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Peace of mind, wherever you go

Enjoy the freedom to travel the world, safe in the knowledge that you’re covered by our comprehensive travel insurance. Insure yourself, relatives and friends with our Single Trip TravelSurance. If you’re a regular traveller, save money and never worry about forgetting to book your travel insurance again with our annual MultiTrip TravelSurance.

The policy is underwritten by AXA General Insurance Hong Kong Limited.

Key features

  • Comprehensive cover, including travel delays, personal accidents, medical expenses up to HKD1 million, and emergency medical evacuation up to HKD2 million
  • Express Claims Approval Servicefootnote1
  • 24 hour worldwide emergency assistance service
  • Free enhanced coverage upon issuance of any travel alert for the planned destination by the HKSAR Government

Extra benefits for annual MultiTrip TravelSurance

  • Significant savings if you take multiple trips in a year
  • If you travel to China frequently, enjoy more protection with the China Medical Card option under your annual MultiTrip policy
  • 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

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Multiple Purchase Additional Offer

Enjoy a HK $200 Wellcome Shopping Voucher when you apply for any 2 or more General Insurance products:

AccidentSurance, Cancer Care, FirstCare, HomeSurance, HospitalSurance, Motor Insurance, Outpatient Care, and Multi Trip TravelSurance.



Click here for Terms and Conditions.

  • Summary of cover Select to Expand Select to Collapse

    What’s included?

    Medical

    We’ll reimburse follow up medical expenses incurred during a trip within 3 months after return to the Hong Kong SAR up to HKD1 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.

    Sportsfootnote2

    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 bungee jumping, hang-gliding, parachuting, rafting, speed-boating, jet-skiing, trekking, scuba-diving (not beyond depth of 40 metres), mountaineering, rock-climbing etc.

    Baggage

    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.

    Travel delays and loss of documents

    We’ll pay up to HKD2,500 if your travel is delayed for more than 6 hours for reasons beyond your control. If you lose important documents such as your passport, we’ll cover replacement costs up to HKD5,000.

    Golfing hole-in-one

    Now you can receive up to HKD3,000 when you achieve a “Hole in One” whilst playing golf at any recognized golf course overseas.

    China Medical Card

    Simply present your China Medical Card with your ID document at hospital admission reception of more than 200 designated hospitalsfootnote3 without the need to pay any deposit in advance. The annual premium is only HKD300 per card.

  • Major exclusions Select to Expand Select to Collapse

    Unfortunately, we can’t cover you for:

    • war and related perils
    • act of nuclear, chemical, biological terrorism
    • suicide, self-inflicted injury, pregnancy, childbirth, insanity, alcoholism, venereal disease, AIDS and drug-taking
    • property otherwise insured
    • illegal acts
    • Engaging in:
      • professional sports or racing other than on foot
      • deep-water diving (40m or deeper)
      • motor rallies
      • sports or activities in return for remuneration
      • aviation other than as a fare-paying passenger

    For more details and a full list of exclusions, refer to our policy document.

  • Eligibility Select to Expand Select to Collapse

    To be able to apply you must:

    • be residents of the HKSAR applying in Hong Kong SAR
    • be HSBC credit card/account holder
    • for Adult:
      • aged between 17 to 85 years inclusive for Single Trip TravelSurance Policy
      • aged between 17 to 75 years inclusive for MultiTrip TravelSurance Policy, with renewal up to the age of 85 years inclusive
    • for Childfootnote14:
      • aged between 6 months to 16 years inclusive
      • aged 11 or below must be accompanied by an Adult
      • who is not travelling with their parents, the Child can be insured under child benefit upon payment of the adult premium

    For more details, refer to our insurance policy.

  • Additional Benefits Select to Expand Select to Collapse

    More help when you need it

    When life surprises you, additional benefits included in this policy can offer you more support.

    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 for items charged while outside the Hong Kong SAR during a trip will be covered.

    Find out more about credit card protection

    Funeral expenses

    In the unlikely event that a fatal incident occurs while you are travelling, we will pay the reasonable funeral expenses (other than the burial or cremation charges) outside Hong Kong SAR up to HKD100,000

    For more details, refer to our insurance policy.

  • Policy documents Select to Expand Select to Collapse

    All the information you need in one place

    TravelSurance full policy booklet

    See the full terms and conditions of your TravelSurance policy.

    View policy document

  • TravelSurance Coverage Select to Expand Select to Collapse

    Travel Insurance Coverage

    TravelSurance Coverage Table
    Benefits Area 1 Area 2
    Cover limits per insured person (HKD) 17 to 85 years inclusivefootnote9 Six months to 16 years inclusive 17 to 85 years inclusivefootnote9 Six months to 16 years inclusive
    a Personal accidentfootnote4
    Accidental death 600,000 120,000 1,000,000 200,000
    Loss of two eyes, two limbs or one eye and one limb 600,000 120,000 1,000,000 200,000
    Loss of one eye or one limb 300,000 60,000 500,000 100,000
    Death or permanent total disablement caused by accident in a common carrier or private car 1,200,000 240,000 2,000,000 400,000
    Permanent total disablement caused by other accidents 600,000 120,000 1,000,000 200,000
    b Credit card protection
    • Covers credit card outstanding balance payable by the insured person regarding items and sundries charged to such card while outside the Hong Kong SAR during a trip in the event of accidental death of an insured person outside the Hong Kong SAR
    • Not applicable to insured person aged under 17 years
    5,000 -Not Applicable 5,000 -Not Applicable
    c Medical and other expenses
    (i) Medical expensesfootnote4
    • Follow up medical expenses incurred within 3 months after return to the Hong Kong SAR
    • Compassionate visit up to HKD60,000
    600,000 600,000footnote3 1,000,000 1,000,000footnote3
    (ii) Repatriation of remains
    • Covers the cost for burial or cremation abroad; or the cost of transport of body or ashes to place of initial departure.
    100,000 100,000
    (iii) Return of children
    • Covers additional accommodation and travelling expenses for returning insured person's unattended child(ren) aged 16 or below back to the Hong Kong SAR in the event of insured person's accidental bodily injury or sickness resulting in hospital confinement.
    60,000 -Not Applicable 60,000 -Not Applicable
    (iv) Funeral expenses 100,000 100,000
    d Emergency medical evacuation
    • Covers expenses for evacuation as a result of an accidental bodily injury or sickness commencing during a trip.
    2,000,000 2,000,000footnote5 2,000,000 2,000,000footnote5
    e Hospital cash benefitfootnote8
    • Cash benefit for admission to a hospital abroad as an in-patient due to accidental bodily injury or sickness sustained abroad during a trip.
    6,000 (500/day, max. 12 days) 6,000 (500/day, max. 12 days)
    f Baggage and personal effects
    (Including golf equipment, cameras and video recorders)footnote6
    • Indemnifies for loss or damage to baggage and personal effects during a trip.
    20,000 (max. 3,000/item) 5,000 (max. 1,500/item) 20,000 (max. 3,000/item) 5,000 (max. 1,500/item)
    g Delayed baggage (at least 6 hours)
    • Reimburses emergency purchases of essential items or clothing due to delay or misdirection of baggage for at least 6 hours from time of arrival at destination abroad.
    2,000 2,000
    h Personal moneyfootnote6
    • Pays for accidental loss of cash or travellers' cheques.
    3,000 1,500footnote7 3,000 1,500footnote7
    i Loss of travel documentsfootnote6
    • Pays for replacement cost of accidental loss of travel documents.
    5,000 5,000
    j Personal liabilityfootnote6
    • Indemnifies against legal liability for accidental bodily injury to a third party or property damage belonging to a third party.
    2,000,000 2,000,000
    k Travel delay (at least 6 hours)
    • Pays for the delay in departure of the scheduled aircraft, sea vessel, or train for at least 6 hours due to strike or industrial action, hijack, adverse weather conditions, mechanical breakdown, structural defect of that aircraft, sea vessel of common carrier
    2,500(250 per first 6 hours & each subsequent 12 hours) 2,500(250 per first 6 hours & each subsequent 12 hours)
    l Loss of deposit or cancellationfootnote6
    • Reimburses irrecoverable payments or deposits of tour or travel or accommodation on cancellation of a trip due to:
      1. death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person's family members or close business associates
      2. witness summons, jury service or compulsory quarantine of the insured person
      3. unexpected outbreak of riot or civil commotion or strike at the planned destination
      4. serious damage of insured person's principal residence from fire, flood or natural disaster within one week from the departure date
      5. issuance of Black Alert for the planned destination
    50,000 50,000
    m Curtailment of tripfootnote6
    • Reimburses unused irrecoverable prepaid costs of trip and additional hotel and repatriation costs to the Hong Kong SAR due to necessary and unavoidable curtailment of a trip resulting from:
      1. death, serious bodily injury or serious illness of the insured person, a travelling companion, insured person's family members or close business associates;
      2. riot or civil commotion or hijack occurring outside the Hong Kong SAR which first occurs during the trip;
      3. issuance of Black Alert for the destination during the trip.
    50,000 50,000
    n Golfing 'Hole in one'
    • Pays for each time when the adult insured person achieves a 'Hole in One' whilst playing golf at any recognised golf course outside the Hong Kong SAR.
    3,000 (2,000/occurrence) -Not Applicable 3,000 (2,000/occurrence) -Not Applicable
    o China Medical Card (Optional for MultiTrip TravelSurance only)footnote8
    • Provides hospital admission deposit guarantee to the designated hospital for admission as an in-patient due to accidental bodily injury or sickness whilst travelling in mainland China
    Hospital admission deposit guarantee
    Additional benefit
    Emergency assistance service

    The coverage of 'Personal accident' and 'Medical expenses' for an insured person between the age of 76 and 85 years is limited to 30% of the sum insured.

    These items are subject to a HKD200 excess per claim (including third party property claim for personal liability) with the exception for baggage and personal effects (HKD300)

  • TravelSurance Premiums Select to Expand Select to Collapse

    Premiumsfootnote*

    TravelSurance Premiums Table
    Coverage Period (days) Self Only/
    Spouse Only/
    Child Only/
    Each friend or relative
    (HKD)
    Self & Spouse
    (HKD)
    Self & Childrenfootnote12/
    Spouse & Childrenfootnote7
    (HKD)
    Self, Spouse & Childrenfootnote13
    (HKD)
    Area 1 Area 2 Area 1 Area 2 Area 1 Area 2 Area 1 Area 2
    1 92 194 174 367 149 312 222 464
    2 92 194 174 367 149 312 222 464
    3 92 194 174 367 149 312 222 464
    4 116 231 217 437 186 371 277 551
    5 134 257 255 490 217 415 322 618
    6 173 303 327 575 279 488 415 727
    7 196 309 370 585 317 497 471 738
    8 215 322 408 613 346 520 515 774
    9 236 347 450 660 381 560 568 833
    10 285 387 541 733 461 622 686 925
    11 299 404 568 766 485 649 720 965
    12 313 421 595 799 509 676 754 1,005
    13 327 438 622 832 533 703 788 1,045
    14 341 455 649 865 557 730 822 1,085
    15 355 472 676 898 581 757 856 1,125
    16 369 489 703 931 605 784 890 1,165
    17 383 506 730 964 629 811 924 1,205
    18 397 523 757 997 653 838 958 1,245
    19 411 540 784 1,030 677 865 992 1,285
    20 425 557 811 1,063 701 892 1,026 1,325
    21 439 574 838 1,096 725 919 1,060 1,365
    22 453 591 865 1,129 749 946 1,094 1,405
    23 467 608 892 1,162 773 973 1,128 1,445
    24 481 625 919 1,195 797 1,000 1,162 1,485
    25 495 642 946 1,228 821 1,027 1,196 1,525
    26 509 659 973 1,261 845 1,054 1,230 1,565
    27 523 676 1,000 1,294 869 1,081 1,264 1,605
    28 537 693 1,027 1,327 893 1,108 1,298 1,645
    29 551 710 1,054 1,360 917 1,135 1,332 1,685
    30 565 727 1,081 1,393 941 1,162 1,366 1,725
    From the 31st day
    (per day)
    18/day 25/day 35/day 47/day 30/day 40/day 44/day 60/day
    MultiTripfootnote11
    (per annum)footnote10
    1,198 1,892 2,012 3,148 1,818 2,826 2,572 4,082

    *The above premiums will be effective from 4 December 2016 onwards.

    The premiums are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.

    Note (Only applicable to TravelSurance (Single Trip)):

    1. For extension period of insurance after the policy is issued, please call Insurance Service Hotline on (852) 2867 8678(852) 2867 8678 or visit our branches for arrangement before the expiry of policy. The extension will be applicable to all the insured persons under the policy. The minimum additional premium is HKD30.
    2. Once the application is approved, the premium will not be refundable unless you cancel the policy upon issuance of a travel alert for the planned destination by the Government of HKSAR.

Manage your policy online

At HSBC, we understand life never stands still. Which is why you can make changes to your policy online anytime.

It's easy to:

  • check or review your policy details
  • change your payment instructions, including your premium payment account, payment method or payment frequency
  • review your claims history

You can also call our Insurance Service Hotline at (852) 2867 8678 (852) 2867 8678.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.

You may submit a claim online anytime or call our claims hotline on (852) 2288 6808 should you require any help.

Home Insurance

Our home insurance (HomeSurance) 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.

Health Insurance

Focus on your own health and your family’s wellbeing with our flexible medical insurance options. Choose the perfect options for each family member.

Yes, non-HKID holders can apply for TravelSurance as long as the trip starts from, and returns to, the Hong Kong SAR. Please call (852) 2867 8678 (852) 2867 8678 or visit any HSBC branch in Hong Kong for application.

TravelSurance is specially designed for individuals who are travelling on a journey for leisure or business purpose. The journey should originate from the Hong Kong SAR and the period of travel is not longer than 180 days.

Yes. Please call (852) 2867 8678 (852) 2867 8678 (during office hours) or the Emergency Assistance Hotline (852) 2528 9333 (852) 2528 9333 before the covered period ends for enquiry on arrangement.

TravelSurance covers various kinds of sports and activities provided you don't engage in such activities as a professional or in return for remuneration. For example, you are covered for 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 also covers certain hazardous sports activities such as bungee jumping, hang-gliding, parachuting, rafting, speed-boating, jet-skiing, trekking, scuba-diving (not beyond depth of 40 metres), mountaineering, rock-climbing etc.

The following sports and activities are excluded from TravelSurance: racing other than on foot, deep water diving (beyond depth of 40 metres), motor rallies and competitions, professional sports or sports in return for remuneration, aviation other than as a fare-paying passenger in a licensed aircraft operated by a recognised airline.

You can call Emergency Assistance Hotline on (852) 2528 9333 (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.

You have to bear:

  • the first HKD300 for any claim under "Baggage and Personal Effects";
  • the first HKD200 for any claim under "Personal Money and Travel Documents", "Loss of Deposit or Cancellation" and "Curtailment of Journey";
  • the first HKD200 for third party property claim for "Personal Liability".

End Notes Select to Expand Select to Collapse

1 Any qualified case for claim amount below HK$5,000 will be processed immediately and claims payment will be approved within 2 working days upon receipt of all required documents as may be required by AXA General Insurance Hong Kong Limited (AXA). Should further information be required, AXA will send a follow up letter to the claimant within 5 working days.
2 The following sports and activities are excluded from TravelSurance: racing other than on foot, deep water diving (beyond depth of 40 metres), motor rallies and competitions, professional sports or sports in return for remuneration, aviation other than as a farepaying passenger in a licensed aircraft operated by a recognized airline.
3If you enrolled your China Medical Card before Dec 1st 2007, this hospital list is not applicable. Please call the insurance service hotline on (852) 2867 8678 to check the applicable hospital list.
4 The coverage of 'Personal accident' and 'Medical expenses' for an insured person between the age of 76 and 85 years is limited to 30% of the sum insured. For an insured child, 'Personal accident' benefit is limited to 20% of the sum insured. The follow up medical expenses include Chinese medicine, bonesetting and acupuncture fees (HKD100 per visit per day up to HKD1,000).
5 In total amount for all insured children.
6 These items are subject to a HKD200 excess per claim (including third party property claim for personal liability) with the exception for baggage and personal effects (HKD300).
7 For an insured child who is not travelling with parents, and has paid an adult premium.
>8 No benefit is payable for hospitalisation relating to pre-existing condition.
9 Insured person must be aged between 6 months and 85 years inclusive for Single Trip TravelSurance application. Insured person must be aged between 6 months and 75 years inclusive for MultiTrip TravelSurance application. MultiTrip TravelSurance is renewable up to the age of 85 years inclusive.
10 Annual premium of the China Medical Card is not included.
11 The premiums of MultiTrip TravelSurance are not guaranteed to remain unchanged and AXA General Insurance Hong Kong Limited reserves the right to vary the premiums of the policy.
12 'Children' refers to any dependent unmarried child, including any stepchild and legally adopted child of the insured, who are aged between 6 months to 16 years (inclusive).
13 'Self, Spouse & Children' means immediate family and is limited to the insured, his/her spouse and their children. A separate adult policy is required for children aged 17 years and above.
14Online application is not available for Child aged under 12 years who is not travelling with parents. His/her parent, legal guardian or relative may visit any HSBC branch for application.
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 Commissioner of Insurance 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 Companies 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.