To help you understand what you are covered for at a glance, we've highlighted some common questions below.
Who is covered by this policy?
Cover is for you, the HSBC Insurance Aspects holder(s), your domestic partner (providing you are both under 70 years of age at the start date of your trip), and your children travelling with you if they are under 18 years of age (or under 23 if in full time education and living with you outside of term time). All insured persons must be residents of the UK, Channel Islands or Isle of Man.
Do I need to tell you that I am travelling?
No. As long as you have told us about any relevant pre-existing medical conditions you do not need to register with us or tell us that you are travelling.
Do you need to know about any medical conditions?
You will need to call the HSBC Medical Risk Assessment Helpline on 08000 517 142 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the Your Health section of the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.
There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your HSBC Insurance Aspects or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.
Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.
What is the maximum trip length?
Trips should be no longer than 31 days and must start and end in the UK, Channel Islands or Isle of Man. However, when booking your trip, you may be able to purchase an upgrade to cover an extended duration.
What upgrades are available on this policy?
The following upgrades may be available for an additional cost: extended trip duration up to a maximum of 120 days; increased cancellation/abandonment cover to £7,500 per person; increased cover for golf equipment and fees. For further information please see your policy document.
Are holidays in the UK covered?
Yes. Holidays in the UK, Channel Islands or Isle of Man need to involve a stay of at least 2 consecutive nights in pre-booked holiday accommodation. Please see our definition of "pre-booked holiday accommodation" in your policy document.
Are winter sports holidays covered?
Yes. Winter sports holidays are covered for up to a maximum of 31 days in any calendar year. Please see the full details of what's covered in your policy document.
Are Business Trips covered?
Yes. If you travel outside of the UK to carry out office-based clerical or administrative duties you are covered up to a maximum of 31 days in any calendar year. We do not cover any other type of business travel even if you have some free leisure time during your trip.
Can I claim for cancellation of my trip if I have a problem with my travel documents eg my passport is out of date/not arrived in time or visa is invalid?
No. There is no cover under this policy for problems with your travel documents before you leave. If your passport is lost, stolen or damaged once you are abroad there is cover to help you in this situation. Please see the Emergency Travel Document Expenses section in your policy document. Before you book a trip, check the entry requirements of the country you intend to visit with the local government embassy and/or the Foreign & Commonwealth Office website.
How do I make a claim?
To make a claim please call the relevant number shown on the Get In touch page and refer to the information in your policy document.
