Excess

Section 1 - Home Contents

In respect of each and every claim For Homes aged less than or equal to 40 years For Homes aged between 41 and 45 years
(HK$) (HK$)
Loss or damage caused by water damage $500 or 5% of the adjusted loss amount, whichever is the greater $5,000 or 10% of the adjusted loss amount, whichever is the greater
Loss or damage caused by landslip or subsidence $500 or 5% of the adjusted loss amount, whichever is the greater $5,000 or 10% of the adjusted loss amount, whichever is the greater
Loss or damage caused by other occurrence except fire, lightning or explosion $500 $5,000

Section 2 - Worldwide Personal and Occupier's Liability

In respect of each and every claim For Homes aged less than or equal to 40 years For Homes aged between 41 and 45 years
(HK$) (HK$)
Loss of or damage to third party property caused by water damage $500 or 5% of the adjusted loss amount, whichever is the greater $5,000 or 10% of the adjusted loss amount, whichever is the greater
Other third party property damage $500 $5,000
Third party bodily injury $500 $5,000