Table of Cover

Section

Benefit

Maximum benefit limit

Amount you are responsible for

1

Building or Renovations

Overall section limit: As shown in the schedule

Sub-limit: $5,000 for expenses for tracing and accessing water seepage

• The first $100 for each and every loss or damage, except if caused by fire.
• The first $10,000 for each and every loss or damage caused by landslip and/or subsidence.
• 20% co-payment for expenses for tracing and accessing water seepage.

2

Worldwide Personal Belongings

Overall section limit: As shown in the schedule

Sub-limit: $2,500 per article, set or pair

3

Home Contents

Overall section limit: As shown in the schedule

Sub-limits:

4

Specific items covered at full value

As shown in the schedule

5

Family worldwide liability

$2,000,000

6

Professional fees

10% of the total sum insured for Building and Renovations as shown in the schedule

7

Removal of debris

5% of the total sum insured for Building, Renovations and Home Contents as shown in the schedule

8

Replacement of used fire extinguishing equipment

$2,500

9

Conservancy charges

Overall section limit: $5,000

Sub-limit: $1,000 per month

10

Cost of temporary accommodation

Combined limit: 15% of the sum insured for Building or Renovations as shown in the schedule, whichever is higher

Sub-limit: $10,000 per month

11

Loss of rent while the premises are uninhabitable due to an accident

12

Accidental breakage of fixed mirrors, fixed glass, and sanitary ware

15% of the sum insured for Building or Renovations as shown in the schedule, whichever is higher

The first $100 for each and every loss or damage, except if caused by fire.

13

Temporary removal of contents

15% of the sum insured for Home Contents as shown in the schedule

14

Household removal

100% of the sum insured for Home Contents as shown in the schedule

The first 15% of each and every loss.

15

Temporary cover for new improvements

Building and Renovations: 10% of their respective sums insured as shown in the schedule

Home Contents: 25% of the sum insured for Home Contents as shown in the schedule

See section 1 for Building and Renovations;

See section 3 for Home Contents.

16

Emergency Cash Allowance

$1,000

17

Deterioration of food in the refrigerator

$1,000

The first $50 for each and every loss.

18

Emergency Entry

$1,000

19

Loss or damage to domestic helper’s property

$1,000

20

Worldwide family personal accident

Adult aged 21 years and above but under 70 years

Child aged 30 days and above but under 21 years

Overall section limit: $50,000

Sub-limit: $20,000 for each adult

Sub-limit: $10,000 for each child

Scale of compensation

Percentage of benefit limit

a) Accidental death

100%

b) Permanent total disability

100%

c) Loss of sight in both eyes

100%

d) Loss of two or more limbs

100%

e) Loss of sight in one eye

50%

f) Loss of one limb

50%

g) Loss of speech

50%

h) Loss of hearing in both ears

50%

The total of all percentages due under this section will not be more than 100% for each person within every 12-month period of the policy.