hsbc aspects travel insurance 2022

Business Travellers: Why Annual Travel Insurance Plans are better for you

Why should you buy annual business travel insurance.

With many countries reopening borders internationally, business travel has started to resume with meetings, conferences taking place face to face. Before you or your employees take off, it is important to check if you have got the right coverage to protect the trips to cover any unexpected expenses e.g. trip cancellation, flight delays, mandatory quarantine, emergency medical care etc. 

Depending on how often the trip is, it's a good idea to get an annual insurance plan that covers multiple trips, which is more convenient and cost-effective. This article will guide you through the details of buying annual business travel. 

Does your corporate insurance provide enough coverage for the business trips?

You should double check with your provider and ask for the full policy to understand more about the coverage before the trip. For example, some plans cover Covid-19 related expenses but some don’t. Also, not all coverage can be extended to leisure travel that takes place before or after the business trip.

So it is best to check the nitty-gritty of the terms and conditions and make sure all needs are covered. If not, it is wise to take out a more comprehensive plan to make sure all the expenses can be reimbursed if needed. 

What does Annual Travel Insurance cover? 

1. Medical expenses

If the insured got an injury or sickness during the business trip and there is a need to visit the doctor or hospital abroad, the treatment expenses incurred will be covered.

2. Trip cancellations and delay

Travel insurance covers flight delay , cancellation, or disruption.  Most policies provide cash allowance or cover reasonable and inevitable additional travel expenses and accommodation costs incurred. 

3. COVID-19 protection

Some travel insurance offers COVID-19 protection which is vital off the back of the pandemic. It covers emergency overseas medical expenses, journey cancellation and curtailment related to COVID-19, and also provides a quarantine allowance.

4. Loss of baggage and personal items

Most policies cover lost, delayed or damaged baggage. However, not all plans cover laptop and mobile phones so it is best to check before you buy the plans. Also,  if you bring expensive items along, it is important to get add-on insurance for those items. 

5. Personal accident

Should there be an accident, the travel insurance will provide coverage to beneficiaries in the event of death on the trip or a sum will be paid out if a hand, foot, limb or eyesight is lost as a result of an accident.

6. Personal Liability

If the insured is  involved in legal liability which causes a loss or damage to the third parties, personal liability coverage in travel insurance will be able to help with the compensation and expenses.

Tips for comparing travel insurance policies

When choosing travel insurance plans for yourself or your employees, the cheapest policy available is not always the best choice. It is wise to base your decision on your needs and you can follow below checklist: 

Single V.S. Annual Travel Insurance

If your employees travel frequently , you should consider buying annual travel insurance instead of single trip insurance to save you time and money. You can save the time required to shop around for a new policy for every trip.

Add-on coverage

Other than basic cover like trip cancellation, baggage loss etc. If your employees extend the trip to leisure travel, you might want to add extra cover to get full protection on the medical expenses or personal accident for amateur high risk activities like diving . Also,  off the back of the coronavirus pandemic, it's also important to buy travel insurance that provides COVID-19 coverage .

Check the limits and excess

All travel insurance covers have their own set of rules e.g.  you can only get compensation if the flight delay lasts for a number of hours. Also, it is worth checking if you can make claims on flight delays that are caused by typhoons as Hong Kong is prone to typhoons. However, you will not be covered if you did not purchase the plan before the typhoon signal is hoisted-- so it is wise to buy coverage as soon as your trip is finalized.

Also,  some of the coverage items like rental vehicle protection usually require excess which is the specified amount deducted from any claims that are paid out. It is important to understand these before you purchase the plan. 

How long can I get my claims back?

In some cases, you are able to make claims and get your money back within a few hours if you provide the right documentation? For example, if you get MSIG travel insurance and rent a car in Japan, you could make a claim in a few hours - which is really helpful to your company's cash flow!

Are mobile devices covered?

Most travel insurance plans do not cover accidental loss of mobile devices. However,  AXA travel insurance plans and Hang Seng Travel Insurance typically do!

Major exclusions

Below are some common exclusions of travel insurance and under which the coverage becomes ineligible:

War, revolution, use of military power, riot

Intentional acts including suicide or not taking reasonable efforts to minimize or avoid injury

Pregnancy, childbirth or any associated injury or sickness

Pre-existing or undeclared medical conditions

Specific medical conditions including sexually transmitted disease like AIDS or mental disorder

Alcohol or medicine related accidents, unless those are under prescription

Professional sports

High-risk activities

Unattended belongings

Annual Travel Insurance Plans

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It’s been three long years, and finally the time has come for us to dust off our passports and start packing our bags again. The threat of COVID-19 is still with us, however. So how should we choose our travel insurance to ensure we are well covered?

Protection against COVID-19

Pay particular attention to whether a travel insurance policy offers COVID-19 coverage. Possible scenarios include:

There are plans on the market that cover all the above scenarios, protecting you all the way from before your departure, to after your return home. You should choose a plan based on your specific needs.

Yet, travel insurance isn’t only about COVID-19 protections. Check to see if the scope of coverage includes the following too:

Enjoy global medical coverage with a VHIS plan

Once the borders completely reopen, you’d probably transit back into frequent traveller mode, whether for business or pleasure. You may even have plans for moving or studying abroad. If you will be staying overseas for extended periods of time, a medical protection plan that covers overseas medical expenses is a must-have in addition to travel insurance. Choosing a Voluntary Health Insurance Scheme (VHIS) that can cater to your needs is crucial. Some of the plans would protect you against medical expenses in the Greater China area, Asia or even other parts of the world. On top of the global medical coverage, there are other reasons for getting a VHIS policy:

The past three years have been a stark reminder that the future can be unpredictable. Only by preparing adequate protection for ourselves and our families can we make sure that no sudden illness or mishap would disrupt our plans.

Travel Insurance Checklist 2022

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• UK Cruisers

HSBC account included Travel insurance ?

By wallis7219 , August 26, 2021 in UK Cruisers

Recommended Posts

We are due to go on a couple of Seacations in September .

trying to get HSBC to confirm their travel Insurance aspects cover will cover the requirements that the Cruise lines are demanding currently, is proving to be somewhat tricky!

Has anyone sailed with any Cunard, Princess P and O with HSBC included account insurance?   

Really don’t want to get to the port and they say it does not cover the requirement.

just looking for a bit of peace of mind, as I think it does but, but trying to get someone from HSBC to confirm this is beyond me currently?   

Just looking for any confirmation of other people’s experience with insurance requirements ?

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23 minutes ago, wallis7219 said: Hello  We are due to go on a couple of Seacations in September . trying to get HSBC to confirm their travel Insurance aspects cover will cover the requirements that the Cruise lines are demanding currently, is proving to be somewhat tricky!   Has anyone sailed with any Cunard, Princess P and O with HSBC included account insurance?    Really don’t want to get to the port and they say it does not cover the requirement. just looking for a bit of peace of mind, as I think it does but, but trying to get someone from HSBC to confirm this is beyond me currently?    Just looking for any confirmation of other people’s experience with insurance requirements ?   Thanks Gary  

I used it on MSC without problem, different cruise line but........

If you follow this link and click "ask Aviva for confirmation of cover" you will get a confirmation that covers staycations and cruise ships, I don't know what you are looking for but I suspect this confirmation will provide what you need, it did for me on MSC.

https://www.hsbc.co.uk/insurance/products/premier-travel/

• 3 weeks later...

busymumofthree

I stumbled across this as I too have HSBC cover.  Thank you for the link, ziggy, - very helpful

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TravelSurance

Travel confidently with comprehensive coverage

TravelSurance protects you, your family, friends and relatives from the moment you book a trip all the way until you return home.

This all-in-one policy provides you with a hassle-free protection for a specific trip, including accidental injuries, medical and hospital expenses, personal liabilities, lost baggage and cash, delayed flights, stolen belongings, etc.

Should you have any queries about TravelSurance cover under Coronavirus Disease 2019 , please see our FAQs .

Key benefits

Covered for emergencies

Comprehensive cover, including personal accidents up to HKD2 million, and medical expenses up to HKD5 million 

Designated loss coverage

Cover designated loss such as adverse weather conditions, strike, terrorism or natural disasters 

Covers all ages with full benefits

All insured persons, including any children, will enjoy the full benefits under this plan 

Coverage for your phone

Get up to HKD6,000 coverage for your phone 

Limited time offer

Apply for TravelSurance between 18 Mar 2024 and 17 May 2024 (both days inclusive) to get:

• 30% off your first year’s premium and HKD100 Wellcome supermarket cash vouchers for annual MultiTrip TravelSurance
• 15% off for Single Trip TravelSurance

T&Cs apply

Compare HSBC TravelSurance Plans

Check out the  full coverage details . Enjoy extra benefits if you choose our Annual MultiTrip TravelSurance:

• Year-round protection with one-off premium payment for unlimited number of trips per year, up to 100 days per trip
• Experience the convenience with E-Policy servicing which provides you with 24-hour online access to your insurance policy details and allows you to submit policy service requests without hassle.
• If you travel to mainland China frequently, enjoy hospital admission deposit guarantee to designated hospitals in mainland China with a China Medical Card option under your annual MultiTrip policy

What's included?

Our plans generally cover:

We'll reimburse the necessary medical expenses incurred during a trip and follow up medical expense within 3 months after return to the Hong Kong SAR up to HKD5 million. We'll also cover additional travel and accommodation costs for your children if they have to travel back to Hong Kong SAR while you stay in hospital.

Sports and Activities [@sportsactivitiestravelsurance]

We provide cover for various sports and activities, including dune driving, sand boarding, safari adventures, whale tours, hot springs, horse riding, cable cars, iceberg climbing, watching auto racing, water sports, skiing, ice-skating, biking, thrill rides at amusement parks etc.

Travelsurance even covers certain hazardous sports activities such as hot air ballooning, bungee jumping, hang-gliding,parachuting, zipline, rafting, speed-boating, jet-skiing, trekking, water skiing, wakeboarding, wakesurf, sea kayaking,scuba-diving (that is diving to a depth not greater than 40 metres), mountaineering, rock-climbing etc.

You'll receive cover for baggage loss or damage up to HKD20,000 . We'll reimburse emergency purchases of essential items or clothing up to HKD2,000 if baggage is delayed for more than 6 hours after you've arrived at your destination abroad.

Expand 

Travel delays and loss of documents.

We’ll pay up to HKD2,500 if your scheduled transportation is delayed for more than 6 hours.

If you choose to buy the standard plan, you can have an alternative option of buying another one-way travel ticket to catch up with the planned itinerary and may reimburse up to HKD4,000. If you lose important documents such as your passport, we’ll cover replacement costs up to HKD5,000.

• China Medical Card (PDF)

Simply present your China Medical Card with your personal identification to designated hospital in mainland China, you won’t need to pay any deposit in advance. The card only costs HKD300 per annum.

Credit card protection

In the event of death of the insured caused by an accident outside the Hong Kong SAR, any outstanding balance payable under the insured’s credit cards up to HKD5,000 for items charged while outside the Hong Kong SAR during the trip will be covered.

• Find out more about credit card protection (PDF)

Funeral expenses

For more details, refer to the policy provisions (PDF)

What's NOT included?

Our plans generally do not cover:

• riot, civil commotion, war, invasion, civil war and related perils 
• suicide, self- inflicted injury, illegal acts, insanity, drugs-taking, alcohol abuse, venereal disease, AIDs.
• any pre-existing conditions
• childbirth, pregnancy, miscarriage, travelling for the purpose of obtaining medical treatment
• any sports or activities which are played in professional capacity or in competition involving prize money or reward of any kind 
• Deep water diving (that is diving to a depth of greater than 40 metres)
• motor rallies
• aviation other than as a fare-paying passenger of travelling by a recognised airline or air charter company
• manual work (e.g. involving the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• property more specifically insured 
• claims where not notified in writing to AXA General Insurance Hong Kong Limited within 31 days after end of the trip

For a full list of exclusions, refer to the policy provisions (PDF) .

How to apply

Eligibility.

To be able to apply you must:

• be an HSBC bank account or credit card holder
• be an HKSAR resident and applying for this insurance policy in the HKSAR
• depart from and return to the HKSAR from your insured destination
• hold an HKID card for online applications
• take note of the below for child cover:
• for child under 18 years old, the parent or legal guardian[@legalguardiantravelsurance] information of the child must be provided during the application
• children aged under 12 years old must be accompanied by an adult during the trip
• provide information of any spouse/partner[@partnerdefinition], children, relatives and friends if you wish to insure them under the same policy

Important Information 

•   TravelSurance Declaration, Terms and Conditions TravelSurance Declaration, Terms and Conditions Modal
•   Fees & Charges Fees & Charges Modal
•   Forms and documents Forms and documents Modal
•   Important Information Important Information Modal
• TravelSurance Product Factsheet (PDF) TravelSurance Product Factsheet (PDF) Download
• TravelSurance policy document (PDF) TravelSurance policy document (PDF) Download
•   Frequently asked questions (FAQs) Frequently asked questions (FAQs) Modal
•   Find a branch Find a branch Modal

HSBC customers can apply for a TravelSurance policy online

Or visit a branch

You can visit one of our branches to find out more

Find out more

If i don't have a hong kong identity card, can i still apply for travelsurance .

Yes, you can, as long as you will start and finish your journey in Hong Kong. You require an HKID card in order to apply online, so can call  (852) 2867 8678  or visit any HSBC branch in Hong Kong in order to apply if you do not have one.

Can children be covered by TravelSurance policies? 

Can i buy travelsurance for my friends or their children .

Yes, you can. Before starting the application, you should make sure you have the people you’re trying to insures’ full names, Hong Kong Identity numbers and dates of birth.

Who can I contact for assistance in case of emergency? 

You can call our Emergency Assistance Hotline on  (852) 2528 9333  at any time for emergency medical and evacuation assistance, travel information, baggage assistance, medical referrals, legal referrals and emergency ticketing. The hotline operates in English, Cantonese and Mandarin.

Can I extend my policy period while I'm abroad? 

Yes, you can manage your policy and submit service requests from anywhere either by calling  (852) 2867 8678  during office hours or logging on to HSBC Personal Internet Banking at any time. Please note you can extend your policy any time prior to its expiration

What happens if while covered I'm hospitalised abroad and unable to speak the local language? 

In the event that you’re ill or injured abroad and require a translator, you can call the Emergency Assistance hotline for referral and we will cover the cost of this service up to HKD500 per day and HKD5,000 per trip.

What happens if one of my flights gets delayed and I can't catch the connecting flight? 

In the event that you need to book an additional last-minute flight due to delay, we will cover all or part of the additional cost as long as the delay in question lasts over 6 hours. Asia Standard Plan holders will be covered up to HKD2,000, while Worldwide Standard Plan holders may receive up to HKD4,000 towards their additional one-way ticket.

Are sports and activities covered by TravelSurance? 

Yes, provided you don't take part professionally or for remuneration.

For example, activities such as safaris, whale tours, water sports and skiing are covered, as are more hazardous activities such as hot air ballooning, hang-gliding and parachuting.

However, aviation other than with a licensed aircraft operator is not covered, while scuba diving is covered as long as you don’t go beyond a depth of 40 metres.

To see what you’ll be covered for under TravelSurance, check the full list (PDF) .

Will I receive extra protection if an Outbound Travel Alert is issued for my planned destination? 

Yes, you will receive extra protection both before and during your trip should this occur.

Before your trip, you may:

• Cancel your Single Trip TravelSurance policy and receive a full premium and levy^ refund
• Be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance if your trip is cancelled because of a red alert. You can claim up to HK$50,000 if you  have a Standard Plan and HK$25,000 if you have a Basic Plan
• Be reimbursed up to 100% of the irrecoverable deposits or charges paid in advance if your trip is cancelled due to a black alert. You can claim up to HK$50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan

During your trip, you may:

• Have your insurance automatically extended for 10 days at no cost if your return flight is unavoidably delayed due to any travel alert
• Be reimbursed up to 50% of the unused irrecoverable prepaid costs or additional travel-related cost if your trip is cut short due to a red travel alert. You can claim up to 50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan
• Be reimbursed up to 100% of the unused irrecoverable prepaid or additional travel-related costs if your trip is cut short due to a black travel alert. You can claim up to 50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan
• Receive an additional HKD1,000 subsidiary should a black travel alert disrupt transportation during your trip

Can I claim for medical expenses incurred during my trip? 

Yes you can. TravelSurance covers medical expenses incurred abroad provided that the condition being treated isn’t a pre-existing one.

You may also be interested in

Home Contents Insurance

Our home contents insurance (ResidenceSurance) can meet your needs, leaving you free to enjoy your life without worrying about your most treasured possessions.

Personal Accident Insurance

A comprehensive insurance that protects you and your dependents against the financial strain that a personal accident can bring.

Medical and critical illness insurance

Safeguard yourself against unexpected medical expenses and critical illnesses. 

Disclaimer 

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by  AXA General Insurance Hong Kong Limited ("AXA"),  which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

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HSBC Travel Companion

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• Protect yourself and enjoy travel insurance promotions
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* Travel insurance coverage is underwritten by MSIG Insurance (Singapore) Pte. Ltd. HSBC Bank (Singapore) Limited is not the underwriter nor the distributor for this insurance plan. It is not an obligation of, deposit in or guaranteed by HSBC Bank (Singapore) Limited (Company Registration No. 201420624K).

1  HSBC Visa Infinite Credit Card Travel Insurance: Read the policy in detail . 

2  HSBC Premier Mastercard Credit Card: Read the policy in detail

3  HSBC Advance Credit Card: Read the policy in detail

4  HSBC Revolution Credit Card:  Read the policy in detail

5 HSBC TravelOne Credit Card: Read the policy in detail

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Eating sustainably while on a holiday can be quite daunting, but it doesn’t mean that we have to stop paying attention to our environmental footprint while on the road.

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Deposit scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

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