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Section1
V-HOME Home Insurance Product Benefits
Main Benefit
- Protection for the building with a Sum Insured (SI) of up to VND 15 billion. For SI exceeding VND 15 billion, OPES will consider exceptional underwriting approval
- Protection for household contents: Customers may select one of the following SI limits VND 100 million / 200 million / 300 million / 500 million
- Applicable Deductible:
+ Building item: VND 5 million / occurrence
+ Household contents item: VND 2 million / occurrence
- Protection for household contents: Customers may select one of the following SI limits VND 100 million / 200 million / 300 million / 500 million
- Applicable Deductible:
+ Building item: VND 5 million / occurrence
+ Household contents item: VND 2 million / occurrence
Optional Additional Benefits
- Alternative Accommodation or Loss of Rent clause (imited to VND 5 million per month, for a maximum of three months during the policy period)
- Firefighting Expenses clause (Limit: 10% of SI
- Debris Removal clause (Limit: 10% of SI)
- Firefighting Expenses clause (Limit: 10% of SI
- Debris Removal clause (Limit: 10% of SI)
Scope of Coverage
- Main Perils: Fire, Explosion
- Special Perils (Allied Perils): Explosion, Typhoon/Windstorm, Flood, Bursting or overflowing of water tanks/pipes, Impact damage
- Special Perils (Allied Perils): Explosion, Typhoon/Windstorm, Flood, Bursting or overflowing of water tanks/pipes, Impact damage
Eligibility
Policyholder
Organizations / individuals possessing property, civil liability, obligations, or economic interests insured in relation to the home
Insured Property
- Private houses / Townhouses / Villas;
- Apartments with an automatic sprinkler system;
- Apartments without an automatic sprinkler system
- Apartments with an automatic sprinkler system;
- Apartments without an automatic sprinkler system
The Insured
- The owner of the residential property; or
- The tenant of the residential property who assumes responsibility under the lease agreement; or
- The person responsible for managing, maintaining, or occupying the residential property; or
- Any person or entity having a financial interest, financial obligation or liability, or who may suffer economic loss in relation to the residential property
- The tenant of the residential property who assumes responsibility under the lease agreement; or
- The person responsible for managing, maintaining, or occupying the residential property; or
- Any person or entity having a financial interest, financial obligation or liability, or who may suffer economic loss in relation to the residential property
Policy Term
- The Period of Insurance is specified in the Certificate of Insurance / Insurance Policy
- The minimum term is 01 year and the maximum term is 05 years
- The minimum term is 01 year and the maximum term is 05 years
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Section2
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Section3
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Section4
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Section5
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Section6
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Section 7
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Section 8
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