Your sweet home means a lot to you. Whether you are an owner-occupier, a landlord or a tenant, your home is probably one of your biggest investments. Macau Insurance Company (MIC) is pleased to present you the best solution – Sweet Home Household Protection Plan.
Comprehensive Protection
Fire, Lightning and Explosions
Typhoon
Flood or Water Damage
Landslides
Burglary or Robbery
Malicious Acts or Sabotage Claims on the above coverage can be as high as the sum insured
Personal Accident (covering the insured and family members) Coverage as high as MOP200,000
Third Party Liability (covering the insured, family members, servants and even pets) Coverage as high as MOP1,000,000
Accidental Breakage of Fixed Glass Coverage as high as MOP12,500
Cash Lost Coverage as high as MOP1,000
Demolition and Removal of Debris Coverage as high as MOP75,000
Temporary Loss of Shelter Coverage as high as MOP5,000
Loss of Rent Coverage as high as 10% of the sum insured for a period up to 12 months
And more….
Flexible Choices of Sum Insured
I. Household Contents
Premium Table (MOP)
Gross Floor Area(Sq. Ft.)
Recommended Sum Insured
Annual Premium
Year 1
Year 2
Year 3 and after
(NCB = 10%)
(NCB = 20%)
Below 500
300,000
690
621
552
501 – 700
500,000
1,030
927
824
701 – 1,000
700,000
1,440
1,296
1,152
1,001 – 1,300
1,000,000
2,060
1,854
1,648
1,301 – 1,600
1,300,000
2,670
2,403
2,136
1,601 – 2,000
1,500,000
3,090
2,781
2,472
2,001 – 2,500
1,800,000
3,700
3,330
2,960
Over 2,500
Over 1,800,000
To be quoted by MIC Technical Risk Department
Notes:
The Policyholder is at all times responsible for deciding an appropriate sum insured for the property concerned.
The sum insured for Special Objects (valuable items that can be easily taken out) is limited to 30% of sum insured for Household Contents and MOP20,000 for each Special Object.
If the gross floor area is above 2,500 sq. ft. and/ or the sum insured is over MOP1,800,000, the annual premium will be quoted by MIC - Technical Risk Department.
II. Buildings Coverage
Can be insured on stand-alone basis, minimum sum insured is MOP 200,000. The annual premium will be quoted by MIC - Technical Risk Department.
No Claim Bonus (NCB)
If no claim is reported, Policyholder will receive a NCB of 10% after the first year. This NCB will be increased to 20% after the second year as long as no claim has been recorded.
Treasure your sweet home, subscribe to Sweet Home Household Protection WITH NO DELAY!
Remarks: The above information is only for reference. For a complete description of terms and conditions, please refer to the policy.
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