- Radioactive contamination, chemical, biological, biochemical and electromagnetic weapons
- War and terrorism risks
- Political risks
- Mutiny, martial law
- Consequential loss or damage of any kind unless specifically provided for otherwise in the Policy:
- DAMAGE: to any computer or other equipment or component or system or items which
processes, stores, transmits, or retrieves data or any part thereof including loss or corruption of data whether tangible or intangible (including but not limited to any information or programs or software) and whether the property of the insured or not, where such DAMAGE is caused by virus (programming or operating error) or similar mechanism or hacking.
- CONSEQUENTIAL LOSS: directly or indirectly caused by or arising from virus (programming
or operator error) or similar mechanism or hacking.
Home Protection Insurance is underwritten by MSIG Insurance (Hong Kong Limited) ("MSIG") which is a general insurer authorized and regulated by the Commissioner of Insurance of the HKSAR. Standard Chartered Bank (Hong Kong) Limited ("SCBHK") is an insurance agent appointed by MSIG. To the extent permissible by law, SCBHK shall not be liable to any person for the use of any of the above information.
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 MSIG.
Home Protection Insurance, offered by MSIG, is only available for subscription by residents of the HKSAR, subject to the relevant terms and conditions.
In respect of an eligible dispute arising between SCBHK and the customer out of the selling process or processing of the related transaction, SCBHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved between directly MSIG and the customer.