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Platinum Home Insurance Plan
Platinum Home Insurance Plan
OCBC Wing Hang Insurance Agency Limited (“OCBC Wing Hang Insurance Agency”) is a wholly-owned subsidiary of OCBC Wing Hang Bank Limited (“OCBC Wing Hang”).
   
The Plan is underwritten by Liberty International Insurance Limited ("Liberty International Insurance") which is authorized and regulated by the Insurance Authority of HKSAR. Liberty International Insurance will be responsible for providing your insurance coverage and handling claims under your policy. 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 an insurance agents of Liberty International Insurance for distribution of general insurance products in the HKSAR.
   
Platinum Home Insurance Plan* (“The 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.
   
The Plan provides cover for you and your family against legal liability in respect of bodily injury or property damage to a third party resulting from the negligence of you or a member of your family. You are also provided with a fatal accident benefit of up to HK$200,000 due to fire and theft. What's more, the Plan can be extended to provide Employees' Compensation and other benefits for your overseas domestic helper.
   
 
Basic Benefits
Section
Coverage
Maximum benefit (HK$)
1. Home Contents
Comprehensive coverage including accidental loss of or damage to your home contents due to fire, typhoon, explosion, burglary and other mishaps. Coverage is applicable for your home located within HKSAR.
600,000/event
(100,000/item)
 
Sub-limit:
 
 
Your valuable property including jewellery, watches, cameras, curios, works of art, items of gold, musical instruments and furs, etc.
200,000/event
(10,000/item)
 
Additional Benefits:
 
 
  • expenses incurred for alternative accommodation if your home is uninhabitable due to an insured accident
50,000/event
(1,500/day)
 
  • cost of repair or replacement for locks and windows if your home is damaged by burglars.
3,000/event
 
  • cost for replacing deteriorated frozen contents due to failure of the freezer
2,500/event
 
  • loss of money in your home and unauthorized use of credit card
3,000/event
 
  • loss of or damage to your home contents temporarily moved away from your home to a place within HKSAR caused by insured perils
100,000/event
 
  • cost of removal of debris following property damage
3,000/event
 
  • accidental loss of or damage to your home contents during removal by professional removers to your new permanent residence within HKSAR
600,000/event
 
  • accidental loss of or damage to home contents which are temporarily stored in premises within HKSAR arranged by professional removers during household removal or cost incurred for temporary storage up to 30 days if your home is made uninhabitable due to damage by accident
100,000/event
 
  • accidental loss of or damage to home contents and the contract works during the period of decoration at your home
100,000/event
(10,000/item)
 
  • accidental loss of or damage to personal effects of your overseas domestic helper
10,000/event
2 . Personal Liability Protection
Personal liability of you or your family members who accidentally cause bodily injury to any person or damage to third party's property
3,000,000/event/year
3. Worldwide Personal Possessions Protection
Accidental loss of or damage to personal effects owned by you or your family members whilst away from home or traveling around
20,000/event
(10,000/item)
 
Additional benefits:
 
 
  • loss of money
3,000/event
 
  • unauthorized use of credit card
5,000/event
 
  • replacement fees/costs of personal documents lost
3,000/event
 
  • cost of hospitality if “Hole-in-One” is achieved while you are playing golf
1,000/event
4 . Personal Accident Protection
Accidental death of you or your family members as a direct result of fire, theft, robbery or burglary at your home
200,000/event/year
5. Home Assistance Service
Call “24 Hour Home Assistance Service” hotline whenever you need.

The following services will be provided to you:
 
 
  • 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
500/incident
 
  • 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 proposer)
------------
Optional benefits for overseas domestic helper* ( Proposer may choose this extra benefit if necessary) *HK$364.11 for each overseas domestic helper per year (Employees’ Compensation Insurance Levy is included)
6. Optional Benefits for Overseas Domestic Helper
Protections for your overseas domestic helper which include:

  • Employer's Liability - Your liability under the Employees' Compensation Ordinance and at Common Law for death, injury or illness sustained by your overseas domestic helper arising out of and in the course of employment.
100,000,000
/event
 
  • Medical Expenses - Expenses incurred during hospital confinement as a direct result of accidental injury or sickness of your overseas domestic helper.
10,000/year
(7,500/accident or sickness)
 
  • Repatriation Costs - if your overseas domestic helper is confirmed by a registered medical practitioner as medically unfit to continue the employment contract and needs to be repatriated or in the case of death of your domestic helper, conveyance of her mortal remains or ashes back to her country of residence
2,000/event
   
 
   
  The Insurance Authority will collect a premium levy from policy holders in accordance with the law. For further information, please click here for details.
   
 
* Major Exclusions from the insurance coverage:
- Loss of or damage to contact lens, mobile/portable phone, pager;
- Theft or loss whilst your home is unoccupied for more than 30 consecutive days;
- Loss of or damage to property contained in or on verandas, balconies or terraces and in the open generally
- Items detained, seized or confiscated by customs or other officials;
- 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;
- An excess of HK$500 is applicable for each claim under Home Contents section and Worldwide Personal Possessions section.
- An excess of HK$500 is applicable for each and every third party property claim under Personal Liability section.
   
  The above information is for reference only. 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.
   
  The product is a product of insurance company or insurer but not OCBC Wing Hang Bank Limited or OCBC Wing Hang Insurance Agency Limited
   
  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 Limited, OCBC Wing Hang Insurance Agency Limited and the customer out of the selling process or processing of the related transaction, OCBC Wing Hang Bank Limited and OCBC Wing Hang Insurance Agency Limited 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 between directly Liberty International Insurance Limited and the customer.
   
 
For more information on our insurance products, please contact us.
Hotline: (852) 2272 8893
Fax: (852) 2854 1103
Email: enquiry@ocbcwhins.com or visit any branches of OCBC Wing Hang for enquiry
   
 
   
 

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