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Insurance Company |
HSBC Travel Insurance |
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Description |
HSBC TravelSurance offers multiple travel insurance plans suitable for different travellers' needs, covering Asia and global regions, providing protection for medical expenses, baggage loss, flight delays, and more. It also provides emergency medical evacuation and post-return medical coverage, making it suitable for travellers who prioritise comprehensive protection. |
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Advantages |
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Disadvantages |
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Whether you're comparing credit cards, loans, or travel insurance, we comprehensively analyse based on premiums, coverage scope, and user reviews to help you easily select the most suitable product for you.
What is HSBC Travel Insurance?
HSBC travel insurance, "TravelSurance", is a protection plan launched by HSBC to provide comprehensive coverage during your journey. Whether for single trips, multiple journeys throughout the year, or short trips to the Greater Bay Area, HSBC offers corresponding plans to meet different travellers' needs.
This insurance covers emergency medical expenses, trip cancellation, baggage delay, mobile phone damage, and personal liability, among other protections. The "Worldwide Standard Plan" provides up to HKD 5 million in medical expense coverage, making it a popular choice for many Hong Kong travellers.
What Does HSBC Travel Insurance Cover?
HSBC travel insurance offers diverse protection items, depending on the selected plan. The following is the main coverage scope:
- Medical Protection: In case of accidents or illness during travel, you can receive compensation up to HKD 5 million, including follow-up medical expenses within 3 months after returning to Hong Kong.
- Trip Cancellation and Changes: Reimbursements for losses caused by trip cancellation, flight change, or accommodation change due to unexpected situations.
- Baggage Protection: Lost or delayed baggage can be reimbursed for up to HKD 20,000, including coverage for mobile phone and personal item damage.
- Personal Accident and Liability: Providing up to HKD 10 million coverage if you cause injury to others or property damage during your trip.
- Sports and Activity Coverage: Covering various leisure and high-risk activities, such as skiing, parachuting, hot air ballooning, etc.
Whether for short-term travel, business trips, or multiple trips throughout the year, HSBC offers flexible options allowing you to choose the appropriate insurance plan based on your actual needs.
The Overview of HSBC Travel Insurance Policy
HSBC's "TravelSurance" travel insurance offers extensive coverage suitable for different types of travellers' needs. Products are divided into Single Trip and annual MultiTrip types, with further options to select Asia and Worldwide plans, allowing users to freely choose the most appropriate protection level based on trip duration, location, and budget.
Single Trip Policy
HSBC travel insurance’s Single Trip Policy is designed for short-term travellers and is divided into "Asia Basic Plan," "Asia Standard Plan," "Worldwide Basic Plan," and "Worldwide Standard Plan." These plans mostly provide comprehensive medical coverage, high-risk activity protection, and personal property and baggage loss coverage.
- Asia Basic Plan: Suitable for short-haul travel, this plan provides up to HKD 600,000 medical coverage, balancing budget and basic protection needs.
- Asia Standard Plan: Offers up to HKD 5 million medical coverage and HKD 20,000 baggage protection, suitable for longer stays or more activity-filled trips in Asia.
- Worldwide Basic Plan and Worldwide Standard Plan: Suitable for travellers going to Europe, the Americas, or other regions, this plan covers various medical and property loss protections, with compensation up to HKD 5 million.
MultiTrip Policy (Annual Coverage)
For business travellers or travel enthusiasts who travel multiple times a year, HSBC's annual travel insurance policy is a more cost-effective option.
- Worldwide Plan (Multiple Trips): Premium only needs to be paid once, with unlimited trips throughout the year. Maximum coverage is 100 days per trip, including MyDoc Health Passport virtual medical consultation and China Medical Card services.
- Greater Bay Area Plan: Designed for users who frequently travel to mainland China, this plan offers a maximum coverage of 15 days per trip, providing a designated hospital admission deposit guarantee and basic medical coverage.
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Plan Options |
Medical and Other Expenses |
Personal Accident |
Baggage and Personal Effects |
Personal Liability |
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Greater Bay Area Plan (MultiTrip Only) |
HKD 300,000 (Inpatient Only) |
HKD 500,000 |
HKD 1,000 |
HKD 500,000 |
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Asia Basic Plan (Single Trip Only) |
HKD 600,000 |
HKD 500,000 |
HKD 8,000 |
HKD 10,000,000 |
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Asia Standard Plan (Single Trip Only) |
HKD 5,000,000 |
HKD 1,200,000 |
HKD 20,000 |
HKD 10,000,000 |
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Worldwide Basic Plan (MultiTrip and Single Trip) |
HKD 1,000,000 |
HKD 800,000 |
HKD 8,000 |
HKD 10,000,000 |
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Worldwide Standard Plan (MultiTrip and Single Trip) |
HKD 5,000,000 |
HKD 2,000,000 |
HKD 20,000 |
HKD 10,000,000 |
Long-Haul Traveller Exclusive Services
HSBC TravelSurance’s annual policy not only covers traditional travel protection but also includes several value-added services:
- MyDoc Health Passport for Virtual Medical Consultation: During the policy period, enjoy up to 6 free consultations in Japan, Singapore, Thailand, Vietnam, and other places.
- China Medical Card Service: Enjoy a hospital admission deposit guarantee at designated hospitals in mainland China.
- 24/7 e-Policy Servicing: After purchasing insurance, you can check your policy or apply for policy services anytime on the personal online banking platform.
HSBC travel insurance plans are highly flexible with a wide range of coverage. Whether you're seeking practicality, focusing on medical protection, or hoping for worry-free travel every time, you can find the most suitable option in "TravelSurance."
Want to learn more about HSBC travel insurance details? Check out Money Hero's HSBC Travel Insurance comparison page right now to compare the coverage and compensation of different plans and select the travel protection plan that best suits your needs!
Additional Options
Compared to some insurance products overseas, HSBC Travel Insurance has relatively fewer add-on options. Although the policy itself already covers most common travel risks, it currently does not offer advanced additional coverage options such as the "Cancel for Any Reason” option.
However, in certain specific situations, such as when the insured cannot travel due to personal reasons or sudden circumstances, HSBC's trip cancellation and curtailment protection may cover part of the cost, depending on the selected plan and policy terms.