TravelSurance

Comprehensive protection whenever you travel

TravelSurance protects you, your family, friends and relatives from the moment you book a trip all the way until you return home.
This all-in-one policy provides you with a hassle-free protection for a specific trip, including accidental injuries, medical and
hospital expenses, personal liabilities, lost baggage and cash, delayed flights, stolen belongings, etc.
If you are a frequent1traveller, you can be protected under our MultiTrip TravelSurance. It provides covers for all the trips you may
take during the year ,so you don’t have to re-apply every time you travel. In addition to Worldwide coverage, if your destination
is within the Greater Bay Area, then our MultiTrip TravelSurance - Greater Bay Area Plan is tailored for you, ensuring you have
the right protection while exploring this exciting area throughout a year, at an even more affordable price.
From now on, you will find yourself in a pair of good hands by taking out our TravelSurance as we will offer you protection
against Travel Alerts, and let you experience the way we “insure your emotion”!
1
The journey should originate from Hong Kong SAR and the period of travel is up to 100 days per trip for MultiTrip Worldwide Plan, and up to 15 days per trip for
Greater Bay Area Plan.

Eligibility
• Applicant must be a HSBC credit card/account holder
• Covers all ages:
• Adult: 18 years old or above
• Child: Under 18 years old (parent’s or legal guardian’s# information must be provided). A child under 12 years old must be
accompanied by an adult during any trips
• A maximum of 12 insured persons (including a maximum of 6 children) can be covered under one policy
# Child’s parent or legal guardian must be the policyholder

Benefits Greater Bay Asia Worldwide

Area Plan (Single Trip only) (MultiTrip / Single Trip)
Maximum Benefit Limit Per Insured
Person Per Trip (HKD) (MultiTrip only) Basic Plan Standard Plan Basic Plan Standard Plan
Section 1 – Personal Accident

Section Limit 500,000 500,000 1,200,000 800,000 2,000,000

Sublimit
Personal Accident
• Accidental Death and Permanent 500,000 500,000 1,200,000 800,000 2,000,000
Disablement

Credit Card Protection (not applicable to

Children and on top of the Section Limit)
• Covers outstanding HSBC credit card Not Covered 50,000 50,000 50,000 50,000
balance payable by an insured person for
items and sundries purchased and charged
to such card while outside Hong Kong
SAR during a trip in the event of accidental
death of an insured person outside Hong
Kong SAR
Compassionate Death Cash
• Provides immediate cash relief payment if 20,000 Not Covered
an insured person suffers accidental death
due to accidental bodily injury when abroad
Section 2 - Medical and Other Expenses

Section Limit 300,000 600,000 5,000,000 1,000,000 5,000,000

Sublimit
1. Medical Treatment Expenses2
• Covers medical expenses, additional Fully Covered
Fully Covered
accommodation and travelling expenses (In-patient only)
due to accidental bodily injury or sickness
sustained during trip abroad
2. Family Member Travelling Overseas to
Visit Hospitalised Insured Person
• Covers family member's accommodation 30,000 80,000 30,000 80,000
and travelling expenses if the insured Not Covered (1 person) (1 person) (1 person) (1 person)
person is confined in an overseas hospital
due to his/ her accidental bodily injury or
sickness
3. Follow-up Medical Treatment within 3
months of End of Trip
• Covers for follow-up medical treatment
upon return to Hong Kong SAR due 10,000 Fully Covered
to accidental bodily injury or sickness
sustained during trip abroad

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4. Returning Child(ren) to Hong Kong SAR
• Covers additional accommodation and
travelling expenses for returning insured
person’s unattended child(ren) aged below
18 back to Hong Kong SAR in the event Not Covered 60,000 Fully Covered 60,000 Fully Covered
of insured person being confined in an
overseas hospital due to his/ her accidental
bodily injury or sickness

5. Interpretation Service in Overseas

Hospital
5,000
• Covers costs of hiring a translator whilst an Not Covered
(500 per day)
insured person is confined in an overseas
hospital
6. Trauma Counselling
• Pays for the counseling fees if the insured
Not Covered Not Covered 25,000 Not Covered 25,000
person is a witness and /or victim of a
traumatic event
7. Virtual Medical Consultation3
• Provides virtual medical consultation
6 free consultation services per Period of Insurance
through MyDoc Health Passport in specific Not Covered
(applicable for MultiTrip only)
locations of Japan, Thailand, Vietnam and
Singapore
Sub-limit for 1. and 3. above for Chinese 1,500 1,000
Medicine Practitioner (150 per day) (100 per day)

Section 3 – Overseas Emergency Assistance

3A. Emergency Medical Evacuation
• Covers expenses for evacuation as a
result of an accidental bodily injury or Fully Covered Fully Covered
sickness sustained abroad during a trip
3B. Repatriation of Remains
• Covers the cost for burial or cremation
abroad; or the cost of transport of body or Fully Covered Fully Covered
ashes back to Hong Kong SAR
3C. Overseas Funeral Expenses
• Covers the cost for funeral abroad Not Covered 100,000

Section 4 – Overseas Hospital Cash2

• Cash benefit for admission to a hospital

abroad as an in-patient due to accidental 6,000
Not Covered
bodily injury or sickness sustained abroad (500 per day)
during a trip

Section 5 - Baggage and Personal Effects

5A. Baggage and Personal Effects

Section Limit 1,000 8,000 20,000 8,000 20,000

Sublimit

1. Sports equipment, photographic equipment 500 1,500 6,000 1,500 6,000

and electronic items (excluding mobile
phone which is covered under item 2 below
or Section 5B)
Limit per item/pair/set

2. Mobile phone Covered under 2,000 6,000 2,000 6,000

Limit per item (subject to 20% excess for Section 5B
each claim)

3. Suitcase – Limit per item 300 1,000 1,000 1,000 1,000

4. Others – Limit per item/pair/set 500 1,500 3,000 1,500 3,000

5B. Mobile Phone

Limit per item (subject to 20% excess for 2,000 Covered under Section 5A
each claim)

Section 6 – Delayed Baggage (over 6 hours)

• Reimburses emergency purchases of

essential items or clothing due to delay or
misdirection of baggage for at least 6 hours Not Covered 1,000 2,000 1,000 2,000
from time of arrival at destination abroad

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Section 7 – Personal Money/Unauthorised Use of Credit Card, Travel Documents & Travel Tickets

7A. Personal Money/Unauthorised Use of

Credit Card
• Pays for accidental loss of cash, travellers’
cheques etc. (not applicable to Children
except aged 12 or above and travelling Not Covered 1,500 5,000 1,500 5,000
alone; limited to HKD1,500)
• Indemnifies the monetary loss caused
by unauthorised use of credit card in the
event of loss of card during the trip
7B. Travel Documents & Travel Tickets
• Pays for replacement cost, transportation 2,000 10,000 10,000 10,000 10,000
and accommodation cost due to (accommodation: (accommodation: (accommodation: (accommodation: (accommodation:
accidental loss, theft, robbery or burglary 500 per day) 500 per day) 1,000 per day) 500 per day) 1,000 per day)
of travel document & travel ticket

Section 8 – Personal Liability

• Indemnifies an insured person’s legal

liability for accidental bodily injury to a third
500,000 10,000,000
party or damage to property belonging to a
third party
Section 9 – Travel Delay [(9A and/or 9B) OR 9C]
Covers for the departure or arrival delay of the scheduled common carrier from the time specified in the original travel itinerary due to strike or
industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical and/or electrical breakdown or structural defect of
scheduled aircraft, sea vessel, train or other common carrier
9A. Cash Allowance 950 2,000 2,500 2,000 2,500
Sublimit
300 for each 6 hours
(a) Common Carrier
(excluding high-
• Provides cash allowance for every 6 hours 200 for each 6 250 for each 6 200 for each 6 250 for each 6
speed rail train which
of departure or arrival delay of the same hours hours hours hours
is covered under
common carrier. You can only claim for
Section 9A(b))
either departure delay or arrival delay
(b) High-speed Rail Train
• Provides cash allowance for every 3 hours 350 for first 3 hours
of departure or arrival delay of a high- and 300 for each 3 Covered under Section 9A(a)
speed rail train hours hereafter

9B. Trip Re-routing Costs 1,200 Not Covered 4,000 Not Covered 4,000
Sublimit
1,200
(a) Common Carrier
(excluding high- 4,000 4,000
• Pays for additional accommodation and
speed rail train which Not Covered (accommodation: Not Covered (accommodation:
re-routing costs if the scheduled common
is covered under 2,000 per day) 2,000 per day)
carrier is cancelled due to delay for at
Section 9B(b))
least 6 hours
(b) High-speed Rail Train
• Pays for additional accommodation and
for re-routing costs if the scheduled high- Covered under Covered under
1,200 Not Covered Not Covered
speed rail train is cancelled due to delay Section 9B(a) Section 9B(a)
for at least 3 hours

OR

9C. Catch Up ticket costs

• Pays for costs of replacement travel Not Covered Not Covered 2,000 Not Covered 4,000
tickets in order to catch up with travel
plan due to travel delay for at least 6
hours
Note: If Sections 9A and/or 9B are payable,
Section 9C will not be payable, and
vice versa

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Section 10 – Trip Cancellation or Loss of Deposit and Trip Curtailment

Section Limit 5,000 25,000 50,000 25,000 50,000

10A. Trip Cancellation or Loss of Deposit

• Reimburses irrecoverable payments

or deposits of tour, transportation or
accommodation on cancellation of a trip
due to:

(a) death, serious bodily injury or serious

illness of the insured person, a travelling
companion, insured person’s family
members or close business associates;
(b) witness summons, jury service or
compulsory quarantine of insured
person;
(c) unexpected outbreak of riot or civil
commotion, strike, terrorism, natural
disasters or adverse weather conditions 5,000 25,000 50,000 25,000 50,000
at the planned destination arising out of
circumstances beyond the control of the
insured person;
(d) serious damage of insured person’s
principal residence from fire, flood or
natural disaster within one week from
the departure date;
(e) issuance of Black or Red Travel Alert
(except for the reason of a pandemic) for
the planned destination. This benefit is
not applicable for Greater Bay Area plan

Note: Upon Red Travel Alert, payable up to

50% of the irrecoverable deposits or
charges paid in advance

10B. Trip Curtailment

• Reimburses unused irrecoverable prepaid

transport and accommodation costs of
trip OR additional accommodation and
travel costs back to Hong Kong SAR due to
necessary and unavoidable curtailment of a
trip due to:

(a) death, serious bodily injury or serious

illness of the insured person, a travelling
companion, insured person’s family
members or close business associates;
(b) unexpected outbreak of riot or civil
commotion, strike, terrorism, natural
Not Covered 25,000 50,000 25,000 50,000
disasters, adverse weather conditions
or hijack occurring at the planned
destination arising out of circumstances
beyond the control of the insured
person;
(c) serious damage to insured person’s
principal residence from fire, flood or
natural disaster;
(d) issuance of Black Alert or Red Alert for
the destination during the trip

Note: Upon Red Travel Alert, payable up to

50% of the unused irrecoverable prepaid
costs or additional travel-related costs

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 Section 11 – Missed Event

• Reimburses for unused and irrecoverable

prepaid tickets costs included a trip that is
arranged by travel agent or purchased by
you due to:
(a) death, serious bodily injury or serious
illness of the insured person, a travelling
companion, insured person’s family
members or close business associates;
(b) unexpected outbreak of riot or civil
commotion, strike, terrorism, natural
disasters, adverse weather conditions
or hijack occurring at the planned
destination arising out of circumstances
beyond the control of the insured
person;
(c) issuance of Black or Red Travel Alert
(except for the reason of a pandemic) for
the planned destination before the trip 1,000 Not Covered 10,000 Not Covered 10,000
(this benefit is not applicable for Greater
Bay Area plan);
(d) issuance of Black or Red Travel Alert for
the planned destination during the trip
(this benefit is not applicable for Greater
Bay Area plan);
(e) at least 6 hours of travel delay due
to strike or industrial action, hijack,
adverse weather conditions, natural
disasters, airport closure, mechanical
and/or electrical breakdown, structural
defect of the aircraft, sea vessel, train or
common carrier

Note: Upon Red Travel Alert, payable up to

50% of the irrecoverable prepaid ticket
cost

Section 12 – Rental Vehicle Excess

Section Limit
• Pays for motor insurance policy excess or Not Covered Not Covered 6,000 Not Covered 6,000
deductible for vehicle rented during a trip

Additional Benefit

• Emergency assistance service – provides

24 hours support for services covered Covered
under the policy

Section 13 – China Medical Card

• Provides hospital admission deposit

guarantee to the designated hospital for
Covered
admission as an in-patient due to accidental Not Covered Not Covered Optional Cover for MultiTrip Only
(Free of charge)
bodily injury or sickness whilst travelling in
mainland China
2
No benefit is payable for hospitalisation relating to pre-existing condition.
3
Virtual Medical Consultation is provided by MyDoc Health Limited which is an independent third party service provider and is not an agent of HSBC/AXA. HSBC/
AXA shall make no representation, warranty or undertaking as to the availability of such Virtual Medical Consultation and shall not be liable to the insured person
or any other person in any respect of any loss, damage, expense, suit, action or legal proceeding suffered or incurred by any of them, whether directly or indirectly,
arising from or in connection with the services provided or advice given by MyDoc Health Limited or its agents, or the availability of such service. Virtual Medical
Consultation is subject to local regulatory requirements of doctors to provide the service from time to time. HSBC/AXA reserves the right to change the provider of
Virtual Medical Consultation or suspend Virtual Medical Consultation from time to time without prior notice.

The coverage shown above is applicable to TravelSurance policies applied on or after 23 June 2024. For coverage of policies applied before 23 June 2024, please call
our insurance service hotline (852) 2867 8678.

Greater Bay
Area: Macau SAR, Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen, and Zhaoqing

Asia: Bangladesh, Bhutan, Brunei, Cambodia, Guam, India, Indonesia, Japan, South Korea, Laos, Macau SAR, mainland China, Malaysia, Maldives,
Mongolia, Myanmar (Burma), Nepal, Pakistan, Philippines, Saipan, Singapore, Sri Lanka, Taiwan, Thailand, Timor-Leste, Tinian and Vietnam

Worldwide: Any countries/regions in the world, including countries/regions listed in ’Asia’ and ‘Greater Bay Area’ above

Above geographical areas are for premium calculation purposes only. Notwithstanding the covered countries/regions mentioned above, this policy does not cover if
insured person(s) are travelling to the countries/regions mentioned under the ‘Excluded Countries and Territories’ list of HSBC/AXA which is updated by HSBC on its
website from time to time.

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Express Claims Approval Service

Any qualified case for claim amount below HKD5,000 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.

Key Policy Exclusions

• Riot, civil commotion, war, invasion, civil war and related perils
• Suicide, self-inflicted injury, illegal acts, insanity, drugs-taking, alcoholism, venereal disease, AIDs
• Any pre-existing conditions, including congenital conditions
• Childbirth, pregnancy, miscarriage
• Engaging in:
° any sports or activities which are played in professional capacity or in competition involving prize money or reward of any
kind
° deep-water diving (that is diving to a depth of greater than 40 metres)
° motor rallies
° aviation other than as a fare-paying passenger
• Manual work or hazardous work (e.g. involve the use of mechanical and/or electrical equipment or handling of explosive or
hazardous substances, etc.)
• Claims for Medical and Other Expenses (Section 2), Overseas Emergency Assistance (Section 3), and Overseas Hospital
Cash (Section 4) under the following circumstances:
- An event of same nature mentioned in the Black or Red Travel Alert (except for the reason of COVID-19), unless the
journey has been started before the issuance of such Travel Alerts
- Claims relating to the vaccine-preventable diseases if prior to the trip: (i) the insured person fails to obtain the related
vaccine; and (ii) such vaccine is mandatorily required by the government(s) of Hong Kong SAR and/or the destination
where the insured person has planned to travel
• Trip Cancellation or Loss of Deposit and Missed Event arising from the issuance of the Black or Red Travel Alert due to a
pandemic before the trip
• Property more specifically insured
• Claims where no written notification is given to AXA General Insurance Hong Kong Limited within 31 days after end of the trip

This is not an exhaustive list of exclusions and customers should refer to the policy provisions for the full list of exclusions.

Right to return policy

(for MultiTrip only)

If you change your mind within 30 days after policy issuance, you may return it to AXA for cancellation and your premium and
levy^ paid will be refunded in full (provided you have not made a claim).

How to apply

Protect yourself, your family and friends/relatives when you travel anywhere in the world. Apply for TravelSurance now and
receive instant approval!
• Go to
• Visit any HSBC branch

Frequently Asked Questions

Application

(1) Can non-HKID holders apply for TravelSurance?

Yes, non-HKID holders can apply for TravelSurance via HSBC Branches, as long as the trip starts from, and returns to, the
Hong Kong SAR.

(2) Can a child aged under 18 apply for TravelSurance if he/she is not travelling with adult?
If cover is required for children under 18 years old, parent’s or legal guardian’s# information must be provided during the
application process. For children aged under 12 years old, he / she must be accompanied by an adult during the trip.

(3) Can I buy the TravelSurance for my friends or my friend’s child(ren)?

Yes, you can buy TravelSurance for your friends and your friends’ child(ren) who is/are under 18 years old by providing
your friend’s full name, HKID number and date of birth.
If cover is required for children under 18 years old, parent’s or legal guardian’s# information must be provided during the
application process. For children under 12 years old, he / she must be accompanied by an adult during the trip.

Coverage

(4) If I am going to study abroad, can I buy TravelSurance?

TravelSurance is specially designed for individuals who are travelling on a journey for leisure or business purpose. The
journey should originate from Hong Kong SAR and the period of travel is up to 366 days for Single Trip, up to 100 days per
trip for MultiTrip Worldwide Plan, and up to 15 days per trip for MultiTrip Greater Bay Area Plan.

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(5) Is there any benefit sum insured limit difference between adult and child policy?
All benefit sum insured limit for adult and child is the same, except Credit Card Protection under Section 1 - Personal
Accident which is not applicable for children and Personal Money under Section 7 - Personal Money/Unauthorised Use of
Credit Card, Travel Documents and Travel Tickets which is not applicable to Children except aged 12 or above and travelling
alone; limited to HKD1,500.

(6) In case of emergency, how can I contact AXA for assistance?

You can call the Emergency Assistance Hotline on (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.

(7) What kind of sports and activities are covered by TravelSurance? Are there any excluded sports or activities?
TravelSurance covers various kinds of sports and activities provided that they are not played in professional capacity or in
competition involving prize money or reward of any kind. 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 hazardous sports activities such as hot air ballooning, bungee jumping, hang-gliding,
parachuting, zipline, rafting, speed-boating, jet-skiing, trekking, water skiing, wakeboarding, wakesurf, sea kayaking,
scuba-diving (that is diving to a depth not greater than 40 metres), mountaineering, rock-climbing etc.

The following sports and activities are excluded from TravelSurance: racing^ other than on foot, deep water diving (that is
diving to a depth of greater than 40 metres), motor rallies and motor 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,
manual work or hazardous work.
(^racing means speed competition involving traversing a distance.)

(8) Are the medical expenses incurred as a result of an injury caused by skiing covered?
Yes, unless you are involved in professional skiing or in competition involving prize money or reward of any kind.

(9) Do the medical expenses include fees for Chinese bonesetters and herbalists?
Yes, they are covered under the Chinese Medicine Practitioner benefits.

(10) Apart from the medical expenses incurred during the trip, can I also claim the related expenses for subsequent
medical treatment in Hong Kong SAR after I return from abroad?
TravelSurance covers follow-up treatment in Hong Kong SAR within three months of your return from abroad, where such
expenses are incurred as a result of accidental bodily injury or sickness sustained during your trip. Please refer to ‘Key
Policy Exclusions’ and Question (23) of this factsheet for more details.

(11) What is the virtual medical consultation service about and how can I use this?
If you have taken out the MultiTrip Worldwide Plan, you are entitled to 6 free virtual medical consultations per period of
insurance by using MyDoc Health Passport. The consultations are usually available during local doctors’ office hours.
Following a virtual medical consultation, you may choose to obtain the prescribed medication and have it delivered to your
doorstep as needed during specific hours; however, this will incur charges which you will need to pay first and may then
claim in accordance with your policy if eligible.

The virtual medical consultation is currently available in Tokyo, Osaka, Hokkaido and Fukuoka for Japan and countrywide
for Singapore, Thailand and Vietnam.

You will receive a confirmation email with a step-by-step guide on how to use the virtual medical consultation service.

Please note the above details are subject to change without prior notice.

(12) What extra protection can I receive if a Travel Alert is issued for the planned destination?
Except Greater Bay Area plan, you will be protected against the issuance of the Travel Alert in the following ways, provided
that no claim has been paid. Before the trip, you may
• upon any Travel Alert, cancel your Single Trip policy and receive a full premium and levy^ refund;
• upon Red Travel Alert (except for the reason of a pandemic), be reimbursed up to 50% of the irrecoverable deposits or
charges paid in advance upon cancellation of trip up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan
• upon Black Travel Alert (except for the reason of a pandemic), be reimbursed up to 100% of the irrecoverable deposits
or charges paid in advance upon cancellation of trip up to HKD50,000 for Standard Plan and HKD25,000 for Basic
Plan.
During the trip, you may
• upon any Travel Alert, have your insurance automatically extended for 10 days free if your trip is unavoidably delayed;
• upon Red Travel Alert, be reimbursed up to 50% of the unused irrecoverable prepaid costs or additional travel-related
costs upon curtailment of trip for up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert, be reimbursed up to 100% of the unused irrecoverable prepaid or additional travel-related
costs upon curtailment of trip for up to HKD50,000 for Standard Plan and HKD25,000 for Basic Plan.
• upon Black Travel Alert, obtain an additional HKD1,000 allowance to subsidise any unexpected cost due to
curtailment of trip or unavoidable delay of the scheduled trip.

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(13) What if I’m being confined in an overseas hospital but not able to speak the local language, is the interpretation
service fee covered under the policy?
In case you are confined in overseas hospital for over 24 hours due to accidental bodily injury or sickness during the trip
and appoint a local translator referred by Emergency Assistance Service, a maximum of HKD500 per day subject to a
HKD5,000 per trip is payable for the interpretation service.

(14) What is the catch-up ticket benefit under in case of travel delay?
If you are insured under Asia or Worldwide Standard Plan, in the event the common carrier in your original travel itinerary is
delayed during the trip for more than 6 hours due to covered conditions and you decide to buy another one-way travel ticket
to catch up with the planned itinerary, the additional and reasonable cost of the ticket replacement will be reimbursed, up to
HKD2,000 for Asia Standard Plan and HKD4,000 for Worldwide Standard Plan.
Please note that cash allowance and trip re-routing benefits will not be payable if catch-up ticket benefit is paid, and vice versa.

(15) Is an epidemic/ pandemic considered as a natural disaster?

Natural Disaster does not include epidemic or pandemic.

(16) Do I need to bear any policy excess?

You have to bear 20% excess of each item for any claim on mobile phone.

Premium

(17) What is the premium difference between adult and child?

For adults, each one is charged on a per head basis in all cases. For children, if insured in a policy with adults, only one will
be charged, regardless of the number. In cases where no adults are insured in the policy, each child will be charged on per
head basis.

Please note each policy can cover up to 12 insured persons, including a maximum of 6 children.

(18) Is the premium and levy^ for a MultiTrip policy guaranteed to remain unchanged?
The premium and levy^ for a MultiTrip policy varies depending on the number of insured persons and the chosen plan
options. We are not able to guarantee the premium and levy^ will remain unchanged, however we will give you sufficient
written notification in advance for any adjustments of premium and levy^. We reserve the right to adjust premium and levy^.

Policy Management

(19) Can the effective date be changed after the policy has been issued? Can the period of insurance cover be
extended?

Yes, customer who wants to change the policy effective date can call our insurance service hotline at (852) 2867 8678 (during
office hours) or provides the original Customer Copy of the approved application form and signature alongside with the
amendments required. Please note the policy can be changed once only and prior to the commencement of the scheduled
trip. The amendment will be applicable to all the insured persons under the policy.

For extension of the period of insurance cover (applicable only to Single Trip TravelSurance) after the policy is issued, please
call our insurance service hotline at (852) 2867 8678 (during office hours) or visit any HSBC branches for arrangement
before the end of covered period.

If the insured period is to be shortened, the difference in premium and levy^ will not be refunded. For extension of insured
period, the difference in premium will have to be paid. The minimum additional premium is HKD30.

(20) How can I manage my policy in case I want to extend the covered period during my travel?
Should you have any queries about your policy, including request to extend the covered period, you can call our insurance
service hotline at (852) 2867 8678 (during office hours) or manage your policy at ease by e-Policy servicing after logging
onto HSBC Internet Banking if you are a HSBC internet banking customer. This online service provides you with 24-hour
access to your policy details and allows you to submit policy service requests without hassle. Please note the covered
period can be extended during travelling if you give us the notice of change before the start date of the extension while the
policy is still in force. However, please note any extension is subject to AXA’s approval.

(21) Can I cancel the policy and get any refund if I cancel my trip, and what will be the refund arrangement?
(For Single Trip)
Upon the issuance of any Travel Alert for the planned destination, you may give notice in writing to us to cancel the policy
before commencement of the scheduled trip. Provided no claim has been paid, you will be entitled to a full refund of
premium and levy^ paid. Under any other circumstances, no premium and levy^ will be refunded once the application has
been accepted. In such case, you may be covered under Section 10A - Trip Cancellation or Loss of Deposit. For example,
cancellation losses arising from:
• death, illness or serious bodily injury of the insured person, a traveling companion, insured person’s spouse, parent or
child;
• witness summons or jury service;
• unexpected outbreak of riot, civil commotion, strike, terrorism, natural disasters or adverse weather conditions at the
planned destination arising;
• serious damage to the insured person’s principal residence from fire or flood within one week from the departure
date;
• the issuance of Black or Red Travel Alert (except for the reason of a pandemic) for the planned destination.

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 (For MultiTrip)
You may give us 7 days’ prior written notice to cancel this policy to obtain a pro-rata refund for the premium paid for the
unused portion of the premium (for the period of this Policy is not in force) provided that no claim has been made/will be
made during the current period of insurance, such pro-rata refund of premium will be calculated on a pro-rata basis and
subject to a minimum of 50% of the annual premium being paid has to be borne by you.

China Medical Card

Once the application is approved, the China Medical Card may be cancelled by giving written notice to us or by cancelling
the MultiTrip policy (for Worldwide Plan only). Such cancellation shall be effective when the notice is received by us or on
the cancellation date of the policy. No refund of premium and levy^ paid will be made once the cover is effected. Please
refer to the policy wording for details.

(22) Do I need to renew my MultiTrip policy before expiry?

Unless we have received any written notice of policy termination before the renewal date or you have opted out from
automatic renewal of the policy, a MultiTrip policy will be automatically renewed annually provided that we have
successfully debited the renewal premium and levy^ from your HSBC account as specified in the application form/policy
schedule. For a policy which covers a child, there is no automatic renewal for the child when he/she attains the age of
18 by the next following premium due date. If any insured person or the parent/legal guardian of an insured child passes
away, AXA must be informed as soon as reasonably practicable to prevent automatic renewal of the insurance, otherwise
AXA will not refund any unused premium to an insured person.

Claims

(23) Can I claim for medical expenses incurred during my trip for any sickness or disease?
The policy covers medical expenses incurred provided that such sickness or disease is not in existence prior to the trip, and
not caused by
• an event of same nature mentioned in the Black or Red Travel Alert (except for the reason of COVID-19), unless the
journey has been started before the issuance of such Travel Alerts
• claims relating to the vaccine-preventable diseases if prior to the trip: (i) the insured person fails to obtain the related
vaccine; and (ii) the vaccine is mandatorily required by the government(s) of Hong Kong SAR and/or the destination
where the insured person has planned to travel.
• For Greater Bay Area Plan, this benefit is only applicable for medical treatment requiring hospitalisation.

(24) Do I need to report the loss of my personal effects to the police in order to have a valid claim?
Yes, you must report any loss to the local police within 24 hours and the relevant police report is required for claims under
the policy.

(25) If I do not keep the invoices/receipts of my lost property, how will it affect my claim settlement?
If no invoices/receipts are provided, you will be requested to provide other documentary evidence to prove the ownership
and amount claimed for the lost property, such as warranty, packaging, date and place of purchase etc. in order to facilitate
a proper assessment of your claim.

(26) Can I claim for any irrecoverable deposits or charges if I cancel my trip due to sickness contracted prior to my
application for Single Trip TravelSurance?
No, you are not entitled to the benefits for any irrecoverable deposits or charges if you cancel your trip due to a sickness or
disease in existence prior to the application of Single Trip TravelSurance.

(27) Can I claim for travel delay if I cannot take my scheduled flight due to overbooking of seats by the airline?
No, benefit for travel delay is only payable for the delay of the public conveyance for at least 6 hours from the departure
time due to strike or industrial action, hijack, adverse weather conditions, natural disasters, airport closure, mechanical
and/or electrical breakdown, or structural defects of that aircraft or sea vessel.

(28) If I lose a camera borrowed from a friend during a trip, can I lodge a claim for personal liability with TravelSurance?
No, the policy only covers your personal effects. As the camera is not owned by you, it will not be covered.

# Child’s parent or legal guardian must be the policyholder

^Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit
or contact AXA Insurance Service Hotline at (852) 2867 8678.

Page 9/11
 Premium Table

SingleTrip – Per Insured Person (HKD)

Insurance Period (no. of days)

Worldwide Standard
Asia Basic Plan Asia Standard Plan Worldwide Basic Plan
Plan

1 116 159 245 335

2 116 159 245 335
3 116 159 245 335
4 147 200 291 399
5 169 231 324 444
6 219 298 382 523
7 247 338 391 534
8 281 383 420 575
9 307 421 452 620
10 372 508 505 690
11 427 582 576 787

From the 12th day (per day) 20.4/day 27.3/day 24.55/day 32.75/day

From the 31st day (per day) 26/day 35.5/day 35.5/day 49.15/day

Total 366 days 9,550.6 13,028.7 12,970.45 17,923.65

MultiTrip - Per Insured Person (HKD)

Coverage Period
Greater Bay Area Plan Worldwide Basic Plan Worldwide Standard Plan

Annual 1,400 2,382 3,065

Each policy can cover up to 12 insured persons including up to 6 insured children. Only one insured adult premium will be charged for all
children if they are covered with any insured adult(s) in the policy. Each child will be charged with one insured adult premium if there is no
insured adult in the policy.

For example:
• 1 insured adult + 4 insured children = 2 insured adults premium to be collected.
• 0 insured adult + 4 insured children = 4 insured adults premium to be collected.

Premium for China Medical Card

China Medical Card (for MultiTrip only) - Per Insured Person (HKD)
Coverage Period
Greater Bay Area Plan Worldwide Basic Plan Worldwide Standard Plan

Annual Included (Free of charge) 300

In case of accident or sickness, this option provides You with a China Medical Card to receive in-patient medical treatment at designated
hospitals in mainland China without the need to pay any deposit in advance. Simply present your China Medical Card with your ID
document before seeking medical treatment.

China Medical Card:

• No refund of premium and levy^ upon application being effected.
• In case a MultiTrip TravelSurance Policy is cancelled, the China Medical Card’s cover will also cease with no refund of premium and
levy^, please refer to the policy wording for details.
• China Medical Card is already included for MultiTrip Greater Bay Area Plan and an optional cover for MultiTrip Worldwide Plan.

Page 10/11
 Multi-insured discount is applicable for application with more than one paid Insured Person (not applicable for China Medical Card)

Single Trip MultiTrip Trip

2 to 4 paid insured persons Extra 5% Discount Off 2 to 4 paid insured persons Extra 10% Discount Off

5 to 12 paid insured persons Extra 10% Discount Off 5 to 12 paid insured persons Extra 15% Discount Off

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.

^Levy collected by the Insurance Authority will be imposed on this policy at the applicable rate. For further information, please visit www.axa.com.hk/ia-levy
or contact AXA Insurance Service Hotline (852) 2867 8678.

Note (for Single Trip only)

1. For extension of period of insurance after the policy is issued, please contact AXA Insurance Service Hotline (852) 2867 8678 or visit any HSBC
branches for arrangement before the expiry of Policy. The minimum additional premium is HKD30.
2. Once the application is approved, the Policy of any Insured Person cannot be cancelled. Should an applicant choose to cancel his/her Policy, no
premium and levy^ will be refunded, unless the applicant cancels the policy upon issuance of a Travel Alert for the planned destination by the
Government of the Hong Kong SAR.

Important Notes
The above policy is underwritten by AXA General Insurance Hong Kong Limited (“AXA”), which is authorised and regulated by the Insurance Authority of 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 Ordinance (Cap. 41 of the Laws of Hong Kong SAR) as an insurance agency of AXA for distribution of general insurance products in 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.
Please be aware the coverage under this policy may overlap with your existing protection plans coverage or exceed your needs, so please refer to the policy for the detailed introduction
and coverage. You should compare our plan’s coverage with your other existing protection plan. You are welcome to contact our staff for any enquiry.
The information shown is intended as a general summary for your reference only. You should refer to the insurance policy for the detailed terms and conditions.

STQ0624/S/E/STQ&STZ (J/B119a)

Issued by AXA General Insurance Hong Kong Limited Page 11/11