HSBC The world's local bank

Be covered for your lifetime.

Covers	Protection type	Premiums	Fixed sum	Automatic renewal
Worldwide family travel	Instant	Just AED 239 a year	Yes	Yes

Emergency medical expenses

Here's what you get:

• Emergency medical expenses covered - if you're in an accident or get sick overseas
• Up to USD $60,000 for medical treatments - as long as your condition isn't pre-existing

Emergency medical evacuation

Here's what you get:

• Emergency medical expenses covered - if you're in an accident or get sick overseas
• Up to USD $30,000 to cover an emergency evacuation
• Transportation costs covered - for immediate medical attention

Plus:

• Medical treatment, services, and supplies expenses covered

Flight delay

Here's what you get:

• Additional expenses covered for a flight delay - up to USD $250
• Delays must be over 12 hours and due to bad weather, employee strike or equipment failure
• Benefits are paid by the hour - get back $50 per hour, up to 5 hours

Baggage loss

Here's what you get

• Covers lost baggage due to theft or lost by common flight carrier
• Reimburses baggage replacement and its contents - up to USD $500
• Maximum value claimed per bag is USD $250 and per article is USD $50

Baggage delay

Here's what you get:

• Reimbursement of necessary personal items - up to USD $500
• Covered for delays or misdirected baggage by a common carrier
• Baggage must be missing for at least 4 hours

24-hour assistance

Here's what you get:

• Medical assistance
• Medical evacuation
• Repatriation

• Legal assistance
• Loss of luggage or passport
• General assistance

• Pre-departure service
• Emergency travel agency
• Emergency cash transfers and advances

See the table below for what you can be covered for, for just AED 20 a month.

Your Travel Insurance will be automatically renewed, unless you choose to cancel prior to the renewal date. Please send your cancellation in writing to the American Home Assurance Company.

You can get HSBC Travel Insurance if:

• You're a UAE resident
• You're aged between 18 to 69 years old. This applies to your spouse too
• Your children are above 3 months and under 19 years old. Or if they're studying full-time, up to 23 years old. They must be unmarried and primarily dependent on you
• You hold accounts or credit cards with HSBC

Like any insurance policy, Travel Protection does not cover injuries resulting from certain events, such as:

1. War or warlike operations
2. Flying as a pilot or crew member on any aircraft
3. Playing a professional sport
4. Intentional self-injury or suicide
5. Criminal or illegal acts

Exclusions have been kept to a minimum. Details of full exclusions will be available on the policy terms & conditions.

How much is my spouse insured for?

Your spouse is insured for the same amount that you have chosen for yourself.

Will Travel Protection cover me while I’m flying?

Yes, provided you are flying as a fare-paying passenger and not as a member of the crew.

What is the Sum Insured for each of my children?

Each of your children is insured for the same amount as yourself.

What is 'Emergency Evacuation'?

Emergency Evacuation means taking the insured person from one place to another where medical attention can be provided to him. The Emergency Evacuation must be ordered by American International Group International Services (American Home Assurance Company IS) or a physician who certifies that the severity or the nature of the person’s injury or sickness warrants the person’s evacuation.

What items are covered under baggage loss?

This coverage is only for common carrier checked-in baggage. Other valuables misplaced or stolen will not be covered.

How many trips can I take in a year or before the expiry of the policy?

There is no restriction on the number of trips. You can take as many trips as you want.

What if I leave HSBC, can I still keep my insurance coverage?

Yes.

Do I have to use an HSBC credit card to pay the premium?

No, you can pay with any credit card. You just have to have a relationship with HSBC to be eligible for Travel Protection.

When does my coverage start?

Subject to payment of the premium, premium charged to the insured Person’s credit card, the insurance applied for shall be effective from the policy effective date.