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Benefit Table

American Express Home Insurance Plan

Table of Benefits

Coverage Maximum Amount (HKD)
Section Plan 1 Plan 2
1. Legal Liability Top
Limit of Liability
Per any one Accident and any one Period of Insurance
10,000,000 15,000,000
Deductible for Section 1 Not Applicable Not Applicable
2. Home Contents Top
Total Sum Insured
Per any one Accident and any one Period of Insurance
1,000,000 2,000,000
(Sum Insured sub limit for Valuables per any one Accident and any one Period of Insurance) (300,000) (300,000)
Individual Limit per item, set or collection
  • a) Personal Belongings
20,000 20,000
  • b) Valuables
30,000 30,000
  • c) Stamps, coins or medals collection
5,000 5,000
  • d) Other Contents
150,000 150,000
Deductible for Section 2 Not Applicable Not Applicable
Extended Benefits for Section 2
Per any one Accident and any one Period of Insurance
A – Deterioration of frozen food 5,000 5,000
B – Outdoor property 50,000
(2,000 per item)
50,000
(2,000 per item)
C – Debris removal 20,000 20,000
D – Alternative accommodation 60,000
(1,500 per day for maximum 45 days)
100,000
(2,500 per day for maximum 45 days)
E – Feng Shui consultation 3,000 3,000
F – Temporary removal 100,000 100,000
G – Moving to a new Home 100,000 100,000
3. Emergency Assistance Benefits Top
Electrical, Plumbing, Locksmith Assistances Referral Service
And
500 per Accident
Referral Service
And
500 per Accident
Others Referral Service only Referral Service only
4. Worldwide Personal Possessions Top
Total Sum Insured
Per any one Accident and any one Period of Insurance
30,000 30,000
Individual Limit per item, set or collection 5,000 5,000
Deductible for Section 4 350 350
Extended Benefits for Section 4
Per any one Accident
A – Loss of Money 3,000 3,000
B – Unauthorized use of credit cards 3,000 3,000
C – Replacement of personal documents 3,000 3,000

Monthly Premium (HKD)

Floor Area (sq. ft.) Monthly Premium (HKD)
Gross Floor Area Saleable Area Plan 1 Plan 2
700 or below 560 or below 118 236
701 – 1,500 561 – 1,200 148 296
1,501 – 3,000 1,201 – 2,400 218 436

Major Exclusions:

  • Unexplained loss, Illegal building works; electrical and mechanical breakdown; wear and tear; war; terrorism; radioactive contamination; nuclear; pollution contamination etc.
  • For full terms and conditions and exclusions, please refer to the policy document itself.