Zurich General Insurance Hong Kong
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 general and life insurance
Motor Insurance Plus
In line with the market in Hong Kong, Zurich provides the standard Third party and Comprehensive motor insurance policies, with differing benefits as summarized in the table below;
|Own damage, fire & theft cover||✗||✓|
|Third party bodily injury and property damage||✓||✓|
|Motor personal accident||✗||HKD100,000|
|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 from damage to your vehicle, you incur any potential legal liability by way 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 Third 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.
Additional Protection Options:
Enjoy the highest insurance coverage to enhance your protection on the go up to
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.
Garage-Pro Services Network
In order to save you the trouble of finding a reliable garage, please click the download below for a list of local providers.
Zurich Motor Documents
For information on Zurich and other insurers Motor Policies, call us on 2530 2530.
Zurich Landlord Insurance is a home contents plan tailored to protect the legal liability and home contents of the landlord.
Zurich Landlord Insurance Documents
Zurich's Splendor Deluxe home contents plan is a first-class comprehensive home contents plan, designed not only to protect the legal liability of yourself as owner, tenant or occupier but also to covers valuable household contents, including jewellery and collections, such as wine or watches.
Zurich Splendor Deluxe Executive Home Documents
Zurich's HomeChoice Householder plan offers cover for :
- Home contents
- Personal possessions (worldwide)
- Fine art & Wine
- Legal Liabilities
Zurich HomeChoice Documents
In keeping with the market, the Zurich domestic helper policy covers you for your liabilities at law and provides some very elemental accidental and medical benefits.
The Zurich Helper plus plan has the following features:
|Employer's liability under the Employees' Compensation Ordinance to your domestic helper|
|Medical and dental expenses.|
|Clinical medical benefit includes Chinese medicine bone-setting expenses|
|repatriation costs, administrative expenses of replacement domestic helper and service interruption|
|Extra protection for you against financial loss due to fraud or dishonesty of your domestic helper and the medical expenses for bodily injury to your family member under 5 years of age caused by the intentional malicious act of your domestic helper|
|Particularly for those who legally employ local part-time domestic helper, you can opt for the Employees' Compensation Insurance Plan to cover employer's liability only|
|Note: Cover is valid for domestic helpers aged 18 to 60 years|
If you consider your helper part of the family and are concerned for her/his welfare then be advised the medical cover contained in the Zurich Domestic helper plan is adequate only for the most routine ailments. Inevitably, should you prefer better cover, the cost will be higher.
Call us in 25302530 to review options:
|Zurich Insurance Medical Insurance plans|
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|
Minimizing financial risks
Zurich delivers a comprehensive range of insurance solutions to cover:
- Commercial professional indemnity insurance and financial institutions professional indemnity insurance
Complicated issues can result in professionals incurring high legal costs when protecting their businesses and reputations. This insurance protects businesses and employees when they are sued for an act, error or omission relating to providing professional services.
Zurich provides the following commercial professional indemnity solutions:
(1) Architects and engineers professional indemnity insurance
(2) Accountants professional indemnity insurance
(3) Lawyers professional indemnity insurance
(4) Information technology/Telecommunication/Media professional indemnity insurance
(5) Miscellaneous professional indemnity insurance
(6) Manufacturing error and omission insurance
- Directors and Officers’ Liability
Tailored for commercial and financial institutions, this solution covers the wrongful acts of directors and officers.
These include errors, breach of duty and failing to comply with business or listing regulations.
- Commercial crime and banker’s blanket bond
This solution protects a diverse range of companies and industries from crime-related losses, arising from the misconduct of employees and non-employees.
Such misconduct may include employee forgery, theft and embezzlement.
Zurich's liability cover is also available on a single project basis with one multi-year policy.
Security and privacy protection insurance is also available from Zurich which provides first- and third-party coverage for many types of loss associated with security and privacy risks.. such as Cyber.
|Zurich Insurance Business Insurance plans|
|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.|
In the offline to online (O2O) era, internet provides more business opportunities to most small and medium enterprises (“SMEs”).
At the same time, just a click to a spam, an unwitting online post or the loss of laptop may lead to financial loss, extra expenses and even legal responsibilities. While no security system is infallible, Zurich CyberCare Liability and Privacy Insurance (“CyberCare”) safeguards your business and provides you with peace of mind by transferring part of the risk.
Multiple legal liability coverage covering security and privacy liability and internet media liability of up to HKD 4,000,000
Contingency coverage covering privacy breach and digital asset replacement costs to protect and reduce loss followed by an insured event
Cashless settlement for data recovery by local expert
Flexibility to extend your protection to cover cyber extortion threat and reward payment
Hassle-free and simplified application process with just a few “Yes/No” questions
Table of Benefits
Zurich CyberCare Documents