Property Insurance Motor Insurance Cargo Insurance Commercial Package Insurance Employees Compensation Insurance

Accident Insurance Travel Insurance Home Insurance Domestic Helper Insurance

Property Insurance

Factory premises, stock-in-trade, furniture fixture & fittings and equipment etc. are valuable assets to your business. Fire Insurance covers these assets against damage by Fire and/or Lightning. MSIG's basic Fire Insurance policy can be extended to protect your assets against other disasters such as flood, explosion, riot and strikes, malicious act, aircraft damage and vehicle impact. If you would like to have a wider cover for your properties, that is, other than restricting cover to be against fire, lightning and theft only, MSIG's All Risks policy can provide you with comprehensive cover against loss or damage exposures. All Risks policy can be taken out to cover properties of either commercial or industrial concerns.

Motor Insurance

Commercial Vehicle
We realize your company vehicles are indispensable tools of trade. MSIG has prepared a wide range of Commercial Vehicle Insurance Policy covers for your company vehicles against accidental damage, theft loss and third party legal liabilities. MSIG's wide product range should provide you a suitable and cost effective insurance solution.

Private Car
Your private car is probably one of your most valuable assets. MSIG has designed a unique Comprehensive Private Motor Insurance Policy for customers who have No Claim Discounts(NCD) of over 30%. This insurance not only provides cover against accidental damage, theft loss and third party legal liabilities, but also provides protection such as Driver's Personal Accident Cover, NCD Protector, Windscreen Excess Waiver Extension, Alternate Vehicle, 24 hour Emergency Road Assistance, towing assistance, and 24 hour legal advisory service & claims advisory service.

Cargo Insurance

Marine
Whether you are engaged in the import /export trade or simply goods in local transit, MSIG's Marine Cargo Insurance policy can provide protection to you against loss or damage to your consignments. It provides basic cover to importers and exporters, and tailor-made Marine Cargo policies are also available to suit your particular trading terms. MSIG's global network of 400 settling / surveying offices provides you with the most efficient on-site claims services and advice.

Commercial Package Insurance

Office / Shop Package Policy
MSIG has designed a series of package policies specially to offer direct and cost-effective protection for your business establishment under ONE policy. Apart from covering your business contents with a comprehensive "All Risks"cover, this policy provides further protection for loss of money, employees' compensation, third party legal liability, and additional rent plus extra expenses necessarily incurred in case your business premises is being made untenantable.

Employees Compensation Insurance

Employee Compensation
As an employer, you are required by law to effect employees' compensation insurance for your employees. To enable you to meet this statutory requirement, our Employees' Compensation insurance covers your liabilities as an employer under the Employees' Compensation Ordinance and at common law. In addition to the basic employees' compensation cover, our policy also covers costs and expenses incurred with MSIG's consent for defending claims against you. It also provides extension of cover such as covering employees on-duty during extraordinary weather conditions at a competitive price, affordable to both medium and even small-scale enterprises.

Group Personal Protector
As a responsible employer, you may like to take out additional benefit policy for your employees. Our Group Personal Protector policy covers your employees against death, permanent disablement, temporary disablement and medical expenses resulting from accidents. Other special cover include bonesetter / acupuncturist expenses and hospital confinement allowance.

Accident Insurance

Accident Insurance
PEACE OF MIND
For You and Your Family

Accidents can happen anytime, anywhere. That's why it pays to protect yourself against the unforeseen with a personal accident policy. For as low as HK$2.2 per day, you can protect yourself and your family against sudden financial burdens arising from accidents.

Annual Travel Insurance
Complete Protection for Frequent Travellers
Specially designed for frequent travellers, Annual Travel Insurance provides continuous protection throughout the year with great savings on premium. No matter how frequently you travel, this policy offers complete protection without the hassle of applying each time you travel.

Great Value Protection All Year Round
While the Gold Plan provides comprehensive protection for just about every possible mishap, the Silver Plan allows you to achieve great savings on your annual policy by selecting the key cover areas of accident, medical and emergency assistance benefits.

Double Accident Protection up to HK$2,000,000
Your accident cash benefit is doubled in the event of injury or death while travelling on public transport or by private car; or in an armed robbery.

Full Protection with No Excess
You do not have to pay any excess in a claim, so you bear no financial loss at all.

Protecting Your Home While You Travel
While you are enjoying your trip, your home contents will be covered against burglary loss of up to HK$ 20,000 in total.

Worldwide Emergency Assistance up to HK$ 2,000,000
Accidents may happen in places where medical service is inadequate or simply unavailable. But you can rest assured that our medical evacuation team will make every effort to evacuate you to the nearest location or back home where you can receive proper medical treatment. To ensure you get the best care, we provide value-added services including:

Your Most Reliable Travel Companion in Mainland China

If you have a holiday home in the Mainland, or simply enjoy short excursions across the border for golfing, sight-seeing and shopping, then you will probably find yourself spending time in the Mainland. Whether you are traveling for leisure or business, as a frequent traveller to the Mainland, you need China Medical Assistance Plan to safeguard your well-being when you are away from home.

Deposit Guarantee for Hospital Admission in the Mainland
If you suddenly fall ill or an accident happens during your trip in the Mainland, you may need to be admitted to a hospital for immediate medical treatment. China Medical Assistance Plan provides deposit guarantees for hospital admission in China.

Hospitalisation Expenses Coverage up to HK$100,000
The Plan takes care of your hospitalisation expenses so that you can be free from financial worries and focus on your treatment and recovery during your hospital stay in the Mainland. What's more, Plan B provides you hospital expenses upon return to Hong Kong.

Hospital Cash Benefit up to HK$9,000
Unlike many other medical plans in the market, China Medical Assistance Plan offers more than just hospitalisation expenses by providing a hospital cash benefit for prolonged hospitalisation. For hospital stay of more than 10 days, the Plan provides you a daily cash benefit of HK$300 to meet your various financial needs.

Emergency Medical Evacuation - Protection up to HK$2,000,000
If emergencies happen in places where you cannot get appropriate medical assistance, MSIG's medical evacuation team, with fully trained and equipped doctors and / or paramedical escort crew, will relocate you to obtain the medical treatment you need or arrange for your return home. All costs incurred up to HK$2,000,000 are covered.

Home Insurance

Total Protection at Home and Away
Our home is where we feel most secure. Yet it takes just small home accidents, such as a burning cigarette butt or a running water tap, to ruin all your home contents. DBS Bank Home Insurance is specially designed to protect your home against loss or damage caused by unfortunate incidents.

Comprehensive Protection for Your Home
Home Insurance gives you complete protection against loss of or damage to home contents in the unfortunate event of fire, landslip, typhoon, pipe burst, burglary, and theft. The plan also covers the costs for alternative accommodation and replacement of locks, keys and windows when home accidents occur and render it uninhabitable. With such comprehensive coverage, your needs in refurbishing your home will be well taken care of.

Worldwide Protection of Personal Belongings and Liability
Worldwide cover is provided on loss of or damage to personal effects and valuables, loss of money and documents, and unauthorised use of credit cards. You and your family members are also protected against legal liability to a third party due to negligence.

Replacing Old with New
You will be compensated for the costs required to replace a damaged item with a new one, to protect you against any price changes since your purchase. No depreciation will be deducted for wear and tear of the old items, which means you suffer no financial loss from depreciation.

24-hour Home Assistance Service
In case of emergencies at home from burst of water pipes to simply loss of a door key, you can rely on our 24-hour hotline for referrals to quality suppliers to ease your troubles.

Coverage Table

Cover Maximum Benefits (HK$) Home Contents Damage to or loss of home contents due to fire, typhoon, explosion, burglary, flooding, landslip, subsidence and pipes burst, theft and accidental damage. Furniture or home appliances (e.g. leather sofa, hi-fi) Valuable property (e.g. jewelery, watch, furs and chinaware) 500,000 / year 100,000 / item, set and collection 166,000 / year 15,000 / item Household Removal Damage to or loss of home contents in the course of removal by professional movers. 100,000 / year Temporary Removal Damage to or loss of home contents while being temporarily removed for renovation, maintenance, cleaning, etc. 50,000 / year Alternative Accommodation Cost of temporary accommodation when home is damaged and made uninhabitable by accidents. 50,000 / year Door Locks, Keys and Windows Replacement Damage to door or window by theft. 2,500 / year Personal Liability Protects you and your family members against any legal liability in the event of you or your family member's negligence causing third party injury, or property damage. 5,000,000 / event Worldwide Personal Belongings and Valuables Unauthorised use of credit cards Personal belongings (e.g. watches and clothes) Money Sports equipment Replacement of personal documents (e.g. passport and HKID card) 10,000/event 10,000/event, 5,000/item 2,500/event 2,500/year 1,000/year 24-Hour Home Assistance Service Locksmith, Plumber, Electrician, Air-Conditioner Engineer, Pests Control, Home Cleaning, General Repair Assistance, Emergency House-Call Nurse Referral Service is provided

Excess

Premium Table

Major Exclusions
Uninsurable risks such as war, terrorism, scratching, corrosion, wear and tear, mechanical or electrical breakdown, home unoccupied for more than 30 consecutive days, malicious damage or vandalism by a person residing lawfully in the home, contact or corneal lens, mobile or portable telephone, etc.

Domestic Helper Insurance

Caring for You and Your Domestic Helper
If you have a domestic helper at home, you will agree that taking care of him or her is in fact taking care of your own well-being. Buying DBS Bank Domestic Helper Insurance enables you to fulfil your legal obligation as an employer. It also offers full healthcare coverage as well as a range of extra benefits for you and your helper.

Full Healthcare Cover including Clinical and Physiotherapist Treatment Expenses
While the surgical and hospitalisation cover take care of expenses arising from serious accidents or illnesses, the out-patient and dental cover help ensure the everyday health of your helper. In case a home accident leaves your helper injured, you also get cover for bonesetter or physiotherapist treatment for your helper.

Hospital Cash Benefit up to HK$6,000
When your helper is hospitalised, you will receive a daily hospital cash benefit of HK$200 up to HK$6,000 per year to get temporary helper service. Even if the helper suffers permanent disablement or death outside the employment (during rest days), the plan provides HK$100,000 cash benefits to your helper or his / her family members.

Replacing your Helper at No Extra Costs
If the health problem of your helper becomes so serious that repatriation is needed, the repatriation costs as well as the administration costs in getting a new one are covered. And if the helper is replaced on contract completion or because of unsatisfactory service, the cover is extended free of charge, for the period from the termination of one helper to the arrival of a new one of up to 3 months. In other words, you do not pay any premium when you have no helper at home.

Coverage Table

Cover Maximum Benefits (HK$) Employees' Compensation 100,000,000 / event Helper's Personal Accident Protection 100,000 / year Helper's Medical Expenses (sickness or injury) Surgical & Hospitalisation Expenses a. Room & Board Charges b. Surgical Expenses c. Anaesthestists Fees d. Operating Theatre Charges     Clinical Expenses a. Outpatient visit b. Bonesetter or Registered Physiotherapist     Dental Expenses (covers dental diseases only)     30,000 / year 300 / day 10,000 / operation 25% of surgeon's fees 12.5% of surgeon's fees     3,000 / year 150 / visit / day 100 / visit / day, 500 / year   2/3 of actual expenses up to 1,500 / year Repatriation due to serious illness or injury Repatriation of remains Hospital Cash 20,000 / year 20,000 / year 200 / day, 6,000 / year Replacing Your Helper Administration expenses in replacing helper (due to health problems or death) Replacement cost of main door lock or gate lock (due to infidelity or repatriation of helper) Extension of cover to compensate for period without helper   3,000 / year 500 / year Max. once a year for up to 3 months Protection Against Helper Infidelity Loss due to helper infidelity Unauthorised use of IDD by helper   10,000 / year 3,000 / year

Premium Table

Important Notes
- A 14-day waiting period from the effective date of the insurance shall be applicable under Clinical Expenses, Surgical & Hospitalisation Expenses, Hospital Cash Cover and Dental Expenses for each domestic helper during which no benefits shall be payable.
- For cancellation of policy during the period of insurance, refund (if applicable) will be made subject to a minimum premium of HK$500.

Major Exclusions
War, terrorism, suicide, childbirth, pregnancy, intoxication by alcohol, narcostic or drugs not prescribed by a registered medical practitioner, HIV or HIU related illness, pre-existing condition, etc.

Remark: This insurance is underwritten by MSIG Insurance (Hong Kong) Limited.

This webpage is only intended as a general summary. For full details of cover and conditions, please refer to the policy. Copy of specimen policy is available upon request. Please feel free to contact us for details at DBS MSIG InsureDirect Hotline: 3122 6968.