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American Express
Home Plus Insurance Plan
Let you and your family enjoy extra peace of mind
Underwritten by:
We value you plus your home
Home is where the heart is, let's protect it.
With our multiple protections and optional benefits, you can customize the sum insured and simply enjoy the fact that life can be full of flexibility.
Enrollment Offer for American Express Cardmembers
From now till December 31, 2024, upon successful enrollment in American Express Home Plus Insurance Plan by entering promo code "AEPROMO24" before checkout, you can get 20% savings on your first-year premium.
Terms and Conditions apply.
- This promotion is valid from October 17, 2024 to December 31, 2024, both dates inclusive ("Promotional Period").
- During the Promotional Period, Eligible Cardmembers who successfully enroll in American Express Home Plus Insurance Plan (“Plan”) with Valid Promo Codes “AEPROMO24” (“Valid Promo Codes”) entered at the quotation stage before proceeding to payment will be eligible to enjoy 20% first-year premium discount (“Offer”).
- To enjoy the Offer, the Monthly Premium must be settled with American Express® Card issued by American Express International, Inc. (“American Express”) in Hong Kong (“Eligible Card” and “Eligible Cardmembers”). The US Dollar Card, American Express® Corporate Card, American Express Business Travel Account, Corporate Purchasing Card, Cards bearing the American Express name, brand or logo issued by partners of American Express and all American Express Cards issued outside of Hong Kong are not eligible to participate in the promotion.
- The Offer is non-exchangeable for other gifts, non-redeemable for cash, and no change will be given.
- American Express and Zurich reserve the right to amend the Terms and Conditions of this Offer, suspend or terminate the Offer at any time without prior notice. In case of dispute, the decision of American Express and Zurich shall be final.
- If Eligible Cardmember subsequently cancels this policy and receives a refund of the policy premium after the policy effective date, American Express reserves the right to debit the amount equivalent to the value of the Offer received from the Eligible Cardmembers’ concerned Eligible American Express Card account without prior notice. Offer cannot be used in conjunction with any other offers or promotions.
- In case of any enquiry related to this offer, please call the 24-hour enquiry hotline shown at the back of your card or our customer service hotline at 2277 1010.
- In the event of any inconsistency between the English and Chinese versions of these Terms and Conditions, the English version shall prevail.
Important Notes:
Zurich is the underwriter of the policy and is authorised and regulated by the Insurance Authority. American Express is an appointed insurance agency of Zurich and is registered with the Insurance Authority, the license number is FA3113.
American Express identifies insurance providers and products that may be of interest to you. In this role American Express does not act as an agent or fiduciary for you, and American Express may act on behalf of the insurance provider, as permitted by law. American Express wants you to be aware that American Express receives commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements American Express has with certain providers, including the potential to reinsure products, may also influence what products American Express identifies. Zurich and American Express only provide general advice and do not consider your objectives, financial situation or needs. American Express does not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
Here’s a glance of what we cover
Up to HK$3,000,0001,2 home contents3 protection
- Cover for any accidental loss, destruction or damage to home contents3 at your home, including personal belongings4, furniture, computers, mobile phones as well as windows, doors and floor tiles
- Up to HK$500,000 valuables4 protection, including your jewellery, gold, silver, precious metals, furs, watches, curios, works of art and antiques
- Unlimited number of claims within the maximum annual coverage5
HK$10,000,000 legal liability protection
- Cover for legal liability compensation payable for accidental bodily injury to another person or accidental damage to another person’s property as an owner or occupier of your home, a pet owner or a tenant
- Include home owner’s liability in common areas of the building
- Cover for worldwide personal legal liability
Customize the maximum amount and optional benefits flexibly
- Adjust the sum insured amount of designated benefits under core benefits of DIY Plan6
- Optional benefits of building7, worldwide personal possessions8 and personal fine art collection9 cover
Multiple protections catering to your multidimensional lifestyle
- Repair cost reimbursement for accidental and physical damage to mobile phones, tablets and laptops worldwide
- Cover loss of money and unauthorized use of credit cards due to loss of personal properties
- Feng Shui consultation costs reimbursement and alternative accommodation protection
- Pet-related protection, including legal liability protection as a pet owner and alternative accommodation costs and expenses for your pets
24-Hour Emergency Home Assistance Services
- Hassle-free cashless approach10 for emergency plumbing, electrical or locksmith assistance
- Other free referral services
- The maximum amount of total sum insured is HK$1,000,000 under the Standard Plan. Depending on your individual needs, you may choose between HK$1,000,000, HK$2,000,000 and HK$3,000,000 as the maximum amount of total sum insured under the DIY Plan.
- Sublimits apply.
- For a residence situated in a multistorey building which is aged at 40 years or below, the standard deductible under Home Contents section is Nil. For a residence situated in a multistorey building which is aged over 40 years, deductibles might apply to certain benefits under Home Contents section.
- Personal belongings or valuables protection is inclusive in Home Contents section, which subject to a HK$30,000 sublimit per set, pair or collection and and a maximum coverage of up to HK$500,000 per annum.
- Excluding repair cost for electronic communication products or laptop computers or tablet computers.
- Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
- The standard deductible under Building (optional benefit) section is Nil.
- The standard deductible for specified items of Worldwide Personal Possessions Protection (optional benefit) is HK$250 for each and every loss.
- The standard deductible for Personal Fine Art Collection (optional benefit) is HK$3,000 or 10% of adjusted loss for each and every claim, whichever is the greater.
- Applicable to Standard Hours and Standard Area. Surcharge may apply. Please refer to the Table of Benefits (Section 3 - Emergency Assistance Benefits) for details.
| Glossary | Definition |
| Accident / Accidental | means a sudden, unexpected and unforeseen event not under the control of You and/or a member of Your Household or Your Domestic Helper and which results in a loss. |
| Bodily Injury |
means injury, sickness, disease and mental injury or death resulting therefrom. |
| Contents |
means furniture, fixtures, fittings, plate glass, fixed glass items,clothing, household goods, personal belongings, desktop computers, laptop computers, tablet computers, electronic communication products, valuables, collection of stamps, coins or medals, wine and interior decorations which belong to you and/or a member of yourhousehold but excluding:
|
| Deductible |
means the specified amount(s) that are not indemnifiable under this Policy and for which You and/or members of Your Household shall first be responsible before any indemnifiable amounts are payable by the Insurer under the relevant sections of this Policy. |
| Domestic Helper |
means any individual who has entered into an employment contract which is valid during the Period of Insurance with You and/or a member of Your Household and whose duties under such contract are to perform full-time live-in domestic duties at Your Home. |
| Electronic Communication Products |
means pagers, portable/mobile phones, smart phones, personal digital assistant (PDA) of any kind. |
| Emergency |
means sudden and unforeseen events happening at Your Home which cause an impending or direct threat to the life or property of You or a member of Your Household or third parties and which require immediate temporary repair or serviceby an electrician, a plumber or a locksmith. |
| Employee(s) |
has the same meaning as assigned to that expression in the Employees’ Compensation Ordinance, Chapter 282 of the Laws of Hong Kong. |
| Fittings |
means the items which are not permanently fixed at Your Home and can be taken with You when moving to a new Home. |
| Fixtures |
means permanently fixed items including but not limited to floor tiles, windows and main door in Your Home which would not be removed or taken when moving to a new Home. |
| Home |
means the private dwelling, house or private flat owned or occupied by You and/or a member of Your Household at the insured location stated in the Schedule. |
| Household |
means a member of Your family, relatives and/or other persons permanently living at Your Home, except any tenant(s) who has entered any tenancy agreement with You. |
| Limit of Liability / Sum Insured |
means the limit of liability or insured amount(s) as stated in the Schedule. |
| Period of Insurance | means the period of insurance as stated in the Schedule. |
| Personal Belongings |
means property normally worn or carried by a person in everyday’s life but excluding:
|
| Policy |
means this Policy document and the Schedule issued by Zurich specifying the terms and extent of cover to You and a member of Your Household. |
| Schedule |
means the policy schedule which is attached to and which forms an integral part of this Policy. |
| Valuables |
means jewelry, gold, silver, precious metals, furs, watches, curios, works of art and antiques. |
| You / Your |
means the person(s) or party(ies) stated in the Schedule as an Insured. |
| Zurich / The Insurer | means Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) |
Take a look at the key benefit levels
We're here to provide you with clear facts about the benefits and options, so that you, whether as a home owner or a tenant, can choose the home insurance cover that suits your needs. Enjoy the flexibility of choosing between Standard Plan and DIY Plan.
| Coverage | Maximum Amount (HK$) | |
| Standard Plan | DIY Plan† | |
| Maximum coverage for legal liability (per annum) | 10,000,000 | 10,000,000 |
† Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
| Coverage | Maximum Amount (HK$) | |
| Standard Plan | DIY Plan† | |
Maximum coverage for home contents# (per annum) (subject to the sub limits set out below) |
1,000,000 | 1,000,000 / 2,000,000 / 3,000,000▲ |
| A) Core Benefits | ||
Home contents# (per set, pair or collection) |
150,000 | 150,000 / 300,000 |
| Stamps, coins or medals collection (per set, pair or collection) | 5,000 | 5,000 |
| Wine (per item) | 5,000 | 5,000 / 15,000 / 50,000 |
| Personal belongings or valuables (per set, pair or collection) |
30,000 |
30,000 |
| Maximum coverage for personal belongings or valuables (per annum) |
300,000 |
300,000 / 500,000 |
| B) Extended Benefits (per accident, unless otherwise specified) | ||
| Home Protection | ||
| 5,000 | 5,000 |
|
50,000 (2,500 per item) |
50,000 (2,500 per item) |
|
| 20,000 |
20,000 |
|
| 100,000 | 100,000 | |
| 600,000 | 600,000 | |
| Maximum coverage (per annum) | 60,000 | 60,000 |
| Daily limit | 3,000 | 3,000 |
| Number of indemnity day | 45 | 45 |
| Meal allowance (per day) | 600 | 600 |
| Alternative accommodation for pets (per day) | 3,000 | 3,000 |
| 3,000 | 3,000 | |
| Worldwide Protection | ||
| 20,000 | 20,000 | |
| 5,000 | 5,000 | |
| 5,000 | 5,000 | |
Repair cost reimbursement for electronic communication products or laptops computers or tablet computers* |
2,500 per phone
5,000 |
2,500 per phone
5,000 |
† Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
# For a residence situated in a multistorey building which is aged at 40 years or below, the standard deductible under Home Contents section is Nil. For a residence situated in a multistorey building which is aged over 40 years, deductibles might apply to certain benefits under Home contents section.
▲ The maximum amount of total sum insured is HK$1,000,000 under the standard plan. Depending on your individual needs, you may choose between HK$1,000,000, HK$2,000,000 and HK$3,000,000 as the maximum amount of total sum insured under the DIY plan.
* Maximum 2 repair cost reimbursements per policy year.
| Coverage | Maximum Amount (HK$) | |
| Standard Plan | DIY Plan† | |
| Emergency Home Assistance Service§ | Hassle-free cashless approach |
Hassle-free cashless approach |
| Others | Referral service only | Referral service only |
† Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
§ Emergency Home Assistance Service will not provide any assistance service if the repair necessitates the breaking of wall or decoration of your home.
Surcharges on Emergency Home Assistance Service
| Standard hours⊛ | Non-standard hours |
|
| Standard area♦ | Cashless |
HK$800 surcharge |
| Remote area❖ |
HK$800 surcharge |
HK$1,200 surcharge |
Emergency Home Assistance Service must be rendered by the service provider nominated by Zurich. The service is only applicable to the first site inspection and repair (not including any material costs) and is subject to service availability.
⊛ Standard hours: Technician arrival time: 9 a.m. to 9 p.m., Monday to Sunday except public holidays
♦ Standard area: Hong Kong Island, Kowloon, New Territories (except remote area) and Tung Chung
❖ Remote area: Outlying islands except Tung Chung and restricted areas (including Mai Po, boundary control points and villages of the Frontier Closed Area, etc.)
| Coverage | Maximum Amount (HK$) | |
| Standard Plan |
DIY Plan† |
|
Accidental damage to the building Covers for the costs and expenses to repair or replace of any hidden fixtures and/or structural parts of your home arising out of any accidental loss destruction or damage to your home. hidden fixtures, include and are limited to the drains, pipes, cables and wires that are for the sole use of your home.
|
Based on rebuilding cost | Based on rebuilding cost |
| Extended benefits - Debris removal (per accident) Covers cost and expenses incurred with Zurich’s prior written consent for the removal of the debris or the dismantling or demolishing, shoring up or propping of the portion or portions of your home.
|
5% of rebuilding cost | 5% of rebuilding cost |
| Extended benefits - Architects' and surveyors' fee (per accident) Covers for any fees charged by architects, surveyor, engineer, legal or other professional body incurred with Zurich’s prior written consent for the reinstatement of any hidden fixtures and/or structural parts of your home.
|
5% of rebuilding cost | 5% of rebuilding cost |
◘ The standard deductible under Building (Optional Benefit) section is Nil.
† Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
| Coverage |
Maximum Amount (HK$) |
|
| Standard Plan |
DIY Plan† |
|
| Worldwide Personal Possessions Protection - Unspecified Itemsǂ (Core Benefit) |
||
| Maximum coverage (per accident) |
30,000 |
30,000 |
| Per item |
5,000 | 5,000 |
| Worldwide Personal Possessions Protection - Specified Items◎ (Optional Benefit) |
||
| Maximum coverage |
Sum insured at your choice |
Sum insured at your choice |
^ Additional coverage for specified items is available as an optional benefit.
† Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
ǂ Unspecified items of Worldwide Personal Possessions Protection is subject to a deductible of HK$250 for each and every loss.
◎ The standard deductible for specified items of Worldwide Personal Possessions Protection (Optional Benefit) is HK$250 for each and every loss.
| Coverage | Maximum Amount (HK$) | |
| Standard Plan |
DIY Plan† |
|
Maximum coverage for personal fine art collection⌘ (per annum) |
Sum insured at your choice |
Sum insured at your choice |
⌘ The standard deductible for Personal Fine Art Collection (Optional Benefit) is HK$3,000 or 10% of adjusted loss for each and every claim, whichever is the greater.
† Applicable to online enrollment only and you can select your preferred sum insured from the preset amount in some of the options.
Major Exclusions:
- Unexplained loss
- Criminal activities
- Latent defects
- Deliberate damage
- Consequential loss
- Loss of value
- Dispossession
- Unauthorized building works
- Pollution and contamination
- Radioactive contamination
- War
- Terrorism
- Sonic bangs
- Software and data-related losses exclusion
| Glossary | Definition |
| Accident / Accidental | means a sudden, unexpected and unforeseen event not under the control of You and/or a member of Your Household or Your Domestic Helper and which results in a loss. |
| Bodily Injury |
means injury, sickness, disease and mental injury or death resulting therefrom. |
| Contents |
means furniture, fixtures, fittings, plate glass, fixed glass items,clothing, household goods, personal belongings, desktop computers, laptop computers, tablet computers, electronic communication products, valuables, collection of stamps, coins or medals, wine and interior decorations which belong to you and/or a member of yourhousehold but excluding:
|
| Deductible |
means the specified amount(s) that are not indemnifiable under this Policy and for which You and/or members of Your Household shall first be responsible before any indemnifiable amounts are payable by the Insurer under the relevant sections of this Policy. |
| Domestic Helper |
means any individual who has entered into an employment contract which is valid during the Period of Insurance with You and/or a member of Your Household and whose duties under such contract are to perform full-time live-in domestic duties at Your Home. |
| Electronic Communication Products |
means pagers, portable/mobilephones, smart phones, personal digital assistant (PDA) of any kind. |
| Emergency |
means sudden and unforeseen events happening at Your Home which cause an impending or direct threat to the life or property of You or a member of Your Household or third parties and which require immediate temporary repair or serviceby an electrician, a plumber or a locksmith. |
| Employee(s) |
has the same meaning as assigned to that expression in the Employees’ Compensation Ordinance, Chapter 282 of the Laws of Hong Kong. |
| Fittings |
means the items which are not permanently fixed at Your Home and can be taken with You when moving to a new Home. |
| Fixtures |
means permanently fixed items including but not limited to floor tiles, windows and main door in Your Home which would not be removed or taken when moving to a new Home. |
| Home |
means the private dwelling, house or private flat owned or occupied by You and/or a member of Your Household at the insured location stated in the Schedule. |
| Household |
means a member of Your family, relatives and/or other persons permanently living at Your Home, except any tenant(s) who has entered any tenancy agreement with You. |
| Limit of Liability / Sum Insured |
means the limit of liability or insured amount(s) as stated in the Schedule. |
| Period of Insurance | means the period of insurance as stated in the Schedule. |
| Personal Belongings |
means property normally worn or carried by a person in everyday’s life but excluding:
|
| Policy |
means this Policy document and the Schedule issued by Zurich specifying the terms and extent of cover to You and a member of Your Household. |
| Schedule |
means the policy schedule which is attached to and which forms an integral part of this Policy. |
| Valuables |
means jewelry, gold, silver, precious metals, furs, watches, curios, works of art and antiques. |
| You / Your |
means the person(s) or party(ies) stated in the Schedule as an Insured. |
| Zurich / The Insurer | means Zurich Insurance Company Ltd (a company incorporated in Switzerland with limited liability) |
Policy Wordings
Would you like to learn more about the Plan?
All the information you need is in the policy document.
Eligibility
The applicant must be:
• American Express Cardmember
• Aged 18 or above
• Residing in Hong Kong
• Holding a valid Hong Kong Identity Card
Important Notes
-
This policy will be automatically renewed annually subject to the consent of Zurich Insurance Company Ltd and the premium will be debited from your American Express® Card.
Having questions in mind?
About Zurich
We're here if you need us
American Express and Zurich Insurance Company Ltd ("Zurich") work together to deliver quality insurance products to our Cardmembers. Zurich is committed to providing you with a high level of customer service. Please contact Zurich for further information about American Express Home Plus Insurance Plan.
Hotlines
• Sales Enquiry Hotline: (852) 2903 9432
• Customer Service Hotline: (852) 2903 9445
Service Hours:
9:00 a.m. to 5:30 p.m., Monday to Friday (except public holidays)
Company Website
Address
Zurich Insurance Company Ltd
25-26/F, One Island East
18 Westlands Road, Island East
Hong Kong
Zurich Emergency Home Assistance Service Hotline
(852) 2851 0038
Service Hours：
24 hours, Monday to Sunday (including public holidays)
Zurich will settle your claims once they have received all the required documents. Simply follow the simple claim procedure:
- Inform Zurich with below means within 30 days after the incident.
- Complete and return the claim form and all required documents to Zurich.
Customer Service Hotline
(852) 2903 9445
Service Hours:
9:00 a.m. to 5:30 p.m., Monday to Friday (except public holidays)
Zurich Insurance Company Ltd
25-26/F, One Island East
18 Westlands Road, Island East
Hong Kong
Please contact Zurich for the Claim Form and submit your claim(s) after the incident within 30 days.
Ready to apply?
Home sweet home and leave the worrying to us!
Zurich Insurance Company Ltd ("Zurich") is the insurance underwriter of American Express Home Plus Insurance Plan ("this Plan") and solely responsible for all coverage and compensation. Zurich is not a subsidiary or an affiliate of American Express International, Inc. ("We/we/us"). Zurich reserves the right of final approval of this Plan. The above information is only a summary and does not constitute any part of the contract. For details, please refer to policy terms and conditions and exclusion clauses of this Plan and the above description is neither an offer to sell nor a solicitation to purchase any particular insurance product.
We identify insurance providers and products that may be of interest to you. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive commissions from providers and commissions may vary by provider and product. Also, in some cases, an American Express entity outside of the country may be the reinsurer and may earn reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. Zurich and we only provide general advice and do not consider your objectives, financial situation or needs. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.
In the event 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 us and the customer out of the selling process or processing of the related transaction, we will enter into a Financial Dispute Resolution Scheme process with the customer; however any disputes over the contractual terms of the product should be resolved directly between Zurich and the customer.