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Get peace of mind by protecting your home and its contents.

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Get peace of mind by protecting your home and its contents.

Get peace of mind by protecting your home and its contents.

Home Insurance

With Allianz Home Protect, your beloved things are well protected. Enjoy 25% premium discount in the first policy year with successful application on or before 31 December 2019.

Allianz Home Protect Promotion

From 1 April to 31 December 2019 (both dates inclusive), upon successful application and payment made for Allianz Home Protect plan from Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”) website as accessed through Standard Chartered Bank (Hong Kong) Limited (the “Bank”) website, you can enjoy the below privilege.

Hk home content allianz masthead

PREMIUM DISCOUNT ON ALLIANZ HOME PROTECT PLAN

TERMS AND CONDITIONS APPLY

General Terms and Conditions for Allianz Home Protect Promotion

1.The promotion (the “Promotion”) shall run from 1 April 2019 to 31 December 2019 (both dates inclusive) (the “Promotion Period”).

2.The Allianz Home Protect is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent of Allianz. To the extent permissible by law, the Bank shall not be liable to any person for the use of any of the above information. * With effect from 1 January 2018, premium levies are imposed by the Insurance Authority. For further information, please visit www.agcs.allianz.com/global-offices/hong-kong/levy-notice.html

3.The Promotion is only available to applicants upon successful application and payment made for the Allianz Home Protect through Standard Chartered Bank (Hong Kong) Limited (the “Bank”) during the Promotion Period (“Eligible Customer”).  The Promotion comprises as follows:

a)25% premium discount in the first year

In relation to paragraph (a) above, the promotion code “HRM25” is required to be entered into when making online applications.

4.The discounted premium of this Promotion is not exchangeable for cash, other item or voucher of other denomination.

5.An Eligible Customer who has enjoyed the Promotion is not entitled to any other promotional offers in respect of the same insured property in the first year. The data appearing in Allianz’s records will be conclusive as to the date on which the policy of the relevant insurance product was filed, withdrawn or cancelled.

6.These terms and conditions apply to the Promotion for the Allianz Home Protect only and no reference has been made to any other Allianz insurance policy (“Policy”) or any coverage or content thereunder. Customers have read, understood and agreed to the terms of all insurance policies before applying for the relevant insurance.

7.Customers understand and accept that the Bank is not the supplier of the products/ services purchased from the merchant / insurer. The Bank shall bear no liability relating to any aspect of the products/services, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchant / insurer, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the products/services provided by the merchant / insurer, its employees, officers or agents.

8.The Bank and Allianz reserve the right to alter or terminate the Promotion and/or amend the terms and conditions at any time without notice.

9.All matters or disputes in relation to the Promotion and the interpretation of terms and conditions herein shall be subject to the decision of the Bank and Allianz, which shall be final and binding.

10.If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and/or any details of the Promotion, the English version shall prevail.

Limited Offer

From now till 30 June 2019, enjoy 30% premium discount on Home Protect upon successful application of Hospital Income Protect Plan through our insurance hotline 3408 1638.

Terms and Conditions for Allianz Home Protect Promotion for Existing/New Hospital Income Protect policyholder (the “Promotion”)

  1. The Promotion shall run from 1 April 2019 to 30 June 2019 (both dates inclusive) (the “Promotion Period”).

 

  1. The Allianz Accident Protect plan is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (“Allianz”) which is a general insurer authorized and regulated by the Insurance Authority of the HKSAR. Standard Chartered Bank (Hong Kong) Limited (the “Bank”) is an insurance agent of Allianz. To the extent permissible by law, the Bank shall not be liable to any person for the use of any of the above information.

* With effect from 1 January 2018, premium levies are imposed by the Insurance Authority. For further information, please visit www.agcs.allianz.com/hk

 

  1. The Promotion comprises of 30% premium discount in the first year of the Allianz Home Protect plan and is only available to an existing or new policy holder of the Allianz Hospital Income Protect plan who has successfully applied for, and made full premium payment for the first year of the Allianz Home Protect plan applied via the client center of the Bank during the Promotion Period (“Eligible Customer”).

 

  1. The discounted premium under the Promotion is not exchangeable for cash, other item or voucher of other denomination.

 

  1. These terms and conditions apply only to the Promotion of the Allianz Home Protect plan and no reference has been made to any other Allianz insurance policy or any coverage or content thereunder. Customers have read, understood and agreed to the terms of all insurance policies before applying for the relevant insurance.

 

  1. Customers understand and accept that the Bank is not the supplier of the products/ services purchased from the merchant / insurer. The Bank shall bear no liability relating to any aspect of the products/services, including without limitation, their quality, the supply, the descriptions of goods and/or services provided by the merchant / insurer, any false trade description, misrepresentation, mis-statement, omission, unauthorized representation, unfair trade practices or conduct in connection with the products/services provided by the merchant / insurer, its employees, officers or agents.

 

  1. The Bank and Allianz reserve the right to alter or terminate the Promotion and/or amend the terms and conditions at any time without notice.

 

  1. All matters or disputes in relation to the Promotion and the interpretation of terms and conditions herein shall be subject to the decision of the Bank and Allianz, which shall be final and binding.

 

  1. If there is any inconsistency or conflict between the English and the Chinese versions of these terms and conditions and/or any details of the Promotion, the English version shall prevail.

Benefits

COVER
LIMIT OF LIABILITY (HK$)
  Silver Plan Gold Plan Platinum Plan
Home Contents

·   Loss or damage to the home contents against fire, typhoon, gas explosion, water damage, theft, accidental damage and so on

·   Household improvement including improvements and  betterments on walls, windows, ceiling, floors and doors

·   Loss or damage to the  home contents in the course of removal by professional removers

500,000
per period of
insurance
1,000,000
per period of insurance
1,500,000
per period of insurance
The maximum cover for

·  Furniture and home appliances (e.g. leather sofa, hi-fi)

 100,000 per item  200,000 per item  300,000 per item
·  Valuables (e.g. jewellery, watches, furs) 10,000 per item
175,000 in total per event
20,000 per item
350,000 in total per event
30,000 per item
525,000 in total per event
Temporary Removal

Loss or damage to home contents while being temporarily removed up to 14 days for renovation, maintenance, cleaning and so on

75,000
per period of insurance
150,000
per period of insurance
225,000
per period of insurance
Temporary Storage of Furniture

Loss or damage to home contents while being stored in a furniture depository for up to 30 days

50,000
per event
100,000
per event
150,000
per event
Alternative Accommodation

Home is damaged and rendered uninhabitable by accidents

1,000 per day

30 days per event

1,500 per day

30 days per event

2,000 per day
30 days per event
Window/ Door Replacement

Loss or damage to door or window during commission of a burglary

2,500 per event 5,000 per event 7,500 per event
Domestic Servant’s Property

Loss or damage to personal effects of the Insured’s domestic servant

5,000 per event 10,000 per event 15,000 per event
Home Contracting Works

Loss or damage incurred due to contracted work provided the renovation period does not exceed 2 months

75,000

(5,000 per item)

150,000

(10,000 per item)

225,000

(15,000 per item)

Emergency Cash Allowance

Cash allowance for the purchase of essentials & necessities in the event of your home is uninhabitable for at least 5 days due to a loss or damage

500 per event 1,000 per event 1,500 per event
Worldwide All Risk

Loss or damage of Personal Effects:

The maximum cover per period of insurance for:

·        Loss of Personal Document

·        Loss of Personal Money

·        Unauthorised Use of Credit Cards

10,000
per period of insurance(5,000 per item)

1,500

1,500

2,500

20,000
per period of insurance(10,000 per item)

3,000

3,000

5,000

50,000 per
period of insurance(20,000 per item)

4,500

4,500

7,500

Personal Liability

Any claim made against you for bodily injury or property damage resulting from negligence by you or your Family Members*

*Family Members shall mean your spouse, children, parents and relatives normally living with you.

4,000,000
per event
8,000,000
per event
12,000,000
per event
Optional Extensions
1)   Mortgage Loan Instalment Protection

·      Loss or damage to building by the covered insured events

·      Death or Permanent Disablement

50,000 or 6-month mortgage repayment
per period of insurance(whichever is lower)
2)   Landlord Insurance

·      Malicious damage by tenant

·      Tenant runaway without any notice

·      Legal fees for Letter of Demand

10,000 per period of insurance

5,000 per period of insurance

Twice a year, up to 2,000 per period of insurance

Notes :
  1. Certain benefits such as Alternative Accommodation, Window/Door Replacement, Home Contracting Works and Emergency Cash Allowance do not have an excess. The excess is HK$1,000 for each claim arising from Household Removal; HK$500 for each claim arising from water damage; HK$10,000 or 10% of the loss (whichever is greater) for each claim arising from landslip or subsidence and HK$200 for each claim arising from Worldwide All Risk. The excess for all other claims is HK$250.
  2. Loss or damage due to wear and tear, depreciation and war are not covered by this policy. For the full list of exclusions, please refer to the policy wordings.

Premium Table (Excluding Levy)

Plan
Annual Premium (HK$)
Monthly Premium (HK$)
Silver Plan 913 77
Gold Plan 1,625 136
Platinum Plan 2,563 214
Optional Extensions  
Mortgage Loan Instalment Protection 148 13
Landlord Insurance 623 52
Notes:
  1. The same competitive premium is applicable for any floor size.
  2. The insured premise contains no illegal structure and is built of and roofed with bricks, stones or concrete. The building is not a village house or a house of similar nature.
  3. The insured premise is located in Hong Kong Special Administrative Region and is less than 40 years of age.
  4. The insured premise is used solely for domestic residential purposes.
  5. The Insured shall give Allianz prior notice if the insured premise becomes unoccupied and remains so for a period of more than six consecutive weeks.
  6. Any policy with policy inception date on or after 1 January 2018 is subject to the insurance levy. The premiums stated in the above tables are exclusive of levy collected by the Insurance Authority on relevant policy at the applicable rate. For further information, please visit www.agcs.allianz.com/global-offices/hong-kong/levy-notice.html or contact Allianz Customer Service Hotline (852) 8100 2402.

Disclaimer and Important Notes

The above plan is underwritten by Allianz Global Corporate & Specialty SE Hong Kong Branch (Allianz) which is a general insurer authorized and regulated by the Insurance Authority of Hong Kong. Standard Chartered Bank (Hong Kong) Limited is an insurance agent appointed by Allianz. To the extent permissible by law, Standard Chartered Bank (Hong Kong) Limited shall not be liable to any person for the use of any of the above information.

The above plan, offered by Allianz, is only available for subscription by residents of the HKSAR, subject to the relevant Terms and Conditions.

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. 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 of the policy, the Terms of the policy shall prevail. For exact Terms and Conditions and details of the exclusions, please refer to the relevant policy or contact Allianz.

The material and information contained on this Web Site is provided for general information only and should not be used as a basis for making business decisions. Any advice or information received via this Web Site should not be relied upon without consulting primary or more accurate or more up-to-date sources of information or specific professional advice. You are recommended to obtain such professional advice where appropriate.

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 Standard Chartered Bank (Hong Kong) Limited and the customer out of the selling process or processing of the related transaction, Standard Chartered Bank (Hong Kong) Limited will enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the product should be resolved directly between Allianz and the customer.