Premier Worldwide Travel Insurance

The cover is for you (the HSBC Insurance Premier holder) and your domestic partner -provided that you are both under 70 years of age on the start date of your trip - and any dependent children or grandchildren travelling with you.

Your children are also covered if they're staying with a close relative, travelling with a relative who's over the age of 23, or going on a school/college trip independently with a teacher.

Grandchildren covered by this policy must be under the age of 23, and are not required to live with you.

All insured persons must be residents of the UK, Channel Islands or Isle of Man.

Before you book your trip, you'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 if in the last 12 months, you or any insured person have:

• been prescribed medication
• received or are awaiting medical treatment, tests or investigations
• been referred to a specialist
• been admitted to a hospital for any condition not listed on the accepted conditions list in the 'Your Health' section of the policy booklet

Before you travel, you should also tell us if there have been any changes to your health or if you've been referred to a consultant/specialist or admitted to a hospital.

Undiagnosed symptoms are not covered. There is no cover for any claim where you knew that you or your travelling companion may be unable to travel or may need to come home early at the time you opened your HSBC Premier Account or booked your trip (whichever is later), e.g. one of you fell ill.

Pre-existing conditions are not covered at any time under the policy unless listed on the accepted conditions list, or were disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

Yes. Holidays in the UK, Channel Islands or Isle of Man need to involve a stay of at least 2 consecutive nights. This can be in pre-booked holiday accommodation and/or with pre-booked flights or ferry crossings.

Please see our definition of "pre-booked holiday accommodation" in your policy document.

Yes. You're covered for up to 31 days in any calendar year if you travel outside of the UK to carry out office-based clerical or administrative duties.

We do not cover any other types of business travel even if you have some leisure time during your trip.

You may be able to purchase a policy upgrade for an individual trip. This will extend the trip duration to a maximum of 120 days.

Please call us on 0800 328 1562 at the point of booking your trip, and one of our advisors.

Yes. While there isn't a specific cruise policy, cruises are covered as standard since they're simply another type of holiday. However, there is no cover for some items that cruise policies may specifically cover, e.g. missed ports, unused excursions, and change of itinerary.