Your HSBC Premier Worldwide Travel Insurance
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Your HSBC Premier
Worldwide Travel
Insurance
Policy Wording.
Policy Number: 011012
Effective from 20 January 2021
Please take time to read this booklet as it contains important information.
To be covered you and any insured persons need to be:
® under 70 when your trip starts
® a UK* resident
® Registered with a doctor in the UK* in order to make any medical claims
Dependent children must be under 23 years of age
Grandchildren are eligible if they are under 23 years of age
*definition of UK includes Channel Islands and Isle of Man
To help you understand what you are covered for at a glance – we’ve highlighted
some common questions such as:
® do I need to tell you that I’m travelling?
® do you need to know about any medical conditions?
® what is the maximum trip length?
® are holidays in the UK covered?
® are business trips and winter sports covered?
® can my partner travel independently?
® how do I make a claim?
Further details are on page 2.2
Welcome to your
HSBC Premier Travel Insurance
Please take time to read this booklet as it contains important
information including a Privacy Notice explaining how your data will
be used. If you have a question and cannot find the answer either
below or in the Policy Wording, please contact Customer Services.
COVID-19: What am Your HSBC Premier Travel Insurance will provide cover for events
I covered for? relating to COVID-19, such as:
® Emergency medical expenses abroad, cancelling or coming
home early if you fall ill with COVID-19.
® Cancelling or coming home early if you have to self-isolate
or quarantine before you travel or while on your trip due to
COVID-19 (please be aware, this doesn’t include having to
self-isolate or quarantine when you return from your trip).
® Cancelling or coming home early due to a FCDO advisory
notice being in place advising against all or all but essential
travel to your destination or, the FCDO are advising British
citizens to leave the area in which you are staying. Cover
for cancellation is only available in the 31 days before your
departure date.
If you have suffered with COVID-19 and needed medical
treatment, then as with other medical conditions you may need
to tell us about this. We will then screen it and tell you if this
affects your cover. Please refer to the Your Health section on
page 22.
Your HSBC Premier Travel Insurance will only cover you for
unexpected and unforeseen events - please refer to the Known
Event section on page 10.
We recommend you read your policy terms and conditions for
full details on what is and isn’t covered, in particular exclusions
which apply to this whole option section 9, 11 and 14 on
page 19.3
What costs can I Your travel policy provides cover for unrecoverable costs. If you
claim back from my need to make a claim for travel, accommodation or related costs
travel insurance? which you or any insured person has paid, we will consider
claims for your costs which are unrecoverable from your travel
and/or accommodation provider or agent, your debit/credit card
company, PayPal, ABTA, ATOL (or similar organisations).
For example, if your trip is cancelled by your tour operator or
booking agent you may have a right to a refund from them for
some or all of the cost of your trip.
For further information on what you would need during a claim,
please see the Unrecoverable Costs section on page 10.
Do I need to tell you No. As long as you have told us about any relevant pre-existing
that I am travelling? medical conditions you do not need to register with us or tell us
that you are travelling.
Do you need to Yes. If you, or any insured person have a medical condition(s),
know about any you should check to see if the condition(s) is covered
medical conditions? automatically on the “Accepted conditions” list. If the condition
is not listed and if in the 12 months prior to booking a trip you
have been prescribed medication, have received or are awaiting
medical treatment, tests or investigations, been referred to a
specialist or admitted to hospital, then you should call us
before booking trips. Undiagnosed symptoms are not covered.
Please see the ‘Your Health’ section on page 22 for full details
of when and what you must declare.
What is the policy Where a policy excess applies it is £50 per person, per trip.
excess?
What is the Trips should be no longer than 31 days and must start and end in
maximum trip the UK, Channel Islands or Isle of Man. However when booking
length? your trip you may be able to purchase an upgrade to increase
the trip length to a maximum duration of 120 days.4
Can my Yes, partners who are not named account holders can travel
partner travel without the account holder at any time provided they are eligible
independently? and the account holder is aged under 70.
Are holidays in the Yes. Holidays in the UK, Channel Islands or Isle of Man need
UK covered? to involve a stay of at least two consecutive nights in
pre-booked holiday accommodation or have prepaid flights
or ferry crossings. Please see our definition of pre-booked
holiday accommodation on page 14.
Are winter sports Yes. Winter sports holidays are covered for up to a maximum of
holidays covered? 31 days in any calendar year. Please see the full details of what
is covered on page 38.
Are business trips We will provide cover if you travel outside the UK to carry out
covered? office-based clerical or administrative duties, you are covered
for up to a maximum of 31 days in any calendar year. We do not
cover any other type of business travel, even if you have some
leisure time during your trip.
Can I claim for No. There is no cover under this policy for problems with your
cancellation of travel documents before you leave. If your passport is lost or
my trip if I have a stolen or damaged while you are abroad there is cover in this
problem with my situation. Please see the Emergency Travel Document section
travel documents, on page 36.
e.g. my passport
is out of date/not Before you book a trip, check the entry requirements of the
arrived in time or my country you intend to visit with the local government embassy
visa is invalid? and/or the Foreign, Commonwealth and Development Office
website gov.uk/foreign-travel-advice.
How do I make To make a claim please call the relevant number on page 5 and
a claim? refer to the information on page 7.5
Travel Insurance Helplines
Medical Risk Assessment Within the UK 0800 051 7457
Please refer to the ‘Your Health’ section on Lines open: 8am – 9pm every day
page 22 to find out if you need to tell us except Christmas Day, Boxing Day
about medical condition(s). and New Year’s Day.
24-hour Medical Emergency Assistance Within the UK 0800 051 7458
If you are injured or fall ill while you are away, Outside the UK +44 1603 605 135
please contact this helpline.
All lines open: 24 hours, 365 days a year.
Customer Services 03457 70 70 70
Use this number for all general policy enquiries. Textphone 03457 125 563
Policy documentation is available in large print, Lines open: 24 hours, 365 days a year.
audio and Braille. If you require any of these
formats please contact HSBC.
Travel Claims Within the UK 0800 051 7459
Use this number to report any travel claims, Outside the UK +44 1603 604 910
which are not as a result of a medical
Lines open: 24 hours, 365 days a year.
emergency.
Legal Expenses Claims and Advice Within the UK 01603 208 533
Use this number to report any legal expenses Outside the UK +44 1603 208 533
claims or if you require advice for any personal
Lines open: 24 hours, 365 days a year.
legal problem that may lead to a claim under
this policy.
Travel Assistant Within the UK 0800 051 7461
This helpline can assist you with a wide range Outside the UK +44 1603 605 155
of travel advice before and while you are away.
Lines open: 24 hours, 365 days a year.
Please do not call this number for policy queries
or claims.
Policy Upgrades 0800 328 1562
Additional cover may be available to extend Lines open: Mon to Fri (9am to 5pm).
your trip duration.
Telephone call charges and recording
Calls to 0800 numbers are free from UK landlines and mobiles.
The cost of calls to 01, 02 and 03 prefixed numbers are charged at national call rates
(charges may vary dependent on your network provider) and are usually included in
inclusive minute plans from landlines and mobiles.
For our joint protection, telephone calls may be recorded and/or monitored6
Travel Assistant Other emergency services while
travelling
Helpline ® a ‘phone home’, translation and
interpretation service if you need
This service can help you sort out all kinds it in an emergency.
of travel problems before you go and while
you are away, from providing information Please note there is no charge for the
on the countries you are visiting to sorting provision of the advice, guidance or other
out non-medical emergencies. emergency service shown above. However,
if you wish us to obtain goods or services
Advice before you travel on your behalf that are not covered by a
® any visa and entry permits you might claim under this policy, you will need to pay
need; any fees that the provider charges and you
® any necessary vaccination and will need to adhere to the provider’s
inoculation requirements, and where terms and conditions.
you can get them;
® what you should take with you Air and maritime
regarding first aid and health;
® what currencies and travellers’ cheques passenger rights
to take with you, and what the current
For the latest advice and further details
exchange rates are;
on your rights please visit the following
® the languages spoken, time zones, bank
websites:
holidays and climate of countries you
plan to visit; caa.co.uk and search for ‘travel problems’
® import and export allowances for
tourists. dft.gov.uk and search for ‘maritime
passenger rights’.
While travelling
® how to replace lost or stolen passports, You should also refer to the terms
driving licences, air tickets or other travel and conditions of the carrier you are
documents; travelling with.
® how to trace your baggage with the
airline operator if it is delayed or lost; Please note we are not responsible for
the content of other websites.
® why, how, where and when you should
contact local embassies or consulates;
® how to transfer money out to you if you
need it;
® cancellation of credit cards, if lost or
stolen, and helping you to report the loss
to your card provider;
® provide information to close relatives,
friends or employers if you have to go
into hospital.7
Your Claim
If you need to make a claim please telephone the number shown on page 5 immediately.
Only a selection of claims scenarios are shown below. Please refer to the relevant section
within this policy booklet for full details of cover and any evidence we may require.
Type of claim What must I do? What will I need?
Cancelling your ® Check that the reason you ® For medical claims, we will
trip or coming need to cancel or come home send a medical certificate for
home early early is covered. completion by the patient’s
See page 25. ® Contact the Medical doctor to confirm the reason
Emergency Helpline before for your claim.
returning home. ® Evidence of your booking and
the cancellation.
Missed Departure ® Do all you can to get to your ® Confirmation of the reason for
See page 28. departure point on time. missing your departure from
your transport provider, traffic
or police reports or roadside
assistance provider.
Travel Delay ® Check that your delay ® Written confirmation from
See page 28. was over 12 hours before the airline/carrier of the actual
submitting a claim. date and time of departure
and the reason for the delay.
Alternative ® Contact your carrier or their ® All claims must be supported
Travel and handling agents and they by documentary evidence.
Accommodation will advise if they can offer
Arrangements you suitable alternative
See page 28. accommodation and/or travel
arrangements.
Medical ® Contact the Medical ® All medical reports given to
emergency Emergency Helpline before you by the treating facility.
See page 30. any hospital admission or as
soon as possible thereafter.
Legal Expenses ® Contact the Legal Expenses ® We will tell you when you call
See page 33. Claims and Advice Helpline if we need anything else to
as soon as you are aware of deal with your claim.
the incident.
Emergency Travel ® Report incident to the police ® All receipts for any costs
Document as soon as reasonably incurred.
See page 36. possible.8
Type of claim What must I do? What will I need?
Delayed Baggage ® Report the loss/damage to ® Written confirmation from the
See page 36. the airline/carrier within the airline/carrier of the number of
timescales stated within their hours delay.
terms and conditions.
Baggage and ® Take all reasonable steps to ® A ‘Property Irregularity Report’
Personal Money recover lost/stolen property. from the airline/carrier and
See page 37. ® Report incident details to the your baggage tag receipts.
police as soon as reasonably ® Proof of purchase of the lost,
possible. stolen or damaged item.
® Report the loss/damage to ® Proof that you owned the
the airline/carrier within the money and its value.
timescales stated within their ® A written report from the
terms and conditions. police or any other relevant
® Do not dispose of damaged authority.
items.9 Guide to your HSBC Premier Travel Insurance Policy Page Section 1 – Important Information 10 About HSBC Premier Travel Insurance 10 Section 2 – Policy Wording 13 Definitions13 Helpful and important information about this policy 15 General Exclusions 17 General Conditions 19 Your health 22 “Accepted medical conditions” list 23 On your trip 25 Cancelling or coming home early 25 Travel disruption 28 Emergency medical and associated expenses 30 Accidental death and permanent disability 32 Legal expenses and advice 33 Personal liability 34 Your possessions 35 Winter sports 38 Your Activities 39 Complaints Procedure 41 Compensation42 Further information about your policy 42 Privacy Overviews 42
10
Section 1 – borders, or imposes restriction of
movement and these cancellations or
Important Information restrictions were in place or had been
announced at the time you opened your
HSBC Premier Bank Account or booked
About HSBC Premier Travel
your trip (whichever is later).
Insurance
Please refer to General Exclusion 11 on
Known Event page 19.
HSBC Premier Travel Insurance covers you
Unrecoverable Costs
for unexpected and unforeseen events and
circumstances, for example, if you have an Your travel policy provides cover for
accident while you are on holiday and need unrecoverable costs. If you need to make a
urgent medical treatment this will be covered. claim for travel, accommodation or related
costs which you or any insured person has
There is no cover in relation to any event,
paid, we will consider claims for your costs
incident or circumstances, if at the time you
which are unrecoverable from your travel
opened your HSBC Premier Bank Account
and/or accommodation provider or agent,
or booked your trip (whichever is later),
your debit/credit card company, PayPal,
you knew that, or you could reasonably be
ABTA, ATOL (or similar organisations).
expected to know that:
For example, if your trip is cancelled by your
® the event or incident had already
tour operator or booking agent, you may
occurred or was going to occur, or
have a right to a refund from them for some
® the circumstances existed or were going or all of the cost of your trip.
to exist
If you are not able to recover all your costs
and the event, incident or circumstances and your circumstances are covered by the
could reasonably be expected to affect your terms of your policy, we will consider costs
travel plans. you have been unable to recover.
For example: When you make a claim, we may ask you for:
® you would be reasonably expected ® proof of booking and any costs paid;
to know of any event, incident or
® details of any refund you have been able
circumstances that had been widely
to obtain;
reported in the media in the UK at the
® evidence that you are not able to recover
time you opened your HSBC Premier
your costs elsewhere.
Bank Account or booked your trip
(whichever is later) Please check this policy booklet carefully to
® there is no cover for cancellation of your ensure that you understand what is and isn’t
trip if your travel plans are disrupted covered.
because flights are cancelled or any
government or authority closes their11
How long does my HSBC Premier essential travel, or where British nationals
Travel Insurance run for? are advised to return home.
All cover under this policy will cease
automatically if: We won’t cover:
® Any trip if you travel against the advice
1. the account holder: of the FCDO or any government, or
where you do not follow any advice
® Closes the HSBC Premier bank account.
or measures put in place by any
® Reaches 70 years of age (on joint
government or local authority in the UK
accounts cover continues for the other
or abroad, for example quarantine rules
eligible account holders until they reach
or curfews
age 70).
® Any claim if the advice or measures were
® Is no longer a UK, Channel Islands or Isle
in place or had been announced at the
of Man resident.
time you opened your HSBC Premier
® Is believed to be or reasonably suspected Bank Account or booked your trip
by us to be acting fraudulently (whichever is later).
2. HSBC UK Bank plc (HSBC): Eligibility
As your circumstances may change
® Closes the HSBC Premier account
over time, it is important that you review
under one of the reasons set out in the
the terms and conditions of your Travel
HSBC Premier bank account terms and
Insurance regularly to check you remain
conditions.
eligible and that the cover remains
adequate for your needs.
Travel advice of the Foreign,
Commonwealth and Development
Meeting your needs
Office (FCDO)
This policy has been designed to meet
the needs of people who wish to protect
Foreign, Commonwealth and
against costs that could arise in the course
Development Office – travel advice
of their travels. It covers such things as
by country
coming home early, emergency medical
® Before you book a trip and travel, you
treatment, personal liability, legal expenses
should check the FCDO website
and the theft of your money.
gov.uk/foreign-travel-advice. It is
packed with essential travel advice and
Your cancellation rights
tips, plus up to date information about
You have a statutory 14 day period in
different countries
which to close your HSBC Premier bank
® You should be aware of any travel account. This period begins on the date
restrictions or advisory notices for you successfully opened your HSBC
the country you plan to visit Premier bank account or when you receive
® This policy provides cover should you your Travel Insurance policy document,
book a trip and then need to cancel the whichever is later. To exercise your right
trip or return home early as a result of the to cancel this travel insurance at any time
FCDO advising against all travel or all but the HSBC Premier bank account must12
be closed. If it is not closed the Travel Explaining HSBC’s Service
Insurance will remain active until the first of Your travel insurance policy is underwritten
the termination events shown above occur. by Aviva Insurance Limited. As an
insurance intermediary HSBC UK Bank
To exercise your right to cancel, please plc deals exclusively with Aviva for the
contact HSBC or your HSBC Premier purposes of your policy. HSBC UK Bank plc
Relationship Manager. are authorised by the Prudential Regulatory
Authority and regulated by the Financial
How do I make a claim? Conduct Authority and the Prudential
Should you need to make a claim under Regulatory Authority as an insurance
this policy, please contact the appropriate intermediary and has been appointed by
helpline shown on page 5. the insurer Aviva to provide insurance
products, sell these to you and service
How do I make a complaint?
your insurance needs. You will not receive
We hope you will be happy with the service
advice or recommendation from HSBC UK
that we provide. However, if for any reason
Bank plc on this arrangement and no fee
you are unhappy with it, we would like to
has been charged by HSBC UK Bank plc
hear from you.
for arranging this contract. HSBC UK Bank
If you are unhappy with any aspect of the plc may receive commission dependent on
handling of your claim please contact the performance of our insurance business
with Aviva.
® T
he Travel Claims Helpline number
shown at the front of this booklet; or Would I receive compensation if HSBC
were unable to meet their liabilities?
® The HSBC Claims Department,
HSBC is covered by the Financial Services
Aviva Insurance Limited,
Compensation Scheme (FSCS). You may
PO Box 432, Chichester PO19 1QA.
be entitled to compensation from this
If your complaint is regarding anything else scheme if we cannot meet our obligations,
please contact: depending on the type of insurance and
the circumstances of your claim.
® T
he Customer Services Helpline number Further information about the FSCS
shown at the front of this booklet. arrangements is available from them
on 0800 678 1100, or by visiting their
Both HSBC and Aviva are covered by the website fscs.org.uk.
Financial Ombudsman Service, you can find
their full details on page 41.
If you have complained to us and we have
been unable to resolve your complaint,
you may refer it to this independent body.
Following the complaints procedure does
not affect your right to take legal action.13
Section 2 – home territory
1. England, Scotland, Wales, Northern
Policy Wording Ireland, Jersey and Isle of Man if your
home is located in any of these areas;
Definitions
Wherever the following words or phrases 2. Guernsey, Alderney, Sark, Herm, Jethou,
appear in bold, they will have the following Brecqhou and Lihou if your home is
meanings: located on any of these islands.
account holder office-based business travel
Any person named as an account holder Travel outside the UK if the reason for your
on the HSBC Premier Bank Account who trip is to carry out wholly office-based
is under 70 years of age at the start date of clerical or administrative duties only, which
the trip. do not involve you dealing with members
of the public.
close business colleague
Someone you work with in the UK who Office-based business travel is limited to
has to be in work in order for you to be 31 days in any calendar year.
able to go on or continue a trip. A senior
partner
manager or director of the business must
The person that the account holder lives
confirm this in the event of a claim.
with at home in a domestic relationship,
close relative whether married or co-habiting (as if
Your mother, father, sister, brother, partner, husband and wife or civil partnership),
fiancé(e), daughter, son, grandparent, regardless of gender, who is under 70 years
grandchild, parent-in-law, daughter-in-law, of age at the start date of the trip.
son-in-law, brother-in-law, sister-in-law, step-
period of insurance
parent, step-child, step-sister, step-brother,
Each trip you make, whilst the HSBC
aunt, uncle, cousin, nephew, niece, legal
Premier account is in force, will be treated
guardian or foster child.
as a separate period of insurance;
doctor individually subject to all policy terms,
A registered member of the medical conditions, declarations and exclusions.
profession who is not related to you or Cover for each individual trip applies as
anyone you are travelling with. follows:
excess 1. Cover for cancelling your trip begins
The amount that you will have to pay from the date of opening your HSBC
towards each claim per insured person, Premier account, or the date of booking
per trip. each trip (whichever is later) and ends
when you leave your home to start
home your trip;
Your home address in the UK.14
2. Cover under all other sections starts 2. Office-based business travel outside
when you leave your home and ends the UK; or
when you return home (or are repatriated
to a hospital in the UK), providing you do 3. Holidays within the UK, that include
not exceed the trip limit. two or more consecutive nights stay in
pre-booked holiday accommodation or
personal money have prepaid flights or ferry crossings.
Cash (including foreign currency), travellers’
cheques, non-refundable pre-paid event UK
and entertainment tickets, travel tickets, England, Scotland, Wales, Northern Ireland,
passports, visas and driving licences. Channel Islands and Isle of Man.
point of international departure UK resident
The airport, port or station from which An insured person who has their
you will undertake international travel permanent home in the UK.
from or to the UK. If your home is in
Northern Ireland, you are also covered for valuables
international travel from or to the Republic Jewellery, costume jewellery, watches,
of Ireland. items made of or containing gold, silver,
precious metal or precious stones,
pre-booked holiday accommodation binoculars, hand held games consoles and
A commercially run premises where a equipment, mobile phones, photographic
fee is charged which has been booked equipment, video cameras, e-readers,
prior to the start of your trip, including a laptops and tablets, or any accessories
pre-booked tent or caravan pitch but not which are designed to be used with
including residential properties belonging these items.
to friends or family.
we, us our, insurer
travelling companion Aviva Insurance Limited. Registered in
A person you travel with, without whom Scotland, no. 2116. Registered office:
you cannot make or continue your trip. Pitheavlis, Perth PH2 0NH. Authorised
by the Prudential Regulation Authority
this policy and regulated by the Financial Conduct
The HSBC Premier Worldwide Travel Authority and Prudential Regulation
Insurance. Authority.
trip(s) winter sports equipment
Journeys beginning and ending in the UK Skis, snowboards, boots, helmets, bindings
that last no more than 31 days that are or poles.
either:
you, your(s), yourself, insured person
1. Holidays (including cruises) outside the The account holder, his/her partner
UK; or and their dependent children, step
children, foster children who at the start15
of the trip are under 23 years of age and Children
grandchildren under 23 years of age. Dependent children who at the start of
the trip are under 23 years of age are only
Helpful and Important covered when:
Information about this policy
1. travelling with the account holder or
This policy is included with your HSBC his/her partner, or
Premier Bank Account. Please read this
booklet carefully, keep it in a safe place and 2. travelling with close relatives who are
take it with you when you travel. It gives over 23 years of age, or
you full details of what is covered, what
3. travelling independently on a school/
is not covered and the limits, excesses
college trip with teachers/lecturers, or
and conditions of cover. It is the account
holder’s responsibility to ensure that 4. travelling abroad on their own to stay
all insured persons are aware of their with close relatives who permanently live
responsibility and comply with all of the abroad, for the duration of the trip.
policy conditions. If you do not comply,
we may refuse your claim or reduce your Grandchildren
cover in the event of a claim. Grandchildren who at the start of the trip
are under 23 years of age are only covered
In respect of each trip taken during the when travelling with the account holder or
period of insurance, we will provide the his/her partner.
cover set out in this policy document
provided: Automatic cover
This policy automatically applies for each
1. you are an account holder; trip, this means you do not have to contact
us every time you book a trip, unless you
2. you are a UK resident;
need to tell the Medical Risk Assessment
3. in order to make any emergency medical Helpline about any change to a previously
claims or claims for cancellation or coming disclosed medical condition or the
home early due to medical emergencies, diagnosis of a new condition. Please also
you are registered with a doctor in the UK; read ‘Information and changes we need to
know about’ below.
4. the trip begins after the date the HSBC
Premier bank account was opened; Information and changes we need to
know about
5. you have booked your return journey You must take reasonable care to provide
before leaving the UK, or if you have an complete and accurate answers to the
open ticket, you have confirmed your questions we ask you. For example before
return date with the airline. you book a trip or travel, you may need to
tell the Medical Risk Assessment Helpline
about medical conditions not shown on
the “Accepted conditions” list. After your16
HSBC Premier account is opened, you Automatic extension of cover
must make sure that you tell the Medical If you cannot get back home before your
Risk Assessment Helpline if there are any cover ends, this policy will remain in force
changes in health. Please see the ’Your as follows:
Health‘ section for full details of what you
need to declare. 1. up to 14 days if any vehicle you are
travelling in breaks down, or any vehicle,
You also need to tell HSBC if you move vessel, train or aircraft in which you
address – if this means that you are no are booked to travel as a ticket holding
longer a UK resident then all cover under passenger is delayed or cancelled; or
this policy will end.
2. for as long as medically necessary where
When we are notified of a change, we will you are claiming for emergency medical
tell you if it affects this policy, for example treatment under this policy.
whether we are able to accept the change
and if so, whether the change will result in Automatic termination of cover
revised terms. If the information provided All cover under this policy will cease
by you is not complete and accurate we automatically if:
may:
1. the account holder:
1. revise or amend the medical
underwriting decision(s) for any declared ® closes their HSBC Premier bank account;
pre-existing condition(s), which may result ® reaches 70 years of age (on joint
in the accepted condition being excluded; accounts cover continues for other
or eligible account holders and other
insured persons until all account
2. refuse to pay any claim; or holders reach 70 years of age);
® is no longer a UK resident;
3. not pay any claim in full. ® is believed to be or reasonably suspected
by us to be acting fraudulently.
If you are in any doubt about Information
or Changes we need to know about, please 2. HSBC closes the HSBC Premier
contact us. account under one of the reasons set-out
in the HSBC Premier account terms and
Amendments to your cover
conditions.
You may be able to upgrade from the
standard cover for an extended trip If an insured person is on a trip at the
duration of up to 120 days. To check if this time an automatic termination event
is possible please call the Upgrade Helpline occurs, all cover will cease when the trip
number shown on page 5 at the point of ends.
booking your trip for further information
and a quotation.17
Your cancellation rights General Exclusions and Conditions
This policy will remain in force subject to (These apply to the whole of
the automatic termination of cover section your policy)
above.
General Exclusions
You have a statutory 14 day period in This policy does not cover the following:
which to cancel this policy. This period
begins on the date you opened your 1. Any consequence whatsoever which is
HSBC Premier account or when you the direct or indirect result of any of the
receive your policy document, whichever following, or anything connected with
is later. To cancel this policy at any time any of the following, whether or not such
the HSBC Premier account must be closed. consequence has been contributed to by
If it is not closed, this policy will remain any other cause or event:
in force until any of the automatic
termination events shown above occurs, or (a) War, invasion, act of foreign enemy,
this policy is cancelled in accordance with hostilities or a warlike operation or
the rights shown in the General Conditions operations (whether war be declared
section of the Policy Wording. or not), civil war, rebellion, revolution,
insurrection, civil commotion assuming the
To exercise your right to cancel, please proportions of or amounting to an uprising,
contact HSBC or your HSBC Premier military or usurped power.
Relationship Manager.
(b) Any action taken in controlling,
Use of language preventing, suppressing or in any way
Unless otherwise agreed, the contractual relating to (a) above.
terms and conditions and other information
relating to this policy will be in English. 2. Claims directly or indirectly caused by:
Choice of law (a) Ionising radiation or contamination by
The law of England and Wales will apply radioactivity from any nuclear fuel or from
to this policy unless: any nuclear waste from burning nuclear
fuel; or
1. You and the insurer agree otherwise; or
(b) The radioactive, toxic, explosive or other
2. At the date of the contract the account hazardous properties of any explosive
holder is a resident of Scotland, Northern nuclear assembly or part of an assembly; or
Ireland, Channel Islands or the Isle of Man
in which case (in the absence of agreement (c) Pressure waves caused by aircraft and
to the contrary) the law of that country other aerial devices travelling at sonic or
will apply. supersonic speeds.
3. Any claim for your death, injury, illness
or disability resulting from:
(a) Your suicide or attempted suicide; or18
(b) Your misuse of alcohol or drugs or crash helmet and appropriate protective
your consumption of alcohol or drugs clothing. As a rider you must be fully
(other than drugs taken under medical licensed and insured to use this vehicle in
supervision and not for treating alcohol or the UK. There is no cover for trips taken
drug addiction) to an extent which causes outside of Europe.
immediate or long-term physical or mental
impairment, including impairment to your (b) you driving any motorised vehicle,
judgement causing you to take action you unless you are fully licensed to drive such
would not normally have taken; or a vehicle in the UK;
(c) Any exacerbation of an accepted (c) you driving or being a passenger in
medical condition caused by your misuse any motorised vehicle unless you have
of alcohol or drugs. complied with all laws applying to use of
that vehicle in the country you are visiting,
4. Any claim where during the trip, you for example you must wear a seatbelt
deliberately put yourself at risk of death, where this is required by law;
injury, illness or disability (unless your life
is in danger or you were trying to save (d) your involvement in paid or unpaid
human life). manual work or physical labour of any kind,
other than charity or conservation work
5. Any loss that is not specifically described (see further limitations in the Your Activities
in the stated terms and conditions, section).
e.g. we will not pay for loss of earning if
you are unable to return to work due to (e) business travel if your job is not wholly
illness or injury during your trip, or any an office based role and your trip involves
payment which you would normally have dealing with members of the public or any
made during your travels. tasks other than clerical or administrative
duties;
6. Any incident which happens after the
trip duration limit has been reached. (f) you taking part in an activity which is
shown as excluded in the Your Activities
7. Any claim for an incident which happens section;
during a trip that results from:
(g) you taking part in exploration or
(a) you riding or being carried as a scientific expeditions or being a crew
passenger on a scooter, moped or member on a vessel travelling from one
motorcycle: country to another;
(i) 125cc or under, unless you wear a (h) you climbing on to, on top of, or
crash helmet and, as a rider, you are fully jumping from any balcony railing, ledge
licensed to use such a vehicle in the UK; or wall, or climbing or moving across any
external part of a building or vehicle not
(ii) over 125cc, unless this is your mode specifically designed for that purpose.
of transport from the UK and you wear a19
8. Any claim resulting from a tropical that the event, incident or circumstances
disease where you have not had the could reasonably be expected to affect
recommended inoculations and/or taken your travel plans.
the recommended medication.
12. You must report any loss or theft to
9. Any claim for: the police as soon as reasonably possible
following discovery, and get a written report
(a) management fees, maintenance (where it is not possible to obtain a police
costs or exchange fees, unused travel or report you must provide other independent
accommodation arranged by using air proof of the loss or theft, such as a letter
miles, loyalty or points based schemes, from your transport company, hotel, or
timeshares or similar promotions; resort management).
(b) costs which are recoverable from 13. We won’t cover any trip arranged to
your travel and/or accommodation give birth or to collect newly adopted or
provider or agent, your debit/credit card surrogate children.
company, PayPal, ABTA, ATOL (or similar
organisation). 14. Any claim if you travel against the
advice of the FCDO or the government of
(c) costs you have paid on behalf of any country to which you will travel, or
persons not insured under this policy; where you do not follow any advice or
measures put in place by any government
(d) administration costs charged by your or local authority in the UK or abroad, for
travel and/or accommodation provider in example quarantine rules or curfews.
respect of obtaining a refund for unused
travel and accommodation. General Conditions
1. The account holder must have an
10. Any claim because you do not feel like HSBC Premier Bank Account.
travelling, or you are not enjoying your
trip. 2. You must be registered with a doctor in
the UK to be covered for any emergency
11. Any claim in relation to any event, medical claims or claims for cancellation
incident or circumstances, if at the time or coming home early due to medical
you opened your HSBC Premier Bank emergencies.
Account or booked your trip (whichever
is later), you knew that, or you could 3. You must have taken reasonable care
reasonably be expected to have known to provide complete and accurate answers
that: to the questions asked when you opened
your HSBC Premier Bank Account and
® the event or incident had already before you book a trip or travel make sure
occurred or was going to occur, or that you have told us about any medical
® the circumstances existed or were going conditions as detailed in the Your Health
to exist and section on page 22.20
Please note that if you fail to tell the we need to know about’ section in this
insurer about medical conditions this could policy booklet and General Condition 3;
invalidate this policy and could mean that
part or all of a claim may not be paid. It is (d) where HSBC decide to offer this policy
therefore very important that you read the through an alternative provider as provided
Your Health section in this booklet. for in General Condition 18.
If the information provided by you is not HSBC may also cancel this policy in
complete and accurate, we may amend accordance with the HSBC Premier Bank
the medical underwriting decision(s) for any Account Terms and Conditions. Please refer
declared pre-existing condition(s) which to this document for further details.
may result in an accepted condition being
excluded, or refuse to pay any claim, or not 5. Claims fraud
pay any claim in full. In order to prevent and detect fraud
HSBC and the insurer may at any time
If you fail to notify us of any changes to share information about you with other
your health before a trip (as required in organisations and public bodies including
the Your Health section of this booklet) the police. You should show these notices
this could result in a previously accepted to anyone who has an interest in this
medical condition being excluded. policy.
4. Our right to cancel If your claim is in any way dishonest or
HSBC may cancel this policy on our exaggerated we will not pay any costs
behalf by sending at least 30 days written or benefits under this policy and we
notice to your last known postal and/or may cancel this policy immediately and
email address setting out the reason for backdate the cancellation to the date of the
cancellation. fraudulent claim. We may also report you
to the police and/or take legal action
Valid reasons include, but are not limited to, against you.
the following:
6. You must take all reasonable precautions
(a) where we reasonably suspect fraud; to protect yourself and your property
against any accident, injury, theft, loss or
(b) where you fail to co-operate with damage. You must take the same level of
us or provide us with information or care as you would if you did not have
documentation we reasonably require and this policy.
this affects our ability to assess a claim
or defend our interests. See the General 7. If we make a payment before cover is
Conditions 8, 9, and 11 below; confirmed and our claims investigation
reveals that no cover exists under the terms
(c) where you have not taken reasonable of this policy, you must pay us back any
care to provide complete and accurate amount we have paid, which you are not
answers to the questions we ask as covered for.
required in the ‘information and changes21
8. You must tell us as soon as possible 14. We are entitled to take over and carry
after becoming aware of any circumstances out in your name the defence or settlement
which may lead to a claim under this of any legal action. We may also take
policy. You must also tell us if you are proceedings at our own expense and for
aware of any legal proceedings, summons our own benefit, but in your name, to
or prosecution. You must send us every recover any payment we have made under
communication relating to a claim as soon this policy to anyone else.
as reasonably possible.
15. If you make a medical claim you may
9. You, or any person acting for you, must be asked to provide consent to enable us to
not negotiate, admit or reject any claim access your medical records. This will help
without our permission in writing. the treating doctors, and us, to provide
you with the most appropriate treatment
10. We may refuse to pay any expenses for and assess whether cover applies. If you
which you cannot provide receipts or bills. do not agree to provide this we will not
deal with your claim.
11. You or your legal representative must
pay for any certificates, information and 16. Following the expiry of your statutory
evidence, which we may need. When there cooling off period (14 days commencing
is a claim for injury or illness, we may ask on the date you take out the account or
for, and will pay for, any insured person to the date on which you receive the policy
be medically examined on our behalf. documents (whichever is the later)), you
continue to have the right to cancel this
12. If, at the time of an incident which policy at any time by contacting HSBC.
results in a claim under this policy, there is
any other insurance covering the same loss, 17. We can, at any time and after taking a
damage, expense or liability, we are entitled fair and reasonable view, but no more than
to approach that insurer for a contribution once in any 6 month period make changes
towards the claim, and will only pay our to this policy’s terms and conditions, to
share. This condition does not apply to reflect changes in our expectations of the
the Accidental Death and Permanent future likely cost of providing cover. Policy
Injury benefit or Medical Inconvenience cover may increase or decrease, but the
benefit under the Emergency Medical and changes will not be made for the sake of
Associated Expenses section. recouping past losses.
13. Where an insured person holds more When doing so we will only consider one
than one HSBC Premier account, only one or more of the following:
travel insurance policy will apply. As such
we will only pay out once per insured (a) our experience and expectations of the
person for the same event. cost of providing this product and/or other
Aviva products of a similar nature.22
(b) information reasonably available to
us on the actual and expected claims
Your health – cover
experience of insurers of similar products. and exclusions for
(c) widely available economic information medical conditions
such as inflation rates and exchange rates.
Please read this section carefully
Additionally, we can, at any time and This policy is not a general health or
after taking a fair and reasonable view, private medical insurance policy and will
make changes to this policy’s terms only cover sudden and unexpected illness
and conditions: or accidents.
(a) to reflect changes (affecting us or Medical Condition means:
this policy) in the law or regulation or
the interpretation of law or regulation, or Any illness, disease or injury that you have
changes in taxation. had in the 12 months prior to booking a
trip(s) where you have;
(b) to reflect decisions or recommendations
of an Ombudsman, regulator or similar ® been prescribed medication and/or
person, or any code of practice, with which ® received or are awaiting medical
we intend to comply. treatment, tests or investigations and/or
® been referred to, or had follow up with
(c) in order to make this policy clearer and a specialist and/or
fairer to you or to rectify any mistakes that
® been admitted to hospital or had surgery.
may be discovered in due course.
What do you need to tell us?
Changes (together with the reasons for
If an insured person has any medical
such changes) will be notified to you in
condition other than those shown as an
writing at least 30 days in advance.
‘Accepted condition’ on pages 21 and 22
and you wish us to consider covering the
18. HSBC may cancel this policy on our
medical condition(s), you need to call
behalf and may offer cover with another
us on 0800 051 7457.
provider. If this happens HSBC will contact
you by sending 30 days’ notice to your last
Please note – medical conditions are
known postal and/or email address.
not covered by this policy unless:
• you only have ‘Accepted conditions’
shown on pages 23 and 24; or
• we have been told about them and
have confirmed in writing that they
have been accepted.23
When do you need to tell us? However, if you have a medical condition
® Before booking any trip that is not on the list, or the restrictions/
exclusions apply to you, you must tell us
If you wish us to consider covering about all medical conditions you have,
medical conditions you have that are not including any shown on the list below.
shown on the ‘Accepted conditions’ list,
you need to contact us before booking If you are in any doubt please call us on
any trip. 0800 051 7457.
When you call us, we will assess your ® Allergy/Anaphylaxis (no hospital
medical condition(s) and tell you whether admissions in last two years)
or not we are able to cover the condition(s). ® Arthritis (no back or neck problems)
® Asthma (no nebulisers or oxygen at
® After booking a trip but before
home and no hospital admissions in the
travelling
last 12 months)
If after the trip has been booked you ® Benign prostatic enlargement
are referred to a consultant/specialist or ® Broken bone/fracture (not head or spine)
admitted to hospital, you will be covered ® Cataracts
for cancellation of your trip and we will ® Chicken pox
pay travel costs you had paid before this ® Constipation
happened. If you still wish to travel you ® Common cold/influenza
must call us and we will tell you if we
® Cystitis
are able to cover the condition. If we are
® Diabetes (no complications for example
unable to cover the condition but you still
retinal, kidney or nerve damage)
wish to go on the trip, we will not cover
any claim relating to that condition. ® Diarrhoea and/or vomiting
® Dislocated joint (not following knee/hip
If you booked your trip before opening replacement)
your account you should call us as soon ® Eczema/dermatitis
as possible to find out if your medical ® Essential tremor
condition(s) can be covered for the ® Fungal nail infection
pre booked trip.
® Gastric reflux
Accepted conditions ® Glaucoma
If these are the only medical conditions ® Gout
you have and none of the restrictions or ® Haemorrhoids
the Health exclusions listed below apply, ® Hayfever
you will be automatically covered by this ® Hernia
policy and we do not need to know ® High/low blood pressure
about them.
® High cholesterol
® Hypothyroidism (underactive thyroid)
® Impetigo24
® Irritable bowel syndrome (IBS) (e) Travelling with the intention of seeking
® Joint replacement (no dislocation of medical treatment.
replacement joint)
Reciprocal Health Agreements
® Macular degeneration
(Residents of England, Scotland, Wales
® Migraine (confirmed diagnosis, no
and Northern Ireland only)
ongoing investigation)
The UK has reciprocal healthcare
® Minor infections (treated with no more agreements with a number of countries
than one course of antibiotics) and territories worldwide. If you are a UK
® Osteoporosis (no back or neck fractures) resident, these agreements mean that you
® Peptic ulcer may be entitled to urgent medical treatment
® Polymyalgia rheumatica at a reduced cost, or in some cases for
® Psoriasis free. We strongly recommend that you
® Retinopathy (not a link to diabetes) check if the country you are travelling to
® Sinusitis has a reciprocal health agreement in place
and what the requirements are before
® Soft tissue injury/tendon injury/sprain
you leave the UK, you can find more
® Tinnitus
information online at www.nhs.uk and
® Tonsillitis search for Healthcare abroad.
® Vertigo
Medicare
Health exclusions (Residents of England, Wales, Scotland
1. There is no cover for any claim arising and Northern Ireland only)
directly or indirectly from the following: If you require medical treatment in
Australia, you must enrol with a local
(a) Any medical condition unless it is Medicare office. You do not need to enrol
shown as an ‘Accepted condition’ or we on arrival but you must do this after the
have been told about it and we have first occasion you receive treatment.
accepted it in writing. In-patient and out-patient treatment at
a public hospital is then free of charge.
(b) Any symptoms that you were aware of,
Details of how to enrol and the free
prior to booking a trip, for which you have
treatment available can be found at
sought but not yet received a diagnosis.
humanservices.gov.au by searching
(c) Any medical condition for which you for Medicare forms.
were not taking the medication prescribed
to you.
(d) Travelling against the advice of a doctor
or purposely travelling without medical
advice when it was reasonable for you to
have consulted a doctor.25
On your trip 3. your home is badly damaged by
explosion, fire, landslide, flood or severe/
adverse weather.
Cancelling or coming home early
If you unavoidably have to cancel your trip
4. the police need to speak to you because
or come home early, we will pay for the
your home or place of work has been
following:
burgled.
® unrecoverable costs that each insured
5. severe/adverse weather prevents you
person has paid or legally has to pay
from leaving your home, reaching your
for their own unused personal travel
point of international departure or your
and accommodation (including pre-paid
pre-booked holiday accommodation in
excursions and green fees); and/or
the UK.
® additional travel costs (if you cannot
use your return ticket), and/or 6. delay or cancellation of your pre-booked
accommodation costs (of a similar transport prevents you from leaving the UK
standard you had booked for your trip) on your outward journey, and the carrier
necessary to allow you to come home or their handling agent is unable to provide
early. suitable alternative travel arrangements
within 24 hours of the date and time of the
We will consider claims for your costs scheduled departure as shown on your
which are unrecoverable from your travel ticket/itinerary.
and/or accommodation provider or agent,
your debit/credit card company, PayPal, 7. you are a member of the Armed
ABTA, ATOL (or similar organisation). Forces, Police, Ambulance, Fire, Nursing
Services or an employee of a Government
The most we will pay for each insured Department and authorised leave is
person is: cancelled due to an unexpected posting or
a major incident in the UK.
® £7,500 for personal travel and
accommodation costs; 8. In the 31 days before your departure
® £750 for excursions; date, or while you are on your trip:
® £250 for green fees.
(a) an avalanche, earthquake, explosion,
If one of the following occurs: fire, landslide, flood or severe/adverse
weather renders your accommodation
1. you are injured, fall ill, are quarantined uninhabitable or unreachable;
or die.
(b) a Foreign, Commonwealth and
2. a close relative, close business Development Office advisory notice is in
colleague, or the person you were going place advising against all travel or all but
to stay with is seriously injured, falls essential travel to your destination or, the
seriously ill or dies. FCDO are advising British citizens to leave
the area in which you are staying.26
Or you choose not to travel or continue (b) You must provide written confirmation
your trip because: from the carrier or their handling agent of
the actual date and time of the planned
(c) your accommodation is directly affected departure and reason for the cancellation
by a food poisoning outbreak; or delay, and that they were unable to offer
suitable alternative travel arrangements
(d) a terrorist attack happens within a within 24 hours of your scheduled
50-mile radius of your pre-arranged departure.
accommodation and you do not wish to
travel or you wish to return home early. (c) Where you have been prevented from
reaching your point of international
9. Your transport operator, accommodation departure or pre-booked holiday
provider or their booking agents become accommodation in the UK due to severe/
insolvent. adverse weather, you must provide
evidence that travel was not possible, such
10. You are denied boarding because there
as local police, press or travel reports.
are too many passengers for the seats
available and no suitable alternative flight (d) If your leave is cancelled, or you are
could be provided within 12 hours. made redundant you must provide written
confirmation from your employer.
You can also cancel your trip if one of the
following occurs: (e) If you are called as a witness or for
jury service you must provide written
(a) you are made redundant;
confirmation.
(b) you are called for jury service or as a
(f) If you are denied boarding you must
witness in a court of law during your trip.
provide proof that your carrier was unable
You will also be covered if your travelling to offer you suitable alternative travel
companion has to cancel the trip or come arrangements.
home early for one of the reasons listed
If you have to come home early
above.
(a) If you need to come home early and
Special conditions intend to make a claim you must phone
(a) All claims resulting from illness, injury, the Emergency Medical Assistance Helpline
quarantine or death must be supported by immediately.
medical reports, or a death certificate (or
(b) All claims must be supported by
both). Medical reports must be obtained
documentary evidence that you have been
at the time of the incident and indicate the
unable to obtain a refund from the travel
necessity to cancel the trip or come
and/or accommodation provider.
home early.27
(c) You must provide written confirmation If you have to cancel your trip
from the accommodation provider and/ (a) Any claim due to severe/adverse
or local or national authorities that the weather where you have not allowed
accommodation was uninhabitable and the sufficient time to reach your point of
reason for this, and that they were unable international departure taking into
to offer suitable alternative accommodation account the weather forecast for
of a similar standard. your journey.
(d) If you need to come home early but (b) Any claim where the carrier or handling
have not already purchased a return ticket, agent has offered suitable alternative travel
we will deduct the cost of an economy arrangements within 24 hours of the date
flight from any costs we incur in bringing and time of the scheduled departure as
you home. shown on the ticket/itinerary.
(e) If you cannot use your return ticket and (c) Any claim for dismissal, misconduct,
we pay additional travel costs to allow you resignation or voluntary redundancy.
to come home early, your unused travel
ticket will then belong to us. (d) Any claim for redundancy if you or
your travelling companion knew of the
Excess redundancy at the time of opening your
We will not pay the first £50 for each HSBC Premier Bank Account or booking
insured persons claim. However, if two your trip (whichever is later) or where you
or more insured persons claim under this cannot provide written evidence that the
section the maximum excess will be £100. reason you or your travelling companion
left the job was due to redundancy.
In the event of a claim for loss of deposit
only, we will not pay the first £20 of each If you have to come home early
insured persons claim. (a) Any claim for coming home early which
was not authorised by our Emergency
What is not covered Medical Assistance provider.
(a) Anything mentioned in the General
Exclusions and Health Exclusions in the (b) Any claim for coming home early
Your Health section. due to Foreign, Commonwealth and
Development Office advice where this
(b) Any claim where, at the time of opening advice was already in place prior to your
your HSBC Premier Bank Account or departure from the UK.
booking a trip (whichever is later), you
knew that an illness or injury of a close (c) Any claim for coming home early after
relative, travelling companion or you have chosen to move to alternative
person you were going to stay with, could accommodation.
reasonably be expected to affect your
travel plans. (d) Any claim where you knew, prior to
departure, that you may need to come
home early.You can also read
