HSBC Insurance Aspects: Travel Insurance - HSBC Channel Islands ...
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HSBC Insurance Aspects: Travel Insurance Policy Summary and Policy Wording Policy Number: 060605/011012 Effective from 20 April 2019 Please take time to read this policy booklet as it contains important information about your Worldwide Travel Insurance. 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. *definition of UK includes Channel Islands and Isle of Man hildren are covered if they are under 18 years of age (under 23 years of age C if in full time education and living at home outside of term time). 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? ®® how do I make a claim? ®® can my partner travel independently? Further details are on page 2.
2 Welcome to your HSBC Insurance Aspects: Travel Insurance Please take time to read this booklet as it contains important information. If you have a question and cannot find the answer either below or in the policy wording, please contact Customer Services. 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 with the “Accepted conditions” list on page 21 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 cover an extended duration. What upgrades are The following upgrades may be available for an additional available on this cost; extended trip duration up to 120 days, increased cover policy? for cancelling your trip or coming home early up to £7,500 per person, increased cover for golf equipment and green fees. For further information please see page 14.
3 Are holidays in the Yes. Holidays in the UK, Channel Islands or Isle of Man need to UK covered? involve a stay of at least two consecutive nights in pre-booked holiday accommodation. Please see our definition of pre-booked holiday accommodation on page 12. 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 35. 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 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. 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 33. e.g. my passport is out of date/not Before you book a trip, check the entry requirements of the arrived in time or country you intend to visit with the local government embassy my visa is invalid? and/or the Foreign and Commonwealth Office website gov.uk/foreign-travel-advice. How do I make To make a claim please call the relevant number on page 4 and a claim? refer to the information on page 7. Please see pages 8-10 for the limits and excesses which will apply to each section.
4 Travel Insurance Helplines Medical Risk Assessment Within the UK 08000 517 142 Please refer to the ‘Your Health’ section on Lines open: 8am – 9pm every day page 20 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 08000 517 451 If you are injured or fall ill while you are away, Outside the UK +44 1603 605 142 please contact this helpline. All lines open: 24 hours, 365 days a year. Customer Services Phone 03457 404 404 Use this number for all general policy enquiries. Textphone 03457 125 563 Policy documentation is available in large print, All 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 08000 517 452 Use this number to report any travel claims, Outside the UK +44 1603 604 960 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 08000 517 453 This helpline can assist you with a wide range Outside the UK +44 1603 605 120 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 1563 Additional cover may be available to extend Lines open: Mon to Fri (9am to 5pm). your trip duration, increase cancellation cover and add cover for golf equipment and fees. 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 monitored.
5 Travel Assistant While travelling: ®® how to replace lost or stolen passports, Helpline driving licences, air tickets or other travel documents; This service can help you sort out all kinds ®® how to trace your baggage with the of travel problems before you go and while airline operator if it is delayed or lost; you are away; from providing information ®® why, how, where and when you should on the countries you are visiting to sorting contact local embassies or consulates; out non-medical emergencies. ®® how to transfer money out to you if you need it; Advice before you travel: ®® cancellation of credit cards, if lost or ®® any visa and entry permits you might stolen, and helping you to report the loss need; to your card provider; ®® any necessary vaccination and ®® provide information to close relatives, inoculation requirements, and where friends or employers if you have to go you can get them; into hospital. ®® what you should take with you regarding first aid and health; Other emergency services while ®® what currencies and travellers’ cheques travelling: to take with you, and what the current ®® a ‘phone home’, translation and exchange rates are; interpretation service if you need ®® the languages spoken, time zones, bank it in an emergency. holidays and climate of countries you plan to visit; Please note: There is no charge for the ®® import and export allowances for provision of the advice guidance or other tourists. emergency service shown above. However, if you wish us to obtain goods or services on your behalf that are not covered by a claim under this policy, you will need to pay any fees that the provider charges and you will need to adhere to the provider’s terms and conditions.
6 Foreign and Air and maritime Commonwealth passenger rights Office (FCO) – For the latest advice and further details Travel advice by on your rights please visit the following websites: country caa.co.uk and search for ‘travel problems’ We are working with the FCO to help British and dft.gov.uk and search for ‘maritime travellers stay safe overseas. Before you passenger rights’. travel abroad, check out the FCO website www.gov.uk/foreign-travel-advice. You should also refer to the terms and conditions of the carrier you are travelling It is packed with essential travel advice with. and tips, plus up to date information about different countries. Please note – we are not responsible for the content of other websites.
7 Your claim If you need to make a claim please telephone the number shown on page 4 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 27. ®® Contact the Medical doctor to confirm the reason Emergency Helpline before for your claim. returning home. ®® Evidence of your booking and the cancellation. Travel delay after ®® Check that your delay ®® Written confirmation from check-in was over 12 hours before the airline/carrier of the actual See page 30. submitting a claim. date and time of departure and the reason for the delay. Missed departure ®® Do all you can to get to your ®® A repair or assistance report if See page 30. departure point on time. the vehicle you were travelling in broke down or was involved in an accident. Enforced stay ®® Contact your airline/carrier ®® Written confirmation from abroad and they will advise if you the airline/carrier of the actual See page 31. should travel to the airport/ date and time of your return to port to check in at your the UK. specified time. ®® Documentary evidence of costs incurred if you make your own way home. Medical ®® Contact the Medical ®® All medical reports given to emergency Emergency Helpline before you by the treating facility. See page 32. any hospital admission or as soon as possible thereafter. Legal expenses ®® Contact the Legal Expenses ®® We will tell you when you call See page 35. Claims and Advice Helpline if we need anything else to as soon as you are aware of deal with your claim. the incident.
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 37. the airline/carrier within the airline/carrier of the number of timescales stated within their hours delay. terms and conditions. Emergency travel ®® Report incident to the police ®® All receipts for any costs documents as soon as reasonably incurred. See page 38. possible. 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 Insurance Aspects: Travel Insurance Policy Page Section 1 – Policy Summary 10 Keyfacts – Your HSBC Insurance Aspects: Travel Insurance Summary 10 Section 2 – Policy Wording 16 Definitions16 Helpful and important information about this policy 18 General Exclusions 20 General Conditions 22 Your health – cover and exclusions for medical conditions 25 Accepted medical conditions list 25 On your trip 27 Cancelling or coming home early 27 Travel disruption 30 Emergency medical and associated expenses 32 Accidental death and permanent disability 34 Legal expenses and advice 35 Personal liability 36 Your possessions 37 Catastrophe cover 39 Winter sports 40 Your Activities 42 Complaints procedure 44 Compensation45 Further information about your policy 45 HSBC Privacy Overview 45 Aviva Privacy Notice 45
10 ® Section 1 – What are the main benefits, features, exclusions, limits and excesses? Policy Summary ®® Travel Insurance for each HSBC Insurance Aspects holder and his/her This is a summary of the policy and does partner on trips anywhere in the world. not contain the full terms and conditions of Children under 18 (under 23 years of age the cover, which can be found in Section 2 if still in full time education and living of this booklet. It is important that you read at home outside of term time) travelling the full policy wording carefully and keep it with the HSBC Insurance Aspects holder for future reference. or his/her domestic partner are also covered. Who is the insurer? ®® Cover is provided for taking part in The insurer is Aviva Insurance Limited. certain recreational leisure activities where this is the main purpose of the trip. What is HSBC Insurance Aspects: ®® Cover is provided for trips of up to Travel Insurance? 31 days duration including winter This policy is designed to meet certain sports holidays. costs that might arise in the course of your worldwide trips. The table below explains the main benefits, features, exclusions and limitations for each section of your Travel Insurance. Please refer to the terms and conditions for further information. Section What are the What are the Limit per Excess per main benefits and significant or insured insured features? unusual exclusions person person, per or limitations? claim, per trip Cancelling Refund of your own Pre-existing Up to £5,000. £50. or coming personal and non- medical conditions home early recoverable travel and unless listed as Page 27 accommodation costs; an “Accepted or condition” or disclosed to and Proportionate refund accepted by us. of your unused and non-recoverable Any awareness, at accommodation costs the time of booking and, where applicable, your trip, of possible reasonable costs to reasons that return home. could prevent you from travelling or continuing your trip.
11 Section What are the What are the Limit per Excess per main benefits and significant or insured insured features? unusual exclusions person person, per or limitations? claim, per trip Travel Travel Delay after You must have £50 for each Nil. Disruption Check-in checked in at the 12 hours you Page 30 A benefit if your specified time. are delayed up pre-booked transport is to a maximum delayed for more than of £250. 12 hours on your outward journey from the UK. Missed Departures You cannot claim Up to £1,000 Nil. Cover for extra travel the benefit for a for missed and accommodation missed departure departure. costs if you miss your if your trip is solely pre-booked transport. within the UK, Channel Islands or Isle of Man. Any claim for a missed departure for a trip which was not pre-booked before you left the Channel Islands or Isle of Man. Any claim if you have not left sufficient time to reach your destination. Enforced Stay Any payment if you £100 for each Nil. Abroad have not purchased full 24 hours Cover if you are unable a return ticket or that you are to return home on your confirmed your unable to return scheduled return date return date with home up to a due to airport, port or your travel provider maximum of airspace closure. before the claim £1,500. arises. Emergency Cover for emergency Pre-existing Up to £50. Medical and medical treatment and if medical conditions £10,000,000. Associated necessary repatriation. unless listed as Lower limits Expenses an “Accepted apply for some Page 32 condition” or associated disclosed to and expenses. accepted by us.
12 Section What are the What are the Limit per Excess per main benefits and significant or insured insured features? unusual exclusions person person, per or limitations? claim, per trip Accidental Death, loss of limbs/ Sickness, disease, Up to £50,000 Nil. Death or sight or permanent total nervous shock (£1,000 death Permanent disablement following or a naturally benefit if aged Disability an accidental injury. occurring condition under 16). Page 34 or degenerative process. Legal Cover to pursue a civil Any costs before Up to £50,000. Nil. Expenses claim if you suffer your claim has been Page 35 personal injury or death accepted. during your trip. Personal Cover for your legal Claims arising from Up to £50 damage to Liability liability if you cause your job or the use £2,000,000. temporary Page 36 accidental injury or of animals, fire holiday death to third parties, arms, motorised accommodation. or damage to their vehicles, vessels or property. aircraft. Your Delayed Baggage Any incident not Up to £150 Nil. Possessions A benefit to replace reported to the for delayed Page 37 temporarily lost police as soon as baggage. essential items. reasonably possible following discovery Baggage and Up to £1,500 for £50 baggage of the loss or theft. personal money baggage and personal Cover for loss, theft Money or valuables money. Up to £400 for or damage of your not carried in your any individual baggage, personal hand baggage item money or travel whilst you are in documents. transit. Up to £500 for personal Theft claims from money. locked property Emergency Travel or motor vehicles Up to £750 Nil. Documents when there is no emergency Cover for the cost of an evidence of forcible travel document emergency passport and violent entry. expenses. or visa and travel and Theft claims from accommodation costs unattended motor if you cannot use your vehicles unless your return ticket. belongings are left out of view.
13 Section What are the What are the Limit per Excess per main benefits and significant or insured insured features? unusual exclusions person person, per or limitations? claim, per trip Winter Cover for loss, theft Winter sports Up to £500 £50 for Sports Cover or damage to winter equipment left in equipment. equipment. Page 40 sports equipment. a motor vehicle. Up to £200 Also covers additional Damage to hired avalanche benefits for delays due winter sports delay. to avalanche, ski pack, equipment while piste closure or injury or Up to £300 being used. piste closure. illness. Theft claims from Up to £500 ski locked property pack. when there is no evidence of forcible or violent entry. The following are the main influence or effect of alcohol or drugs General Exclusions and Conditions (other than drugs taken under medical that apply to the whole policy supervision and not for treating alcohol Please see the full details on pages 20 to 24. or drug addiction); ® you climbing on to, on top of, or jumping There is no cover for: from any balcony, railing, ledge or wall; or climbing or moving across any ® air miles, loyalty/points based ownership external part of a building or vehicle not schemes, timeshares or similar specifically designed for that purpose. promotions, any course or tuition fees or similar; We can, at any time and after taking a fair ® you using a motorcycle over 125cc and reasonable view, but no more than during the trip, unless this is your mode once in a six month period make changes of transport from the UK, Channel to your policy cover and/or terms and Islands or Isle of Man; conditions of insurance to reflect: ® you using a quad bike, all terrain vehicle or similar on or off road or any claim ® changes in our expectation of the future relating to you driving a motor vehicle cost of providing cover and administering without a valid licence and/or insurance; your policy; ® any costs you have paid for any person ® changes in the law, regulation or taxation not insured under this policy; that affects us or your policy. ® any claim arising from paid or unpaid Changes will be notified to you in writing at manual work or physical labour of any least 30 days before they become effective. kind other than charity or conservation Policy cover may be increased or decreased. work (see further limitations in the Your Activities section); You are free to cancel this policy in ® any claim resulting from you misusing accordance with General Condition 15. or being under the direct or indirect
14 Your health – what do you need (c) Any medical condition for which you to tell us? were on a waiting list, or aware of the Before booking any trip need for, surgery, in-patient treatment or Pre-existing medical conditions are not investigation at a hospital, clinic or nursing covered at any time under this policy unless home. they are shown as “Accepted conditions” in the Your Health section on page 25 or they (d) Any medical condition for which you have been disclosed to and accepted by were not taking the medication prescribed our Medical Risk Assessment team. If you to you. or any insured person on the policy have a condition(s) that is not listed, you must (e) Where you had received a terminal call the Medical Risk Assessment team if, prognosis. in the 12 months prior to booking your trip, (f) Travelling against the advice of a doctor you have: or purposely travelling without medical ®® been prescribed medication and/or advice when it was reasonable for you to have consulted a doctor. ®® received or are awaiting, medical treatment, tests or investigations and/or (g) Travelling with the intention of seeking ®® been referred to or had follow up with a medical treatment. specialist and/or ®® been admitted to hospital or had surgery. How long does my HSBC Insurance Aspects: Travel Insurance run for? After you have booked your trip All cover under this policy will cease You must call the helpline if you or anyone automatically if: insured under the policy are referred to a specialist/consultant or admitted to hospital. 1. the Insurance Aspects holder: Health exclusions ®® Closes the qualifying account. 1. There is no cover for any claim arising ®® Cancels HSBC Insurance Aspects. directly or indirectly from the following: ®® Reaches 70 years of age (on joint accounts cover continues for the other (a) Any medical condition unless it is shown eligible account holders until they reach as an ‘Accepted condition’ or we have been age 70). told about it and we have accepted it in ®® Is no longer a UK, Channel Islands or Isle writing. of Man resident. (b) Any symptoms that you were aware of ®® Is believed to be or reasonably suspected prior to booking a trip that you have sought, by us to be acting fraudulently. but not yet received a diagnosis for.
15 2. HSBC: If you are unhappy with any aspect of the handling of your claim please contact ®® Cancels HSBC Insurance Aspects under one of the reasons set out in the HSBC ®® The Travel Claims Helpline number Insurance Aspects terms and conditions. shown at the front of this booklet; or ®® The HSBC Claims Department Eligibility Aviva Insurance Limited As your circumstances may change over PO Box 432 time, it is important that you review the Chichester terms and conditions of this policy regularly PO19 1QA. to check you remain eligible and that the cover remains adequate for your needs. If your complaint is regarding anything else please contact: Meeting your needs This policy has been designed to meet ®® The Customer Services Helpline number the needs of people who wish to protect shown at the front of this booklet. against costs that could arise in the course of their travels. It covers such things Both HSBC and Aviva are covered by the as cancellations, emergency medical Financial Ombudsman Service, you can find treatment, personal liability, legal expenses their full details on page 44. and the theft of your money. If you have complained to us and we have Your cancellation rights been unable to resolve your complaint, To exercise your right to cancel this policy you may refer it to this independent body. you must contact HSBC to cancel HSBC Following the complaints procedure does Insurance Aspects. If the qualifying account not affect your right to take legal action. remains in force and the HSBC Insurance Aspects continues, this policy will remain Would I receive compensation if Aviva active until the first of the termination were unable to meet their liabilities? events shown above occurs. Aviva is covered by the Financial Services Compensation Scheme (FSCS). How do I make a claim? You may be entitled to compensation Should you need to make a claim under from this scheme if we cannot meet our this policy, please contact the appropriate obligations, depending on the type of helpline shown on page 4. insurance and the circumstances of your claim. Further information about the FSCS How do I make a complaint? arrangements is available from them on We hope you will be happy with the service 0800 678 1100, or by visiting their website that we provide. However, if for any reason www.fscs.org.uk. you are unhappy with it, we would like to hear from you.
16 Section 2 – 2. Guernsey, Alderney, Sark, Herm, Jethou, Brecqhou and Lihou if your home is Policy Wording located on any of these islands. Definitions HSBC Insurance Aspects Holder Wherever the following words or phrases The person(s) named as the account holder appear in bold, they will have the following on the qualifying account. meanings: office-based business travel close business colleague Travel outside the UK if the reason for your Someone you work with in the UK who has trip is to carry out wholly office-based to be in work in order for you to be able to clerical or administrative duties only, which go on or continue a trip. A senior manager do not involve you dealing with members or director of the business must confirm this of the public. Office-based business travel in the event of a claim. is limited to 31 days in any calendar year. close relative partner Your mother, father, sister, brother, partner The person that the HSBC Insurance who lives with you, fiancé(e), daughter, Aspects holder lives with at home in a son, grandparent, grandchild, parent-in-law, domestic relationship, whether married or daughter-in-law, son-in-law, brother-in-law, co-habiting (as if husband and wife or civil sister-in-law, step-parent, step-child, step- partnership), regardless of gender, who is sister, step-brother, aunt, uncle, cousin, under 70 years of age at the start date of nephew, niece, legal guardian or foster child. the trip. doctor period of insurance A registered member of the medical Each trip you make, whilst you hold HSBC profession who is not related to you or Insurance Aspects, will be treated as a anyone you are travelling with. separate period of insurance, individually subject to all policy terms, conditions, excess declarations and exclusions. Cover for each The amount that you will have to pay individual trip applies as follows: towards each claim per insured person, per trip. 1. Cover for cancelling your trip begins from the date of opening HSBC Insurance home Aspects or the date of booking each trip your home address in the UK. (whichever is later) and ends when you leave your home to start your trip. home territory 1. England, Scotland, Wales, Northern 2. Cover under all other sections starts Ireland, Jersey and Isle of Man if your when you leave your home and ends home is located in any of these areas. when you return home (or are repatriated to a hospital in the UK), providing you do not exceed the trip limit.
17 personal money 3. Holidays within the UK, that include Cash (including foreign currency), travellers’ two or more consecutive nights stay in cheques, non-refundable pre-paid event pre-booked holiday accommodation. and entertainment tickets, travel tickets, passports, visas and driving licences. UK England, Scotland, Wales, Northern Ireland, point of international departure Channel Islands and Isle of Man. The airport, port or station from which you will undertake international travel UK resident from or to the UK. If your home is in An insured person who has their Northern Ireland, you are also covered permanent home in the UK. for international travel from or to the Republic of Ireland. valuables Jewellery, costume jewellery, watches, pre-booked holiday accommodation items made of or containing gold, silver, A commercially run premises where a fee is precious metal or precious stones, charged which has been booked prior to the binoculars, hand held games consoles start of your trip, including a pre-booked and equipment, mobile phones, tent or caravan pitch but not including photographic equipment, video cameras, residential properties belonging to friends e-readers, laptops and tablets, or any or family. accessories which are designed to be used with these items. qualifying account The HSBC Advance account from which the we, us, our, insurer monthly Insurance Aspects fee is deducted. Aviva Insurance Limited. Registered in Scotland, no. 2116. Registered office: this policy Pitheavlis, Perth, PH2 0NH. Authorised The HSBC Insurance Aspects: Travel by the Prudential Regulation Authority Insurance. and regulated by the Financial Conduct Authority and Prudential Regulation travelling companion Authority. A person you travel with, without whom you cannot make or continue your trip. winter sports equipment Skis, snowboards, boots, helmets, bindings trips(s) or poles. Journeys beginning and ending in the UK that last no more than 31 days that you, your(s), yourself, insured person are either: The HSBC Insurance Aspects holder, his/ her partner and their dependent children olidays outside the UK; or 1. H who at the start date of the trip are under 18 years of age (under 23 years of age if still 2. Office-based business travel outside in full-time education and living at home the UK; or outside term time).
18 Helpful and important information Children about this policy Dependent children who at the start date of This policy is included with your HSBC the trip are under 18 years of age (under 23 Insurance Aspects. Please read this booklet years of age if still in full time education and carefully, keep it in a safe place and take living at home outside of term time) are it with you when you travel. It gives only covered: you full details of what is covered, what is not covered and the limits, excesses 1. when travelling with the HSBC and conditions of cover. It is the HSBC Insurance Aspects holder or his/her Insurance Aspects holder’s responsibility partner; or to ensure that all insured persons are aware of their responsibility and comply 2. whilst travelling abroad on their own to with all of the policy conditions. If you do stay with close relatives who permanently not comply, we may refuse your claim or live abroad, for the duration of the trip. reduce your cover in the event of a claim. Automatic cover In respect of each trip taken during the The insurance cover automatically applies period of insurance, we will provide for each trip; this means you do not have the cover set out in this policy document to contact us every time you book a trip, provided: unless you need to tell the Medical Risk Assessment Helpline about any change 1. you are an HSBC Insurance Aspects to a previously disclosed medical condition holder and hold a qualifying account; or the diagnosis of a new condition. Please also read ‘Information and changes 2. you are a UK resident; we need to know about’ below. 3. that in order to make any emergency Information and changes we need medical claims or claims for cancellation to know about or coming home early due to medical You must take reasonable care to provide emergencies, you are registered with a complete and accurate answers to the doctor in the UK; questions we ask you. For example before you book a trip or travel, you may need to 4. the trip begins after the date the HSBC tell the Medical Risk Assessment Helpline Insurance Aspects was opened; about medical conditions not shown on the “Accepted conditions” list. After your 5. you have booked your return journey HSBC Insurance Aspects is opened, you before leaving the UK, or if you have an must make sure that you tell the Medical open ticket, you have confirmed your Risk Assessment Helpline if there are any return date with the airline. changes in health. Please see the Your Health section of this policy for full details of what you need to declare.
19 You also need to tell HSBC if you move ®® Increased cover for cancelling your trip address – if this means that you are no or coming home early – where the cost longer a UK resident then all cover under of your holiday is more than £5,000, you this insurance will end. may be able to upgrade to a maximum of £7,500 per person. When we are notified of a change, we will tell you if it affects this policy, for example Automatic extension of cover whether we are able to accept the change If you cannot get back home before your and if so, whether the change will result in cover ends, this policy will remain in force revised terms. If the information provided by as follows: you is not complete and accurate we may: 1. up to 14 days if any vehicle you are 1. revise or amend the medical underwriting travelling in breaks down, or any vehicle, decision(s) for any declared pre-existing vessel, train or aircraft in which you condition(s), which may result in the are booked to travel as a ticket holding accepted condition being excluded; or passenger is delayed or cancelled; or 2. refuse to pay any claim; or 2. for as long as medically necessary where you are claiming for emergency medical 3. not pay any claim in full. treatment under this policy. If you are in any doubt about Information Automatic termination of cover or Changes we need to know about, All cover under this policy will cease please contact us. automatically if: Amendments to your cover 1. The HSBC Insurance Aspects holder: You may be able to upgrade from the standard cover for the extensions shown ®® closes the qualifying account; below. To check if this is possible please ®® cancels HSBC Insurance Aspects; call the Upgrade Helpline number shown ®® reaches 70 years of age (on joint on page 4 before you travel for further accounts cover continues for other information and a quotation. eligible HSBC Insurance Aspects holders until they reach 70 years of age); ®® Extended trip duration – you may be ®® is no longer a UK resident; able to extend an individual trip from the standard 31 days up to a maximum of ®® is believed to be or reasonably suspected 120 days. by us to be acting fraudulently. ®® Golfing cover – cover for loss, damage 2. HSBC cancels HSBC Insurance Aspects or theft of your clubs, and pre-booked under one of the reasons set out in the green fees if you are ill/injured. HSBC Insurance Aspects terms and conditions.
20 If an insured person is on a trip at the consequence has been contributed to by time an automatic termination event occurs, any other cause or event: all cover will cease when the trip ends. (a) War, invasion, act of foreign enemy, Your cancellation rights hostilities or a warlike operation or This policy will remain in force subject operations (whether war be declared to the automatic termination of cover or not), civil war, rebellion, revolution, section above. To cancel this policy you insurrection, civil commotion assuming the must contact HSBC to cancel your HSBC proportions of or amounting to an uprising, Insurance Aspects. military or usurped power. Note: If a joint account holder is not eligible (b) Any action taken in controlling, for the Travel Insurance there will be no preventing, suppressing or in any way refund or reduction of the fee charged for relating to (a) above. the HSBC Insurance Aspects. 2. Claims directly or indirectly caused by: Use of language Unless otherwise agreed, the contractual (a) Ionising radiation or contamination by terms and conditions and other information radioactivity from any nuclear fuel or from relating to this policy will be in English. any nuclear waste from burning nuclear fuel; or Choice of law The law of England and Wales will apply to (b) The radioactive, toxic, explosive or other this policy unless: hazardous properties of any explosive nuclear assembly or part of an assembly; or 1. Y ou and the insurer agree otherwise; or (c) Pressure waves caused by aircraft and 2. At the date of the contract the HSBC other aerial devices travelling at sonic or Insurance Aspects holder is a resident of supersonic speeds. Scotland, Northern Ireland, Channel Islands or the Isle of Man in which case (in the 3. Any claim for your death, injury, illness or absence of agreement to the contrary) the disability resulting from: law of that country will apply. (a) Your suicide or attempted suicide; or General Exclusions and Conditions (These apply to the whole of (b) Your misuse of alcohol or drugs or your your policy) consumption of alcohol or drugs (other than drugs taken under medical supervision and General Exclusions not for treating alcohol or drug addiction) This policy does not cover the following: to an extent which causes immediate or long-term physical or mental impairment, 1. Any consequence whatsoever which is including impairment to your judgement the direct or indirect result of any of the causing you to take action you would not following, or anything connected with normally have taken; or any of the following, whether or not such
21 (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 and conservation work 5. Any loss that is not specifically described (see further limitations in the Your Activities in the stated terms and conditions, e.g. we section); will not pay for loss of earnings if you are unable to return to work due to illness or (e) business travel if your job is not wholly injury during your trip, or any payment an office based role and your trip involves which you would normally have made dealing with members of the public or any 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 crash (h) you climbing on to, on top of, or 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 a crash helmet and appropriate protective 8. Any claim resulting from a tropical clothing. As a rider you must be fully disease where you have not had the licensed and insured to use this vehicle in recommended inoculations and/or taken the the UK. There is no cover for trips taken recommended medication. outside of Europe. (b) you driving any motorised vehicle, unless you are fully licensed to drive such a vehicle in the UK;
22 9. Any claim for: 2. You must be registered with a doctor in the UK to be covered for any emergency (a) management fees, maintenance medical claims or claims for cancellation costs or exchange fees, unused travel or or coming home early due to medical accommodation arranged by using air emergencies. miles, loyalty or points based schemes, timeshares or similar promotions; 3. You must have taken reasonable care to provide complete and accurate answers (b) costs where these are recoverable from to the questions asked when you opened your travel or accommodation provider; HSBC Insurance Aspects and before you book a trip or travel make sure that you (c) costs you have paid on behalf of have told us about any medical conditions persons not insured under this policy; as detailed in the Your Health section on page 20. (d) administration costs charged by your travel and/or accommodation provider in Please note that if you fail to tell the respect of obtaining a refund for unused insurer about any medical conditions this travel and accommodation. could invalidate this policy and could mean that part or all of a claim may not be 10. Any claim because you do not feel like paid. It is therefore very important that you travelling, or you are not enjoying your trip. read the Your Health section in this booklet. 11. Any claim caused by an event for which If the information provided by you is not the dates had been publicly announced complete and accurate, we may amend and/or reported by the media at the time the medical underwriting decision(s) for any of opening HSBC Insurance Aspects or declared pre-existing condition(s) which booking your trip (whichever is later), e.g. may result in an accepted condition being strike, airport closure or flight cancellation. excluded, or refuse to pay any claim, or not 12. You must report any loss or theft to pay any claim in full. the police as soon as reasonably possible If you fail to notify us of any changes to following discovery, and get a written report your health before a trip (as required in the (where it is not possible to obtain a police Your Health section of this booklet) this report you must provide other independent could result in a previously accepted proof of the loss or theft, such as a letter medical condition being excluded. from your transport company, hotel, or resort management). 4. Our right to cancel: HSBC may cancel this policy on our General Conditions behalf by sending at least 30 days written 1. The HSBC Insurance Aspects holder notice to your last known postal and/or must have a qualifying account. email address setting out the reason for cancellation.
23 Valid reasons include, but are not limited to, 6. You must take all reasonable precautions the following: to protect yourself and your property against any accident, injury, theft, loss or (a) where we reasonably suspect fraud; damage. You must take the same level of care as you would if you did not have (b) where you fail to co-operate with this policy. us or provide us with information or documentation we reasonably require and 7. If we make a payment before cover is this affects our ability to assess a claim confirmed and our claims investigation or defend our interests. See the General reveals that no cover exists under the terms Conditions 8, 9, and 11 below; of this policy, you must pay us back any amount we have paid, which you are not (c) where you have not taken reasonable covered for. care to provide complete and accurate answers to the questions we ask as 8. You must tell us as soon as possible required in the ‘information and changes after becoming aware of any circumstances we need to know about’ section in this which may lead to a claim under this policy booklet and General Condition 3; policy. You must also tell us if you are aware of any legal proceedings, summons (d) where HSBC decide to offer this policy or prosecution. You must send us every through an alternative provider as provided communication relating to a claim as soon for in General Condition 17. as reasonably possible. HSBC may also cancel this policy in 9. You, or any person acting for you, must accordance with the HSBC Insurance not negotiate, admit or reject any claim Aspects Terms and Conditions. Please refer without our permission in writing. to this document for further details. 10. We may refuse to pay any expenses for 5. Claims fraud: which you cannot provide receipts or bills. In order to prevent and detect fraud HSBC and the insurer may at any time 11. You or your legal representative must share information about you with other pay for any certificates, information and organisations and public bodies including evidence, which we may need. When there the police. You should show these notices is a claim for injury or illness, we may ask to anyone who has an interest in this policy. for, and will pay for, any insured person to be medically examined on our behalf. If your claim is in any way dishonest or exaggerated we will not pay any costs or 12. If, at the time of an incident which benefits under this policy and we may results in a claim under this policy, there is cancel your insurance immediately and any other insurance covering the same loss, backdate the cancellation to the date of damage, expense or liability, we are entitled the fraudulent claim. We may also report to approach that insurer for a contribution you to the police and/or take legal action towards the claim, and will only pay our against you. share. This condition does not apply to
24 the Accidental Death and Permanent When doing so we will only consider one or Injury benefit or Medical Inconvenience more of the following: benefit under the Emergency Medical and Associated Expenses section. (a) our experience and expectations of the cost of providing this product and/or other 13. We are entitled to take over and carry Aviva products of a similar nature; out in your name the defence or settlement of any legal action. We may also take (b) information reasonably available to proceedings at our own expense and for us on the actual and expected claims our own benefit, but in your name, to experience of insurers of similar products; recover any payment we have made under this policy to anyone else. (c) widely available economic information such as inflation rates and exchange rates. 14. If you make a medical claim you may be asked to provide consent to Additionally, we can, at any time and after enable us to access your medical records. taking a fair and reasonable view, make This will help the treating doctors, and us, changes to the terms and conditions of to provide you with the most appropriate this policy: treatment and assess whether cover (a) to reflect changes (affecting us or applies. If you do not agree to provide this policy) in the law or regulation or this we will not deal with your claim. the interpretation of law or regulation, 15. Following the expiry of your statutory or changes in taxation; cooling off period (14 days commencing (b) to reflect decisions or recommendations on the date you take out the account or of an Ombudsman, regulator or similar the date on which you receive the policy person, or any code of practice, with which documents (whichever is the later)), you we intend to comply; continue to have the right to cancel this policy at any time by contacting HSBC, but (c) in order to make this policy clearer and no refund of any fees payable in respect of fairer to you or to rectify any mistakes that HSBC Insurance Aspects will be available. may be discovered in due course. 16. We can, at any time and after taking a Changes (together with the reasons for fair and reasonable view, but no more than such changes) will be notified to you in once in any 6 month period make changes writing at least 30 days in advance. to the terms and conditions of this policy, to reflect changes in our expectations of 17. HSBC may cancel this policy on our the future likely cost of providing cover. behalf and may offer cover with another Policy cover may increase or decrease, but provider. If this happens HSBC will contact the changes will not be made for the sake you by sending 30 days’ notice to your last of recouping past losses. known postal and/or email address.
25 Your health – When do you need to tell us? ®® Before booking any trip cover and exclusions If you wish us to consider covering medical for medical conditions conditions you have that are not shown on the ‘Accepted conditions’ list, you need Please read this section carefully to contact us before booking any trip. This policy is not a general health or private medical insurance policy and will When you call us, we will assess your only cover sudden and unexpected illness medical condition(s) and tell you whether or accidents. or not we are able to cover the condition(s). Medical Condition means: ®® After booking a trip but before travelling Any illness, disease or injury that you have had in the 12 months prior to booking a If after the trip has been booked you trip(s) where you have: are referred to a specialist/consultant or admitted to hospital, you will be covered for ®® been prescribed medication and/or cancellation of your trip. ®® received or are awaiting, medical treatment, tests or investigations and/or If you still wish to travel you must call us ®® been referred to, or had follow up with a and we will tell you if we are able to cover specialist and/or your medical condition(s) during the trip. If we are unable to cover your medical ®® been admitted to hospital or had surgery. condition(s) but you still wish to go on the What do you need to tell us? trip, we will not cover any claim relating to If an insured person has any medical that condition. condition other than those shown as an If you booked your trip before opening ‘Accepted condition’ on page 21 and you your account, you should call us as soon wish us to consider covering the medical as possible to find out if your medical condition(s), you need to call us on condition(s) can be covered for the pre 08000 517 142. booked trip. Please note – medical conditions are not Accepted conditions covered by this policy unless: If these are the only medical conditions ®® you only have ‘Accepted conditions’ you have and none of the restrictions or the shown on page 21; or Health exclusions listed below apply, you ®® we have been told about them and have will be automatically covered by this policy confirmed in writing that they have been and we do not need to know about them. accepted.
26 However, if you have a medical condition ®® Irritable bowel syndrome (IBS) that is not on the list, or the restrictions/ ®® Joint replacement exclusions apply to you, you must tell us ®® Macular degeneration about all medical conditions you have, ®® Migraine (confirmed diagnosis, no including any shown on the list below. ongoing investigation) If you are in any doubt please call us on ®® Minor infections (treated with no more 08000 517 142. than one course of antibiotics) ®® Osteoporosis ®® Allergy/Anaphylaxis (no hospital ®® Peptic ulcer admissions in last two years) ®® Polymyalgia rheumatica ®® Arthritis (no back or neck problems) ®® Psoriasis ®® Asthma (no nebulisers or oxygen at ®® Retinopathy (not a link to diabetes) home and no hospital admissions in the ®® Sinusitis last 12 months) ®® Soft tissue injury/tendon injury/sprain ®® Benign prostatic enlargement ®® Tinnitus ®® Broken bone/fracture (not head or spine) ®® Tonsillitis ®® Cataracts ®® Vertigo ®® Chicken pox ®® Constipation Health exclusions ®® Common cold/influenza 1. There is no cover for any claim arising ®® Cystitis directly or indirectly from the following: ®® Diabetes (no complications for example (a) Any medical condition unless it is retinal, kidney or nerve damage) shown as an ‘Accepted condition’ or we ®® Diarrhoea and/or vomiting have been told about it and we have ®® Dislocated joint following a knee/hip accepted it in writing. replacement ®® Eczema/dermatitis (b) Any symptoms that you were aware of, ®® Essential tremor prior to booking a trip, for which you have ®® Fungal nail infection sought but not yet received a diagnosis for. ®® Gastric reflux (c) Any medical condition for which you ®® Glaucoma were on a waiting list, or aware of the ®® Gout need for, surgery, in-patient treatment or ®® Haemorrhoids investigation at a hospital, clinic or nursing ®® Hayfever home. ®® Hernia (d) Any medical condition for which you ®® High/low blood pressure were not taking the medication prescribed ®® High cholesterol to you. ®® Hypothyroidism (underactive thyroid) ®® Impetigo
27 (e) Travelling against the advice of a doctor or purposely travelling without medical On your trip advice when it was reasonable for you to Cancelling or coming home early have consulted a doctor. If you unavoidably have to cancel your trip or come home early, we will pay for the (f) Travelling with the intention of seeking following: medical treatment. ®® non recoverable costs that each insured European Health Insurance Card (EHIC) person has paid, or legally has to pay for (Residents of England, Scotland, Wales their own unused personal travel and/or and Northern Ireland only) accommodation. This also includes the If you are travelling to countries in the cost of pre-paid excursions; and/or European Union, Iceland, Liechtenstein, Norway or Switzerland we strongly advise ®® additional travel costs (if you cannot that you take an EHIC with you. You can use your return ticket), and/or obtain information or apply online at accommodation costs (of a similar nhs.uk and search for Healthcare abroad. standard you had booked for your The EHIC is free and should be completed trip) necessary to allow you to come and validated before you travel. home early. This will allow you to benefit from the The most we will pay for each insured reciprocal health arrangements which exist person is: with these countries. You should take ®® £5,000 for personal travel and reasonable steps to use these arrangements accommodation costs; where possible. ®® £250 for excursions. Medicare (Residents of England, Wales, Scotland If you are unable to recover these costs and Northern Ireland only) from the provider. If you require medical treatment in If one of the following occurs: Australia, you must enrol with a local Medicare office. You do not need to enrol 1. you are injured, fall ill, are quarantined on arrival but you must do this after the or die. first occasion you receive treatment. In-patient and out-patient treatment at 2. a close relative, close business a public hospital is then free of charge. colleague, or the person you were going Details of how to enrol and the free to stay with is seriously injured, falls treatment available can be found at seriously ill or dies. humanservices.gov.au by searching for Medicare forms. 3. your home is badly damaged by explosion, fire, landslide, flood or severe/ adverse weather.
28 4. the police need to speak to you because (c) your accommodation is directly affected your home or place of work has been by a food poisoning outbreak, or the area burgled. in which you are staying is affected by pandemic or epidemic influenza; 5. severe/adverse weather prevents you from leaving your home, reaching your (d) a major incident such as a terrorist point of international departure or your attack happens within a 50 mile radius of pre-booked holiday accommodation in the area in which you will be/are staying the UK. and you do not wish to travel or you wish to return home early. 6. delay or cancellation of your pre-booked transport prevents you from leaving the UK 9. your transport operator, accommodation on your outward journey, and the carrier provider or their booking agents become or their handling agent is unable to provide insolvent. suitable alternative travel arrangements within 24 hours of the date and time of the 10. you are denied boarding because there scheduled departure as shown on your are too many passengers for the seats ticket/itinerary. available and no suitable alternative flight could be provided within 12 hours. 7. you are a member of the Armed Forces, Police, Ambulance, Fire, Nursing Services or You can also cancel your trip if one of the an employee of a Government Department following occurs: and authorised leave is cancelled due to an unexpected posting or a major incident in (a) you are made redundant; the UK. (b) you are called for jury service or as a 8. you are prevented from travelling within witness in a court of law during your trip. 31 days of your scheduled departure date You will also be covered if your travelling or have to come home early because: companion has to cancel the trip or come (a) an avalanche, earthquake, explosion, home early for one of the reasons listed fire, landslide, flood or severe/adverse above. weather renders your accommodation Special Conditions uninhabitable or unreachable; (a) All claims resulting from illness, injury, (b) a Foreign and Commonwealth Office quarantine or death must be supported advisory notice is in place advising against by medical reports, or a death certificate all travel or all but essential travel to your (or both). Medical reports must be obtained destination or, the FCO are advising British at the time of the incident and indicate citizens to leave the area in which you the necessity to cancel the trip or come are staying. home early. Or you choose not to travel or continue your trip because:
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