Protect your home and the belongings you care with comprehensive home insurance

FBHK x MSIG FortuneSafe Home Insurance Plan Limited Time Offer FBHK x MSIG FortuneSafe Home Insurance Plan Limited Time Offer From 9 January 2026 to 31 December 2026, Fubon Credit Card customer successfully enroll in “FortuneSafe Home Insurance Plan” with Promo Code “FBCCPD” to enjoy the following discount offer (“Discount Offer”): Enrollment Period Discount Offer First Year Enrollment 40% discount Renewals from 2nd year onwards 30% discount Enroll now and pay the first 6th months premium in monthly payment mode, you can enjoy extra 75,000 bonus points (equivalent to HK$300 rebate)! Enroll now and pay the first 6th months premium in monthly payment mode, you can enjoy extra 75,000 bonus points (equivalent to HK$300 rebate)! Discount Offer information is provided by MSIG Hong Kong. Should there be any enquiries regarding Discount Offer or insurance product, please contact MSIG Hong Kong Customer Service Hotline 3122 6880 during office hours. Office hours of MSIG Hong Kong Customer Service Hotline office hours are Monday to Friday, 9:00 am to 5:30pm. Premium Discount Offer is subject to terms and conditions as set out below. Fubon Bank (Hong Kong) Limited is not responsible for any matters related to the Discount Offer, related products and services are between you and MSIG Hong Kong. Should there be any dispute over the Discount Offer, MSIG Hong Kong’s decision shall be final and conclusive. To borrow or not to borrow? Borrow only if you can repay! For the terms and conditions of FBHK x MSIG FortuneSafe Home Insurance Plan Premium Discount Offer, please click here. For the terms and conditions for FortuneSafe Home Insurance Plan Bonus Points Promotion, please click here.

Key Features

• Personal Liability Cover protects you, your family members and your domestic helper against any legal liability for third-party injury or property damage, up to HK$10,000,000
• All Risks Home Contents Protection up to HK$1,000,000 per year
• Covers specified valuable properties up to HK$20,000 per item, with an aggregate limit of one-third of the household contents sum insured per year

Plan Highlights

• Worldwide coverage for accidental damage to mobile phone, tablet or laptop computer up to HK$5,000 per item
• Covers breakage of window glass during typhoon
• Covers seepage of water and personal injury or loss of or damage to property directly or indirectly caused by seepage
• Covers your outdoor property such as furniture, washing machine and refrigerator up to HK$50,000 per year
• Covers temporary boarding for your pet up to HK$3,000 per day if your home rendered uninhabitable due to accidental loss or damage
• Fatal accident benefit coverage limit up to HK$100,000 for Plan A / Plan B
• Optional building coverage is available for Plan A / Plan B

Benefits Table

Household Contents (Basics)	Maximum Benefits Payable Per Year (HK$)
	Plan A	Plan B	Plan C
Household contents Limit per item, set or collection	1,000,0001 100,000	600,0001 100,000	300,0001 50,000
Valuable property at home Limit per item	1/3 of Contents limit 20,000	1/3 of Contents limit 10,000	1/3 of Contents limit 5,000
Personal Effects Limit per item	20,000	10,000	Not applicable
Money, stamps, coins or medals at home Limit per loss for money or per collection	5,000 5,000	5,000 5,000	Not applicable
Photographic equipment	2,000	2,000	Not applicable
Brittle items Limit per item	5,000	5,000	Not applicable
Sunglasses or eyeglasses	1,000	1,000	Not applicable

¹Inclusive of all sub-limits under Extra Benefits and in the aggregate

Household Contents (Extra Benefits)	Maximum Benefits Payable Per Year (HK$)
	Plan A	Plan B	Plan C
Household removal Limit per item	100,000 100,00	50,000 10,000	Not applicable
Alternative accommodation Limit per day for alternative accommodation Limit per day for meal allowance Limit per day for temporary boarding for your pet	100,000 1,500 500 3,000	Not applicable	Not applicable
Temporary removal	50,000	Not applicable	Not applicable
Fatal accident benefit	100,000	100,000	Not applicable
Frozen food and drinks	5,000	2,500	Not applicable
Tenant's liability	10% of the Household Contents sum insured	10% of the Household Contents sum insured	10% of the Household Contents sum insured
Removal of damaged household contents	10,000	5,000	Not applicable
Alterations and repairs Maximum contract value	Covered 150,000	Covered 100,000	Not applicable
Landslip & subsidence extension	Covered	Covered	Covered
Accidental damage to mobile phone/tablet or laptop computer (Worldwide)2 Limit per mobile phone / tablet / laptop computer per year	5,000	2,500	Not applicable
Outdoor Property Extension Limit per item	50,000 2,500	10,000 2,500	Not applicable
Home emergency assistance Limit per claim per year	Included 1,000	Included 1,000	Included 1,000

²Not applicable if you or your family members are below 18 years of age at the time of the damage

Personal Liability (Free cover)	Maximum Benefits Payable Per Year (HK$)
	Plan A	Plan B	Plan C
Any claim against you, your family members or your domestic helper in the event of your negligence causing third party injury or property damage Your legal liability as the owner in respect of the common parts of the building of which your home forms part	10,000,000	8,000,000	300,000

Worldwide Personal Possessions (Free cover)	Maximum Benefits Payable Per Year (HK$)
	Plan A	Plan B	Plan C
Accidental loss of or damage to valuables or personal effects that happens anywhere in the world Limit per item unless specified	10,000 5,000	10,000 5,000	3,000 1,000
Money	5,000	Not applicable	Not applicable
Unauthorised use of credit cards	20,000	Not applicable	Not applicable
Personal documents	5,000	Not applicable	Not applicable

Optional Cover – Worldwide Personal Possessions	Maximum Benefits Payable Per Year (HK$)
	Plan A	Plan B	Plan C
Accidental loss of or damage to valuables or personal effects that happens anywhere in the world Specified limit per item	Sum InsuredA1	Sum InsuredA1	Not applicable

Optional Cover – Building	Maximum Benefits Payable Per Year (HK$)
	Plan A	Plan B	Plan C
Building - for the structural part of your home including flooring, walls, ceiling, windows and doors and their subsequent household improvements	Sum InsuredB1	Sum InsuredB1	Not applicable
Alternative accommodation Limit per day for alternative accommodation Limit per day for meal allowance Limit per day for temporary boarding for your pet	50,000 1,500 500 3,000	Not applicable	Not applicable
Removal of debris	10,000	10,000	Not applicable
Professional Fees	10,000	10,000	Not applicable
Landslip and subsidence extension	Covered	Covered	Not applicable

Important Notes
A For Worldwide Personal Possessions Section

1. For valuables such as jewellery and watches, which you would like to insure, please list down each item with full description and respective insured value separately and provide invoice to prove their value. For miscellaneous items valued less than $5,000 each, they can be grouped as one item in which case the sum insured should represent the total value of such properties you are likely to carry away from home at any one time.

B For Building Section

1. The sum insured of this section should represent the full cost of rebuilding the insured premises (including the costs of fixtures and fittings, renovation, debris removal, professional fees and compliance costs).

Premium Table^

Premium Table^{^}

Household Contents		Premium (HK$)
Gross Floor	Saleable Area	Plan A		Plan B		Plan C
Area (sq. ft.)	(sq. ft.)	Annual	Monthly*	Annual	Monthly*	Annual	Monthly*
Below 500	Below 400	1,140	95	876	73	708	59
501 - 700	401 – 560	1,476	123	1,116	93	708	59
701 - 1,000	561 – 800	1,836	153	1,380	115	Not applicable
1,001 - 1500	801 – 1,200	2,364	197	1,764	147
1,501 - 2,000	1,201 – 1,600	2,760	230	2,064	172
2,001 – 2,500	1,601 – 2,000	3,252	271	2,580	215
2,501 – 3,000	2,001 – 2,400	3,840	320	3,048	254
Over 3,000	Over 2,400	Please call MSIG Hotline at 3122 6880
Personal Liability	Free
Home Emergency Assistance	Free
Building	0.09% on sum insured			Not applicable
Worldwide Personal Possessions	1.5% on sum insured			Not applicable

^{^}Collection of Levy on Insurance Premium - The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.
^*Monthly Premium is calculated from Annual Premium divided by 12 months and round up to the nearest dollar for illustration only. The actual Monthly Premium including levy will be stated on the policy schedule.



*For enquiries, please call MSIG Hotline 3122 6880 during office hours for more details.
Office hours: Monday to Friday: 9am to 5:30pm (except public holidays).

Click Here to enroll in FortuneSafe Home Insurance
Click Here to get information

Terms and Conditions

Major Exclusions All Sections Any accident, loss, damage or liability which occurred or existed Sub-divided home or sub-let premises Insured premises that is situated in a building where sub-divided flats are known to exist Insured premises that is used for business purpose or as a holiday home Unoccupied premises for more than 30 consecutive days Illegal structure exists in the insured premises Household Contents Section Contents on roof or in the open generally Any loss or damage caused by: Domestic animals which you own or are in your custody or control Inherent fault or defective workmanship, defective material or design Mysterious disappearance or unexplained loss Disappearance/loss of any item (unless following a forcible and violent entry to or exit from your Home which has been reported to the police authority in person within 24 hours of discovery) Theft by authorised person entered to your home Mechanical breakdown and/or malfunction of electrical appliances and computer equipment Wear and tear, inadequate maintenance Sonic bangs Atmospheric or climatic conditions, action of light Deterioration of food or drinks (unless specifically provided under extra benefits) Motor vehicles Livestock, pets and animals Any items also covered under Worldwide Personal Possessions/Building section The above is a summary of the Major Exclusions only. For details, please refer to policy provisions. Major Excess                                                                                                          Excess for each and every claim (HK$) Household Contents i. for multi-storey building Nil ii. for village house / detached house Burglary Excess: 5,000 or 10% of loss, whichever is the greater Water damage for multi-storey building, village house / detached house • building age: 40 years or below Nil • building age: 41 - 50 years 3,000 or 10% of loss, whichever is the greater • building age: 51 years or above 5,000 or 10% of loss, whichever is the greater Landslip and subsidence 10,000 or 10% of loss, whichever is greater Personal Liability Water damage for multi-storey building, village house / detached • building age: 40 years or below Nil • building age: 41 - 50 years 3,000 or 10% of loss, whichever is the greater • building age: 51 years or above 5,000 or 10% of loss, whichever is the greater Other damage for multi-storey building, village house / detached • building age: 40 years or below Nil • building age: 41 - 50 years 3,000 • building age: 51 years or above 5,000 Worldwide Personal Possessions General 250 Building Landslip and subsidence 10,000 or 10% of loss, whichever is greater In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail. The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording.

Important Note: The above insurance plans are underwritten by MSIG Insurance (Hong Kong) Limited ("MSIG"). MSIG reserves the right of final approval and amendment of the above products. In case of disputes, the decision of MSIG shall be final and binding. The above information is intended as a general summary. It is for reference only and is not an offer for subscription of any insurance product and does not constitute any part of the insurance contract. The policy may contain Terms and Conditions which are not detailed in the above. If there is any discrepancy between the information contained in the above and the Terms and Conditions of the policy, the Terms and Conditions of the policy shall prevail. For exact Terms and Conditions and details of the coverage and exclusions, please refer to the relevant policy or contact MSIG. During the insured period, the Proposer/Policyholder must inform MSIG immediately in case of any changes of Insured details such as address, otherwise MSIG reserves the right to decline any claims the Proposer/Policyholder made. The Insurance Authority will collect a levy on insurance premiums (if any) from policyholders through MSIG Insurance (Hong Kong) Limited in accordance with the law. For further information about the levy imposed by the Insurance Authority, please refer to Insurance Authority Premium Levy introduction website www.ia.org.hk/levy or Fubon Bank Premium Levy introduction website. *Collection of Levy on Insurance Premium The Insurance Authority (IA) has announced the collection of levy on insurance premium under the “Insurance Ordinance” with effect from 1st January 2018. As a result, all premium amounts shown in this product factsheet are subject to levy.

Remarks: a. MSIG Insurance (Hong Kong) Limited ("MSIG") is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. MSIG Insurance (Hong Kong) Limited is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters. b. MSIG Insurance (Hong Kong) Limited is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”). c. Fubon Bank is the licensed insurance agency appointed by MSIG Insurance (Hong Kong) Limited, and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for any terms or obligations of the Plan. d. 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 MSIG Insurance (Hong Kong) Limited and you. Nevertheless, where practicable and appropriate, Fubon Bank will provide reasonable assistance to customers in the dispute resolution process. e. MSIG Insurance (Hong Kong) Limited is a wholly-owned subsidiary of MS&AD Insurance Group Holdings, Inc. and its principal place of business in Hong Kong is at 9/F Cityplaza One, 1111 King’s Road, Taikoo Shing, Hong Kong. f. The English version shall prevail in case of inconsistency between the English and Chinese versions.