Insured Items	Maximum Benefit Limit Per Period of Insurance (HK$)
	Plan A	Plan B	Plan C	Plan D#
Section 1 – Household Contents
Sum insured (inclusive of Basic Benefits and Extended Benefits in Section 1)	1,200,000	750,000	500,000	300,000
A. Basic Benefits
Basic Benefits cover below household contents in your home against any accidental loss or damage up to the following maximum benefit limit:
1. Furniture, furnishings, household appliances, computer, television, home audio and video equipment, piano	1,200,000	750,000	500,000	300,000
Maximum benefit limit per item/set	100,000	90,000	75,000	50,000
2. Household improvement on walls, ceilings, floors and doors	240,000	150,000	100,000	60,000
Maximum benefit limit per item/set	100,000	90,000	75,000	50,000
3. Valuables such as diamond, jewellery, watches, works of art, music instruments (except piano), etc.	400,000	250,000	166,667	100,000
Maximum benefit limit per item/set	10,000	9,000	7,500	5,000
4. Foodstuffs (except frozen food)	120,000	75,000	50,000	30,000
Maximum benefit limit per item/set	10,000	9,000	7,500	5,000
5. Other household contents	1,200,000	750,000	500,000	300,000
Maximum benefit limit per item/set	10,000	9,000	7,500	5,000
B. Extended Benefits
1. Removal of Debris	10% of adjusted loss
	Cost of removal of debris, dismantling or propping of the household contents due to accidental loss or damage.
2. Interior Alterations or Repairs	Subject to the maximum benefit limit of Section 1- Household Contents
	Loss of or damage to household contents during interior alterations or repairs (provided that the maximum contract value and contract period of not exceeding HK$50,000 and 2 months respectively).
3. Replacement of Locks or Windows	3,000
	Replacement and installation cost if windows, door locks and/or keys of the main entrance(s) of home are lost or damaged due to burglary or attempted theft.
4. Personal Effects (Worldwide)	15,000	15,000	15,000	15,000
	Accidental loss of or damage to personal effects such as handbags, watches, cameras, etc that brought along by the insured person and insured family anywhere in the world.
Maximum benefit limit per item/set	6,500	5,000	4,500	3,000
5. Money or Unauthorised Use of Credit Cards	2,000
	Accidental loss of money or loss resulting from unauthorised use of credit cards belonging to the insured person or insured family due to fire, burglary, robbery or theft in Hong Kong.
6. Personal Documents	2,000	1,800	1,500	1,000
	Replacement cost of personal documents belonging to the insured person or insured family as a result of accidental loss in Hong Kong.
7. Household Removal or Temporary Removal	200,000
	Cover the loss of or damage to household contents while they are: a) being moved by professional remover from home to a new permanent residence in Hong Kong (up to 2 days) b) temporarily removed from home for professional cleaning, repair, renovation or maintenance within Hong Kong (up to 14 days)
Maximum benefit limit per item/set	10,000
8. Storage of Household Contents	10,000	9,000	7,500	5,000
	Cash allowance will be payable if the household contents that stored in a professional storage facility are damaged due to fire, flood, water discharged or overflowing, etc.
9. Frozen Food	5,000
	Replacement cost of frozen food stored in the freezer compartment of the refrigerator which is spoiled due to a change in temperature of such refrigerator or freezer by accidental means.
10. Domestic Helper’s Property	1,500
	Accidental and physical loss of the personal effects of the insured domestic helper due to fire or burglary at home.
Maximum benefit limit per item/set	500
C. Additional Benefits
1. Alternative Accommodation	80,000	70,000	60,000	50,000
	Necessary and reasonable expenses for alternative accommodation incurred if the home becomes uninhabitable due to accidental loss of or damage to household contents.
Maximum benefit limit per day	1,800	1,500	1,200	1,000
2. Accidental Death	400,000
	Accidental death of the insured person or insured family within 3 calendar months due to fire or robbery at home.
Maximum benefit limit per family member	100,000
3. 24-hour Home Assistance Service	Included
	Provide services including electrical assistance, plumbing assistance, locksmith assistance, general repair on household items, baby sitting/nursing referral, temporary domestic helper referral, etc.
Section 2 – Public Liability
A. Basic Benefits
1. Property Owner’s or Occupier’s Liability 2. Personal Liability (Worldwide)	10,000,000	9,000,000	8,000,000	5,000,000
	Cover the legal liability to a third party arising from the insured person and/or the insured family (i) as an owner of the home, (ii) as a lawful occupier of the home, or (iii) solely in a personal capacity anywhere in the world that causing : a) accidental death or bodily injury to third party; or b) accidental loss of or damage to third party’s property
	Any one accident/any one period of insurance
B. Extended Benefit
1. Interior Alterations or Repairs Liability	1,000,000 Any one accident/any one period of insurance
	Cover the liability arising from interior alterations or repairs under Section 1 (provided that the maximum contract value and contract period of not exceeding HK$50,000 and 2 months respectively).
2. Solar Energy Generation System Liability (for Low Rise House only)	5,000,000 Any one accident/any one period of insurance
	Cover the liability to a third party for (i) accidental death or bodily injury to a third party, or (ii) accidental loss of or damage to third party’s property arising out of the use of a solar energy generation system owned by the insured property owner or occupier at the insured premises (provided that the insured premises is a low rise house).
Section 3 – Optional Benefits (Subject to additional premium)
1. All-risk Coverage for Building	According to the selected sum insured			N/A
	Cover the cost to rebuild or repair the building against accidental and physical loss of or damage arising from but not limited to fire, flood, explosion or typhoon.
2. Additional Valuables	According to the selected sum insured		N/A
	Cover the valuables such as diamond, jewellery, watches, antiques, etc against accidental and physical loss or damage.

#	Plan D can only be applied online via Blue Cross website. The gross floor area of the premises must be 500 sq. ft. or below or saleable floor area of 350 sq. ft. or below.

	For Building Age of 45 Years or Below*
For Each and Every Claim	Non-low Rise House	Low Rise House ^ (Not applicable to Plan D)
Applicable to Section 1 – Household Contents and Section 3 – Optional Benefits (All-risk Coverage for Building)
Loss or damage arising from
1. Water damage	1,000	1,000 or 10% of adjusted loss, whichever is greater
2. Landslip or subsidence	Nil	10% of adjusted loss
3. Other causes except for fire, lightning or explosion	500	1,000
Applicable to Section 2 – Public Liability
Third party property damage arising from
1. Water damage	1,000	1,000 or 10% of adjusted loss, whichever is greater

*	For building age over 45 years, excess is subject to quotation.
^	Low Rise House shall mean house/semi-detached house or village house of not more than 3 storeys (excluding the roof floor). Plan D is not applicable to Low Rise House.