Allied World offers a comprehensive suite of personal line products supported by superior underwriting and claims services. We take a fresh approach and recognize that no two companies, partnerships or risk events are the same. We work with our partners to tailor solutions to best meet the individual needs of our customers.
Hong Kong – Personal Lines
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Domestic Helper
MaidGuard
MaidGuard is a unique insurance plan which provides full protection and benefits to you and your domestic helper. Whilst covering your legal liabilities as an employer, our comprehensive plan protects you from any unexpected expenses that may incur. Together with our hassle-free network out-patient benefits, you can totally relax at home and enjoy the peace of mind. Enrol NOW for exclusive discount coupons.
Distinctive features
- In-patient cover up to HK$80,000
- Up to 25 FREE general physician consultations at designated panel doctors
- Free of claim procedures for out-patient visits
- FREE personal accident cover of HK$150,000
- Two-year plan with EXTRA premium discount
- Free 24-hour assistance hotline service
- Specially designed medical expenses benefit to cover bodily injury of your family members
- Privilege rate for health check-up and flu vaccination (Plan III only)
Care-free access to out-patient treatment
Our out-patient network benefits bring you one of the most ideal solutions for general medical consultation, with access to specialist treatment and physiotherapy. On presentation of our medical card, the insured domestic helper will receive medical services from nearly 500 panel doctors* throughout Hong Kong, without the need to seek reimbursement or submit a claim form. It’s simple and convenient just click here – Search Out-Patient Network
Three levels of coverage to suit your needs
We offer three different levels of coverage for you to choose from. If you select our two-year plan, you can enjoy EXTRA premium discount for a one-time payment for a two-year contract, as well as saving you the trouble of renewing the insurance plan every year.
All-round protection for extra peace of mind
Our plan protects not only your domestic helper, but also you and your family. Our Fidelity protection covers your loss due to the dishonest act of your domestic helper. Medical expenses cover the bodily injury expenses of your children caused by the domestic helper’s intentional act.
Many additional benefits
You can enjoy the following extra privileges once enrolled in Plan III:
- Privilege rate at HK$850 for health check-up
- Privilege rate at HK$250 for flu vaccination
These programmes are provided by designated service providers and subject to change without prior notice.
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Family Personal Accident
FamilyGuard
Accidents are a part of life. You never know when an accident happens whether you and your family members are at home, school, work or travelling. With FamilyGuard, you are protected from the financial consequences of accidents in the event of death, injuries and disablement. It is tailored to provide comprehensive cover, ensuring the financial security and peace of mind for not only you, but also your family.
Distinctive features
- Accidental death and permanent disablement up to HK$2,000,000
- Hospital cash up to HK$600 per day
- Accidental medical expenses include Chinese bone-setting and acupuncture treatment
- Special cover for coma, disfigurement and scarring of the face and education fund
- Protection includes terrorism and war whilst overseas travelling interest-free monthly payment with premium as low as HK$64 per month
Flexible and comprehensive family cover
FamilyGuard is an annual insurance that gives you the flexibility to include the cover for your spouse and your dependant children in one policy.
Double indemnity for accidental loss
A double benefit amount up to the total of HK$2,000,000 will be given out in the event of death or permanent disablement due to an accident in a public common carrier or an armed robbery.
Simple flat rates for all occupations
Unlike other accident insurance plans, FamilyGuard charges at rates for all occupations accepted by us. It gives you the convenience in budgeting the premium required for your selected benefit level, yet enjoying the same extensive cover.
Cooling-off period
Our care for customer rights protection allows you to enjoy a cooling-o period of 15 days for free. If you have changed your decision of purchasing this insurance plan, you could choose to terminate your policy within the period and obtain a full refund provided that no claim is incurred.
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Home Buildings
HouseGuard
HouseGuard is a comprehensive and flexible insurance plan that covers the structure of your home, garages, outbuildings, walls and fences against loss or damage caused by fire, explosion, and other additional perils which you may select to cover.
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Home Occupier/Landlord (rental)
With HomeGuard Occupier Cover – our comprehensive home insurance plan, your sweet home will be well protected, especially those with valuable items that are important to you and your family.
No matter whether you are a tenant or an owner, your home protection is always there
- Household contents sum insured of up to HK$1,000,000
- Owner, tenant, occupier and personal liability of up to HK$10,000,000
- Tailor-made cover while you are moving home or while your home is under renovation
- Optional building all risks insurance for self-owned mortgaged property
- 24-hour emergency hotline services for free referral assistance
- Wide range of additional and optional cover is available
Exclusive renewal discount for you
- Privileged no claim discount at 5% each year up to maximum 20%
HomeGuard – Landlord (rental property) cover
As an individual or company landlord, you may rent out your property to increase financial income. Any accidents like fire, burst of water pipe, theft or flood may cause financial loss and potential legal liability to you. With HomeGuard – Landlord (rental property) cover, you will be well protected and enjoy peace of mind.
All-in-One protection for you as landlord
- Owner and personal liability of up to HK$10,000,000
- Household contents (including interior decoration) in your property with sum insured of up to HK$1,000,000
- Reduce rental loss while your property is uninhabitable after accident
- Tailor-made cover while you are moving out or while your property is under renovation
- Replacement cost of windows, external door and front metal gate locks damaged due to burglary or attempted theft
- Optional building all risk insurance for self-owned mortgaged property
- 24-hour emergency hotline services for free referral assistance to you or your tenant
- Wide range of additional and optional cover is available
Exclusive renewal discount for you
- Privileged no claim discount at 5% each year up to a maximum of 20%
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Personal Accident
BodyGuard
BodyGuard is a comprehensive insurance plan providing maximum protection to you and your family. Apart from attractive benefits such as hospitalisation allowance and bonesetters’ fees, enhanced features of major burns and double indemnity in medical expenses reflect the uniqueness of this product. With the choice of annual and monthly premium plans, you can enjoy both financial flexibility and carefree living.
Distinctive features
- Terrorism and war whilst overseas travelling cover
- High limit of medical expenses up to HK$250,000
- Extended coverages for food poisoning, drowning and gassing
- Free benefits as double indemnity and third degree burns
- No claim bonus at 10% in compound per year, for a maximum of 5 years (not applicable in the event of terror attack)
- FREE cover for spouse as accidental death and permanent disablement HK$100,000 (for sum insured at HK$1,000,000 or above)
- Simple application procedure (for HK$5,000,000 sum insured or below)
Double indemnity relieves sudden crisis
If permanent injuries or death incurred as a result of any accident in any public common carriers or shark attack, the compensation will be up to 200% of the sum insured on accidental death and permanent disablement or medical expenses. If a fatal accident happened to you while your spouse has passed away, leaving your dependent children all aged at 18 or below, accidental death benefits will then be payable in double.
Extra benefit with major burns
To provide you with a comprehensive protection in case of any mishap, our permanent disablement benefit is tailored with extra benefits covering major burns of third degree.
Loyalty bonus for desirable life
If you did not make any claim in the preceding year, the benefit limit of your accidental death and permanent disablement will be automatically increased by 10% in compound for a maximum of 5 years, meaning your chosen sum insured increases by more than 160% absolutely FREE. We believe this can keep pace with your progressing living standard, and serves as our distinctive benefits for loyal customers.
Extensive cover makes a difference
To provide you and your family the best care, our personal accident insurance extends to cover features such as terrorism, war whilst overseas travelling and food poisoning. We also provide free cover for spouse, medical expense limit up to HK$250,000.
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Private Car
MotorGuard
Allied World’s private motor insurance is an all-in-one private car insurance package providing round-the-clock protection, including a suite of free extra benefits, to give you true peace of mind.
Private Motor Insurance
Comprehensive cover
Protects you against not only Third Party risks, but also loss of or damage to your car due to collision, fire, theft or other accidents.
Third party cover
Protects you against legal liability for causing Third Party’s death or bodily injury up to HK$100 million, and property damage up to HK$2 million.
Free extra benefits
No claim discount (NCD) protection
No matter how many claims you make, if the total amount claimed within one policy year does not exceed HK$80,000 or 20% of the estimated car value (whichever is less), your NCD will be maintained if you renew with us. You can enjoy immense savings over the years.
No limit on windscreen, window glass and roof glass claim frequency (nil excess)
Repair or replacement of windscreen, window glass and roof glass is covered up to HK$5,000 per accident, with no limit on claim frequency. Not only is there no excess, your NCD will also not be affected.
Special cover for brand new car
- New for old – You will be compensated with a new car of the same grade if your car is less than one year old and sustains a total loss or is damaged beyond economical repair.
- Waiver of depreciation on repairs – You will not be charged for any depreciation on spare parts which need replacement if your car is less than one year old.
Free choice of repairers
You are free to select any garage for repairs – even dealer workshops!
Free personal accident cover for named drivers
We provide HK$100,000 cover for bodily injury sustained by any of the named drivers due to an accident which results in death or permanent total disablement.
Medical expenses
We will pay up to HK$2,000 per accident towards medical expenses incurred by the named driver and passenger(s) resulting from an accident.
Replacement car service*
If your car is stolen and not found within 48 hours, or requires repairs after an accident for more than 48 hours, our assistance service shall arrange and pay for a replacement car. You will be paid car rental costs of up to HK$5,000 per accident (subject to a daily limit of HK$1,000).
Claims recovery service
In the event of an accident caused by the Third Party’s fault, we offer claim recovery services to pursue recovery for your excess losses.
24-hour assistance services**
We offer emergency towing, roadside repair, traffic regulation enquiry and claims enquiry services.
Premium
Premium depends on the type of motor car, your age and your driving experience, etc. For a competitive quotation, please contact your agent, broker or our office.
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Study Companion
Study Companion helps you to achieve more and worry less while studying abroad.
Distinctive features
Home away from home
- Takes care of your medical expenses so you can focus on your studies, whether it’s flu, pregnancy complications, a serious accident or even mental disorder
- Flies two of your loved ones in to comfort you if you’re hospitalized away from home for more than 3 days
Staying focused in school
- Reimbursement of tuition fees lost as a result of a serious illness or injury
- Helps you stay in school, even if your loved one can no longer cover your tuition*
World adventures
- Compensates you if your belongings get lost or stolen while you’re travelling outside the city of study, or if your transport is delayed
- No exclusion on school-assigned field work as well as part-time jobs where locally permitted
Financial protection for the unexpected
- Personal accident cover if a serious accident occurs
- Personal liability protection if you accidentally hurt someone or accidentally damage their property
- If the policyholder can no longer support the student due to death, permanent total disablement or bankruptcy. Please see the Table of Benefits for full range of coverage.
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Travel
JourneyGuard
JourneyGuard is a comprehensive travel insurance plan that you can count on whilst you are far away from home, be it on holiday or on business. Apart from extensive travel coverage, JourneyGuard protects you from terrorism and war when you are travelling, as well as amateur sports and activities, regardless if it is self-paid or part of a package.
- Terrorism and war cover whilst travelling overseas
- Double indemnity when travelling in a public conveyance
- Cover for popular amateur sports and activities
- New covers include:
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- – Loss of frequent flyer points due to trip cancellation
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- – Fraudulent use of credit card
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- – Emergency purchase of phone charger due to travel delay
- – Cancellation due to insolvency of travel agent
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- No excess applies
- 24-hour Worldwide Assistance Service
- Automatic extension up to 10 extra days