Personal lines insurance is important because it helps individuals protect themselves and their belongings from unexpected events such as accidents, natural disasters, theft, and lawsuits. It provides peace of mind knowing that you have financial protection in place to help you recover from these types of situations.
Please find below brief summaries of the different types of personal lines policies. For more information please go to the specific insurance line pages. INLE Risk Management is not limited to the list you see below. INLE Risk Management is licensed for all forms of insurance, and if what you’re looking isn’t listed, please contact us directly.
Auto Insurance, also known as Car Insurance, is a compulsory insurance in order to drive your vehicle in Hong Kong. Private motor insurance is taken for a specific vehicle, with one policy per vehicle, and the policy holder as the registered owner of the vehicle. According to Hong Kong law, all drivers must have at least cover for injuries to third-parties of at least HKD 100,000,000.
Read more This will guide you to a single service page.Critical Illness Insurance offers protection by providing a lump sum in the event of a diagnosis of a serious illness. Depending on the policy or insurer, you could be covered 120 or more sicknesses and diseases. Critical Illness Insurance is often paired with life insurance, savings plans, or personal accident insurance, but is also offered as a stand-alone insurance.
Read more This will guide you to a single service page.In Hong Kong, all employers are required by law to acquire Employee Compensation Insurance, including Domestic Helpers. Similarly to Employee Compensation Insurance, Domestic Helper Insurance protects you against your liability to the helper if they are injured during the course of their regular duties. Failure to comply can result in a maximum fine of HKD 100,000 and two years in prison for the employer.
Read more This will guide you to a single service page.Home Insurance is an insurance policy that offers protection to individuals’ homes and possessions from a wide range of risks. Home Insurance is typically split into two different types of cover: Contents and Fire. Home Contents Insurance covers your home and possessions from losses, damage, or theft. Home Fire Insurance will protect the physical structure of the building, such as fire, flood, and typhoon.
Read more This will guide you to a single service page.In today’s global business economy, travel and overseas work are becoming more frequent, which also means threats to personal and corporate security are also becoming more frequent. Kidnap & Ransom Insurance seeks to facilitate the safest and quickest recovery of the victim, and fastest solution for any extortion events including financial support and consultant services to facilitate the process.
Read more This will guide you to a single service page.Medical Insurance is suitable for all individuals and seeks to protect them from any illness or sudden hospitalization. Medical Insurance has a wide variety of insurers and levels of cover to suit any sort of lifestyles. With an array of riders and additional benefits, clients can choose to define their appropriate level of cover. Help safeguard yourself and your family and give them peace of mind with the ideal medical protection.
Read more This will guide you to a single service page.Accidents can happen to anyone and when you least expect them. Besides bodily injury from the accident, it may also cause financial strain on you and your family due to medical expenses and loss of income. Personal Accident Insurance seeks to protect individuals and families from injury, financial burden, but also post-accident treatment and rehabilitation.
Read more This will guide you to a single service page.Savings insurance is a type of financial product that combines elements of both savings and insurance. It allows individuals to save money while also providing protection in case of unexpected events. With savings insurance, you can build up a savings fund over time while also having the peace of mind that you are covered in case of emergencies or unforeseen circumstances. It's a great way to secure your financial future while also ensuring that you have a safety net in place.
Read more This will guide you to a single service page.