Your Worldwide Travel Insurance - Policy Summary and Policy Wording - HSBC Premier Policy Number: 011012
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Your Worldwide Travel Insurance Policy Summary and Policy Wording – HSBC Premier Policy Number: 011012 Please take time to read this booklet as it contains important information. To help you understand what you are covered for at a glance – we’ve highlighted some common questions such as: • who is covered by the policy? • do I need to tell you that I am 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? Further details are on page 2.
2
Welcome to your HSBC Travel Insurance
Please take time to read this booklet as it contains important information. To help you understand what you
are covered for at a glance – we’ve highlighted some common questions below. If you have a question and
cannot find the answer either below or in the policy wording, please contact Customer Services.
Who is covered by this policy? What upgrades are available on
Cover is for you, the account holder, your this policy?
domestic partner (providing you are both under 70 The following upgrades may be available for an
years of age at the start date of your trip), and your additional cost: extended trip duration up to a
children travelling with you if they are under 18 maximum of 120 days; increased cancellation
years of age (or under 23 if in full time education cover to £7,500 per person; increased cover
and living with you outside of term time). for golf equipment and fees; and also cover for
All insured persons must be residents of the UK, medical emergencies if you wish to scuba dive
Channel Islands or Isle of Man. to a depth of 30 metres. For further information
please see page 13.
Do I need to tell you that I am
travelling? Are holidays in the UK covered?
Yes. Holidays in the UK, Channel Islands or
No. As long as you have told us about any relevant
Isle of Man need to involve a stay of at least
pre-existing medical conditions you do not need to
2 consecutive nights in pre-booked holiday
register with us or tell us that you are travelling.
accommodation. Please see our definition of ‘pre-
Do you need to know about any booked holiday accommodation’ on page 11.
medical conditions? Are winter sports holidays covered?
Yes. Please call the Medical Risk Assessment Yes. Winter sports holidays are covered for up to a
Helpline to tell them if you, or any other insured maximum of 31 days in any calendar year. Please
persons have received advice, medication or see the full details of what’s covered on page 23.
treatment for any serious, chronic or recurring
illness, injury or disease, which includes Are business trips covered?
investigations or referrals for any undiagnosed Yes. If you travel outside of the UK to carry out
conditions. Failure to disclose before booking office-based clerical or administrative duties you
trips or travelling will result in no cover for claims are covered up to a maximum of 31 days in any
arising from undisclosed conditions. See the ‘Your calendar year. We do not cover any other type of
Health’ section on page 17 for full details of when business travel even if you have some free leisure
and what you must declare. time during your trip.
Do you need to know if any travel Can I claim for cancellation of my
plans are reliant on the health of trip if I have a problem with my
a travelling companion or a close travel documents eg, my passport is
relative not insured by this policy? out of date/not arrived in time or visa
Yes. You must tell us if any another person you is invalid?
plan to travel with or a close relative (whether
No. There is no cover under this policy for
travelling or not) has any serious illness, injury or
problems with your travel documents before you
disease. See the ‘Your Health’ section on page 17
leave. If your passport is lost, stolen or damaged
for full details of when and what you must declare.
once you are abroad there is cover to help you in
What is the maximum trip length? this situation. Please see the Emergency Travel
Document Expenses section on page 35.
Trips should be no longer than 31 days and must Before you book a trip, check the entry
start and end in the UK, Channel Islands or Isle requirements of the country you intend to visit
of Man. However, when booking your trip, you with the local government embassy and/or the
may be able to purchase an upgrade to cover an Foreign & Commonwealth Office website
extended duration. fco.gov.uk/knowbeforeyougo.
How do I make a claim?
To make a claim please call the relevant number
on page 3 and refer to the information on page 5.3
Travel Insurance Helplines
Medical Risk Assessment 01243 218424
You must tell us about pre-existing conditions. Lines open: 8am to 9pm everyday except
Please refer to the Medical Declaration on page 17 Christmas Day, Boxing Day and New Years Day.
in this policy booklet.
24-hour Medical Emergency Assistance Outside the UK
If you are injured or fall ill while you are away, contact (+44) 1243 621160
this helpline.
Within the UK
01243 621160
Lines open: 24 hours a day, 365 days a year.
Customer Services 03457 707070
Use this number for all general policy enquiries. Textphone 03457 125563
Policy documentation is available in large print, audio
and Braille. If you require any of these formats please Lines open: 24 hours, 365 days a year.
contact us.
Travel Claims Outside the UK
Use this number to report any travel claims, which are (+44) 1243 621407
not as a result of a medical emergency.
Within the UK
01243 621407
Lines open: Mon to Thu (8am to 6pm),
Fri (8am to 5.30pm).
Legal Expenses Claims and Advice 01603 208533
Use this number to report any legal expenses claim
or if you require advice for any personal legal problem Lines open: 24 hours a day, 365 days a year.
that may lead to a claim under the policy.
Travel Assistant Outside the UK
This helpline can assist you with a wide range of travel (+44) 1243 621162
advice before and while you are away. Please do not
Within the UK
call this number for policy queries or claims.
01243 621162
Lines open: 24 hours a day, 365 days a year.
Policy Upgrades 0800 328 1562
Additional covers may be available to extend your trip
duration, increase cancellation cover, add cover for golf Lines open: Mon to Fri (9am to 5pm).
equipment and fees and extend cover for scuba diving
up to 30 metres.
For our joint protection and training purposes calls may be recorded and/or monitored.4
Travel Assistant Helpline Foreign and
This service can help you sort out all kinds of travel
problems before you go, and while you are away,
Commonwealth Office
from providing information on the countries you are (FCO) – Travel Advice
visiting to sorting out non-medical emergencies.
Advice before you travel:
by Country
• any visa and entry permits you may need;
• any necessary vaccination and inoculation
requirements, and where you can get them;
• what you should take with you regarding first aid
and health;
As a partner in the Know Before You Go campaign,
• what currencies and travellers’ cheques to take we are working with the FCO to help British
with you, and what the current exchange rates are; travellers stay safe overseas. Before you travel
• the languages spoken, time zones, bank holidays overseas, check out the FCO website
and climate of countries you plan to visit; and www.gov.uk/knowbeforeyougo.
• import and export allowances for tourists. It is packed with essential travel advice and
While travelling: tips plus up-to-date information about different
countries. We are not responsible for the content
• how to replace lost or stolen passports, driving of other websites.
licences, air tickets, or other travel documents;
Please note this policy does not provide cover
• how to trace your luggage with the airline for cancellation or abandonment if you decide not
operator if it is delayed or lost; to travel or continue a trip because the FCO have
• why, how, where and when you should contact issued advice against all travel or all but essential
local Embassies or Consulates; travel to a particular country. In the event of such a
• how to transfer money out to you if you need it; Travel Advisory being issued for your destination,
you should always contact your tour operator/travel
• cancellation of credit cards if lost or stolen, and
agent in the first instance.
helping you to report the loss to your card provider;
and If you cannot rearrange your travel and you want
to continue with your trip, you will have the full
• provide information to close relatives, friends or
benefit of your insurance, so long as you comply
employers if you have to go into hospital.
with the advice of the local authorities, for example
Other emergency services while travelling: by observing curfew restrictions and avoiding
• A ‘phone home’, translation and interpretation public gatherings or demonstrations and you do
service if you need it in an emergency. not put yourself in danger. Specifically please note
General Exclusions 1 and 4 on page 14.
Please note there is no charge for the provision of
the advice, guidance and other emergency services
while travelling shown above. However, if you Air and Maritime
wish us to obtain goods or services on your behalf
that are not covered by a claim under this policy, Passenger Rights
you will need to pay any fees the provider charges For the latest advice and further details on your
and you will need to adhere to the provider’s terms rights please visit the following websites:
and conditions.
www.caa.co.uk and search for travel problems
www.dft.gov.uk and search for maritime
passenger rights
You should also refer to the terms and conditions
of the carrier you are travelling with. We are not
responsible for the content of other websites.5
Your Claim
Call the number shown on page 3 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 Trip • Check that the reason for cancellation • For medical claims, we will send a
– see page 25 is covered. medical certificate for completion by
the patient’s doctor to confirm the
reason for cancellation.
• Evidence of your booking and the
cancellation.
Missed International • Do all you can to get to your point of • A repair or assistance report if the
Departure international departure on time. vehicle you were travelling in broke
– see page 26 down or was involved in an accident.
Delayed Departure • Check that your delay was over 12 • Written confirmation from the carrier/
after check in hours before submitting a claim. agent of the actual date and time of
– see page 27 departure and reason for your delay.
Abandonment • Contact the Medical Emergency • For medical claims, a medical
– see page 27 Assistance helpline before returning report confirming the reason for
home. abandonment.
Emergency Medical • Contact the Medical Emergency • All medical reports given to you by
and Associated Assistance helpline before any hospital the treating facility.
Expenses admission or as soon as possible
– see page 29 thereafter.
Enforced Stay Abroad • Contact your airline/carrier and they • Written details from the airline /carrier
– see page 31 will advise if you should travel to the of the actual date and time of your
airport/port to check in at your specified return to the UK.
time. • Documentary evidence of costs if
you make your own way home.
Legal Expenses • Contact the Legal Expenses Claims • We will tell you when you call if we
– see page 32 and Advice helpline as soon as you are need anything else to deal with your
aware of an incident. claim.
Delayed Baggage • Give written notice of the claim to the • Written confirmation from the carrier
– see page 35 carrier or their handling agent within of the number of hours delay.
any timescales stated in their terms
and conditions.
Emergency Travel • Report incident details to the police • All receipts for costs incurred.
Document Expenses within 24 hours of discovery.
– see page 35
Baggage and Personal • Take all reasonable steps to recover • A “Property Irregularity Report”
Money lost or stolen property/money. from the carrier and your baggage tag
– see page 35 and 36 • Report incident details to the police receipts.
within 24 hours. • Proof of purchase for the lost, stolen
• Report the loss/damage to the carrier or damaged items.
or their handling agent within any • Proof that you owned the money and
timescales stated in their terms and its value.
conditions. • A written report from the police or
• Do not dispose of damaged items. any other relevant authority.6 Guide to your HSBC Travel Insurance Policy Page Section 1 – Policy summary 7 Keyfacts – your Worldwide Travel Insurance Policy summary 7 Other Important Information about your policy 9 Section 2 – Policy 11 Definitions11 General Exclusions 14 General Conditions 15 Fraud Prevention 16 Your health 17 Medical Declaration 17 Your activities 18 Leisure Activities, Activity Based Holidays and Winter Sports Activities 18 Winter Sports Cover 23 Before you leave home 25 Cancelling Your Trip 25 On your trip 26 Missed International Departure 26 Delayed Departure after check in 27 Abandonment27 At your destination 29 Emergency Medical and Associated Expenses 29 Personal Accident 30 Personal Liability 31 Enforced Stay Abroad 31 Legal Expenses and Advice 32 Hijack 34 Mugging34 Catastrophe Cover 34 Pet Care 34 Your possessions 35 Emergency Travel Document Expenses 35 Personal Money 35 Delayed Baggage 35 Baggage 36 Complaints Procedure 37 Compensation37
7
®
Section 1 – Policy Summary
This is a summary of the policy and does not contain the full terms and conditions of the cover, which can be
found in Section 2 of this booklet. It is important that you read the full policy wording carefully and keep it for
future reference.
Who is the insurer? What is HSBC Travel Insurance?
The insurer is Aviva Insurance Limited. HSBC Travel Insurance is designed to meet certain costs that
might arise in the course of your worldwide trips.
What are the main benefits, features, exclusions, limits and excesses?
Section What are the main What are the significant Limit Excess
benefits and features? or unusual exclusions or per person per person
limitations?
Cancelling Refund of your own Pre-existing medical £5,000 £50
Your Trip personal and non- conditions, unless
recoverable travel and disclosed to and accepted
accommodation costs. by us.
Any awareness of possible
reasons that could prevent
you from travelling at time
of opening your HSBC
Premier account or booking
trip (whichever is later).
Missed Cover for extra travel Any awareness of possible £1,000 Nil
International and accommodation reasons that could prevent
Departure costs if you miss your you from travelling at time
international departure of opening your HSBC
from or to the UK, Premier account or booking
Channel Islands or Isle of trip (whichever is later).
Man. If you choose to abandon
your trip.
Delayed Cover if the scheduled Any awareness of possible £50 each 12 Nil
Departure public transport on reasons that could prevent hours to a max.
after check in which you are booked to you from travelling when £250
travel from or to the UK, booking trips. OR
Channel Islands or Isle of Travel delay or
Man is delayed. £5,000 for £50
abandonment claims for abandonment
OR any internal domestic after 24 hours
You can choose to abandon departures with the
your trip if the delay is for exception of departures
more than 24 hours on to and from the Channel
your outward journey. Islands or Isle of Man.
Abandonment Proportionate refund Pre-existing medical £5,000 £50
of your unused and conditions, unless disclosed
non-recoverable to and accepted by us.
accommodation costs Any awareness of possible
and, where applicable, reasons that could prevent
reasonable costs to return you completing your trip at
home. the time of booking.8
Section What are the main What are the significant Limit Excess
benefits and features? or unusual exclusions or per person per person
limitations?
Emergency Cover for emergency Pre-existing medical £10,000,000 £50
Medical and medical treatment and, if conditions, unless Lower limits
Associated necessary, repatriation. disclosed to and accepted apply for some
Expenses by us. associated
expenses.
Personal Death or loss of limbs/ Sickness, disease, £50,000 (£1,000 Nil
Accident sight or permanent total nervous shock or a for death if aged
disablement following naturally occurring under 16).
accidental injury. condition or degenerative
process.
Personal Cover if you cause Claims arising from your £2,000,000 £100 if
Liability accidental injury or death job or the use of animals, temporary
to third parties or damage firearms, motorised accommodation
to their property. vehicles, vessels or
aircraft.
Enforced Stay Cover if you are unable Any payment if you have £100 each Nil
Abroad to return home on your not purchased a return 24 hours to a
scheduled return date due ticket or confirmed your max. £1,500
to strike, adverse weather return date with your OR
or airport/airspace closure. travel provider before the
claim arises. £1,000 towards
cost to return
home.
Legal Cover to pursue a civil Any costs incurred before £50,000 Nil
Expenses claim if you suffer your claim has been
personal injury or death accepted.
during your trip. Claims registered more
than 180 days after the
incident occurred.
Personal Cover for loss or theft of Any incident not reported £500 £50
Money your personal money or to the police within 24 Limits: £300
travel documents. hours of discovery. cash or bank
Money or valuables not notes.
carried in your hand
Baggage Cover for loss, theft or baggage whilst you are in £1,500 £50
Cover damage to your personal transit. Limits: total
belongings. valuables £400
Theft claims from locked
property or motor (£300 limit for
vehicles when there is no single articles).
evidence of forcible and
violent entry.
Winter Sports Cover for loss, theft or Winter sports equipment £500 equipment £50 equipment
Cover damage to winter sports left in a motor vehicle. £200 avalanche
equipment. Also covers Theft claims from locked delay
additional benefits for property when there is no £300 piste
delays due to avalanche, evidence of forcible and closure
ski pack, piste closures or violent entry. £300 ski pack
injury or illness.9
The following are some of the General Exclusions and Conditions
that apply to the whole policy.
Please see the full details on pages 14 and 15.
There is no cover for:
• air miles, loyalty/points based ownership • any claim resulting from your misuse or
schemes, timeshares or similar promotions. consumption of alcohol or drugs (other than
• you using a motorcycle over 125cc during the trip, drugs taken under medical supervision and not
unless this is your mode of transport from the UK, for treating alcohol or drug addiction) to an extent
Channel Islands or Isle of Man. which causes immediate or long term physical or
mental impairment, including impairment to your
• you using a quad bike, all terrain vehicle or similar judgement causing you to take actions you would
on or off road or any claim relating to you driving not normally have taken, or any exacerbation or an
a motor vehicle without a valid licence and/or accepted medical condition caused by your misuse
insurance. or alcohol or drugs.
• any costs you have paid for any person not • you sitting on any balcony railing; jumping from
insured under this policy. or climbing on or over any balcony, railing, ledge or
• any claim arising from paid or unpaid manual work wall, regardless of its height.
or physical labour of any kind (other than Charity
or Conservation work shown in the Activity Based
Holidays section).
We can, at any time and after taking a fair and reasonable view, make changes to your
policy cover and/or terms and conditions of insurance to reflect:
• changes in our expectation of the future cost of providing cover and administering your policy.
• changes in the law, regulation or taxation that affects us or your policy.
Changes will be notified to you in writing at least 30 days before they become effective.
Policy cover may be increased or decreased.
Pre-existing medical conditions – important declarations you need to make
Pre-existing medical conditions are not covered at You must also call the Medical Risk Assessment
any time under this policy unless they have been Helpline if any insured person knows of:
disclosed to and accepted by our Medical Risk 1. a close relative or close business associate
Assessment Helpline. It is important that you read whether travelling with you or not; and/or
and fully understand the Medical Declaration in this
booklet on page 17. 2. a travelling companion or person you plan to stay
with;
You must call the Medical Risk Assessment
Helpline, if at the time of opening your HSBC who has a serious illness, injury or disease which
Premier account or when booking any trip could affect your decision to take or continue a trip.
(whichever is later), any insured person: Between booking a trip and paying any balance
1. has received advice, medication or treatment for or the departure date (whichever is later), you
any serious, chronic or recurring illness, injury or must call the Medical Risk Assessment Helpline
disease in the last 12 months if any insured person, or anyone upon whose
good health the trip depends, has been referred
2. is under investigation or awaiting results for any to a Consultant/Specialist or been admitted to
diagnosed or undiagnosed medical condition hospital. Cancellation cover will apply, however,
3. is on a waiting list for, or aware of the need if you still wish to travel, the Medical Risk
for, in-patient treatment for any diagnosed or Assessment Helpline will advise if cover will
undiagnosed medical condition apply while on the trip.
4. has received a terminal prognosis As this HSBC Worldwide Travel Insurance is part of
5. travels against the advice of a doctor or your HSBC Premier account, subject to you being
purposely travels without medical advice when it an account holder, cover will continue as long as you
would have been reasonable to have consulted a remain eligible for cover (see ‘How long does my HSBC
doctor Travel Insurance run for’). You must tell the Medical
Risk Assessment Helpline about any deterioration
in the status or control of any condition previously
declared or if you or anyone upon whose good health
the trip depends develops another medical condition.10
How long does my HSBC Travel How do I make a claim?
Insurance run for? Should you need to make a claim under this policy,
The policy will remain in force until the first of the please contact the appropriate helpline shown on
following automatic termination events occur – page 3.
The account holder:
How do I make a complaint?
• closes the HSBC Premier account
We hope you will be very happy with the service
• reaches 70 years of age (on joint accounts cover that we provide. However, if for any reason you
continues for other eligible account holder(s) until are unhappy with it, we would like to hear from
they reach age 70) you. In the first instance please contact the Claims
• is no longer a UK, Channel Islands or Isle of Man or Customer Service Helpline on page 3. Aviva
resident is covered by the Financial Ombudsman Service.
• is believed to be or reasonably suspected by us If you have complained to us and we have been
to be acting fraudulently. unable to resolve your complaint, you may refer it
to this independent body. Following the complaints
• HSBC cancels the Premier account in accordance procedure does not affect your right to take legal
with the rights set out in the HSBC Premier action.
account terms and conditions.
Would I receive compensation if
Eligibility Aviva were unable to meet their
As your circumstances may change over time, it is
important that you review the terms and conditions
liabilities?
of your Travel Insurance regularly to check Aviva is a member of the Financial Services
you remain eligible and that the cover remains Compensation Scheme (FSCS). You may be
adequate for your needs. entitled to compensation from this scheme if
we cannot meet our obligations, depending
Your Cancellation Rights on the type of insurance and the circumstances
You have a statutory 14 day period in which to of your claim. Further information about the
close your HSBC Premier account. This period FSCS arrangements is available from them
begins on the date you opened the HSBC Premier on 0800 678 1100, or by visiting their website
account or when you receive your Travel Insurance www.fscs.org.uk, or write to: Financial Services
policy document, whichever is later. To exercise Compensation Scheme, 10th Floor, Beaufort
the right to cancel this Travel Insurance the HSBC House, 15 St Botolph Street, London EC3A 7QU.
Premier account must be closed. If it is not closed Residents of the Channel Islands and Isle of
the Travel Insurance will remain active until the first Man – Please note that sales of HSBC’s General
of the automatic termination events shown above Insurance products in the Channel Islands and
occur. Isle of Man do not fall within the jurisdiction of
To exercise your right to cancel, please contact the Financial Conduct Authority, the Prudential
your HSBC Premier Relationship Manager. Regulatory Authority, the Financial Ombudsman
Service or the Financial Services Compensation
Scheme. Local regulations apply. For further details
please contact your local branch.11
Section 2 – Policy Cover partner
The person that the account holder lives with at
home in a domestic relationship, whether married
Definitions or cohabiting (as if husband and wife), regardless
Wherever the following words or phrases appear in of gender, who is under 70 years of age at the
bold, they will have the following meanings. start date of the trip.
abandon/abandonment period of insurance
Returning to the UK before your scheduled Each trip you make, whilst the HSBC Premier
return date (including being repatriated by us to a account is in force, will be treated as a separate
hospital), or being an in-patient in hospital for more period of insurance; individually subject to all policy
than 24 hours during your trip. terms, conditions, declarations and exclusions.
account holder Cover for each separate trip applies as follows:
Any person named as an account holder on the • Cancellation cover begins from the date of
HSBC Premier account who is under 70 years of opening the HSBC Premier account or the date of
age at the start date of the trip. booking each separate trip (whichever is later) and
close business associate ends when you leave your home to start your
Someone you work with in the UK who has to trip.
be in work in order for you to be able to go on or • Cover under all other sections starts when you
continue a trip. A senior manager or director of the leave your home and ends when you return home
business must confirm this in the event of a claim. providing that you do not exceed the trip limit.
close relative The maximum time you can spend outside of the
Your mother, father, sister, brother, marital/civil UK in any calendar year is 183 days in total.
or domestic partner who lives with you, fiancé(e), permanent total disablement
daughter, son, grandparent, grandchild, parent-in- A permanent and total disability that means you
law, daughter-in-law, son-in-law, brother-in-law, cannot do any kind of job.
sister-in-law, step-parent, step-child, step-sister,
step-brother, aunt, uncle, cousin, nephew, niece, personal money
legal guardian or foster child. Cash (including foreign currency), travellers’
cheques, non-refundable pre-paid event and
doctor entertainment tickets, travel tickets, passports and
A registered member of the medical profession driving licences.
practising in the UK who is not related to you or
anyone you are travelling with. point of international departure
The airport, port or station from which you will
excess/excesses undertake international travel from or into the UK.
The amount(s) that you will have to pay towards
each claim per insured person per section. pre-booked holiday accommodation
A commercially run premises where a fee is
home charged which has been booked prior to the
The account holder’s home address in the UK. departure of your trip, including a pre-booked
home territory tent or caravan pitch but not including residential
• England, Scotland, Wales, Northern Ireland, properties belonging to family or friends.
Jersey and Isle of Man if your home is located in reasonable care
any of these locations You must take all reasonable precautions to
• Guernsey, Alderney, Sark, Herm, Jethou, protect yourself and prevent accidents, theft,
Brecqhou and Lihou if your home is located on loss or damage. You must take the same level of
any of these islands care as you would take if you did not have this
insurance.
loss of one or more limbs
The loss of your hand or foot at or above the wrist total loss of sight
or ankle, or the total and permanent loss of use of Complete and permanent loss of sight.
your entire hand, arm, foot or leg. travelling companion
office-based business travel A person you travel with, without whom you
Travel outside the UK if the reason for your cannot make or continue your trip.
journey is to carry out wholly office-based clerical trip(s)
or administrative duties only, which do not involve Journeys beginning and ending in the UK that last
you dealing with members of the public. no more than 31 days that are either:
Office-based business travel is limited to a • holidays outside the UK or
maximum of 31 days in any calendar year. • office based business travel outside the UK or
• holidays within the UK, that include two or more
consecutive nights stay in pre-booked holiday
accommodation.12
Important Notes: Helpful and Important Information
1. Cover for winter sports holidays is limited to 31 about your insurance
days in total in any calendar year.
This HSBC Worldwide Travel Insurance is included
2. Cover for office based business travel is with your HSBC Premier account. Please read this
limited to 31 days in total in any calendar year. booklet carefully, keep it a safe place and take it
UK with you when you travel. It gives you full details
England, Scotland, Wales, Northern Ireland, of what is covered, what is not covered, and the
Channel Islands and Isle of Man. limits, excesses and conditions of cover. You must
UK resident comply with all of the policy conditions. If you do
An insured person whose main home is in the not comply, we may refuse your claim or reduce
UK, who is registered with a doctor in the UK and your cover in the event of a claim.
who is liable to pay taxes in the UK. You must We will insure you against loss, damage, legal
have been resident in the UK for at least 6 months liability, illness or bodily injury, which may happen
before the HSBC Premier account was opened or during the period of insurance providing:
the trip was booked (whichever is later). 1. the account holder has a HSBC Premier
unattended account.
When you are unable to prevent unauthorised 2. you are a UK resident
interference with, or theft of your property, unless
it is left in a locked room or safe. Property left in a 3. the trip begins after the date the HSBC Premier
motor vehicle is unattended unless the vehicle is account was opened
locked and the items are placed out of view in an 4. the journey is a round trip beginning and ending
enclosed storage compartment, boot or luggage in the UK that lasts no more than 31 days, unless a
space. trip extension upgrade has been purchased prior to
valuables the start of your trip
Jewellery, costume jewellery, watches, items 5. you have booked your return journey when
made of or containing gold, silver, precious metal travelling outside of the UK
or precious stones, binoculars, hand held games 6. the journey is either:
consoles and equipment, mobile phones, audio
a. a holiday outside the UK or
visual, photographic, video camera, computer and
television equipment, portable in-car and handheld b. office-based business travel outside the UK, or
satellite navigation devices.
c. a holiday within the UK, which includes two
we, us our, insurer or more consecutive nights stay in pre-booked
Aviva Insurance Limited. Registered in Scotland, holiday accommodation.
No. 2116. Registered Office: Pitheavlis, Perth PH2
0NH. Authorised by the Prudential Regulation Children
Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority. Dependent children who at the start date of the
trip are under 18 years of age (under 23 years of
winter sports equipment age if still in full time education and living at home
Skis, snowboard, boots, helmets, bindings or outside of term time) are only covered:
poles.
• when travelling with the account holder, or his/
you, your(s), yourself, insured person her partner, or
The account holder, his/her partner and their
dependent children who at the start date of the • whilst travelling abroad on their own to visit and
trip are under 18 years of age (under 23 years of stay with close relatives who permanently live
age if still in full time education and living at home abroad, for the duration of the trip.
outside of term time).
Automatic Cover
The insurance cover automatically applies for each
trip; this means you do not have to contact us
every time you book a trip, unless you need to tell
the Medical Risk Assessment Helpline about any
change to a previously disclosed medical condition
or the diagnosis of a new medical condition. Please
also read ‘Information and Changes we need to
know about’ on page 13.13
Information and Changes we need 2. up to 30 days if you cannot return home due to
your accidental injury, illness or quarantine.
to know about
We will also continue to pay for medical treatment
You must provide complete and accurate answers
under the Emergency Medical and Associated
to the questions asked when you open your
Expenses section for this period or any extended
HSBC Premier account, for example, have you told
period that is considered medically necessary by
the Medical Risk Assessment Helpline about any
our Medical Emergency Assistance Provider and
pre-existing medical conditions relating to you, and
agreed by us.
anyone whose good health your trip depends on
(whether travelling or not). Automatic Termination of Cover
After your HSBC Premier account is opened, All cover under this HSBC Travel Insurance policy
you must also tell the Medical Risk Assessment will cease automatically:
Helpline if there are any changes to your health or
the health of anyone else the trip depends on (eg, • if the account holder closes the HSBC Premier
a travelling companion, or a close relative even account.
if they are not travelling with you). Please see the • when the account holder reaches 70 years of
Medical Declaration section of this policy. age.
When we are notified of a change, we will tell you If the HSBC Premier account is held in joint names
if this affects your policy, for example whether we and an account holder reaches 70 years of age,
are able to accept the change and if so, whether cover will continue for any other eligible account
the change will result in revised terms. If the holder and other insured persons until all
information provided by you is not complete and account holders have reached 70 years of age.
accurate we may: • if you are no longer a UK resident.
• revise or amend the medical underwriting • is believed to be or reasonably suspected by us
decision(s) for any declared pre-existing to be acting fraudulently.
condition(s), which may result in an accepted
condition being excluded, or • HSBC cancels the Premier account in accordance
with the rights set out in the HSBC Premier
• refuse to pay any claim, or account terms and conditions.
• not pay any claim in full. If an insured person is on a trip at the time an
If you are in any doubt about Information or Changes automatic termination event occurs, all cover will
we need to know about, please contact us. cease when the trip ends.
Amendments to your cover Your Cancellation Rights
You may be able to upgrade from the standard This HSBC Travel Insurance will remain in force as
cover for the extensions shown below. To check long as the account holder has an active HSBC
if this is possible please call the Upgrade Helpline Premier account.
number shown on page 3 before you travel for You have a statutory 14 day period in which to
further information and a quotation. cancel your Travel Insurance. This period begins on
• Extended Trip Duration – you may be able to the date you opened the HSBC Premier account
extend an individual trip from the standard 31 days or when you receive your Travel Insurance policy
up to a maximum of 120 days. document, whichever is later. To cancel this Travel
• Golfing Cover – cover for loss, damage or theft of Insurance the HSBC Premier account must be
your clubs and pre–booked green fees if you are closed. If it is not closed the Travel Insurance
ill/injured. will remain active until the first of the ‘Automatic
Termination of Cover’ events shown above occur,
• Increased Cancellation/Abandonment Cover or the policy is cancelled in accordance with the
– where the cost of your holiday is more rights set out in the General Conditions section of
than £5,000, you may be able to upgrade to a the policy wording.
maximum limit of £7,500 per person.
To exercise your right to cancel, please contact
• Scuba Diving Cover – cover for emergency your HSBC Premier Relationship Manager.
medical treatment to allow you to dive to 30
metres (standard cover allows dives of up to 15 Use of language
metres).
Unless otherwise agreed, the contractual terms
Automatic Extension of Cover and conditions and other information relating to this
contract will be in English.
If you cannot get back home before your cover
ends, your insurance will remain in force as follows:
1. up to 14 days if any vehicle you are travelling in
breaks down, or any vehicle, vessel, train or aircraft
in which you are travelling as a ticket holding
passenger is cancelled or delayed; or14
Choice of Law 5. Claims resulting from any tour operator, travel
agent, airline or other service provider becoming
The law of England and Wales will apply to this
insolvent and not being able or willing to carry out
contract, unless:
any part of their duty to you.
1. you and the insurer agree otherwise; or
6. Any loss that is not specifically described in the
2. at the date of the contract you are a resident of stated terms and conditions, eg, we will not pay
(or, in the case of a business, the registered office for loss of earnings if you are unable to return to
or principal place of business is situated in) Scotland, work due to injury or illness during your trip.
Northern Ireland, Channel Islands or the Isle of Man
7. We do not cover any payment, which you
in which case (in the absence of agreement to the
would normally have made during your travels
contrary) the law of that country will apply.
and/or which does not fall within the events
insured under the terms of this insurance policy.
General Exclusions which apply 8. Any claim that results from any anxiety state,
depression, mental, nervous or emotional disorder
to the whole travel policy which had been diagnosed before you opened the
This policy does not cover the following: HSBC Premier account or the trip was booked,
1. Any consequence whatsoever which is the (whichever is later).
direct or indirect result of any of the following, 9. Any claim for an incident occurring during the
or anything connected with any of the following, trip that results from;
whether or not such consequence has been a. you flying an aircraft or taking part in other aerial
contributed to by any other cause or event: activities not listed in the Leisure Activity, Activity
a. war, invasion, act of foreign enemy, hostilities Based Holidays and Winter Sports sections
or a warlike operation or operations (whether war b. you using a scooter, moped or motorcycle as a
be declared or not), civil war, rebellion, revolution, rider or passenger on a machine;
insurrection, civil commotion assuming the
proportions of or amounting to an uprising, military • 125cc or under; unless you wear a crash
or usurped power. helmet and, as a rider, you are fully licensed to
use such a vehicle in the UK
b. any action taken in controlling, preventing,
suppressing or in any way relating to (a) above. • over 125cc; unless this is your mode of
transport from the UK and you wear a crash
2. Claims directly or indirectly caused by: helmet and appropriate protective clothing;
a. ionising radiation or contamination by and, as a rider, you are fully licensed and
radioactivity from any nuclear fuel or from any insured to use this vehicle in the UK
nuclear waste from burning nuclear fuel; or c. you using a quad bike, all terrain vehicle or
b. the radioactive, toxic, explosive or other similar on or off road as a rider or passenger
hazardous properties of any explosive nuclear d. you driving any motorised vehicle, unless you
assembly or nuclear part of an assembly; or are fully licensed to drive such a vehicle in the UK
c. pressure waves caused by aircraft and other e. you using any motorised vehicle as a driver or
aerial devices travelling at sonic or supersonic passenger, unless you have complied with all laws
speeds. applying to use of that vehicle in the country you
3. Any claim for your death, injury or disability are visiting, for example, you must wear a seat
resulting from; belt where this is required by law
a. your suicide or attempted suicide, or f. your involvement in paid or unpaid manual work
b. your misuse of alcohol or drugs or your or physical labour of any kind, other than Charity or
consumption of alcohol or drugs (other than Conservation work as shown in the Activity Based
drugs taken under medical supervision and not Holidays section
for treating alcohol or drug addiction) to an extent g. you taking part in a Leisure Activity, Activity
which causes immediate or long-term physical or Based Holiday or Winter Sports Activity not listed
mental impairment, including impairment to your in the Leisure Activities, Activity Based Holidays
judgement causing you to take actions you would and Winter Sport Activities sections
not normally have taken, or h. you taking part in exploration or scientific
c. any exacerbation of an accepted medical expeditions
condition caused by your misuse of alcohol or i. you sitting on any balcony railing; jumping from
drugs. or climbing on or over any balcony railing, ledge or
4. Any claim where during the trip, you wall, regardless of its height, other than Artificial
deliberately put yourself at risk of death, injury, Wall Climbing listed in the Leisure Activities
illness, or disability (unless you were trying to save section.
human life).15
10. Any claim resulting from a tropical disease every communication relating to a claim as soon as
where you have not had the recommended reasonably practicable.
inoculations and/or taken the recommended 6. You, or any person acting for you, must not
medication. negotiate, admit or reject any claim without our
11. Any claim where you have exceeded the permission in writing.
31 day limit for winter sports activities in each 7. We may refuse to pay any expenses for which
calendar year. you cannot provide receipts or bills.
12. Any claim for: 8. You or your legal representative must pay for
a. unused travel or accommodation arranged by any certificates, information and evidence, which
using air miles, loyalty or points based ownership we may need. When there is a claim for injury
schemes, timeshares or similar promotions or illness, we may ask for, and will pay for, any
b. management fees, maintenance costs or insured person to be medically examined on our
exchange fees associated with loyalty or points behalf. We may also ask for, and will pay for, a
based ownership schemes, timeshares or similar post-mortem examination if any insured person
promotions dies.
c. costs where these are recoverable from your 9. If, at the time of an incident which results in a
travel and/or accommodation provider claim under this policy, there is any other insurance
covering the same loss, damage, expense or
d. the refund of any costs you have paid for on liability, we are entitled to approach that insurer
behalf of persons not insured under this policy for a contribution towards the claim, and will only
e. administration costs charged by your travel and/ pay our share. This condition does not apply to
or accommodation provider in respect of obtaining the Personal Accident, Hospital Benefit or Holiday
a refund for unused travel and accommodation. Disruption cover.
10. We are entitled to take over and carry out in
General Conditions which apply to your name the defence or settlement of any legal
the whole travel policy action. We may also take proceedings at our own
1. The account holder must have a HSBC Premier expense and for our own benefit, but in your
account. name, to recover any payment we have made
2. You must provide complete and accurate under this policy to anyone else.
answers to the questions asked when you open 11. You cannot transfer your rights under this
your HSBC Premier account and to tell the insurer policy.
about your health and the health of anyone else A person, partnership (whether limited or not)
your travel plans depend on. Please note that if or company who is not insured under the policy
you fail to tell the insurer about any pre-existing has no rights under the Contracts (Rights of Third
medical conditions this could invalidate your Parties) Act 1999 to enforce any of its terms.
insurance cover and could mean that part or all
12. If you make a medical claim you may be asked
of a claim may not be paid. It is therefore very
to supply your doctor’s name to enable us to
important that you read the Medical Declaration in
access your medical records. This will help the
this booklet.
treating doctors, and us, to provide you with the
If the information provided by you is not most appropriate treatment and assess whether
complete and accurate, we may amend the cover applies. If you do not agree to provide this
medical underwriting decision(s) for any declared we may not deal with your claim.
pre-existing condition(s) which may result in an
13. Following the expiry of your statutory cooling
accepted condition being excluded, or refuse to
off period, you continue to have the right to cancel
pay any claim, or not pay any claim in full.
your HSBC Travel Insurance policy at any time by
3. You must take reasonable precautions to contacting HSBC Bank plc.
protect yourself and your property against any
14. We can, at any time and after taking a fair and
accident, injury, theft, loss or damage.
reasonable view, make changes to your Travel
4. If we make a payment before cover is confirmed Insurance terms and conditions, to reflect changes
and our claims investigation reveals that no cover in our expectations of the future likely cost of
exists under the terms of the policy, you must pay providing cover. Policy cover may increase or
us back any amount we have paid, which you are decrease, but the changes will not be made for the
not covered for. sake of recouping past losses.
5. You must tell us as soon as possible after any When doing so we will only consider one or more
injury, illness, incident or redundancy, or if you of the following:
discover any loss or damage which may lead
• our experience and expectations of the cost of
to a claim under this policy. You must also tell
providing this product and/or other Aviva products
us if you are aware of any legal proceedings,
of a similar nature.
summons or prosecution. You must send us16 • information reasonably available to us on the actual and expected claims experience of insurers of similar products. • widely available economic information such as inflation rates and exchange rates. Changes (together with the reasons for such changes) will be notified to you in writing at least 30 days in advance. Additionally, we can, at any time and after taking a fair and reasonable view, make changes to your Travel Insurance terms and conditions: • to reflect changes (affecting us or your policy) in the law or regulation or the interpretation of law or regulation, or changes in taxation. • to reflect decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice, with which we intend to comply. • in order to make your policy clearer and fairer to you or to rectify any mistakes that may be discovered in due course. Changes (together with the reasons for such changes) will be notified to you in writing at least 30 days in advance. 15. We (or any agent we appoint and who acts with our specific authority) may cancel this Travel Insurance policy by sending 30 days notice to your last known address. Fraud Prevention and Detection In order to prevent and detect fraud HSBC Bank plc and the insurer may at any time share information about you with other organisations and public bodies including the police. You should show these notices to anyone who has an interest in the insurance under the policy. If you, or anyone acting for you, make a claim under this policy knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any way, or if you give any false declaration or statement to support the claim, we will not pay the claim and all cover under the policy will end. We reserve the right to tell the police about any dishonest claim.
17 Your health This policy is not a general health or private medical insurance policy and will only cover you if you have a sudden and unexpected accident or become ill. It does not cover: • non-emergency treatment, or • any treatment that you knew you might need whilst on your trip, or • claims arising from any pre-existing medical conditions unless declared to and accepted in writing by the Medical Risk Assessment Helpline. It is therefore very important that you read the Medical Declaration below, and provide complete and accurate information. The Medical Declaration applies on the date you opened your HSBC Premier account or when the trip was booked, (whichever is later); it applies to all insured persons and anyone else upon whose good health your trip depends, even if they are not travelling with you. Please read this carefully as it may affect your cover. Medical Declaration 1. You must contact the Medical Risk Assessment helpline number shown at the front of this booklet if at the date you opened your HSBC Premier account or when booking a trip (whichever is later), you: a. have received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months b. are under investigation or awaiting results for any diagnosed or undiagnosed medical condition c. are on a waiting list for, or aware of the need for, in-patient treatment for any diagnosed or undiagnosed medical condition d. have received a terminal prognosis e. are travelling against the advice of a doctor or purposely travel without medical advice when it was reasonable to have consulted a doctor f. know of any close relative, close business associate, travelling companion or person you plan to stay with, (and upon whose good health your trip depends), who has a serious illness, injury or disease which could affect your decision to take or continue your trip. 2. If, between booking a trip and the departure date, you are referred to a Consultant/Specialist or are admitted to a hospital, your policy will cover you for cancellation of your trip. Please note however, that if you still wish to travel you must call the Medical Risk Assessment Helpline immediately and they will advise you if you will be covered for Emergency Medical and Associated Expenses or abandonment claims relating to this condition. 3. If, between booking a trip and the departure date, anyone upon whose good health your trip depends, such as a close relative or a travelling companion, is referred to a Consultant/Specialist or is admitted to a hospital, your policy will cover you for cancellation of your trip. Please note however, that if you still wish to travel you must call the Medical Risk Assessment Helpline immediately and they will advise you if you will be covered for abandonment claims relating to this condition. 4. If you or anyone upon whose good health your trip depends, is referred to a Consultant/Specialist or is admitted to a hospital, after you have booked your trip but prior to paying any final balance due for your trip, you must call the Medical Risk Assessment Helpline immediately. We will advise you if you will be covered for claims relating to this condition. Please note, if you do not do this it will affect your claim if you have to cancel your trip before the departure date. A medical endorsement letter will be issued by Medical Risk Assessment Helpline confirming whether or not your HSBC Travel Insurance policy has been extended to cover the medical condition(s) you have declared. All calls to the Medical Risk Assessment Helpline are treated in the strictest confidence.
18
European Health Insurance Card
(Residents of England, Wales, Scotland and
Your Activities
Northern Ireland only)
What is not covered
• European Union
1. There is no cover at all for any injury or death
If travelling to countries in the European Union, if, during your trip, you take part in any leisure
Iceland, Liechtenstein, Norway or Switzerland we activity, activity based holiday or winter sports
strongly recommend that you take a European activity:
Health Insurance Card (EHIC) with you. This a. that is NOT shown below
will allow you access to the healthcare service
provided to residents of the country or countries b. either as a professional or where you receive
you are visiting, which may not cover everything any financial reward or gain
you would be normally receive free of charge from c. for the purpose of practising for or taking part in:
the National Health Service (NHS). • any speed or time trial or race of any kind
Application forms can be obtained from the post • any organised team competition or tournament
office or online and should be completed and d. if you suffer from a medical condition which
validated before you travel. You will need your would normally prohibit you from participating in
NHS or National Insurance Number. Applying for that activity
an EHIC is free and is valid for up to five years but
can be renewed when it expires. e. where you have failed to follow all safety
guidelines and use the necessary safety
Medicare equipment.
(Residents of England, Wales, Scotland and
2. There is no cover under the Cancelling your Trip
Northern Ireland only)
or Abandonment sections for:
• Australia a. any course or tuition fees, project costs,
If you are travelling to Australia and need sponsorship fees or similar (other than your pre-
emergency medical treatment you must enrol with paid ski pack)
a local Medicare office, which will entitle you to b. cancellation of a pre-paid leisure activity or any
subsidised treatments and medicines at a public activity based holiday by the organiser of that activity.
hospital. All claims for refunds under the Medicare
scheme must be made before you leave Australia. Leisure Activities
To enrol in Medicare you will need your passport There is no cover where the main purpose of
with a valid visa. For more information visit: your trip is to take part in a leisure activity (unless
www.medicareaustralia.gov.au or shown as an Activity Based Holiday on page 22).
email:medicare@medicareaustralia.gov.au. You are covered whilst taking part in the following
You should take reasonable steps to use the leisure activities on an incidental basis subject to
above Reciprocal Health Agreements where the limitations shown.
possible but please note that these will not cover
you for the cost of medical treatment in a private
hospital or clinic, or the additional cost of returning
to your home territory or for a relative to stay or
fly out to be with you.19
Leisure Activity Limitations (applicable where shown)
No cover No cover Must be Other
under under organised
Personal Personal through a
Accident Liability licensed
section section operator
Abseiling Must be under supervision
of a qualified instructor
Aerobics
Archery Must be under supervision
of a qualified instructor
Artificial Wall Climbing
Badminton
Banana boating/Ringos X
Baseball
Basketball
Body boarding X
Bowls/Petanque
Bridge walking Must be accompanied by a
qualified guide
Bungee jumping Must be under supervision
of a qualified instructor
Camel or Elephant rides
Canoeing Maximum Grade 3 (or the
equivalent international grade
used by the country you
are in)
Canopy/Treetop walking X X
Cave/River Tubing Must be accompanied
by a qualified guide
Clay-pigeon or small X Must be under supervision
bore shooting of a qualified instructor
Coasteering Must be accompanied by
a qualified instructor/guide
Cricket
Croquet
Curling
Cycling No BMX or racing
Dinghy sailing X No racing and within a 5 mile
limit of the coastline or on
inland waters
Dodgeball
Fell walking/running
Fencing
Fishing No cover for equipment
under the Baggage section
Football
Geocaching Maximum 3,000 metres
altitude
Gliding X X X Passenger only
Go karting XYou can also read
