The Plan covers damage to property or belongings caused by fire, including incidental damage caused by fire occurs in the building or neighourhood of the insured property, as well as property damage caused by water or otherwise by the Fire Services Department in the course of fire fighting . Protection is offered for the building (shell), furniture and fittings inside the property, decorations, electrical installations, bathroom fixtures and kitchen utensils, etc. inside the property. Optional additional cover is available for protection against damage and losses caused by a fire arising from a typhoon, hurricane, explosion, earthquake and etc.
Remark: Please refer to the policy for detailed terms and conditions and exclusions.
The above general insurance plan (“Plan”) is underwritten by QBE General Insurance (Hong Kong) Limited which is authorised and regulated in Hong Kong by the Insurance Authority. Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorised by QBE General Insurance (Hong Kong) Limited for the distribution of this Plan. Premiums will be payable to QBE General Insurance (Hong Kong) Limited upon application of this Plan. QBE General Insurance (Hong Kong) Limited would provide Hang Seng Bank commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
In respect of an eligible dispute arising between the Hang Seng Bank Limited and the customer out of the selling process or processing of the related transaction, Hang Seng Bank Limited is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the product should be resolved directly between QBE General Insurance (Hong Kong) Limited and the customer.