Comprehensive Cover. This policy offers a high level of protections for overseas trips. It offers unlimited cover for overseas medical and hospital expenses, overseas emergency medical assistance, cancellation fees and lost deposits.
Australia Only Cover. This policy is designed for domestic travellers and provides unlimited cover for cancellation fees and lost deposits, as well as cover for trip disruption, accidental death, personal liability, luggage and personal effects.
Budget Cover. Designed with the budget-conscious traveller in mind, this policy offers bare essentials cover. It includes unlimited protection against the cost of overseas emergency medical and hospital expenses and overseas emergency medical assistance, as well as repatriation cover and personal liability protection.
Frequent Traveller Cover. Designed for people who take multiple trips each year, this policy offers cover for an unlimited number of journeys during a 12-month period.
You can take out a HSBC Travel Insurance policy in the following forms:
Single Cover. This covers you and your dependent children/grandchildren under the age of 21 who are travelling with you.
Duo Cover. This policy covers you and your travelling companion but does not offer any cover for dependent children.
Family Plan. This policy covers you and the members of your family travelling with you.
Benefits available on HSBC Travel Insurance policies
Cancellation fees and lost deposits. When unexpected circumstances such as the death of a relative force you to cancel your trip, HSBC Travel Insurance will cover cancellation fees and lost prepaid deposits.
Overseas emergency medical assistance. Cover is available to help you access a medical adviser while overseas, pass messages on to your family in case of an emergency or evacuate you to Australia if medically necessary.
Overseas emergency medical and hospital expenses. This benefit covers the cost of the medical and hospital expenses you incur when you fall ill or are injured overseas.
Additional expenses. This benefit provides cover for additional accommodation and travel expenses if you are deemed medically unfit to travel during your journey, or if you are forced to return home early due to an illness or injury suffered by yourself, your travelling companion or a relative.
Hospital cash allowance. You’ll receive a $50 allowance for each day you are in hospital overseas after you have been hospitalised for more than 48 consecutive hours.
Accidental death. A lump sum benefit is payable if you dies as a result of an accidental injury during your journey.
Permanent disability. A lump sum benefit is offered if you are injured during your journey and you become permanently disabled within 12 months of suffering the injury.
Loss of income. If you are injured during your trip and become disabled as a result, and you are then unable to go back to work when you return to Australia, you’ll be covered for the loss of income you incur.
Travel documents, credit cards and travellers cheques. This benefit covers replacement costs if you lose any of these items, as well as providing cover for fraudulent use of your credit card.
Theft of cash. Up to $250 of cover is provided for cash stolen from your person.
Luggage and personal effects. Cover is provided for the repair or replacement of lost, stolen or damaged luggage and personal effects.
Luggage and personal effects delay expenses. HSBC Travel Insurance also offers a benefit to allow you to purchase emergency clothing and toiletries when your luggage is delayed.
Travel delay expenses. Additional meals and accommodation expenses are covered if your journey is delayed by at least six hours due to circumstances outside your control.
Alternative transport expenses. When you’re heading to a special event such as a wedding or conference and your scheduled transport is cancelled, delayed, shortened or diverted, the cost of the reasonable additional travel expenses to get you there on time are covered.
Personal liability. HSBC Travel Insurance offers up to $5 million of cover when you are legally liable for causing bodily injury to someone else or damaging their property.
Rental vehicle. This benefit provides cover for the rental vehicle insurance excess you have to pay when your rental car is stolen, damaged or involved in an accident.
Additional options available
Specified luggage and personal effects cover. By paying an additional premium, you can purchase additional luggage and personal effects cover for specified valuable items, for example your laptop or camera. You can purchase additional cover of up to $5,000 for your high-value items (excluding jewellery), by paying an additional $40 premium per $1,000 increase in cover or part thereof.
Can I get cover with a pre-existing medical condition?
As travel insurance only provides cover for emergency overseas medical events that are unforeseen, pre-existing conditions will generally not be covered. However, some pre-existing conditions are automatically covered, including allergies, asthma, diabetes, blindness and migraine.
However, there is no cover available for medical expenses, cancellation costs or additional expenses if:
You have been given a terminal prognosis
You will require oxygen for the trip
You have chronic renal failure
You have had, or you are on the waiting list for, an organ transplant
In addition, some conditions are automatically excluded from cover, such as:
Any condition for which surgery or treatment is planned
Any chronic or recurring pain requiring ongoing medication
Any condition for which you have ever had spinal or brain surgery
Any mental illness, including dementia, depression, anxiety or stress
You’ll need to check the PDS for a full list of conditions automatically covered or excluded altogether. If your condition isn’t listed you are able to apply to the insurer to have cover for your pre-existing medical condition included in your policy.
Finally, if you’re pregnant, it’s worth pointing out that HSBC Travel Insurance will not offer any cover if your trip extends past the 26th week of a single pregnancy, or past the 19th week of a multiple pregnancy. In any case, no cover is available for costs such as childbirth, care of a newborn child or regular antenatal care.
HSBC Travel Insurance is issued and underwritten by Allianz Australia Insurance Limited, one of the most respected names in the insurance industry. If you need emergency assistance during your holiday, you can contact Allianz Global Assistance 24 hours a day, seven days a week from anywhere in the world.
Need to make a claim?
If you need to make a claim on your policy, the first thing to do is notify the insurer as soon as possible. You can do this by obtaining a claim form from the Client Services Department, filling it out and returning it to Allianz.
You’ll also need to supply any documentation the insurer requests to process your claim. This could include police reports, medical reports, photographic evidence, proof of ownership and purchase receipts.
Full details of your claim must be submitted in writing within 30 days of your return to Australia, and all claims are payable in Australian Dollars.
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