Home Insurance

Pet, Critical Illness, Fire and Home* policy holders can handily access to their online OneDegree account both by computer and mobile browsers (such as, Google Chrome/Edge/Safari, etc); whilst, online account management is not yet extended to other insurance products. Policy holders can simply login at www.onedegree.hk by inputting their registered email address and with One Time Password (OTP). * Home policy holders who purchase their policies on or after 22 December 2022.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  If you face problem to login your account, please check if: ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ a. Expired OTP OTP will be sent while Microsoft on behalf of OneDegree Hong Kong Limited <msonlineservicesteam@microsoftonline.com>, and the code will be valid for 5 minutes only. If you have not entered the OTP in time, you would need to request a new OTP again. At the same time, if you repeatedly request a OTP, the previously requested password will become invalid after a repeat request.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ b. Browser setting If you are using Google Chrome browser, please check if you have already allowed cookies and have not pre-set us (www.onedegree.hk) as one of your unaccepting websites in “Setting” page. Please be aware:  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  Never select o        Block third-party cookies o        Block all cookies (not recommended)  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  Never to add o        our website (www.onedegree.hk) in “Sites that can never use cookies”  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀ ⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀  You may also try if able to access through Incognito Window (below image as reference). ⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ ⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀ ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  In case, you have already gone through all our above suggestions and the problem persists, please refer to our guide at What do I need to provide for reporting a technical issue? . Then, contact with us with the necessary details sharing, we will be best to assist accordingly.  ⠀⠀ ⠀⠀⠀⠀⠀⠀ ⠀⠀⠀  You may contact us through diverse channels (https://www.onedegree.hk/en-us/contact-us ).

Home Insurance Refunds are calculated based on the Short Term Premium Refund Table. An administration fee of HKD 500 will be deducted from the refundable premium. The total amount retained by the company includes the pro-rated premium for the covered period plus the HKD 500 administration fee. The remaining balance will be refunded to the customer. 　 Fire Insurance Refunds for Fire Insurance are also calculated on a pro-rata basis; however, the administrative fee structure differs from Home Insurance. A minimum administration fee of HKD400 applies. If the calculated pro-rata premium is less than HKD 400, a minimum retaining fee of HKD 400 will be charged as the total administration cost for the cancellation. 　 Policy Amendment Fees (Applicable to Fire Insurance Only) The following administrative fee arrangements apply to modifications of Fire Insurance policy details (such as insured property address, mortgage information, etc.): 　 If the customer identifies an incorrect and contacts us to request an amendment within 48 hours of policy issuance, the administrative fee will be waived. 　 Any amendment requests submitted after 48 hours will incur an administration fee of HKD 300 per request.

We don’t cover you for: 1. Uninsurable risk such as scratching, corrosion, wear and tear; 2. Items which are insured under a separate policy; 3. Malicious damage or vandalism by a person residing in the insured premises; 4. Contact lenses, mobile/portable phone, laptop, computer; 5. The insured premises unoccupied for more than 30 days. For more details, refer to our insurance policy wording.

1. Please ensure that the property age is 50 years or below on the Policy start date. 2. Enter the saleable area of your property through the OneDegree website. 3. Enter the Info page and click “Login” 4. Please click “Sign up now”, do not click “Sign in” 5. Enter your email for policy contact purposes, then click “Send Verification Code” 6. Please enter the 6 digits verification code sent to your email, then click “Complete verification” 7. Please click “Continue” after the email address has been verified 8. Please enter the rest of the information after the account creation, the policy document will be issued and sent to your registered email address after the premium payment is completed. If you have any questions, don’t hesitate to contact our Customer Service team. Thank you.

Yes, OneDegree's Home Insurance allows you to customize your own coverage. If you do not need Pet Owners' 3rd party liability coverage, School Closure Compensation due to WHO declared pandemic and Hospital Cash due to Accident, you can remove these coverage and we will adjust your premium based on your policy coverage.