General
Insurance
Life is full of unexpected risks, some of which may set you back. General Insurance helps us protect ourselves and the things we value against losses, damages or liabilities.
What does it cover?
From fires, typhoons, travel mishaps, and other accidents, general insurance will have you covered for everything except for Life Insurance. Blue Diamond offers a wide range of general insurance policies for you to choose from. Our experienced agent will help you select a tailor-made plan that’ll cover all your specific needs.
What We Offer:
Fire Insurance
Fire insurance covers your home against damage and provides financial means to repair or replace damage so that you can resume your life. Depending on how much coverage you want, our experienced staff will help you select a plan to protect your personal needs.
FAQ
At its most basic plan, fire insurance covers all damages incurred on your home due to:
- Fire and lighting
- Typhoon, windstorms, and floods
- Explosions
- Earthquakes
- Landslides
Fire Insurance should be purchased by homeowners, rather than tenants.
Fire Insurance
Fire insurance covers your home against damage and provides financial means to repair or replace damage so that you can resume your life. Depending on how much coverage you want, our experienced staff will help you select a plan to protect your personal needs.
FAQ
At its most basic plan, fire insurance covers all damages incurred on your home due to:
- Fire and lighting
- Typhoon, windstorms, and floods
- Explosions
- Earthquakes
- Landslides
Fire Insurance should be purchased by homeowners, rather than tenants.
Home Insurance
The home insurance policy is what tenants purchase to protect, both, their assets and themselves in the case of a personal liability claim. This policy provides coverage whether you’re renting an apartment or a house.
FAQ
Personal Property: This includes everything that you brought with you to the residence you are renting, from furniture, clothing, electronics, jewellery, art, and small appliances. This policy pays to repair or replace any or all of the aforementioned in the event it is damaged, destroyed, or stolen in the home.
Personal Liability: This provides financial protection if a visitor to your home gets injured in the property you are renting.
The home insurance policy is for you if:
- You are renting a home
- You have brought your valuable belongings with your into your home
- You’d like to be protected in the case of unexpected accidents
- You frequently host visitors in your home
Annual Travel Insurance
Annual Travel Insurance provides a wide range of unexpected occurrences while you are travelling. If you don’t travel often, single travel package may be for you. Blue Diamond can offer you a 15% discount on Bravo Generali’s single travel policy. For more details, see the bottom of this page.
FAQ
- Medical expenses – coverage for medical emergencies, cost of treatment, overnight stays, and repatriation
- Cancellation or curtailment – coverage in the case you need to cancel or shorten your stay
- Stolen, lost, or damaged luggage
- Missed departure or delays – coverage if flights are delayed because of insured event
If you travel often (4+ times a year) and/or are a business traveler, you should definitely inquire about annual travel insurance. Besides the financial discount it may provide, it will also give you peace of mind knowing you don’t need another thing to do/remember before flying.
Download the Bravo Generali app and register. After filling in the details of your travel (type of coverage, location, duration, and number of persons covered), insert the following discount code: BDVIP
Art, Jewelry & Valuables
These insurance policies can be purchased together or individually according to your specific needs. Depending on the value of the goods, you’d like to ensure, our brokers will select the right plan for you to ensure that your misplaced, damaged, or stolen goods are protected for life.
FAQ
These insurance policies can cover any valuables that you have purchased. With these policies, feel free to purchase any valuable products your heart desires without worrying about the worst case scenario of it disappearing*. The amount covered is entirely up to you.
*Terms and conditions apply
Home insurance is very useful, however, it is often limited with regards to how much you can claim. If you know that you own high-net worth items, this insurance could guarantee your necessary protection.
Any one or all of this products are for you if:
- You own high value jewelry (in the form of loose gemstones, jewellery, or watches)
- You own art pieces in your home that are valued more than your home insurance claim limit
- You own any luxury goods including but not limited to branded bags, fur coats, or anything whose value amounts to over 10,000USD
Personal Accident
Accidents happen. Accident/Disability Insurance provides coverage to you and your dependents against the financial strain you may incur if, unfortunately, you have an accident. Many policies have a benefit schedule which spells out the corresponding benefits against each type of accidental bodily injury.
FAQ
- Accidental death
- Dismemberment
- Permanent disablement
- Weekly allowance during the period of temporary disablement (subject to a term as specified in the policy)
- Medical expenses arising from the treatment of the injury
You may consider accident/disability insurance if you are the primary breadwinner as the protection can help ease the financial worries of your family when you are lost.
Domestic Helper Insurance
Did you know that if your domestic helper gets ill you are to bear the costs? And that it’s actually mandatory to purchase this insurance if you’ve hired a domestic helper. Domestic helper insurance provides comprehensive coverage for your helper in addition to your legal obligations as a responsible employer?
FAQ
There are standard and more comprehensive plans. In general, the following is covered:
- Legal liability
- Medical expenses due to accident, disease, or sickness resulting in hospitalization
- Clinical feed
- Infidelity of domestic helper
- Domestic helpers’ personal belonging
- Domestic helpers’ personal liability
If you currently employ or have the intention of employing a domestic helper, by law, you are legally required to purchase domestic helper insurance.