All individual American Express Cardmembers who are aged 18 or above, and are residing in Hong Kong with valid HKID cards.
Zurich Insurance Company Ltd is the insurance underwriter of American Express Home Insurance Plan ("this Plan") and solely responsible for all coverage and compensation. Zurich Insurance Company Ltd is not a subsidiary or an affiliate of American Express. Zurich Insurance Company Ltd reserves the right of final approval of this Plan. The above information is only a summary and does not constitute any part of the contract. For details, please refer to policy terms and conditions and exclusion clauses of this Plan and the above description is neither an offer to sell nor a solicitation to purchase any particular insurance product.
American Express International, Inc. ("We/we") identifies insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. Zurich Insurance Company Ltd and American Express International, Inc. only provide general advice and do not consider your objectives, financial situation or needs. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
In the event 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 American Express International, Inc. and the customer out of the selling process or processing of the related transaction, the American Express International, Inc. will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Zurich Insurance Company Ltd and the customer.