Zurich General Insurance Hong Kong

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Zurich Insurance Group is a leading multi-line insurer, and one of the few to operate on a truly global basis.

Worldwide Zurich employes over 50,000 staff and is headquartered in Zurich where it was founded in 1812.

It sees its mission as being to help its customers understand and protect themselves from risk.

Zurich Insurance (Hong Kong) Being part of Zurich Insurance Group, Zurich Insurance (Hong Kong) offers a full range of flexible general insurance and life insurance products for individuals, as well as commercial and corporate customers, catering to their insurance, protection and investment needs.

Zurich's presence in Hong Kong dates back to 1961.

Today, Zurich's business in Hong Kong covers both and general and life insurance

Motor
Home
Helper
Health
Financial Lines
Business Insurance

Motor Insurance Plus

In line with the market in Hong Kong, Zurich provides the standard Third party and Comprehensive motor insurance policies, with differeing benefits as summarized in the table below;

Coverage	Third Party	Comprehensive
Own damage, fire & theft cover	✗	✓
Third party bodily injury and property damage	✓	✓
Motor personal accident	✗	HKD100,000
Medical Expenses	✗	✓
NCD protection	✗	✓
Front windscreen excess waiver	✗	✓
New for old compensation	✗	✓
Temporary substitute vehicle	Referral Service	Up to HKD4,000, the insured pays 20% of the rental expenses
24-hour emergency roadside repair service	Referral Service	Up to HKD2,000
24-hour towing service	Referral Service	Up to HKD2,000
24-hour traffic regulations & claims enquiry service	✓	✓
24-hour investigation commitment	✗	✓
24-hour investigation commitment	Advice Service	✓
Zurich HK claim report	✓	✓
Cashless windscreen repairing service	✗	✓

Customer Centric Claims Assistance

But unlike the rest of the market, Zurich goes 'the extra mile' in a couple of key areas;

1. When it comes to claims, Zurich commits to sending a surveyor to investigate the loss within 24 hours after your report with the aim of settle the claims as soon as possible.

Additionally, you can report your claim via Zurich HK mobile app instantly and shorten your processing time.

Further more if apart form damage to your vehicle, you incur any potential legal liability by way of:

of accidental damage to third party property or
accidental bodily injury to a third party,

Zurich will take the initiative to contact the third party to negotiate on compensation.

Zurich's motivation is not only to minimize the losses and liability of the insured person, but also to reduce the time gap to resolve the incident.. which even with the best of intentions, can be prolonged for a year or two if court cases are involved.

More Realistic Thid Party Limits

Whereas the market cap for Third Party cover is only HKD2m, it is a fact that there are cars on the road today worth over HKD2m and as well, it is possible to do structural damage to a building or government installation that could cost in excess of this figure.

Zurich is one of the very few insurers in the market alert to this reality and so provides the option to increase the cover to HKD5m.

Zurich Motor Documents

Zurich - Motorplus Insurance Plan - Annual China Extension Plan - Aug 2014

Zurich In - Motorplus Insurance Plan - Brochure - Aug 14

Zurich Motorplus Insurance Plan Enrollment Form

Download all as zip

Cover in Guandong, China.

Zurich also provides a series of plans tailored for participants of the Ad Hoc Quota Scheme for Cross Boundary Private Cars (Self-drive Tour Scheme).

Zurich itself guarantees to free you from the trouble of arranging cash security for the short driving trip and also covers for your own damage of your car and your legal liability if this is upheld by a Hong Kong court.

For information on Zurich and other insurers Motor Policies, call us on 2530 2530

Zurich Insurance Home Insurance plans
Product	Features
Zurich HomeCare Householder Insurance Plan	A one-stop home contents insurance solution to protect the legal liability as an owner, tenant or occupier and loss of or damage to home contents and worldwide protection of your personal possessions.
Zurich LandlordCare Insurance Plan	A home contents plan tailored to protect legal liability and home contents of the landlord.
Splendor Deluxe Property and Home Insurance Plan	A first-class comprehensive home contents plan, not only to protect the legal liability as an owner, tenant or occupier but also covers deluxe household contents including jewelry and collections.

Zurich Insurance Medical Insurance plans
Product	Features
Zurich i-Gen Surgical Cash Insurance Plan	Guaranteed acceptance to all eligible persons who are aged between 15 days - 35 years old. No medical examination is required
	Level premium scale with lower premiums locked in at an earlier age
	Premium is as low as HKD93 a month
	Both minor and non-minor surgeries are covered under the plan
	Surgical cash benefit is payable to surgeries associated with pre-existing conditions or congenital abnormalities

Zurich i-Gen Baby Surgical Cash Insurance Plan	Guaranteed acceptance for eligible expectant mother. No medical examination is required
	Surgical cash benefit for specified postpartum conditions requiring intensive care unit treatment and miscarriage for the expectant mother
	Cover congenital abnormalities for the child (waiting period limitation)
	Provide rotavirus vaccination benefit valued at HKD2,150

Zurich HealthMultiple Medical Insurance Plan	Cover the charges incurred for both day patient, outpatient surgeries, pre-admission and post-hospitalization outpatient visits
	No minimum length of hospital stay requirement
	No room class restriction
	No lifetime maximum benefit limit

Medicash Insurance Plan	Offer you immediate cash in the event of hospitalization
	Zurich HealthTotal Critical Illness Insurance Plan
	Cover 68 illnesses including both early-stage and juvenile illnesses
	A maximum of five illness claims
	Premium is as low as HKD30 a month
	Special offer to your children

HealthNoble Medical Insurance Plan	Sum insured is up to USD3,000,000 per year
	Lifetime renewable and without lifetime benefit limit
	Full cover of hospital expenses (excluding the treatment costs for organ transplant, HIV and AIDS) within the annual policy limit
	Cashless arrangement service for hospitalization at private hospitals in Hong Kong

Zurich Insurance Business Insurance plans
Product	Features
Zurich TailorCare Group Medical Insurance Plan	Show your employees how highly you value them with a specially structured group medical plan. Embracing a wide range of cost-effective medical benefits, the end result is a smart move for your business
Group Personal Accident Insurance Plan	It provides a comprehensive coverage for your staffs which includes accidental death, permanent disablement, accidental medical expenses, annual income benefit and daily hospital income, helping you to protect the valuable asset of your company.
Business Travel Insurance Plan	A comprehensive coverage to protect your employees during travel, which includes baggage cover, missed event cover, leisure travel immediately before or after the business trip, emergency assistance service, travel delay and re-routing benefit as well as an optional cover for MediExpress China medical card, etc. is applicable for your selection.
Group Critical Illness Insurance Plan	Comprehensive critical illness coverage for employees providing them with a peace of mind.
Employee Voluntary Critical Illness Insurance Plan	Optional cover of critical illness coverage for employees providing them with extra peace of mind.
Office Comprehensive Insurance Plan	A one-stop solution for SMEs to protect your office contents against all risks, such as fire, theft, burglary, water damage, etc. and also against employer(s) and employees' personal accident, increasing in cost of working, legal liability, loss of income and employees' compensation.
Shop Comprehensive Insurance Plan	An all-in-one insurance plan for entrepreneur to protect your office contents against all risks, such as fire, theft, burglary, water damage, etc. and also covers against employer(s) and employees' personal accident, increasing in cost of working, legal liability, loss of income and employees' compensation.
Professional Liability Solutions	A series of our professional liability solutions, including professional indemnity solutions, directors and officers liability solutions, commercial crime solutions and medical malpractice solutions, providing comprehensive coverage against the potential risk your business confronts.
Fine Art and Specie Insurance Series	Our fine art and specie insurance specializes in offering tailored risk management solutions for commercial, corporate and public collections of fine art and antiques, jewellery, collectibles, species and other valuable property that meet the customers' business requirements for protecting their interests in valuables.
Other insurance plans	All-round protection with employees' compensation insurance, engineering insurance and marine cargo insurance.