Home Insurance

You can buy insurance with an insurance period of 1 year.

You can contact HD Insurance’s customer service center via Hotline 1900 068 898 for support if you have any questions about the contract.

Option 1: Check your mail box where e-insurance certificate  was sent when registering for insurance.

Option 2:  Enter website: https://e-certificate.hdinsurance.com.vn/ then fill in information requested to view and/or download your insurance certificate. If you have already registered account on HD Insurance’s website, you can log in to your account to search for  your insurance certificate.

Option 3: Contact HD Insurance’s customer service center via Hotline 1900 068 898 for support.

You do can. If you request to terminate insurance before its expiry, you must notify HD Insurance 30 (thirty) days in advance from the intended date of termination. Once insurance is terminated as agreed, HD Insurance shall refund 80% insurance premium of remaining period, unless an insured event occurs during the contract’s validity period, refund shall not be made.

You can buy insurance for a house if you have an insurable interest of that house, more specifically, once the lease contract clearly states that you are responsible for care and responsibility for physical damage during use of such house.

Additionally, you can purchase insurance for assets inside that are owned or at your responsibility.

You can absolutely buy insurance for your house. If the assets inside are owned by you, you can also buy insurance for them.

If you do not meet the conditions specified for type of house, you should not be able to participate in this insurance program.

If you still want to protect your house and internal assets for you and your family, please contact HD Insurance at hotline 1900 068 898 for advice on more suitable insurance products.

Building Coverage and Content Coverage are two different insurance sections designed together in the same policy and you can choose to buy just building or content or both of them.

Building coverage only protects the structure of the building such as walls, windows, ceilings, floors, pipes and parts that are permanently installed from the time of construction of the house.

Meanwhile, if you participate in Content, it will protect assets inside the house, such as furniture, electrical equipment, upgraded, reinforced, renovated parts…

Therefore, the coverage of these two parts is complementary to each other. To fully protect your home against risks, you should consider participating in both parts.

Building coverage: Insurance for the structure and fixed assets of the house such as the roof, walls, floors, doors, windows and certain outdoor structures.

Content coverage: shall cover for losses related to property inside building such as electronics, household appliances… that are property of the Insured or any member of the Insured’s family stored inside the insured house.

You must notify HD Insurance in the event of any of the following changes:

–  There is a transfer of ownership of the insured house during the insurance validity period;

–  Change in the nature of use or change in any other condition affecting the existing house being insured and thereby increasing exposuse to risks of insured assets;

–  The insured house is vacant (unoccupied) for more than 30 days;

–  The insured property is moved to any house or place other than the insured house;

–  The Insured’s interest in the insured assets terminates (unless otherwise provided by applicable law).

HDI Home Insurance product are designed for you to choose a level of compensation that suits your needs and budget, regardless of the actual value of the house or its content.

The compensation limit is maximum amount that HD Insurance is obliged to pay for an incident and in entire insurance period. In no case claim payment shall exceed the compensation limit stated on the Insurance Certificate and shall not exceed actual damage to the house and/or Insured Property.

However, to ensure the best benefits, you should choose a compensation limit close to the actual value of the house and assets in the house, determined as follows:

–  Compensation for the house shall be the construction value at the time of loss, you should determine the value of the house based on the current or predicted market construction value in the near future (taking into account inflation factors and price fluctuations that may arise during the insurance period).

–  Because the compensation basis for internal assets is New Replacement Value, you should estimate the entire value of internal assets based on the original price of the asset (not taking into account deductions due to depreciation or reduce value).

HD Insurance recommends that you keep all invoices for insured assets, because when a loss occurs, invoices for purchase or maintenance of the assets will be the most authentic evidence to prove your ownership of those assets

In case you cannot provide invoices proving ownership of the damaged assets, proving this right will depend on each specific situation subject to assessment of loss adjuster.

HD Insurance would like to remind you that retaining purchase or maintenance receipts for insured assets only serves to prove your ownership of that asset, the value shown on the invoice may serve as reference only when calculating the compensation amount.