Home Protection Insurance
Accidents like fire, flooding, typhoon, burglary or other unexpected events could suddenly damage and ruin your home. Home Protection Insurance is a household insurance that offers a comprehensive protection to your household contents, personal belongings and third-party liability, giving you total peace of mind and enabling you to enjoy the comforts of your home!
WHY DO I NEED A HOUSEHOLD INSURANCE?
Accidents like fire, flooding, typhoon, burglary or other unexpected events could suddenly damage and ruin your home.
Home Protection Insurance is a household insurance that offers a comprehensive protection to your household contents, personal belongings and third party liability, giving you total peace of mind and enabling you to enjoy the comforts of your home!
BENEFITS OVERVIEW
- Protection of Household Contents & Valuables in case of fire, flooding, typhoon or burglary
- Accidental Death Benefit in case of fire, lightning, explosion or robbery at Home
- Personal Liability incurred due to accidental death/injury or damage/loss of property of third party arising from Home
- Worldwide Coverage for Personal Effects & Valuables
- Optional Coverage for Golfer.
Subscribe through BNU Online Banking, BNU Mobile Banking or visit our offices at Av. Praia Grande 567, BNU Building 14/F, Macau (China), from Monday to Friday (09:00 – 17:30).
This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
TABLE OF BENEFITS
| Section |
Max. Benefit Amount per Any One Claim / Any One Period of Insurance (MOP/HKD) |
||
|
Plan A |
Plan B |
Plan C |
|
|
Section 1 - Household Contents and Valuables |
300,000 |
500,000 |
1,000,000 |
|
(per item/set) |
50,000 |
60,000 |
120,000 |
|
Sub-limit for Valuables (per item/set) |
100,000 3,000 |
150,000 5,000 |
250,000 10,000 |
| Sub-Section 1.A. - Additional Covers1 | |||
|
1. Alternative Accommodation (per day) |
20,000 1,000 |
30,000 1,000 |
60,000 1,000 |
|
2. Removal of Debris |
3,000 |
5,000 |
10,000 |
|
3. Household Removal (per item/set) |
300,000 50,000 |
500,000 60,000 |
1,000,000 120,000 |
|
Sub-limit for Valuables) (per item/set) |
100,000 3,000 |
150,000 5,000 |
250,000 10,000 |
|
4.Temporary Removal for Cleaning and Other (per item/set) |
10,000 3,000 |
15,000 5,000 |
20,000 8,000 |
|
5. Moving Home (per item/set) |
60,000 25,000 |
100,000 30,000 |
200,000 60,000 |
|
Sub-limit for Valuables (per item/set) |
20,000 3,000 |
30,000 5,000 |
60,000 10,000 |
|
6. Storage of Household Contents |
30,000 |
50,000 |
100,000 |
|
7. Interior Decoration/ Refurbishment Work2 (per item/set) |
50,000 3,000 |
100,000 6,000 |
150,000 10,000 |
|
8. Replacement of Locks/ Keys/ Windows |
1,000 |
2,000 |
3,000 |
|
9. Frozen Food |
1,000 |
1,500 |
2,500 |
|
10. Domestic Helper’s Personal Effects (per item/set) |
2,000 500 |
5,000 500 |
10,000 500 |
|
11. Personal Effects and Valuables3 (per item/set) |
10,000 5,000 |
15,000 7,500 |
20,000 10,000 |
|
12. Personal Effects Newly Purchased in Transit3 |
2,500 |
5,000 |
5,000 |
|
13. Personal Money3 |
1,500 |
3,000 |
3,000 |
|
14.Personal Documents3 |
1,500 |
3,000 |
3,000 |
| Sub-Section 1.B. - Accidental Death Benefits4 | |||
|
15. Accidental Death Benefit |
300,000 |
400,000 |
500,000 |
| ( per person) |
100,000 |
100,000 |
100,000 |
| 16. Burial and Funeral Expenses |
10,000 |
10,000 |
10,000 |
| Section 2 - Personal Liability (Max. Indemnity per any one claim/ any one period of insurance) | |||
| Personal Liability arising from the Home | 500,000 | 1,000,000 | 1,500,000 |
| Section 3 - Golfer (Optional Worldwide Coverage) (Max. Indemnity per any one claim / any one period of insurance) | |||
|
Golf Equipment |
30,000 |
||
| (per item) | 2,000 | ||
|
Deductible for Golf Equipment (per claim) |
500 | ||
| Hole-in-One | 2,000 | ||
1All the limits are sub-limits of the maximum limit stated for “Household Contents”
2 Subject to a contract period not exceeding 60 days
3 Worldwide coverage
4All the limits are in addition to the maximum limit stated for “Household Contents”
DEDUCTIBLE (Per Claim)
|
Applicable to Section 1 - Household Contents and Valuables (not applicable to additional covers 1 and 2) |
|
|
(i) Water damage arising from any cause other than fire, lightning and explosion |
5,000 or 10% of adjusted loss, whichever is higher |
|
(ii) Other loss |
1,000 |
|
Applicable to Section 2 – Personal Liability |
|
|
(i) Water damage to third party property arising from any cause other than fire, lightning and explosion |
5,000 or 10% of adjusted loss, whichever is higher |
|
(ii) Third party property damage arising from Interior Decorations and Refurbishment Work |
10,000 or 10% of adjusted loss, whichever is higher |
|
(iii) Other liability |
1,000 |
MAJOR EXCLUSIONS
(The following list of exclusions is not representative of the full list of Exclusions and is for reference only.)
- Wear, tear, scratching or depreciation;
- Moths, woodworm, beetle or other insects and vermin;
- Electrical or mechanical breakdown;
- Misuse or use contrary to manufacturers’ instructions;
- Mysterious disappearance or unexplained loss;
- Loss or damage to motor vehicles;
- Credit cards, securities, certificates and document of any kind;
- Spectacles or contact lenses;
- Mobile or portable telecommunications equipment and the like;
- Business equipment;
- Loss of or damage to data or software;
- Sports equipment while in use (except Optional Coverage – Golfer);
- Any part of the Home is lent or let;
- Illegal structure attached to home and/or building;
- Nuclear energy or radioactivity of any kind.
This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
Premium Table (MOP/HKD)
|
Plan Type |
Monthly1 |
Annual2 |
|---|---|---|
|
Plan A |
$77.00 |
$831.60 ($924.00) |
|
Plan B |
$120.00 |
$1,296.00 ($1,440.00) |
|
Plan C |
$166.00 |
$1,792.80 ($1,992.00) |
|
Optional Coverage for golfer |
25.00 |
270.00 (300.00) |
- Must be settled by a BNU credit card.
- Premium is inclusive of 10% annual premium discount.
No Claim Bonus
If no claim has been made in the period of insurance, you are entitled to a no claim discount on renewal premium.
|
No claim in preceding year |
10% |
|
No claim in preceding two years |
15% |
|
No claim in preceding three years or more |
20% |
This product is underwritten by Fidelidade Macau - Insurance Company Limited. The above product information is for reference only.
Download this Product Leaflet here. Please contact us for further details about the product and how to apply for it.
