce the "Platinum Home Plus Insurance Plan" (the Plan) for our valuable customers. |
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A COMPREHENSIVE PROECTION FOR YOUR HOME |
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Comprehensive Cover for Your Home |
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Platinum Home Plus Insurance Plan covers accidental loss of or damage to your home contents, household appliance, frozen food. In addition, you may access "24-hour Home Assistance" hotline for necessary on-site or referral service in case of emergencies. |
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Protection for You and Your Family |
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The plan provides cover for you and your family against legal liability in respect of accidental bodily injury or property damage to a third party caused by you or a member of your family.
You are also provided with a fatal accident benefit of up to HK$250,000 due to fire and theft. What's more, the Plan can be extended to provide employees' compensation and other benefits for your part-time domestic helper.
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Wide Range of Cover at Favourable Premium |
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At an annual premium of as low as HK$900¹, you are entitled to be covered up to a limit of HK$1,350,000 on home contents plus other protections. And for optional benefits for your part-time domestic helper, the annual extra cost is HK$200¹ only! |
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¹Please refer to the premium table for premium details.
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"Platinum Home Plus Insurance" Promotion Offer |
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From now till 31 August 2019, successful applications of Platinum Home Plus Insurance will be entitled to a free extension of coverage for 2 months. Terms and conditions apply. |
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Section |
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Coverage |
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Maximum Benefits (HK$) |
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| Comprehensive coverage including accidental loss of or damage to your home contents. Coverage is applicable to your home located within HKSAR.
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1,350,000/event
(100,000/item, pair, set or collection)
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- Your valuable property including jewellery, watches, cameras, curios, works of art, items of gold, musical instruments and furs, etc.
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300,000/event
(20,000/item, pair, set or collection) |
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- Your computers, laptops and tablets
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20,000/event
(10,000/item, pair, set or collection) |
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- expenses incurred for alternative accommodation if your home is uninhabitable due to an insured accident
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50,000/event
(1,500/day) |
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- expenses incurred for alternative accommodation if your home is uninhabitable due to power failure of whole building
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10,000/event
(1,500/day) |
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- cost of repair or replacement for locks and windows if your home is damaged by burglars
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5,000/event |
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- cost for replacing deteriorated frozen contents due to failure, and accidental damage of the freezer
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2,500/event |
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- loss of money in your home and unauthorized use of credit card
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5,000/event
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- loss of or damage to your home contents temporarily moved away from your home to a place within HKSAR caused by insured perils
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120,000/event
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- cost of removal of debris following property damage
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5,000/event
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- accidental loss of or damage to your home contents during removal by professional removers to your new permanent residence within HKSAR
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1,000,000/event
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- the cost of temporary storage of household contents (but not personal effects and valuables) if your home is made uninhabitable due to accidental loss of or damage to your home or your home contents, up to a maximum of 30 days
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100,000/event
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- accidental loss of or damage to home contents and the contract works during the period of decoration at your home
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100,000/event
(10,000/item, pair, set or collection) |
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- accidental loss of or damage to personal effects of your overseas domestic helper
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10,000/event
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| 2 . Personal Liability Protection |
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| Personal liability of you or your family members who accidentally cause bodily injury to any person or damage to third party's property
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10,000,000/event/year |
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- cover legal liability caused by accidents during the period of interior renovation, decoration and additions at your home (subject to maximum contract value of $50,000 and contract period not exceeding 1 month)
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1,000,000/event/year |
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| 3. Worldwide Personal Possessions Protection |
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| Accidental loss of or damage to personal effects owned by you or your family members whilst away from home or traveling worldwide
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20,000/event
(10,000/item, pair, set or collection)
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3,000/event |
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- unauthorized use of credit card
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10,000/event
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- replacement fees/costs of personal documents lost
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3,500/event
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- cost of hospitality if "Hole-in-One" is achieved while you are playing golf
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1,000/event
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- repair cost for accidental damage to Electronic Communication Products
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50% of repair cost
(5,000/year, no excesses)
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| Accidental death of you or your family members as a direct result of fire, theft, burglary or robbery at your home
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250,000/event/year
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| 5. Home Assistance Service |
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Call "24 Hour Home Assistance Service" hotline whenever you need.
The following services will be provided to you:
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- Emergency on-site service: includes repair the main switch due to malfunctioning, air conditioner due to electrical / mechanical breakdown, repair the bursting pipe, arrange for locksmith to open the door
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500/incident
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- Referral service: includes household appliances repairing service, home cleaning service, house call/dental referral, baby-sitting/domestic helper/nursing assistance and pest control service (costs of the referred services shall be at the expenses of the policyholder)
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| 6. Optional benefits for Part-time Domestic Helper |
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| Protections for your part-time domestic helper includes your liability under the Employees' Compensation Ordinance and at Common Law for death, injury or illness sustained by your part-time domestic helper arising out of and in the course of employment
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100,000,000/event |
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| 7. Optional benefits for Building Cover |
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| Unforeseen and sudden physical loss of or damage to your building which include:
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- Costs actually incurred to repair, reinstate, or rebuild your building to the same condition or extent it was when new
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20,000,000/event
Based on actual rebuilding cost |
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5% of rebuilding cost/event |
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- Architects' and Surveyors' fees
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5% of rebuilding cost/event |
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| # This Plan (including coverage and exclusion) is subject to the terms and conditions of the official policy document issued by Liberty International Insurance. If there is any discrepancy between the information contained in the above and the terms of the policy, the terms of the English version policy shall prevail. (Please refer to the policy document for further details.) |
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Premium Levy collected by the Insurance Authority will be imposed at the applicable rate. For further information, please click here, visit www.libertyinsurance.com.hk or contact: (852) 2892 3888. The Levy is included in the premium shown. |
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| Major exclusions from the insurance coverage (please refer to the Insurance Policy for full details): |
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Loss of or damage to contact lens; |
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Theft or loss whilst your home is unoccupied for more than 30 consecutive days; |
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Loss of or damage to property contained in or on verandas, balconies or terraces and in the open generally; |
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Items detained, seized or confi¬scated by customs or other officials; |
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Loss of or damage resulting from scratching, corrosion, wear and tear, mechanical breakdown, damaged by animals or insects, war, terrorism, nuclear radiation contamination, pollution contamination; |
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An excess of HK$500 is applicable for each claim under Home Contents section and Worldwide Personal Possessions section; |
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An excess of HK$500 is applicable for each and every third party property claim under Personal Liability section. |
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OCBC Wing Hang Insurance Agency is a wholly-owned subsidiary of OCBC Wing Hang. |
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OCBC Wing Hang and OCBC Wing Hang Insurance Agency are registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as insurance agencies and are the authorized insurance agencies of Liberty International Insurance Limited ("Liberty International Insurance") for distribution of Platinum Home Plus Insurance Plan in the HKSAR. The plan is underwritten by Liberty International Insurance which is authorized and regulated by the Insurance Authority of the Hong Kong Special Administrative Region ("HKSAR"). Liberty International Insurance will be responsible for providing your insurance coverage and handling claims under your Plan.
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Information in this website is for reference only and illustrative purpose only and shall not form any part of the policy document. Please refer to the policy for full details of terms and conditions. OCBC Wing Hang, OCBC Wing Hang Insurance Agency and Liberty International Insurance may at any time(s) amend the contents of this webpage in any manner as it may at its absolute discretion deem fit without notice. Liberty International Insurance reserves the right of final approval |
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Liberty International 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 Liberty International Insurance shall be final and conclusive. If you have any enquiries, please visit any branches of OCBC Wing Hang or call the enquiry hotline. |
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This Plan is a product of Liberty International Insurance but not OCBC Wing Hang or OCBC Wing Hang Insurance Agency. 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 Wing Hang Bank, OCBC Wing Hang Insurance Agency and the customer out of the selling process or processing of the related transaction, OCBC Wing Hang Bank and OCBC Wing Hang Insurance Agency are 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 Liberty International Insurance and the customer. |
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In case of any conflict or inconsistency between the English and Chinese versions of this product information, the English version shall prevail. |
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| For more information on our "Platinum Home Plus Insurance Plan", please visit any branches of OCBC Wing Hang for enquiry. |
| You may also contact per the below. |
| General Enquiries: |
2892 3823 |
| Claims Enquiries: |
2892 6966 |
| Fax Hotline: |
2854 1103 |
| Email: |
epnc.bankservices@libertymutual.com.hk |
| Hotline Office Hours: |
Monday to Friday 9:00am – 12:45pm
Monday to Friday 1:45pm -- 5:30pm |
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