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  • Chartis Singapore Insurance Pte. Ltd.
    CHARTIS Building
    78 Shenton Way
    #07-16
    Singapore 079120
  • Tel: +65 6419 3000
    Fax: +65 6415 3723
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Public Housing Protection Plan

Are your property and valuables protected from destruction and unfortunate mishaps such as fire outbreaks, explosion of domestic appliances, theft, burst water pipes and malicious damage?

Many proud homeowners like you have ploughed their life savings into their home and spared no expense in renovating and furnishing it.

Yet, is your prized possession truly protected in the event of an unforeseen predicament? In the event of a fire outbreak originating from your home, not only will you lose your hard earned assets, you may even be liable for damages to your neighbours’ homes and bodily injuries. Such legal obligation could be a heavy financial burden and take an emotional toil on you and your family.

With Public Housing protection Plan, you can protect your home with more than $680,000 worth of protection for as little as $0.15 a day.

Coverage Back To Top

Protect your family, your home and your valuables of up till $680,000 worth of protection for as little as $0.15 a day.

Coverage includes:
Building (includes Renovation Items and Fixtures and Fittings)
Covers loss or damage to your building, renovations, fixtures and fittings due to insured perils* such as fire, theft by violent and forcible entry, accidental breakage of fixed glass and more.

Household Contents
Covers loss or damage to household contents due to insured perils*.

Replacement of Locks and Keys due to Theft
Covers the cost of locks and keys replacement due to theft by violent and/or forcible entry.

Alternative Accommodation Expenses
Covers alternative accommodation expense should your home be made uninhabitable due to insured perils.

Personal Accident for the Insured and Spouse (below 66yrs old) whilst in the Building
Whether you are at home or overseas, this benefit gives you and your spouse the complete protection, 24 hours a day.

Medical Expenses for the Insured and Spouse (below 66yrs old) for Accident Hospitalisation whilst in the Building
With worldwide medical reimbursement, you and your spouse are covered for any inpatient and/or outpatient expenses incurred as a result of an accidental injury.

Worldwide Personal Liability
With worldwide personal liability cover, you and your family are assured of 24 hours protection against any potential third party claims for bodily injuries or damages to their properties, anywhere in the world.

Note:
* Insured perils refer to fire, lightning, explosion of domestic appliances, smoke damage, earthquake. Bursting and overflowing of domestic water pipes (excluding wear and tear), damage to a vehicle not belonging to or under the insured’s control or immediate family, aircraft damage, riot and strikes, malicious damage, spontaneous combustion and theft by violent and forcible entry. Excess applies for selected insured perils, per details specified in policy terms and conditions.

 

1. I own a private apartment, can I buy Public Housing Protection Plan (PHPP)?
PHPP is only available for home owners that live in a HDB flat. Owners of landed residential property, condominiums and private apartments can obtain cover for their homes under other home protection plans.

2. Does excess apply for any of the listed insured perils?
Excess of $200 applies for resultant damage caused by bursting and overflowing of water tanks, apparatus or pipes within the insured’s premise. Excess of $200 also applies for hurricane, cyclone, typhoon, windstorm, earthquake, volcanic eruption and flood (including overflowing of the sea).

3. What does the personal accident in PHPP covers?
PHPP insurance plan covers the insured and spouse up to $30,000 should he and/or she sustains bodily injury whilst in the building within 3 months of accident resulting in death or total permanent disability (loss of both hands, or both feet, or sight of both eyes.)  AHAC will also pay half of the principal sum insured for the loss of one hand, one foot or sight of one eye. 

4. Can I pay additional premium to increase the sum insured?
With PHPP insurance plan, you have the flexibility to include optional coverage for additional household contents at a nominal sum of $26.75/year per $10,000 sum insured.

5. If I move house during my policy period, what happens to my policy? Will I get a refund?
If you are moving to another HDB flat, simply inform us in writing and we will amend your address in the policy schedule. 

However, if the policy holder moves to a non-HDB type of dwelling, he/she can inform us of the cancellation request and a refund will be made on any unused premium.

If there is no replacement policy, the refund will be 80% pro-rated. However, if there is a replacement policy, the refund will be pro-rated.

6. How do I file a claim?
Simply call our hotline at 6419 3000 and our customer service officer will attend to you. If necessary, a loss adjustor will be appointed to assess the damages/claims.

 

Additional Details Back To Top

At your option, additional Household Contents cover is available at $26.75 for every $10,000 additional sum insured.

 

Related Products Back To Top

Recommended for HDB Apartments

  1. Enhanced Public Housing Contents Insurance

  2. Homes Complete

Recommended for Condominiums

  1. Homes Advantage Package

  2. HomePlus

  3. Premier Home Assurance

Recommended for Private Properties

  1. Homes Advantage