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HKPTU Online Promotion Campaign

From the 1st  August 2019 to the 31st October 2019, get up to HK$50 in HKPTU voucher when purchasing a HKPTU Comprehensive Home Protection Insurance online*.

*Terms & Conditions apply.

HKPTU Comprehensive Home Protection Insurance Benefits

You work hard to provide a home for your family and build assets for the future. Make sure you protect your hard-earned assets against loss, damage and theft with comprehensive home insurance from AIG. AIG’s HKPTU Comprehensive Home Protection Insurance protects you and your home against fire, explosions, natural disasters, riots and malicious damage. We offer two different plans, providing flexible coverage to meet your family’s needs.

  • Minimum Premium per Policy is HK$250
  • Provide cover with loading for the premises which building year was over 40
  • Maximum Coverage for Household Contents All Risks up to $1,500,000
  • Accidental Death Cover up to $200,000

Flexible Plans from HK$250*

  • Comprehensive coverage for your household belongings,
  • All Risks protection covers your home contents
  • Protection for your belongings
  • Legal Liability
  • Low payment terms
  • Domestic Workers’ Property

*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.

#Please contact customer service team for quotation if your building age is over 45 years old.

 
 

CLICK TO COMPARE PLAN COVERAGE AND BENEFITS

Plan Benefits

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*The above information is for reference only. Please refer to the policy documents for detailed terms and conditions and exclusions. For full benefit table and premium, please refer to our Product Brochure or click Buy Now.

table1
  Coverage Gold Plan Platinum Plan

Household Contents "All Risks"

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$888,000 $1,500,000

(a) Household Content - Max Limit per item

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$150,000 / item $200,000 / item

(b) Personal Effects & Valuables (Inside Your Home) - Max Limit per item / year

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$ 100,000 / Year ($10,000 / item) $ 100,000 / Year ($10,000 / item)

Locks and Keys

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$2,000 $5,000

Temporary Removal

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$50,000 $100,000

Building Betterment

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$50,000 $100,000

Loss of Personal Document

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$1,000 $1,000

Frozen Foods

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$5,000 $5,000

Domestic Workers’ Property

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$10,000 $10,000

Temporary Accommodation

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$50,000 ($1,500 / day) $50,000 ($1,500 / day)

Accidental Death

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$100,000 $200,000

Legal Liability

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$5,000,000 $5,000,000
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How To Buy

In 4 easy steps, get immediate price quotes, compare and purchase HKPTU Comprehensive Home Protection Insurance in just minutes.  

  • Get a quote
    1

    1. Provide information

    Enter information about the property.

  • Get a quote
    2

    2. Select the preferred plan

    Choose between The Gold Plan and The Platinum Plan, plus any additional supplementary coverage.

  • Get a quote
    3

    3. Fill out personal details

    Enter personal and contact information.

  • Get a quote
    4

    Payment and Confirmation

    Pay online, and the system will successfully issue the policy.

 
 

FAQs

Your lender probably required you to purchase your fire insurance policy as a condition of your mortgage loan. The aim of this was primarily to protect you lender’s interest in the property as the mortgage provider, which focuses on the physical structure to the property. Hence, the coverage is for fire damage (being a common risk to the structure).

But what about damage caused by risks other than fire (such as typhoon and landslide)? What about your home contents: the everyday appliances, furnishings and valuables that your family possesses and which help you live your lives? And what about your potential legal liability to third parties, which can be catastrophic to your asset base? HKPTU Comprehensive Home Protection Insurance helps you address these risks. Remember, together your home and contents probably make up your most valuable asset. To give you peace of mind and financial security, make sure you have the right protection for them. 

Yes, fire insurance can be offered on a standalone basis under HKPTU Comprehensive Home Protection Insurance. Please fill in HKPTU Building Insurance of the proposal form.

You do not need to cancel the existing policy. Simply send a request to AIG Insurance Hong Kong Limited at cs.hk@aig.com to change the address and provide the new flat details. The premium may be subject to change, depending on the gross floor area, building age and type of your home.

Yes, village house or individual house may be offered insurance coverage, subject to additional premium. Please submit the case to AIG Insurance Hong Kong Limited at cs.hk@aig.com for consideration.

You do not need to cancel the existing policy. Simply send a request to AIG Insurance Hong Kong Limited at cs.hk@aig.com to change the address and provide the new flat details. The premium may be subject to change, depending on the gross floor area, building age and type of your home.

Yes, village house or individual house may be offered insurance coverage, subject to additional premium. Please submit the case to AIG Insurance Hong Kong Limited at cs.hk@aig.com for consideration.

Yes, coverage may be offered, however this is likely to be subject to a higher premium.  Please submit the case to AIG Insurance Hong Kong Limited at cs.hk@aig.com for consideration.

You may buy HKPTU Home Guard Insurance to cover your household contents. Since you are not the legal owner of the insured property, you are not qualified to apply fire policy under HKPTU Building Insurance.

For HKPTU Building Insurance:
·        Water Damage Claims: 10% of adjusted loss or HK$1,000 for each and every claim, whichever is the greater
·        All other claims: Nil

For HKPTU Home Guard Insurance:
·        $250 For each and every claim