travel insurance hsbc claim

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Make a travel insurance claim

About hsbc travel insurance claims.

HSBC Travel Insurance is provided by Aviva Insurance Limited. Aviva manages the claims process from start to finish so that your claims are handled as quickly and efficiently as possible.

When to make an HSBC Travel Insurance claim

If your trip has been cancelled, your first step should be to contact your travel and/or accommodation provider for a refund.

If you paid any part with your debit or credit card or PayPal, you may also contact the payment provider for a refund. If you paid with an HSBC debit or credit card, here’s how you can  raise a dispute .

Claiming a refund from either your travel operator or your card provider may lead to a better outcome for yourself than claiming via your travel insurance, as you may be able to claim the full amount you paid without having to pay an excess. You could also potentially recover losses for all the party members on the booking, some of whom may not have taken insurance. You can find further useful information on this topic on the  MoneyHelper  website. If you’ve been unable to get a refund from your travel and/or accommodation provider or your payment provider, please contact Aviva to make a claim.

Coronavirus advice

For the latest coronavirus travel guidance, see  what’s covered under HSBC Travel Insurance .

How to make a claim

If you don't need urgent medical attention, you can make a claim online.

All medical emergency lines are open 24 hours a day, 365 days a year:

All travel claim lines are open 8am to 6pm Monday to Friday and 8am to 6pm on Saturdays, closed Sundays.

For HSBC Premier

Medical emergency line: +44 (0)1603 605 135

For travel claims: +44 (0)1603 605 122

For HSBC Private Banking and Premier (retained Jade benefits)

Medical emergency line:  +44 (0)1603 605 102

For travel claims:  +44 (0)1603 605 122

For HSBC Select and Cover

Medical emergency line:  +44 (0)1603 208 95

For travel claims:  +44 (0)345 302 8387

For HSBC Insurance Aspects 

Medical emergency line:  +44 (0)1603 605 142

For travel claims:  +44 (0)1603 604 910

For HSBC Gold MasterCard and HSBC Platinum MasterCard 

Medical emergency line:  +44 (0)1243 621 064

What you’ll need to make a claim

You’ll need to provide Aviva with:

• confirmation of the original booking and which parts of it are non-refundable
• evidence you’ve tried to get your money back from your travel and/or accommodation provider, plus your credit or debit card provider if you paid by card - for example, copies of emails you’ve sent and/or their replies
• details of any self-isolation advice you’ve been given by either your GP or from NHS 111

For all claims, normal policy excess, terms and conditions, exclusions and claims assessment apply.

How long will it take to process my claim?

As soon as you’ve notified Aviva of your claim, they will send you a claims pack detailing the information they need from you. To ensure your claim is handled as swiftly as possible, please follow the instructions in this pack.

After receiving your details, Aviva will assess your claim and make a payment to you within 28 days if your claim’s been successful.

If you’re having financial difficulties, please visit our  financial support  page for ways we can help.

Policy documents

HSBC Premier Account & Private Banking Worldwide Travel Insurance

• HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits) and HSBC Premier Accounts (PDF, 528KB) HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits) and HSBC Premier Accounts (PDF, 528KB) Download
• HSBC Premier Travel Insurance Product Information Document (PDF, 153KB) HSBC Premier Travel Insurance Product Information Document (PDF, 153KB) Download
• HSBC Private Banking Travel Insurance Product Information Document (PDF, 114KB) HSBC Private Banking Travel Insurance Product Information Document (PDF, 114KB) Download
• Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Download

Select and Cover

• Select and Cover Terms and Conditions (PDF, 427KB) Select and Cover Terms and Conditions (PDF, 427KB) Download
• HSBC Summary of Cover Limits (PDF, 105KB) HSBC Summary of Cover Limits (PDF, 105KB) Download

Insurance Aspects Worldwide travel insurance

• Your Travel Policy Document (PDF, 519KB) Your Travel Policy Document (PDF, 519KB) Download
• Insurance Product Information Document for customers aged under 70 (PDF, 296KB) Insurance Product Information Document for customers aged under 70 (PDF, 296KB) Download

Customer support

Your Travel Insurance Claim

Please tell us about yourself

Please tell us about you and your policy. If you have a single trip or annual travel insurance policy, please enter the name, date of birth and postcode of someone insured on the policy.

Phishing was one of the top five scam types in Singapore in 2023. Avoid being phished by making sure the sender's email address matches the company they claim to represent and check for spelling errors. HSBC Life will never send you an unsolicited payment link via email, or ask for your credit card or bank login information over the phone or email. For more tips on protecting yourself from scams, visit www.hsbc.com.sg/help/security-centre .

Claim forms

Take me straight to, personal claims, motor insurance.

• Travel insurance 

Domestic helper insurance

Home insurance, total and permanent disability, personal accident insurance, critical illnesses, hospital, surgical, inpatient and day surgery claims, outpatient claims, dental claims, art insurance, golf insurance, business claims, work injury, public liability, fidelity guarantee, fire or property, marine cargo.

These are the forms you'll need to make an insurance claim as an individual.

Motor claims 

Here's how to submit a motor claim.

Step 1: Get information

• Exchange particulars with the involved parties including names, NRIC / FIN numbers, phone numbers, addresses and insurance companies.
• Take note of the involved vehicle numbers.
• Take digital photographs of all involved third party vehicles and the accident scene.
• Call our 24/7 hotline on +65 6322 2600 for a tow truck or for further advice.

Step 2: Report and deliver the vehicle

1. Report and bring your vehicle that was involved in the accident, damaged or otherwise, to one of our Premier Workshops or reporting centres. You must do this within 24 hours or by the next working day.

2. Lodge a police report if the accident caused any injuries or occurred outside of Singapore. You should also lodge a police report if it did not cause injury but involved

• A government vehicle or damaged government property
• A foreign vehicle
• A pedestrian or cyclist

3. Bring your driver's licence, and your certificate of insurance.

Additional information

• Motor claims framework   Motor claims framework This link will open in a new window
• List of premium workshops (PDF, 239KB) List of premium workshops (PDF, 239KB) Download link
• Important information for accidents in Malaysia (PDF, 109KB) Important information for accidents in Malaysia (PDF, 109KB) Download link
• Motor claims FAQs (PDF, 2.9MB) Motor claims FAQs (PDF, 2.9MB) Download link
• Our claims service guarantee (PDF, 155KB) Our claims service guarantee (PDF, 155KB) Download link
• Windscreen claim form (PDF, 283KB) Windscreen claim form (PDF, 283KB) Download link
• Impact to your no claims discount (PDF, 95KB) Impact to your no claims discount (PDF, 95KB) Download link
• Own damage vs third-party damage (PDF, 125KB) Own damage vs third-party damage (PDF, 125KB) Download link

Windscreen claims 

Here's how to submit a windscreen claim.

Step 1: Take reasonable measures

• Let us know immediately after you discover the incident that led to the damage.
• Notify the police if there's evidence of a criminal or malicious act involved.
• Take reasonable measures to mitigate the loss.

Step 2: Gather information and file a claim

1. Make sure you have the following on hand:

• A copy of your insurance certificate or cover note
• Colour photographs of the damage
• The original invoice or receipt
• A copy of the police report, if any.

2. Submit a windscreen claim online . Alternatively, download, complete and submit a windscreen claim form (PDF) .

Honda, Volkswagen, Hyundai, and Chevrolet Scheme policyholders: please go to your respective distributor workshop for reporting and repairs. Or if no repairs are needed, please go to our Premium Workshops.

• General Insurance Association motor claims framework   General Insurance Association motor claims framework This link will open in a new window
• Own damage and accident reporting FAQs (PDF, 137KB) Own damage and accident reporting FAQs (PDF, 137KB) Download link
• Windscreen repair scheme (PDF, 83KB) Windscreen repair scheme (PDF, 83KB) Download link

Travel insurance

Travel insurance claims .

Here's how to submit a personal travel claim.

Step 1: Gather information within 30 days of the end of your trip

You'll need a copy of your insurance certificate and proof of travel (eg the original boarding passes, air tickets or a copy of your passport). You'll also need to attach additional documents depending on what you're making a claim for.

1. Personal accident, medical, dental and other expenses

• All original medical invoice and receipts – for medical expense claims
• Admission or discharge reports – for hospitalisation claims only
• Receipts for additional expenses claimed due to additional travel and accommodation – for hospitalisation claims only
• Medical or regular medical practitioner reports
• A death certificate if applicable
• An accident, investigation and police report if applicable
• A post-mortem report if applicable

2. Trip cancellations or curtailments

• A copy of the flight itinerary indicating the original flight details
• The booking invoice with terms and conditions, and payment receipts
• Medical reports or a death certificate, if applicable
• Proof of relationship, if applicable
• Written confirmation on the refund amount from the travel agents or airlines
• The invoice and receipts for charges incurred in amending or purchasing additional air tickets for trip curtailments
• Written advice from the attending medical practitioner that advises the cancellation or curtailment of the trip due to an illness or injury sustained by you, your relatives or travel companions (as defined in the policy)

3. Travel or baggage delays, overbooked flights, flight misconnections and postponements, replacement of travellers, or diversions

• Written confirmation from the carrier on the duration and reasons for the delay or diversion, for travel delay and diversion claims
• Written confirmation or an acknowledgement receipt from the airline confirming the details of the overbooked or misconnected flight and when the next alternative transportation is available, for overbooked flights and flight misconnections
• Written confirmation or an acknowledgement receipt from the airline on the date and time of the baggage received, for baggage delays
• Receipts for the administrative charges, for trip postponements or replacement of travellers
• Proof of relationship if applicable, for trip postponements or replacement of travellers
• A copy of death certificate if applicable, for trip postponements

4. Baggage, personal effects, money or travel documents

• Purchase receipts and / or warranty cards for lost items, if any
• Documents stating the compensation amount from airlines or other sources
• Report for losses or damage in the carriers’ custody if applicable, for property irregularity
• Photographs showing the extent of damage, and repair invoices, for damage claims
• A police report or loss report lodged at the place of loss within 24 hours, for theft or loss claims
• A list of items stolen with the information on make / model, date of purchase and purchase price, for theft or loss claims
• Receipts for additional costs incurred in replacing lost travel document, for theft or loss claims
• Receipts for the essential items purchased, for essential items purchase claims

5. Home care benefits

• A copy of your home care benefits insurance certificate
• Receipts for all items you're listing in your claim; or if unavailable, the description of the items, and the date, place and price of the purchase
• A Singapore Civil Defence Force (SCDF) report if applicable

6. Study interruption

• A copy of the death certificate for the deceased family member if applicable
• Proof of relationship for the deceased family member if applicable
• A copy of your hospitalisation bill, for hospitalisation claims only
• A regular medical practitioner report and admission or discharge reports, for hospitalisation claims only
• Admission / Discharge report – for hospitalisation claims only
• Proof of tuition fees paid to the educational institution

7. Personal liability

• All correspondence and documents from third parties

8. Hijacking inconvenience

• Written confirmation from the airline confirming the incident and duration

9. Rental car excess cover

• A copy of the car rental agreement
• The invoice and receipt from the rental agency for the car rental
• A copy of your driving licence at the time of the accident
• A copy of your overseas motor insurance policy if available
• A copy of the police or accident report if applicable
• Receipts for the expenses paid

Step 2: File a claim

Submit a travel claim online . Alternatively, download, complete and submit a travel insurance claim form (PDF) .

If you need emergency assistance while you're abroad, please call our 24/7 hotline on +65 6322 2566 . We can help you with:

• Locating the nearest appropriate consulate or embassy while you're overseas
• Retrieving your lost baggage, lost passport or other travel documents
• Getting medical advice over the phone
• Arranging hospital admission
• Getting emergency evacuation or repatriation
• Monitoring for a medical condition

Please note that for emergency medical assistance, evacuation or repatriation:

• A designated assistance company operates the 24/7 emergency telephone service
• Repatriation expenses will be covered under your policy only if arrangements are made through the designated assistance company

You can learn more in our travel claims FAQs (PDF) .

SmartHelper claims 

Here's how to submit a SmartHelper claim.

Step 1: Notify parties and provide documents

1. Let Anda Insurance Agencies Private Limited know within 21 days of the accident or illness for which you're filing a claim.

2. Notify the police if there's evidence of a criminal or malicious act involved.

3. Provide all the required medical reports and information – these shall be done at your own expense

4. Provide the following documents:

• The original completed domestic helper claim form
• The original medical bills
• A copy of the in-patient discharge summary from the hospital
• A copy of your insurance certificate
• A copy of the work permit
• A copy of the employment contract which shows the domestic helper's monthly salary
• A copy of the medical certificate of treatment (PDF) , if applicable
• A copy of the police report, if applicable
• A copy of the death certificate, if applicable

Submit a SmartHelper claim online . Alternatively, download, complete and submit a domestic helper insurance claim form (PDF) .

For further enquiries or clarification, please call Ms Cindy Khor Sooi Yee on + 65 6534 2288 . Or you can email her at [email protected] or [email protected] .

You can learn more in our SmartHelper claims FAQs (PDF) .

SmartHome claims 

Here's how to submit a SmartHome claim.

Step 1: Take reasonable measures and notify parties

1. Take all necessary measures and steps to mitigate any loss and / or damage.

2. Do not dispose of the damaged items until we've confirmed that you may do so.

3. Make a police report immediately, and cooperate with us in securing the conviction of the offender if the loss or damage was caused by housebreaking, theft, malicious damage, vandalism or other criminal acts.

4. In the event of a potential claim from a third party against yourself or a family member:

• Send us any letters of demand, writs of summons, legal documents or other communication served upon you immediately
• Do not admit liability or make any promises regarding settlement without our written consent

5. Notify your agent or broker immediately of the claim or call us on +65 6880 4888 – lines are open 9am to 5pm, Mondays to Fridays except on public holidays.

6. Gather the following documents to submit with your claim:

• Colour photographs of the damaged property
• The original purchase receipts or invoices
• An assessment report from the repairer on the cause and extent of the property damage
• Quotations for the repair or replacement of the lost or damaged property
• Original repair or replacement invoices or receipts
• A copy of the police report

Submit a SmartHome claim online . Alternatively, download, complete and submit a SmartHome claim form (PDF) .

You can learn more in our SmartHome claims FAQs (PDF) .

Death claims and waiver of premium 

Here's how to make a death claim or apply for a waiver of premium due to the death of the policyholder. You'll need to submit the completed claim form with supporting documents within 30 days of the death.

Step 1: Get the required information ready

You'll need to complete a death claim form (PDF) . You'll also need to have the following documents on hand:

1. For a death in Singapore:

• A copy of the death certificate

2. For a death of a Singaporean citizen or Singapore Permanent Resident overseas:

• A copy of the Immigrations and Checkpoints Authority letter issued – this confirms the receipt of the death certificate and the deceased's NRIC or passport number
• A certified true copy of the death certificate, as certified by our customer service officers or the notary public in the country where the death occurred
• A completed attending physician's statement (PDF)

3. The last will and testament of the deceased, if any

4. A copy of your NRIC

5. Proof of the relationship between you and the deceased if there's no nominated beneficiary named:

• Your marriage certificate, if you're the spouse
• The deceased's birth certificate, if you're the parent
• Your birth certificate, if you're the child
• Your birth certificate and that of the deceased, if you're a sibling

6. A tax residency self-certification form duly completed by you or the named beneficiaries, if the policy has a cash value

7. For death due to unnatural causes such as accidental death, murder or suicide:

• A post-mortem or toxicology report
• A copy of the coroner's certificate with the investigation report and coroner's findings
• A copy of the police investigation report, if any
• A copy of the newspaper report, if any

Submit your completed claim form and supporting documents to us. You can do so either by email to [email protected] , or by handing them to the policyholder's financial consultant.

Once we've received all the required documents, we'll generally process your claim within an average of 14 to 21 working days.

Sometimes, we may need more time to assess your claim. This may be because we need more clarification or internal discussion. We'll keep you informed of our progress if that's the case.

For enquiries, you can call us on +65 6880 4888 – lines are open 9am to 5pm, Mondays to Fridays except on public holidays.

Total and permanent disability claims 

Here's how to submit a total and permanent disability claim.

You'll need to complete a total and permanent disability claim form (PDF) . You'll also need to have the following documents on hand:

• A copy of the x-ray, CT scan or MRI report, if any

Submit your completed claim form and supporting documents to us within 180 days from the event date. You can do so either by email to [email protected] , or by handing them to the policyholder's financial consultant.

SmartPA+ 

Here's how to submit a claim under your SmartPA+ policy.

Step 1: Gather information within 30 days of the accident

You'll need to have the following documents on hand, depending on what you're claiming:

1. Accidental death benefit

• A copy of the accident report, investigation report or police report
• A copy of the post-mortem report, if any
• Medical reports or regular general practitioner reports, if any

2. Permanent disability benefit

• Medical reports or regular general practitioner reports

3. Double indemnity benefit

• Proof of travel such as a copy of your passport or boarding passes
• A copy of the accident report, investigation report or police report – for permanent disablement claims
• Medical reports or regular general practitioner reports – for permanent disablement claims
• A copy of the death certificate and the post-mortem report, if applicable – for a death claim

4. Daily hospital allowance

• Admission or discharge reports indicating the date and time of the admission and discharge

5. Children's education fund or parent's shield benefit

• Proof of employment
• A copy of the child's birth certificate as proof of relationship
• A copy of the post-mortem report, medical reports or regular general practitioner reports, if any

6. Temporary total or partial disablement benefit

• A copy of the medical certificate

7. Medical expenses

• Original medical invoices and receipts

8. Income protection

• A letter from the employer confirming that employment has been terminated as a result of the permanent disablement sustained

9. Loan protector

• Confirmation from any recognised local financial institution registered with the Monetary Authority of Singapore on the outstanding revolving line of credit liabilities for credit cards, cashline, overdrafts, education loans and renovation loans.

Submit a personal accident claim online . Alternatively, download, complete and submit a personal accident claim form (PDF) . You can mail the documents to us at the following address:

38 Beach Road, #03-11,

South Beach Tower, Singapore 189767

Medical reports are completed at your own expense.

Once your claim has been approved, the payment will be made to the insured person or their legal representative.

We'll only be liable for the excess of the amount recoverable if there are other sources or insurance policies in place. For example, if you or any insured person becomes entitled to a refund or reimbursement of all or part of claimed expenses from any other source. Or if there's any other insurance against the events covered in place.

You can learn more in our personal accident claims FAQs (PDF) .

HSBC Life Band Aid 

Here's how to submit a claim under your HSBC Life Band Aid policy.

Step 1: Gather information within 90 days of the accident

Death due to accidental causes.

1. A copy of the death certificate

2. For a death of a Singaporean citizen or Singapore Permanent Resident overseas:

6. A copy of the police investigation report, if any

7. A copy of the newspaper report, if any

8. A copy of the post-mortem or toxicology report, if any

9. A copy of the coroner's certificate with the investigation report and coroner's findings

Permanent disability due to accident causes

1. A completed attending physician's statement (PDF)

2. A copy of the x-ray, CT scan or MRI report, if any

Medical expenses

1. Original hospital bills and / or clinic bills for a General Practitioner, Traditional Chinese Medical practitioner, physiotherapist or chiropractor – please ask the medical practitioner to state the diagnosis on the bill and sign it with the hospital / clinic stamp

2. A copy of the x-ray or laboratory report, if any

3. A copy of the inpatient discharge summary if available, otherwise a completed attending physician's statement (PDF) is necessary

Weekly indemnity benefit

1. A copy of the medical certificate if you're claiming for weekly indemnity under the temporary total or partial disablement benefit – please ask the medical practitioner to state the diagnosis on the bill and sign it with the hospital / clinic stamp

Hospital cash benefit

1. A copy of the hospital bills

Smart Family 

Here's how to submit a claim under your Smart Family policy.

SmartCare Prime 

Here's how to submit a claim under your SmartCare Prime policy.

Step 1: Gather information within 30 days of the accident

Smartcare assure .

Here's how to submit a claim under your SmartCare Assure policy.

SmartCare theOne 

Here's how to submit a claim under your SmartCare theOne policy.

Critical illness claims and waiver of premium 

Here's how to make a critical illness claim or apply for a waiver of premium due to critical illness. You'll need to submit the completed claim form with supporting documents within 90 days of the diagnosis.

Step 1: Get the required information ready

You'll need to complete a critical illnesses non-death claim form (PDF) .

You'll also need to have a completed attending physician's statement. Please use the one that applies to the critical illness for which you're claiming:

• Alzheimer's disease (PDF, 387KB) Alzheimer's disease (PDF, 387KB) Download link
• Apallic syndrome (PDF, 320KB) Apallic syndrome (PDF, 320KB) Download link
• Aplastic anaemia (PDF, 323KB) Aplastic anaemia (PDF, 323KB) Download link
• Bacterial meningitis (PDF, 327KB) Bacterial meningitis (PDF, 327KB) Download link
• Benign brain tumour (PDF, 393KB) Benign brain tumour (PDF, 393KB) Download link
• Blindness (loss of sight) (PDF, 315KB) Blindness (loss of sight) (PDF, 315KB) Download link
• Cancer (PDF, 426KB) Cancer (PDF, 426KB) Download link
• Chronic liver disease (PDF, 413KB) Chronic liver disease (PDF, 413KB) Download link
• Chronic lung disease (PDF, 305KB) Chronic lung disease (PDF, 305KB) Download link
• Coma (PDF, 403KB) Coma (PDF, 403KB) Download link
• Coronary artery surgery (PDF, 478KB) Coronary artery surgery (PDF, 478KB) Download link
• Deafness (loss of hearing) (PDF, 420KB) Deafness (loss of hearing) (PDF, 420KB) Download link
• Elephantiasis (PDF, 279KB) Elephantiasis (PDF, 279KB) Download link
• Encephalitis (PDF, 328KB) Encephalitis (PDF, 328KB) Download link
• Fulminant viral hepatitis (PDF, 354KB) Fulminant viral hepatitis (PDF, 354KB) Download link
• Heart attack (PDF, 537KB) Heart attack (PDF, 537KB) Download link
• Heart valve surgery (PDF, 364KB) Heart valve surgery (PDF, 364KB) Download link
• HIV due to blood transfusion (PDF, 370KB) HIV due to blood transfusion (PDF, 370KB) Download link
• IDDM (PDF, 313KB) IDDM (PDF, 313KB) Download link
• Kawasaki disease (PDF, 270KB) Kawasaki disease (PDF, 270KB) Download link
• Loss of speech (PDF, 356KB) Loss of speech (PDF, 356KB) Download link
• Major burns (PDF, 294KB) Major burns (PDF, 294KB) Download link
• Major head trauma (PDF, 342KB) Major head trauma (PDF, 342KB) Download link
• Major organ or bone marrow transplant (PDF, 354KB) Major organ or bone marrow transplant (PDF, 354KB) Download link
• Medullary cystic disease (PDF, 329KB) Medullary cystic disease (PDF, 329KB) Download link
• Motor neurone disease (PDF, 369KB) Motor neurone disease (PDF, 369KB) Download link
• Multiple sclerosis (PDF, 375KB) Multiple sclerosis (PDF, 375KB) Download link
• Muscular dystrophy (PDF, 286KB) Muscular dystrophy (PDF, 286KB) Download link
• Necrotising fasciitis (PDF, 510KB) Necrotising fasciitis (PDF, 510KB) Download link
• Occupationally acquired HIV (PDF, 329KB) Occupationally acquired HIV (PDF, 329KB) Download link
• Open heart surgery (PDF, 311KB) Open heart surgery (PDF, 311KB) Download link
• Paralysis (PDF, 327KB) Paralysis (PDF, 327KB) Download link
• Parkinson's disease (PDF, 351KB) Parkinson's disease (PDF, 351KB) Download link
• Poliomyelitis (PDF, 351KB) Poliomyelitis (PDF, 351KB) Download link
• Progressive scleroderma (PDF, 336KB) Progressive scleroderma (PDF, 336KB) Download link
• Pulmonary arterial hypertension (PDF, 383KB) Pulmonary arterial hypertension (PDF, 383KB) Download link
• Renal / kidney failure (PDF, 334KB) Renal / kidney failure (PDF, 334KB) Download link
• Rheumatic fever with valvular impairment (PDF, 347KB) Rheumatic fever with valvular impairment (PDF, 347KB) Download link
• Severe asthma (PDF, 339KB) Severe asthma (PDF, 339KB) Download link
• Severe myasthenia gravis (PDF, 340KB) Severe myasthenia gravis (PDF, 340KB) Download link
• Short term disability (PDF, 472KB) Short term disability (PDF, 472KB) Download link
• Special conditions (PDF, 1.2MB) Special conditions (PDF, 1.2MB) Download link
• Still's disease (PDF, 334KB) Still's disease (PDF, 334KB) Download link
• Stroke (PDF, 312KB) Stroke (PDF, 312KB) Download link
• Surgery to aorta (PDF, 326KB) Surgery to aorta (PDF, 326KB) Download link
• Systemic lupus erythematosus with lupus nephritis (PDF, 456KB) Systemic lupus erythematosus with lupus nephritis (PDF, 456KB) Download link
• Terminal illness (PDF, 279KB) Terminal illness (PDF, 279KB) Download link
• Total and permanent disability (TPD) (PDF, 357KB) Total and permanent disability (TPD) (PDF, 357KB) Download link

You'll also need laboratory reports confirming the diagnosis and operation. For example:

• Cancer claims – histopathology report and biopsy report
• Stroke claims – MRI, CT or PET scan
• Heart attack claims – ECG, cardiac enzymes and troponin results
• Coronary artery bypass claim – coronary angiogram and operation report
• Heart valve surgery claim – operation report

GlobalCare Health Plan 

Here's how to submit an inpatient claim under your GlobalCare Health Plan.

You'll need to complete a GlobalCare Health Plan inpatient claim form (PDF) . You'll also need the following documents:

• A copy of the final itemised hospital bills and / or clinic bills, and proof of payment if treatment was received in Singapore; or the originals if treatment was received outside Singapore
• A copy of the doctor's prescription for medicines purchased at an external pharmacy
• A copy of the diagnostic test result (eg laboratory result, x-ray, etc)
• A copy of the hospital's clinical summary report or doctor's memo from the private hospital or private specialist
• A copy of the final itemised medical bills and a copy of the settlement letter from your insurer or employer, if you're claiming balances from HSBC Life

Submit your completed claim form and supporting documents to us. You can do so either via the HSBC Life SG App , or by email to [email protected] . Alternatively, you can hand them to your financial consultant or adviser, or mail them to us at at the following address:

Customer Care Centre

138 Market Street #10-01 CapitaGreen

Singapore 048946

For a list of hospitals in our network, check out our global directory of hospitals .

Prime Care and Premier Care 

Here's how to submit an inpatient claim under your Prime Care or Premier Care policy.

You'll need to complete a non-death claim form (PDF) . You'll also need the following documents, depending on which policy you have and what benefits you're claiming:

1. Daily hospital cash benefit including daily room and board, intensive care unit, and / or surgical benefits

• A copy of your hospital bills
• A copy of the x-ray report or laboratory report including the histopathology report, if you're claiming for first cancer benefit
• Either a copy of the inpatient discharge summary report from a government restructured hospital; or a copy of the hospital's clinical summary report or doctor's memo from the private hospital or private specialist

2. Medical reimbursement benefits including outpatient cancer treatment, kidney dialysis, and / or inpatient major organ transplant benefits

• The original hospital bills and / or clinic bills
• A copy of the x-ray report or laboratory report, if any
• Either a copy of the inpatient discharge summary report from a government restructured hospital; or a copy of the hospital's clinical summary report or doctor's memo from the private hospital or private specialist – if this is unavailable, then we'll require a completed attending physician's statement (PDF)

Premier Care

Submit your completed claim form and supporting documents to us. You can do so either via the HSBC Life SG App , or by handing them to your financial consultant

SmartCare 

To submit an inpatient claim under your SmartCare policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

Alternatively, you can download and complete an inpatient claim form (PDF) . Then mail it to us at the following address:

HSBC Life (Singapore) Pte Ltd

10 Marina Boulevard

Marina Bay Financial Centre Tower 2 #48-01

Singapore 018983

• Letter of Guarantee procedure (PDF, 253KB) Letter of Guarantee procedure (PDF, 253KB) Download link
• Letter of Guarantee forms (PDF, 1.1MB) Letter of Guarantee forms (PDF, 1.1MB) Download link
• Inpatient, outpatient and dental claims FAQs (PDF, 163KB) Inpatient, outpatient and dental claims FAQs (PDF, 163KB) Download link

Health Cash Plan 

To submit an inpatient claim under your Health Cash Plan, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

International Exclusive 

To submit an inpatient claim under your International Exclusive policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

• Directory of international hospitals (PDF, 2.7MB) Directory of international hospitals (PDF, 2.7MB) Download link

HappyMummy and HappyFamily 

Here's how to submit an inpatient claim under your HappyMummy or HappyFamily policy.

You'll need to complete a non-death claim form (PDF) . You'll also need the following documents, depending on what benefits you're claiming:

1. Hospital care benefit for mother and / or child

2. Congenital illness benefit

• A completed attending physician's statement for the child – please call us to ask for the attending physician's statement form as it depends on the type of congenital illness you're claiming for
• A copy of the laboratory report, if any

3. Pregnancy complications benefit

• A completed attending physician's statement for the mother – please call us to ask for the attending physician's statement form as it depends on the type of congenital illness you're claiming for

HSBC Life Shield 

To make a panel specialist appointment and request a Letter of Guarantee, please call our 24/7 hotline on +65 6342 5292 .

To submit your pre or post-hospitalisation bills, please log on to HSBC Life .

You can submit an HSBC Life general care or home care claim via the HSBC Life SG App .

For more information on Letter of Guarantee (LOG) and our clinic list, please refer to the insurance product information page on our website.

Here's how to submit an outpatient claim under your GlobalCare Health Plan.

You'll need to complete a GlobalCare Health Plan outpatient claim form (PDF) . You'll also need the following documents:

Check out our list of specialist clinics .

To submit an outpatient claim under your SmartCare policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

You can also download the SmartCare outpatient claim form (PDF) , and post the completed form to us at the following address:

To submit an outpatient claim under your Health Cash Plan, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

You can also download the Health Cash Plan claim form (PDF) , and post the completed form to us at the following address:

To submit an outpatient claim under your International Exclusive policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

You can also download the International Exclusive outpatient claim form (PDF) , and post the completed form to us at the following address:

GlobalCare 

Here's how to submit a dental claim under your GlobalCare policy.

To submit a dental claim under your SmartCare policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

You can also download the SmartCare dental claim form (PDF) , and post the completed form to us at the following address:

To submit a dental claim under your Health Cash Plan, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

To submit a dental claim under your International Exclusive policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

You can also download the International Exclusive dental claim form (PDF) , and post the completed form to us at the following address:

Art claims 

Here's what you should do to make an art claim in the event of loss or damage to an insured art item.

Step 1: Take the necessary measures

• Inform us via the brokers immediately so we can take steps to prevent further damage or alert the relevant authorities
• Contact your preferred restorer – if you don't have one, contact us for advice
• Take a photo of the damage, then store the damaged items safely – do not attempt to repair, not even with super glue
• Do not throw anything away before speaking to us, even if you think it's completed ruined

Step 2: Take the necessary action for the situation

This is what you need to do, depending on what has happened.

• Call the police immediately, and notify your broker
• Provide both the police and us with photographs of the stolen items
• Reconnect the alarms as soon as possible
• List all the items that you think have been stolen so we can notify the Art Loss Register on your behalf – we'll publish any photographic records you may have of the stolen items in the trade press

Water damage:

• Remove the vulnerable or affected artworks to a dry location
• Stem the flow or catch leaking water in a bucket, and arrange for a reputable registered plumber to visit soonest
• Blot wet furniture carefully and open any drawers or doors
• Mop and blot water from the floors
• Use fans and dehumidifiers to assist in the drying process
• Move small items into a controlled environment
• Place small wooden blocks or aluminium foil under the legs of furniture that can't be moved immediately to a controlled environment; and open any drawers or doors to help the drying process

Storm damage:

1. Remove the vulnerable items from the exposed area

2. Call our art specialist on +65 6880 4888 with the following information in hand:

• Your insurance policy number
• Details of what happened and when
• A list of affected items
• The severity of the damage or loss
• If the items have been removed from your home and where they are now

3. Arrange for a reputable roofer to secure and seal any damaged roof areas soonest

Fire damage:

1. Do not attempt to clean anything – we'll appoint professionals

Step 3: File a claim

Submit a completed art claim form (PDF) to us. We may arrange a visit to discuss the details and circumstances with you. Or if appropriate, we may appoint a specialist art loss adjuster.

For more information or assistance, please call our art specialist on +65 6880 4888 at any time.

We're a founding member of the Art Loss Register. This is a computerised art index set up to log stolen artwork and compare their description against auction catalogues around the world. Any stolen items that you've insured with us are automatically logged in the system, free of charge.

Prevention is better than loss. You should have your electrical wiring, heating and plumbing checked regularly. You should also install smoke alarms.

Artwork and musical instruments are potentially vulnerable to fire, smoke, water, accidental damage and theft. But precautions can often prevent or minimise damage, so they're preserved for you and for future generations.

We visit many of our clients, and this gives us the chance to discuss security and fire protection. We can also offer advice on general risk management.

We're always looking to test and vet new products designed to minimise loss from fire and theft. This way, we can advise our clients accordingly.

We cooperate with international police forces closely. We can offer advice on art and musical instrument fraud, and assist in investigating provenances.

Golf claims 

Here's how to submit a golf claim.

Step 1: Notify us immediately and take reasonable measures

• Let us know right away once you've discovered an incident which may give rise to a claim under your policy.
• If there's evidence of criminal or malicious act involved, you should also notify the police.
• Do not admit liability without our written consent. Please refrain from discussing liability with any third parties. If you receive a writ of summons and / or correspondence from any third party that indicates their intention to claim, please submit all of it to us for our handling. A legal representative must be appointed to enter an appearance within 8 days upon receipt of the writ of summons.

You'll need to complete a golf claim online , or download and fill in golf claim form (PDF) which you can then mail to us.

You'll also need to provide the following supporting documents, depending on what type of claim you're making:

1. Personal liability

• A police report or incident report from the club
• CCTV footage showing the circumstances of the incident
• Colour photographs of all damaged property and locations, if applicable
• The original medical bills and medical report, if applicable
• The assessment report from the repairer on the cause and extent of the damaged property
• At least 2 quotations for the repair or replacement
• A copy of all correspondences exchanged between you and any third parties

2. Personal accident

• A copy of the medical report

3. Golfing equipment or personal effects

• Colour photographs of all damaged items
• The original repair or replacement receipts
• A copy of the original purchase invoices; or receipts for the lost or damaged property – if unavailable, please provide the full description of the items including make, model, age, condition, purchase date and price

4. Hole in one

• The original Food and Beverage (F&B) bill
• A copy of your hole-in-one certificate or scorecard

You can learn more in our golf claims FAQs (PDF) .

These are the forms you'll need to make an insurance claim as a business or corporation.

Work injury compensation 

Here's how you, as an employer, can submit a claim for work injury compensation.

Step 1: Report the accident within 10 days

You can submit an accident report online via the Ministry of Manpower iReport system . You must make the report within 10 days of:

• The accident, where the accident results in the death of an employee
• Your first notice of the accident, where the accident results in any incapacity that renders an employee unfit for work, regardless of medical leave type or light duties
• Receiving a diagnosis, where an employee contracts an occupational disease

Step 2: Get the required information ready

You'll need to have these documents and details on hand:

• A copy of the iReport you submitted to the Ministry of Manpower; otherwise you'll need to submit an original completed HSBC Life work injury compensation claim form (PDF)
• The original medical bills and medical certificates
• A copy of the work permit or employment pass, if the employee is a foreigner
• Copies of detailed salary payment vouchers for the injured employee in the 12 months before the accident and during their medical leave period
• A copy of the medical report or inpatient discharge summary, if available
• The number of days per week (5, 5.5 or 6 days) that the employee works
• A copy of the death certificate, if the accident resulted in the death of an employee

If the injured employee is a sub-contractor's employee or engaged in project work, please provide us with:

• A copy of the contract agreement between the insured and the sub-contractor and / or main contractor
• Colour photographs of the project title sign board located at the entrance of the project site
• A copy of the sub-contractor and / or main contractor's work injury compensation insurance policy

Submit the supporting documents, and the completed claim form, to us. You can file a claim online , or post the completed claim form to us at the following address:

You can learn more in our work injury compensation FAQs (PDF) .

Public liability claims 

Here's how you, as an employer, can submit a public liability claim.

Step 1: Take reasonable measures and notify us

You'll need to have the following supporting documents in hand:

• An incident report
• A copy of the original purchase invoices; or receipts for the lost or damaged property
• A copy of the tenancy and / or contract agreement with the independent contractors, where applicable
• A letter of intention to claim, writ of summons, etc from the third party claimant

Submit the supporting documents, and the completed claim form to us. You can file a claim online , or post the completed public liability claim form (PDF) with your supporting documents to us at the following address:

You can learn more in our public liability FAQs (PDF) .

Fidelity guarantee claims 

Here's how you, as an employer, can submit a fidelity guarantee claims

Step 1: Take reasonable measures and notify us immediately

• Give immediate notice to the police and take all practical steps to prosecute the employees involved and secure a conviction for any criminal acts they committed.
• Give us immediate notice stating the employees involved, their whereabouts, and the acts of fraud or dishonesty discovered.
• Retain all monies and other assets due to the employees involved, which caused the insured event and treat such monies or assets as deduction from the claim, to the extent allowed by the law.

Step 2:  Get the required information ready

• The police report and police investigation result
• The internal investigation result
• CCTV footage
• A letter of employment and / or termination
• A detailed description of each involved employee's job duties
• A duty roster of each involved employee
• Records supporting the amount you're claiming
• Details of restitution made by the employees involved

Submit the supporting documents, and the completed claim form to us. You can file a claim online , or post the completed fidelity guarantee claim form (PDF ) with your supporting documents to us at the following address:

You can learn more in our fidelity claims FAQs (PDF) .

Fire or property claims 

Here's how you, as an employer, can submit a fire or property claim.

Step 1: Get the required information ready and do not dispose of the damaged item

Do not get rid of the damaged item until we've settled your claim as we may need to inspect or verify the damage.

You'll also need to prepare the following supporting documents:

• A copy of the police report or incident report
• Colour photographs of all damaged property and locations
• The original repair or replacement invoices and / or receipts

Submit the supporting documents, and the completed claim form to us. You can file a claim online , or post the completed fire or property claim form (PDF) with your supporting documents to us at the following address:

You can learn more in our fire and property claims FAQs (PDF ).

Marine cargo claims 

Here's how you, as an employer, can submit a marine cargo claim.

Step 1: Notify parties immediately and conduct a survey

Ask the carrier or other bailees to attend a joint survey right away. You should also notify the following parties, depending on if the shipments are local or overseas:

• Local: notify your agent, broker or HSBC Life
• Overseas: notify the survey agent stated on your insurance certificate

Step 2: Inspect the affected containers

Conduct an inspection for any holes in the container, and perform a light leak test.

Step 3: Clause the delivery

Clause the delivery note, receipt or order if the affected containers are delivered damaged, with seals broken or missing, or with seals other than the ones stated in the shipping documents.

For Full Container Load (FCL) shipments, if the cargo is found to be damaged upon unstuffing, operations must be suspended immediately. You must also notify the surveyor or HSBC Life right away.

Step 4: Do not give clean receipts when in doubt

Do not provide a clean receipt for goods received in a doubtful condition, except in cases where a letter of protest has been written.

Step 5: Contact relevant parties in writing

Write to the relevant parties immediately, holding them liable for the loss or damage sustained. The relevant parties include but are not limited to carriers, port authorities and / or other bailees.

If the loss or damage was not apparent at the time of taking the delivery, you must give written notice to the relevant parties within 3 days.

You can refer to our marine cargo sample letter (PDF) .

You'll also need to have the following documents in hand:

• Your original policy or insurance certificate
• The original bill of Lading or airway bill
• Colour photographs of the packaging and damaged cargo
• The letter of claim or protect against the carrier and / or agents
• A copy of all correspondences exchanged between you and the carrier or other bailees
• A copy of the supplier's invoice
• A copy of the packing list
• The delivery note, receipt or order
• The duly claused delivery note
• The survey report
• The landing certificates or weight notes
• The quotations and original receipts for repairs or replacements
• A statement of claim
• Other documentary evidence of loss or damage, if any

Benefits+ 

To submit an inpatient claim under your Benefits+ by HSBC Life policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

To submit an outpatient claim under your Benefits+ by HSBC Life policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

To submit an dental claim under your SmartCare policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

To submit an dental claim under your International Exclusive policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

To submit an dental claim under your Benefits+ by HSBC Life policy, please log on to HSBC Life , or make your submission via the HSBC Life SG App .

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TravelSurance

Travel confidently with comprehensive coverage

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

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

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

Key benefits

Covered for emergencies

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

Designated loss coverage

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

Covers all ages with full benefits

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

Coverage for your phone

Get up to HKD6,000 coverage for your phone 

Limited time offer

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

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

T&Cs apply

Compare HSBC TravelSurance Plans

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

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

What's included?

Our plans generally cover:

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

Sports and Activities [@sportsactivitiestravelsurance]

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

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

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

Expand 

Travel delays and loss of documents.

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

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

• China Medical Card (PDF)

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

Credit card protection

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

• Find out more about credit card protection (PDF)

Funeral expenses

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

What's NOT included?

Our plans generally do not cover:

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

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

How to apply

Eligibility.

To be able to apply you must:

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

Important Information 

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

HSBC customers can apply for a TravelSurance policy online

Or visit a branch

You can visit one of our branches to find out more

Find out more

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

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

Can children be covered by TravelSurance policies? 

Can i buy travelsurance for my friends or their children .

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

Who can I contact for assistance in case of emergency? 

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

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

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

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

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

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

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

Are sports and activities covered by TravelSurance? 

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

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

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

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

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

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

Before your trip, you may:

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

During your trip, you may:

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

Can I claim for medical expenses incurred during my trip? 

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

You may also be interested in

Home Contents Insurance

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

Personal Accident Insurance

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

Medical and critical illness insurance

Safeguard yourself against unexpected medical expenses and critical illnesses. 

Disclaimer 

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

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

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

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

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Buying insurance

There are several ways to find and buy insurance to cover almost every risk you might encounter. They include:

• Buying insurance directly from an insurance provider or your bank - either in person, online or by phone.
• Using a price comparison website, which will compare the cost of insurance from different providers.
• Contacting an insurance broker, who will find an insurance product to suit your circumstances.

You could also be offered certain insurance coverage as part of a purchase, or have it included within a policy you already have in place.

Examples of ‘bundled insurance’ include:

• Travel insurance that comes included within the price of your holiday or travel booking.
• Breakdown coverage that comes free with your car insurance.
• Identity theft coverage that's included with a credit card. 

As well as ‘bundled insurance’ you may also be offered an extended warranty as an incentive to purchase, in addition to any warranty or guarantee period required by law.

Examples include:

• Warranty coverage that comes as part of the deal you've negotiated for a used car.
• Extended warranties and coverage that come with the purchase of new products (for example, a washing machine).

The insurance and/or warranties described in these examples may provide all the coverage you need. Be aware, however, that you may find more comprehensive, or more flexible coverage that better suits your needs if you purchase it separately.

How to compare policies and quotes

When you're looking at the coverage offered by different insurance providers, it can be hard to make a useful or meaningful comparison.

For example, one might offer a lower premium, but include a higher deductible payment in the event of a claim. Another might include a broader range of coverage and benefits, but at a higher premium.

How do you go about selecting the right policy?

• Start with the basics - make a list of all the elements of coverage, the terms and the benefits you actually need, or want.
• Focus only on the policies that provide essential coverage - all of the elements of coverage that you consider essential. Anything else offered can be considered a bonus.
• Consider what isn’t included - in many ways this is more important than what is covered. For example, your travel insurance might exclude claims relating to pre-existing medical conditions.
• Now make your final selection based on these 3 criteria - price, payment terms and, often overlooked, the provider’s reputation in the eyes of its existing customers.

Reputation matters

While price may be a deciding factor when it comes to choosing insurance, it's a good idea to check out a provider’s reputation before committing. There are plenty of review websites that will give you genuine, honest and unbiased reviews from a provider’s existing customers.

You might want to find out:

• What percentage of claims are settled without challenge?
• How easy is it to make a claim?
• How quickly are claims settled?
• How satisfied are the provider’s existing customers?

Increasingly people want to be reassured that their money is going to organizations whose values are aligned with their own. Paying a little more to insure with a brand you value and trust may be more important to you than going with the provider offering the cheapest coverage.

You may also want to do a little research about a provider’s ethical or environmental credentials before committing to them.

A few things to watch out for

• Always check the detail of an insurance quote                                          You'll want to make certain that it suits your individual needs. For example, can you pay in monthly installments?
• Make sure you provide accurate information                                         Answer any questions asked honestly when applying for a quote. If you don't, there's a chance that a claim may be reduced in value, or your policy cancelled altogether.
• Remember to update your policies                                                              Your needs will change over time and it's often a requirement of an insurance policy to let them know of any changes to your circumstances. If you don't, it’s possible for a claim to be rejected.
• Review your coverage from time to time                                                            For general insurance (e.g. car or home insurance) you could do this each time your renewal is due. For other, longer term coverage (e.g. life insurance) you could review your needs at significant life stages, like getting married, moving in with a partner or starting a family. 

Protect what matters

Protecting your wellbeing  

Protecting your identity  

Protecting what matters  

Why is insurance important and what can you protect?  

Important notice:

Due to the recent adverse weather situation in UAE, our Sharjah branch will remain closed until further notice.

Our mobile banking app, online banking and phone banking services remain fully operational.

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Travel Insurance

Alternatively please call  800 4560 .

• Instant quote & Instant cover
• Simple enrollment process
• High value cover for low premiums
• Extensive Cover options
• Global presence and worldwide arrangements
• Multilingual healthcare professionals
• 24/7 365 days a year travel assistance

Are you eligible?

You can apply for travel insurance if you are:

• a UAE resident
• a GCC resident traveling from their country of residence

Things you should know

• travel smart is one of the best travel insurance products in the market, to cover you for any medical and travel inconvenience, ensuring a worry-free holiday
• travel schengen is the compulsory minimum cover required for obtaining a visa to any Schengen country
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If it’s an overseas emergency, please call +44 1603 603 710 24 hours a day.

• If you need to make a claim, please make sure you’ve contacted your travel and accommodation provider to discuss your options. Travel insurance only provides cover for non-refundable costs.

If it’s not an emergency, the easiest way to start your claim is online. You will need the following details

• Your personal details plus details of anyone else claiming on this policy.
• Details about your trip, for example date of travel, airline if relevant.
• Details of your claim, for example the amounts that you’re claiming for.

Once you have submitted your claim, the claims team will contact you by email; usually within 10 minutes of your submission; to let you know next steps.

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Best term life insurance for 2024

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Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

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Best term life insurance companies

How to find the best term life insurance company for you, frequently asked questions.

Not everyone needs life insurance that covers you for your entire life. For anyone looking for more temporary coverage — like those with young children or a mortgage to pay off — there is term life insurance. Term life insurance provides coverage for a pre-set period of time, which is usually between 10 and 30 years. In exchange for your regularly paid premium, your beneficiaries receive a payout if you die while the policy is active. However, the payout tends to be lower compared to other types of life insurance policies. Bankrate’s guide to the best term life insurance can help you find an insurer that meets your policy needs and budget.

Compare life insurance providers quickly and easily

See which provider is right for you.

Whole life insurance combines life insurance with an investment component.

• Coverage for life
• Tax-deferred savings benefit if premiums are paid
• 3 variations of permanent insurance: whole life, universal life and variable life include investment component

Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.

• Fixed premium over term
• No savings benefits
• Outliving policy or policy cancellation results in no money back

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The best term life insurance companies depend on an individual’s needs and preferences. While your quoted premium will typically not vary as much as for life quotes as home or auto insurance, different companies do offer different coverage types and levels. We chose the following companies based on their third-party financial strength and J.D. Power customer satisfaction scores , as well as the policy options and available coverage capacities (the maximum dollar amount a policy can be). It may be helpful to start your research with the following providers:

Why we chose it: State Farm has the highest J.D. Power score for customer satisfaction on our list.

State Farm is our 2024 Bankrate Awards winner for Best Term Life Insurer for the third year in a row thanks to its superior AM Best score and near-nationwide availability. State Farm offers several term insurance products, but its return-of-premium policy option may be particularly helpful for certain term life insurance policyholders. This add-on coverage (also known as a life insurance rider ) lets policyholders choose between a 20- or 30-year payment term and receive a portion of their premiums back if they outlive the term. The return-of-premium policy can be renewed annually until age 95. While the return-of-premium option comes at an additional cost, it also builds cash value , which is rare in a term life insurance policy.

Why we chose it: Mutual of Omaha offers easy online quoting for its term life insurance policies and a wide array of riders for potential policy customization.

If you want to get an idea of how much term life insurance might cost, Mutual of Omaha offers a term life insurance quote tool online. Enter your gender, date of birth, tobacco usage and coverage amount to get a rate. Mutual of Omaha offers a plethora of additional riders that can be added to its term life policies. It should be noted that not every rider can be used with every type of policy. To verify how much coverage you need and which riders can be added to your policy, you may want to consult with an agent. This company also offers a locator service to help you find a financial advisor near you.

Why we chose it: Pacific Life has term life insurance policy options with high coverage levels.

Anyone wanting to tailor their term life insurance with riders or purchase higher coverage limits might consider Pacific Life for term life insurance. The carrier offers two policy options, Promise Term and Elite Term, both of which are convertible to cash value life insurance. Its Promise Term policy offers a minimum amount of $50,000 in coverage, while the Elite Term starts at $750,000 and goes to $3 million or more. Available options include a waiver of premium for disability, as well as a terminal illness and child term rider.

Why we chose it: Northwestern Mutual offers a wide array of informational resources and policy management tools online.

Northwestern Mutual is the largest life insurer in the U.S. by direct premiums written, with just over 7 percent of the total market share. The company has been insuring consumers for more than 150 years. Its term policies allow you to select your coverage period based on either a set amount of years or until a specific age, depending on which option is most suitable for you. Northwestern Mutual plans are also convertible to whole life insurance , meaning you may be able to adjust your policy as your needs evolve. The company’s A++ (Superior) financial strength rating from AM Best is the highest level available. However, the company only offers one term life insurance rider, so if you want greater policy customization, it may not be the carrier for you.

Why we chose it: Guardian life insurance offers four different term lengths and a long list of potential riders.

Guardian's term life insurance policies are available in four term lengths. The carrier also has a long list of riders for potential policy customization, including a guaranteed renewability clause in the event that you are diagnosed with a serious illness. However, be aware that the company does not offer a network of local agents, so if you prefer to handle your insurance needs face-to-face, you may not be satisfied with the level of service.

There are several factors to consider when shopping for a quality term life insurance policy. Since your life insurance will ultimately be responsible for providing the coverage you want for your family, these considerations may be beneficial to keep in mind when determining which provider is right for you. In addition to policy types, you could consider the following.

Consider customer satisfaction scores and financial strength ratings

Customer satisfaction scores may provide insight for consumers looking to purchase insurance products. These scores reflect how satisfied existing customers may be with the customer service and claims process. You might use these scores to get an idea of how your customer experience could be and which carrier might best fit your expectations.

A life insurance company’s financial strength score reflects its past ability to pay out claims and could help you decide if a company is financially sound. Third-party agencies such as AM Best and S&P publish financial strength ratings for each major provider.

Consider your personal situation

Term life insurance remains active for only a set number of years. To decide whether term life insurance is right for you, it may be helpful to consider what you want coverage for. Do you simply want coverage while your children are young, or would you prefer lifelong coverage?

While term life insurance may be sufficient for temporary needs, like ensuring you could pay off debt and finance college for your kids if you were to pass away, it may not be the right choice if you want coverage for longer. If you need coverage for final expenses or to take care of a lifelong dependent, permanent life insurance may be a better choice. There are several options to choose from, including:

• Whole life insurance : Whole life offers level premiums and a guaranteed death benefit for life. It also builds cash value over time, which you may be able to access through withdrawals or loans. 
• Universal life insurance : Similar to whole life, universal life offers permanent coverage with more flexibility. You can increase or decrease premium payments or the death benefit if life circumstances change. 
• Final expense life insurance : If you only need a small amount of coverage or have serious health issues, final expense life insurance may be your best option. It works like whole life, but doesn’t require a medical exam. Some policies are guaranteed issue, meaning there is no medical exam or health questions on the application. 

Compare multiple quotes

Getting quotes for different types and levels of coverage may help you get an idea of how much you’ll pay for your life insurance. However, keep in mind that term life insurance quotes for the same person and policy type likely won’t vary as much from company to company as auto insurance or home insurance quotes do.

How does term life insurance work?

Term life insurance is a type of life insurance that offers coverage for a set period of time, or term. Term life is usually the most affordable type of life insurance because it only lasts for a specific number of years, usually 10 to 30 years. Unless you buy return-of-premium life insurance, you receive nothing back if you outlive the term. However, many term life insurance policies offer the option to convert to a permanent life insurance policy at the end of the term. Many carriers also provide the option to renew a term life policy annually if you still need coverage past the expiration date.

What is the difference between term and whole life insurance?

Term insurance is designed to provide a death benefit if the insured passes away within the policy term. As the name suggests, term life insurance remains active for a predetermined “term,” which is the window of time that the policyholder chooses — typically between 10 and 30 years. When the term expires, the policyholder stops paying the premiums and the death benefit will no longer be paid out. Whole life insurance , on the other hand, is a type of permanent policy that pays out when the insured dies as long as premiums are paid. It typically contains two parts: a death benefit and a cash value component. Because whole life insurance policies usually have larger payouts, premiums can be two to three times more expensive than a term policy.

What factors impact my life insurance premium?

Life insurance premiums are largely based on mortality risk. In general, the higher the likelihood someone has of passing away while the policy is active, the higher the premium will be. Each insurer has its own underwriting algorithm for calculating your rate. Although each underwriting process is different, your age, gender, weight, health conditions, smoking history and occupation are typically used to help calculate your premium. The amount of coverage that you want to purchase is another key factor in determining the cost of life insurance . For those looking for cheap life insurance , it may be wiser to start shopping at a younger age.

Does having a preexisting condition impact my ability to purchase term life insurance?

Yes, having a preexisting condition may impact your ability to purchase term life insurance. Different conditions may be considered more or less serious by different insurers. If a life insurance provider does approve you for a term life policy with a preexisting condition, your premium may be high to reflect the health risks. Insurance providers may be more likely to approve you if you have conditions that can be managed. For instance, if you have Type 2 diabetes and maintain a healthy lifestyle, you may be more likely to be approved for term life insurance. If you have a preexisting condition, speaking with a licensed insurance agent may help you navigate your life insurance options.

Is term life insurance cheaper than whole life insurance?

The cost of life insurance will vary based on your policy details and personal rating factors, but term life insurance coverage is typically cheaper than whole life insurance, a type of permanent coverage. This is because whole life insurance is designed to offer coverage for your entire life and guarantee a payout to your beneficiaries, as long as premiums are paid and terms of the policy are met. Term coverage, on the other hand, may not pay out a death benefit if you outlive the policy term and do not renew your coverage. That being said, the cost of life insurance coverage varies based on coverage amount and individual risk rating factors, so a term policy with a high coverage amount for an older individual may cost more than a permanent policy for a younger applicant with a low coverage amount.