China BOCOM Insurance offer you a revolutionary brand new home insurance CBI CHEERS Home Living Protection in which three different plans are provided tailored for the insurance needs of different customers. The three plans are Skytop Plan, FreeStyle Plan and Classic Plan.
1、Skytop Plan
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Pay loss up to max. HK$1,500 per square foot for home contents(1)
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Refund of repair costs for electric or gas apparatus made less than 5 years(2)
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Cover musical instrument & sport equipment worldwide.
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Cover off-premises property wherever they are in HK.
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Cover cost for seeking & fixing the water leak origin.
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Cover loss by named perils to family member cemetery.
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Owner's Committee Wrongful Act (Defence Costs Only)
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Daily Cash benefits for accidental suspension of electric power &/or fresh water supplies &/or damage to main sewage systems at building of insured premises.
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2、FreeStyle Plan
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Up to maximum $2,500,000 home contents protection.
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Cover initial landlord's fixtures & fittings including doors, windows, floorings, electricity & water apparatus.
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New for Old Replacement for fitting out works or household applicants established less than 5 years.
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Cover valuables, works of art, collections, vintage wine & piano.
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Cover home contents at roof top, balcony outside the premises
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Cover personal effects (exclude valuables, mobile phone, tablet or laptop computer) carried by insured persons outside the Insured Premises and during outbound trip less than 90 days.
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Cover unauthorized use of credit or stored value card.
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Cover Domestic Helper’s Personal Effects.
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Cover money stolen by domestic helper.
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3、Classic Plan
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Up to maximum $800,000 home contents protection.
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Cover initial landlord's fixtures & fittings including doors, windows, floorings, electricity & water apparatus.
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New for Old Replacement for fitting out works or household applicants established less than 5 years.
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Cover valuables and piano.
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Extend to cover loss and damage to home contents during home removal PROVIDED new home should be insured with us.
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Cover loss or damage to household goods and appliances temporarily remove away Insured Premises for the purpose of repair, maintenance, renovation, relocation or cleaning.
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Alteration, Repairs and Decorations carried out within the Insured Premises if contract value less than 10% of contents sum insured it will not prejudice the rights & interests of the Insured.
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Adaptive home expenses incurred for insured persons who become permanent disablement during the period of insurance.
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Tenant Legal Liability (applicable to rented home).
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We will offer you the CBI MeritMaid Protection which is only available to existing policyholder &/or applicant of CBI CHEERS Home Living Protection at the time of submitting the application. The key featues of the plan are :
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Provide three different plans covering of overseas domestic helper, local part-time maid or baby sister to suit different needs of our customers
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360° Protection against Employer’s Liability arising out of in the course of employment.
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24 hours personal accidents cover whilst the insured maid is at work or on holiday.
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Comprehensive medical cover with double surgical fees protection to tackle cancer and heart diseases.
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Outpatient consultation extends fee incurred by Bonesetter, Physio & Chiropractor.
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Repatriation Expenses
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Replacement Expenses
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Temporary Helper Expenses
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Insurance policy is automatically extended to cover part-time domestic helper or baby sitter hired by Insured during the term of insurance cover at Insured Premises.
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War, civil war, mutiny, civil commotion assuming the proportions of or amounting to a popular rising, military rising, rebellion, revolution, insurrection or military or usurped power, martial law, Terrorist attack, Nuclear Fission, Radioactive Contamination, equipment for occupational or commercial use, contact lenses, depreciation, infestation, moldy, mechanical or electrical breakdown, dishonesty act of Insured, landslips or subsidence, animals, plants or any kind of creature. For other exclusions, please refer to original policy provision.
In the event of any claim under the policy, we strive to provide you with prompt, fair and courteous
claims service.
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