Exclusions to Section A - Contents

This Section does not cover any loss of or damage to contents:

1. caused by seepage or leakage of rainwater;
2. while a part of the home is lent, sub-let or leased;
3. caused after the home is left unfurnished or unoccupied for more than 60 consecutive days;
4. due to malicious damage or vandalism caused by someone lawfully on the premises;
5. caused by pets or animals;
6. caused by or contributed to by wear, tear or gradual deterioration, scratching or denting;
7. caused by insects, vermin, corrosion, rot, mildew, fungus;
8. caused by atmospheric conditions, the action of light, any process of heating, drying, cleaning, dyeing, alteration or repair, misuse, faulty workmanship or design, the use of faulty materials, breakdown, or confiscation or detention by customs or other government officials;
9. caused by its own mechanical or electrical breakdown or derangement;
10. due to any unexplained loss or mysterious disappearance.

Exclusions to Section B - All Risks

This Section does not cover:

1. loss or damage caused by or contributed to by wear and tear or gradual deterioration, depreciation in value, insects, vermin, corrosion, rot, mildew, fungus, atmospheric conditions, the action of light, any process of heating, drying, cleaning, dyeing, alteration or repair, scratching, denting, breakdown, misuse, faulty workmanship or design, the use of faulty materials, confiscation or detention by customs or other officials.
2. breakage of strings, reeds or drum heads on musical instruments.
3. musical instruments, sports equipment and photographic equipment owned or held in trust by or in the custody or control of any person who uses such property for professional purposes.
4. deeds, bonds, bills of exchange, securities, documents, manuscripts, business, professional or trade goods or equipment.
5. property more specifically insured or any amount that you cannot recover from a more specific insurance because the insurer refuses or reduces the claim.
6. portable / mobile phones, PDA phones or pagers.
7. furs, credit cards, money of any kind, spectacles, contact lenses, dentures, prostheses, hearing aids, guns, or camping equipment or tools.
8. clothing and equipment used for sporting purposes while in use.
9. any unexplained loss or mysterious disappearance.
10. the cost of replacing any undamaged item of suites, sets or collections.
11. the first HK$250 for each and every loss or damage (applicable to Plan A only).

Exclusions to Section C - Legal Liability

This Section does not cover any liability arising directly or indirectly from:

1. any contractual liability;
2. an agreement which imposes a liability which you or a member of your household would not otherwise have been under;
3. any business, profession or trade;
4. racing (other than on foot);
5. wilful or malicious acts;
6. the ownership or use of aircraft (except toys and models);
7. the ownership or use of mechanically propelled vehicles (except the use of a vehicle solely as a passenger having no right of control);
8. the ownership or use of watercraft (except toys and models), sailboards or hovercrafts;
9. the ownership or use of weapons (except shotguns or airguns used for sporting activities);
10. the ownership of animals (except your pets which are normally domesticated in home);
11. bodily injury to a member of your household or to any person under a contract of service or apprenticeship with you or a member of your family;
12. damage to property owned or held in trust by or in the custody of you or member of your household;
13. any judgment which is not delivered by or obtained from a court of competent jurisdiction in Hong Kong;
14. any asbestos, asbestos products or asbestos contained in any products;
    1. the transmission of any computer code, programme or other data;
    2. the unauthorized taking of or access to data.

Exclusions to Section D - Family Personal Accident

This Plan will not cover bodily injury arising directly or indirectly from:

1. accident occurred in the course of employment;
2. motor-cycling, racing (except on foot), hunting or playing any professional sport, skiing, parachuting, participating in underwater activities, flying activities, judo, karate, mountaineering, pot holing, polo, ice- hockey, or other dangerous sports;
3. being insane or under the influence of alcohol or drugs, committing suicide or any act of intentional self-injury, self-exposure to unnecessary danger, pregnancy, taking part in riot, civil, labour or political disturbance;
4. insured being over the age of 65;
5. prolonged or complicated by any pre-existing physical weakness defect or disease or by any bodily injury sustained prior to that in respect of a claim is made.
6. This Plan will not cover death or disablement occurs after twelve months of the date of the accident.

Exclusions to Section E - Medical Benefits

This Plan will not pay under Medical Benefits for any sums recovered or recoverable from all other sources.

Exclusions to Section G - Employees' Compensation for Domestic Helper

This Section does not cover any liability arising directly or indirectly from:

1. any judgment which is not delivered by or obtained from a court of competent jurisdiction within Hong Kong.
2. an agreement which imposes a liability which you would not otherwise have been under.
3. any asbestos, asbestos products or asbestos contained in any products.
4. Pneumoconiosis or Mesothelioma or Noise-Induced Deafness ("Pneumoconiosis" or "Mesothelioma" have the same meaning as sissigned to those expressions in the Pneumoconiosis or Mesothelioma (Compensation) Ordinance (Chapter 360 of the Laws of Hong Kong). "Noise-Induced Deafness" has the same meaning as assigned to that expression in the Occupational Deafness (Compensation) Ordinance (Chapter 469 of the Laws of Hong Kong)).

This Plan will not pay for:

1. any sum which could have recovered from any party had it not been for an agreement made between you and such party;
2. any fines or late payment surcharges imposed on you under any legislation.

This Plan does not cover:

1. any event arising from war, invasion, act of foreign enemy, hostilities (whether war is instructions or data including, but not limited to, any destructive program, computer declared or not), civil war, rebellion, revolution, insurrection, military force or coup;
2. loss or damage arising directly from pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds;
3. any expenses, consequential loss, legal liability or loss of or damage to any property directly or indirectly arising from:
   •  ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
   •  the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component.
4. any cost or expense arising from any loss, destruction or damage caused by pollution or contamination other than destruction of or damage to the property insured caused by pollution or contamination resulting from an event under item A.1 of Section A;
5. any fines, penalty, punitive or exemplary expense.
6. any liability or loss of or damage to any property directly or indirectly arising from existing or new unauthorized structures and/or unauthorized building erection demolition repair installation and renovation works within the premises. For the purpose of this exception, the meaning of unauthorized structures and/or unauthorized building works will be construed in accordance with the Building Ordinance, Chapter 123, Laws of Hong Kong.
7. Terrorism (applicable to all sections except Section G) This Plan shall not be liable for loss, damage, death, injury, disablement, liabilities, costs or expenses of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with:
   •  any act of terrorism regardless of any other cause or event contributing concurrently or in any other sequence to the loss;
   •  any action in controlling, preventing, suppressing, retaliating against or responding to any such act of terrorism.

   For the purpose of this exception, an act of terrorism includes any act, preparation or threat of action of any person or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or government(s) de jure or de facto committed for political, religious, ideological, or similar purposes including the intention to influence any government de jure or de facto of any nation or any political division thereof and/or to intimidate the public or any section of the public of any nation and which

   •  involves violence against one or more persons; or
   •  involves damage to property; or
   •  endangers life other than that of the person committing the action; or
   •  creates a risk to the health or safety of the public or a section of the public; or
   •  is designed to interfere with or disrupt an electronic system

   In any action, suit or other proceedings where this Plan allege that by reason of the provisions of this condition any loss or damage is not covered by this Plan the burden of proving that such loss or damage is covered shall be upon you.

8. Software and Data-Related Losses (applicable to all sections except Legal Liability)
   1. The insurance by this Plan excludes any Software Loss except:
      1. Software Loss resulting solely from direct physical loss of or direct physical damage to the equipment, hardware, media or device on which the programme, computer software or operating systems, programming instructions, or data are transported, processed or contained.
      2. Direct physical loss of or direct physical damage to tangible property by Fire or Explosion that results from a Software Loss. For the purposes of this endorsement, electronic data, programme(s), computer software or operating system(s), programming instruction(s) and data are not tangible property.
   2. Software Loss means loss of or damage to any programme(s), computer software or operating system(s), programming instruction(s) or data arising out of or resulting from any failure, malfunction, deficiency, deletion, fault, Virus, deletion or corruption or any loss of use, reduction in functionality, cost, expense or liability resulting therefrom. Software Loss includes, but is not limited to, loss or damage resulting from any authorized or unauthorized access in, of or to any computer, communication system, file server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, any program, computer software or operating systems, programming instructions or data.
   3. Virus means software, data or code that affects the operation or functionality of any computer, communication system, file server, networking equipment, computer system, computer hardware, data processing equipment, computer memory, microchip, microprocessor (computer chip), integrated circuit or similar device in computer equipment, program, computer software or operating systems, programming instructions or data including, but not limited to, any destructive program, computer code, computer virus, worm, logic bomb, denial of service attack, smurf attach, vandalism, Trojan Horse or any other data introduced into any electronic system causing deletion, destruction, degradation, corruption, malfunction or compromise of or to data, software or electronic business systems.
9. Subject to all applicable terms, conditions and exclusions, covers losses attributable to direct physical loss or physical damage occurring during the period of insurance. Consequently and notwithstanding any other provision of this Plan to the contrary, this Plan does not insure any loss, damage, claim, cost, expense or other sum, directly or indirectly arising out of, attributable to, or occurring concurrently or in any sequence with a Communicable Disease or the fear or threat (whether actual or perceived) of a Communicable Disease.
   For the purposes of this endorsement, loss, damage, claim, cost, expense or other sum, includes, but is not limited to, any cost to clean-up, detoxify, remove, monitor or test: for a Communicable Disease, or any property insured hereunder that is affected by such Communicable Disease.
   As used herein, a Communicable Disease means any disease which can be transmitted by means of any substance or agent from any organism to another organism where
   •  the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism or any variation thereof, whether deemed living or not, and
   •  the method of transmission, whether direct or indirect, includes but is not limited to, airborne transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or gas or between organisms, and
   •  the disease, substance or agent can cause or threaten damage to human health or human welfare or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use of property insured hereunder.
   This endorsement applies to all coverage extensions, additional coverages, exceptions to any exclusion and other coverage grant(s). All other terms, conditions and exclusions of the policy remain the same.

1. The above information is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions of Ideal Home Plan, please refer to the policy document itself which shall prevail in case of inconsistency. Zurich Insurance Company Ltd reserves the right of final approval and decision.
2. The above information is provided by Zurich Insurance Company Ltd.
3. You are not required to purchase Ideal Home Plan and you may choose to cover your insurance needs from other sources.
4. Zurich Insurance Company Ltd is the insurance underwriter of Ideal Home Plan and is solely responsible for all approvals, coverage, compensations and any other related matters of these plans.
5. Zurich Insurance Company Ltd is a company incorporated in Switzerland with limited liability and its principal place of business in Hong Kong is at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong.
6. Zurich Insurance Company Ltd is not a subsidiary or an affiliate of Citibank (Hong Kong) Limited or Citibank, N.A. or Citigroup Inc.
7. All matters and disputes related to this promotion will be subjected to the final decision of Zurich Insurance Company Ltd which reserves the right to amend relevant terms and conditions without prior notice.
8. Zurich Insurance Company Ltd is the authorized insurer in Hong Kong and the page is not intended to solicit business outside Hong Kong.
9. The life/ general insurance product mentioned above is not offered to individual resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man and United Kingdom. This page is not intended as a recommendation or an offer or solicitation for the purchase or sale of any of the insurance products to such individuals.

1. Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for Zurich Insurance Company LTD (the "Insurance Company").
2. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products.
3. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited,
   Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency.
4. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between you and Citibank (Hong Kong) Limited out of the selling process of any insurance product conducted by Citibank (Hong Kong) Limited as agent for Insurance Company or the processing of the related transaction, you may enter into a financial dispute resolution scheme process with Citibank (Hong Kong) Limited in accordance with the applicable rules in Hong Kong. However any dispute over the contractual terms of insurance products should be resolved directly between you and the Insurance Company.
5. All insurance applications are subject to Insurance Company's underwriting and acceptance.
6. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
7. Citibank (Hong Kong) Limited will not render you any legal, accounting or tax advice. You are advised to check with your own professional advisor for advice relevant to your circumstances.
8. You are reminded to carefully review the relevant product materials provided to you and seek independent advice if necessary.
9. For any policy service enquiries, please contact the relevant licensed bank staff or the Insurance Company.
10. In case of any discrepancy between the English and Chinese versions of this document, the English version shall prevail.

From January 1, 2018, the Insurance Authority (IA) will start collecting a premium levy from policy holders of all new or in-force life insurance policies and general insurance policies. For further information, please visit www.ia.org.hk.