Fubon Home Plus Insurance Plan – Householder Insurance

Fubon Home Plus Insurance Plan – Householder Insurance


Fubon Home Plus Insurance Plan – Householder Insurance (the “Plan”) provides your family and even your domestic partner with multiple protections. With DIY plan, we offer you flexibility to set the sum insured according to your needs.

With Fubon Home Plus Insurance Plan – Householder Insurance, we provide you and your household members with ranges of benefits.

Liability care

Liability careLegal liabilities (such as accidental damage of public facilities due to bursting of water pipe or fire due to negligence while cooking) exist in daily life and consequences are unpredictable and can be very serious!

Legal liability coverage up to HKD15,000,000
(Including worldwide personal liability and liability as a home owner, an occupier, a pets owner, a tenant and the home owner’s liability in common area)

Lifestyle care

Lifestyle careThere are a number of free extended benefits to cater to your different lifestyles.

Unlimited number of claims within the maximum annual coverage

Worldwide protection1
  • Accidental damage to mobile phone
  • Cover loss incurred by unauthorized use of credit cards due to any loss of personal property (such as mobile phone with payment app installed)
  • Loss of money and replacement of personal documents


Home protection1
  • Alternative accommodation and meal allowance
  • Feng Shui consultation
  • Outdoor property
  • 24-hour Emergency Home Assistance Service


Pets related protection
  • Pets alternative accommodation1
  • Pets owner's liability


All-round and flexible insurance

All-round and flexible insuranceYou can take your pick of additional coverages and set your desired sum insured according to your own needs.

You can customize the sum insured of home contents, legal liability coverage, etc.2

A variety of value-added optional coverages at your choice:
  • Building
  • Personal fine art collection


To enroll or to learn more
  • Call 2806 5038
  • Click Here to enroll in Fubon Home Plus Insurance Plan – Householder Insurance
  • Click Here for HomeChoice Insurance Plan – Landlord Insurance


Benefits Table

Benefits Table
Coverage Maximum amount (HKD)
Standard plan  
Plan 1 Plan 2 DIY plan3
Section 1 – Legal liability
Including worldwide personal liability and liability as a home owner, an occupier, a pets owner, a tenant and the home owner’s liability in common area (Annual coverage) 10,000,000 15,000,000 At your choice
Section 2 – Home contents4
Maximum coverage (Annual coverage) 500,000 1,000,000 At your choice
A) Core benefits
Home contents (per set)
50,000 100,000 At your choice
Personal belongings (per set)
10,000 20,000 20,000
Stamps, coins or medals collection (per set)
5,000 5,000 5,000
Wine (per item)
5,000 5,000 At your choice
Valuables (per set)
10,000
(150,000 per year)
20,000
(250,000 per year)
20,000
(Annual coverage at your choice)
B) Extended benefits
i) Your home protection
Damage by firemen
As per maximum coverage
Debris removal (per accident)
15,000 30,000 30,000
Deterioration of frozen food (per accident)
2,500 5,000 5,000
Outdoor property (per accident)
Not applicable 50,000
(2,500 per item)
At your choice
Temporary removal (per accident)
50,000 100,000 100,000
Moving to new home (per accident)
100,000 200,000 200,000
Interior Decoration Period (per accident)
100,000 200,000 200,000
Food poisoning
(HKD300 per visit, HKD900 per person)
3,000 5,000 5,000
ii) Alternative accommodation
Alternative accommodation total amount (per accident)
Not applicable 100,000 At your choice5
 
Alternative accommodation (daily limit)
5,000
 
Meal allowance (daily limit)
1,000
 
Alternative accommodation for pets (daily limit)
5,000
Feng Shui consultation (per accident)
3,000
3,000
iii) Your worldwide protection
Unauthorized use of credit cards (per accident)
Not applicable 20,000 20,000
Loss of money (per accident)
5,000 5,000
Replacement of personal documents (per accident)
5,000 5,000
Accidental damage to mobile phone (per accident)
5,000 5,000
Section 3 – Accidental death (Annual coverage)
100,000
Section 4 – Emergency assistance benefits
24-hour emergency home assistance service
Electrical, plumbing, locksmith assistances
Hassle-free cashless approach
Others
Referral service only
Section 5 – Building6 (Optional coverage)
Accidental damage to the building
Based on rebuilding cost
Extended benefits
Debris removal
5% of rebuilding cost
Architects’ and surveyors’ fee
5% of rebuilding cost
Section 6 – Worldwide personal possessions7
Unspecified items (per accident) 10,000 (5,000 per item)
Specified items (Optional coverage) Sum insured at your choice
Section 7 – Personal fine art collection (Optional coverage) Sum insured at your choice

1 Applicable to Standard Plan 2 and DIY plan.
2 You can select your preferred sum insured from the preset amount.
3 Applicable to online enrollment and phone application only and you can select your preferred sum insured from the preset amount.
4 For a residence situated in a multistorey building which is aged at 40 years or below, the standard policy excess under Home contents section is Nil.
5 Daily limits of sub items will vary according to the selected total amount for alternative accommodation.
6 The standard policy excess applicable to landslide and subsidence under Building section is the first HKD10,000 or 10% of adjusted loss for each and every claim, whichever is the greater.
7 The standard policy excess applicable under Worldwide personal possessions section is the first HKD250 of adjusted loss for each and every claim.

Premium Table

Premium Table
  Annual premium (HKD)
Floor area (Sq Ft)8 Basic coverage Optional coverage
Gross floor area Saleable area Plan 1 Plan 2 Building Worldwide Personal Possessions (Specified items) Personal Fine Art Collection
500 or below 400 or below 650 1,250 500 To be quoted
501-700 401-560 800 1,400 630
701-1,000 561-800 1,000 1,600 1,020
1,001-1,500 801-1,200 Not applicable 1,900 1,530
1,501-2,000 1,201-1,600 2,250 2,040
2,001-2,500 1,601-2,000 2,650 2,500
2,501-3,000 2,001-2,400 3,100 3,050
3,001-3,500 2,401-2,800 3,600 3,600
3,501 or above 2,801 or above 4,200 4,080

  Monthly premium (HKD)
Floor area (Sq Ft)8 Basic coverage Optional coverage
Gross floor area Saleable area Plan 1 Plan 2 Building Worldwide Personal Possessions (Specified items) Personal Fine Art Collection
500 or below 400 or below 54.17 104.17 41.67 To be quoted
501-700 401-560 66.67 116.67 52.50
701-1,000 561-800 83.33 133.33 85.00
1,001-1,500 801-1,200 Not applicable 158.33 127.50
1,501-2,000 1,201-1,600 187.50 170.00
2,001-2,500 1,601-2,000 220.83 208.33
2,501-3,000 2,001-2,400 258.33 254.17
3,001-3,500 2,401-2,800 300.00 300.00
3,501 or above 2,801 or above 350.00 340.00

8Customer can choose either gross floor area or saleable area as the basis for calculation of premium.

24-hour Emergency Home Assistance Service

24-hour Emergency Home Assistance Service
  Standard hours Non-standard hours
Standard area Cashless HKD800 surcharge
Remote area HKD800 surcharge HKD1,200 surcharge

24-hour Emergency Home Assistance Service must be rendered by the service provider nominated by Zurich Insurance Company Ltd. The service is only applicable to the first site inspection and repair (not including any material costs) and is subject to service availability.
Standard hours Technician arrival time: 9 a.m. to 9 p.m., Monday to Sunday except public holidays
Standard area  Hong Kong Island, Kowloon, New Territories and Tung Chung
Remote area   Outlying islands except Tung Chung and restricted areas (including Mai Po, boundary control points and villages of the Frontier Closed Area, etc.)

 

Please call Fubon Bank Enrollment Hotline 2806 5038 during office hours* for more details.

 

*Office hours: Monday to Friday: 9am to 9pm (except public holidays).

 

Terms and Conditions

Major exclusions:
Unexplained loss, illegal building works; electrical and mechanical breakdown; wear and tear; war; terrorism; radioactive contamination; pollution and contamination, etc.
 
Remarks:
  • The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency.
  • Zurich Insurance Company Ltd (“Zurich”) is the insurance underwriter of the above insurance plan and is authorized and regulated by the Insurance Authority. Zurich is solely responsible for all approvals, coverage and compensation under this policy and reserves the right of final approval and decision on such matters.
  • Zurich is not a subsidiary or an affiliate of Fubon Bank (Hong Kong) Limited (“Fubon Bank”).
  • Fubon Bank is the licensed insurance agency appointed by Zurich , and is responsible for introduction of the insurance plans. The Plan is not the product of Fubon Bank. Fubon Bank is not responsible for approval, coverage and compensation under the Plan.
  • 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 Zurich and you.
  • Levy collected by the Insurance Authority (if any) has been imposed on this policy at the applicable rate and would be remitted in accordance with the prescribed arrangements. For further information, please visit Zurich's company website: http://www.zurich.com.hk/ia-levy.
  • Zurich is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
  • The English version shall prevail in case of inconsistency between the English and Chinese versions.

Terms and Conditions for Home Insurance Promotion:
  1. The promotion period is from 25 June 2021 to 31 October 2021, both dates inclusive ("Promotion Period").
  2. Within the Promotion Period, customer who successfully enrolled in Fubon Home Plus Insurance Plan – Householder Insurance or HomeChoice Insurance Plan – Landlord Plan (“Designated Policy”) through dedicated hotline operated by Fubon Bank (Hong Kong) Limited (the “Bank”) or dedicated insurance enrollment portal of Zurich Insurance Company Ltd (“Zurich”) accessed through the Bank’s website (“Eligible Customer”) is entitled to the below promotion reward:
    Plan Type
    Promotion Reward
    Fubon Home Plus Insurance Plan – Householder Insurance (Standard Plan 1) or HomeChoice Insurance Plan – Landlord Plan HK$100 Supermarket Coupon
    Fubon Home Plus Insurance Plan – Householder Insurance (Standard Plan 2 or DIY Plan) HK$200 Supermarket Coupon
  3. Eligible Customer must be the policyholder of the Designated Policy. The Designated Policy must be effective for at least 3 months to enjoy the above Promotion Reward.
  4. Each Designated Policy can enjoy the above offer once only.
  5. The above offer is not available for insured location with any Zurich home insurance policy surrendered, lapsed or with change of coverage within 12 months prior to the issue date of Designated Policy. The above offer is not applicable to renewal business or policy reinstatement.
  6. Promotion Reward will be sent to the correspondence address of Eligible Customer on or before 31 March 2022 by mail.
  7. The above offer cannot be used in conjunction with other promotion offers.
  8. Zurich reserves the right to offer an alternative gift as replacement without prior notice in case of shortage. The relevant Promotion Reward (or other gift replacements) is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given. The use of the Promotion Reward (or other gift replacements) is subject to the terms and conditions imposed by the Promotion Reward/gift suppliers.
  9. The Promotion Reward (or other gift replacements) is supplied to Eligible Customer by individual supplier. Zurich is not the product supplier or service provider of the relevant merchant offers and the offers details are provided by the relevant product supplier or service provider. Zurich makes no representation or warranty as to the quality of the goods or services of the relevant supplier, is not the Promotion Reward/gift supplier and shall not be liable in anyway therefor. In case of any disputes, customers should deal with the Promotion Reward/gift supplier directly.
  10. Zurich reserves the right to suspend, vary or terminate the above offer or amend the relevant terms and conditions at any time without prior notice. In case of any dispute, the decision of Zurich shall be final and conclusive.
  11. These terms and conditions are related to the promotion offer only. No reference has been made to any Zurich insurance policy or any coverage or content. Customers are advised to read and understand the policy document, coverage and content before enrolling for the relevant insurance.
  12. Should there be any inconsistency between the English and Chinese versions, the English version shall prevail.
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