hsbc india travel insurance

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Travel Insurance

Why choose travel insurance.

ICICI Lombard General Insurance company limited introduces the "Smart Traveller" travel insurance policy to deal with any of the contingencies while travelling abroad.

Travelling away from home for business or leisure without travel insurance can be quite worrisome. Medical treatment for illness, cancellation of trips, loss of important documents or financial emergency are among the few risks that may turn your dream holiday into an overseas nightmare.

In order to suit the different segments of overseas travel insurance needs, we have tailored three exclusive product variants for online purchase for individuals and families.

Plan UIN Number:

• IRDA/NL-HLT/BAXAGI/P-T/V.I/222/13-14

Ways to open:

Online, Branch

Features & Benefits

Product feature.

Single trip policy: 

• This is a Single trip policy pre underwritten by the insurance provider
• This policy covers individuals with a minimum age of 3 months and maximum age of 85 years
• Minimum number of days per trip should be 2 days and is extendable up to a maximum of 356 days

Schengen policy:

• This is a Single trip policy applicable for individuals having valid Schengen visa and are travelling to Schengen countries/regions
• Minimum no. of days per trip shall be 2 days and is extendable up to a maximum of 356 days

Annual Multi Trip policy:

• This policy covers two or more trips to different destinations overseas during the Policy period
• This policy covers persons individuals with a minimum age of 3 months and maximum 70 years
• Minimum number of days per trip shall be 2 days and per trip the duration should not exceed more than 30 days, 45 days, and 60 days as per the plan chosen

Key Inclusions

Smart Traveller (Individual / Family Travel) insurance includes:

• Medical expenses for in-patient and out-patient treatment, medical aid for injuries, pathological tests, daily allowance, etc.
• Personal Accident, Accidental Death & Permanent Total Disablement incurred during the trip
• Reimbursement of actual expenses incurred towards loss of passport, travelers cheques, traveling tickets/documents
• Compensation for loss or delay of checked-in baggage
• Reimbursement of expenses towards trip delay and cancellation
• Damage to contents at home of the insured in India, caused by Fire, Allied perils, burglary while the insured is on an overseas trip

We strongly recommend you to note the complete list of Inclusions by clicking on the Apply Today.

Key Exclusions

Smart Traveller (Individual / Family Travel) insurance excludes:

1. Any pre-existing condition, cosmetic surgery, pregnancy, etc. unless medical assistance provided to save       the insured’s life.

2. Losses arising from any delay, detention, confiscation by the customs officials or public authorities

3. Loss of valuables, money, tickets, passes or any other item will not be payable

4. Trip Cancellation and / or Interruption due to strike, plan change of the travelers, cancellation by an airline,     or tour operator, etc.

5. Non Allopathic treatment e.g. - Ayurvedic, Yogic, Homeopathic, Unani treatment(s)

We strongly recommend you to note the complete list of Exclusions by clicking on the Apply Today.

Key Things You Should Know

The Policy provides cover against emergency medical expenses for an individual and/or families while overseas along with covering travel related contingencies like loss of important documents, trip cancellation/delay, emergency accommodation, Personal liability and financial emergency assistance, among others.

This policy also covers the Total loss of checked – in baggage of the insured for the corresponding flight of the licensed carrier. Other valuables can also be covered if declared specifically and agreed by the Insurance provider.

This insurance policy can be offered only for overseas travel.

Family Floater option is available under this policy and can be extended to the traveller’s family including spouse and to a maximum of 2 dependent children upto the age of 23 years.

In case of family floater option, the individual premium for the spouse would be a maximum of 75% of the premium for the senior most member insured under the policy. Premium for each dependent child would be a maximum of 50% of the premium for the senior most member. However the overall Sum Insured for the entire family as mentioned in the plan can be used by any or all the members of the family.

Purchase of insurance product is purely voluntary and is not linked to availment of any other facility from the bank.

This policy also covers the Total loss of checked – in baggage of the insured during the course of flight of the licensed carrier. Other valuables can also be covered if declared specifically and agreed by the Insurance provider.

Kindly refer to the “Key Exclusions” section to understand the terms not covered under this policy.

Policy wordings

• Smart Traveller Insurance Policy Wordings (PDF, 12.4 MB) Smart Traveller Insurance Policy Wordings (PDF, 12.4 MB) Download

Product brochure

• Smart Traveller Insurance Policy Brochure (PDF, 152 KB) Smart Traveller Insurance Policy Brochure (PDF, 152 KB) Download

Apply for Smart Travellers Insurance policy

Want to talk.

Contact us today to have your questions answered

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Important Information

Terms & conditions.

Insurance is the subject matter of solicitation.

The Insurance products are offered and underwritten by ICICI Lombard General Insurance Company Ltd., ICICI Lombard House, 414, Veer Savarkar Marg, Prabhadevi, Mumbai – 400025, India.

The Hongkong and Shanghai Banking Corporation Limited, India (HSBC) (IRDAI Regn. no. CA0016) whose India corporate office is at 52/60, M. G. Road, Fort, Mumbai – 400001, India, does not underwrite the risk or act as an insurer.

The contract of insurance is between the insurer and the insured and not between the bank and the insured. The Hongkong and Shanghai Banking Corporation Limited, India does not underwrite the risk or act as an insurer. HSBC will receive 15% commission on the premium amount from ICICI Lombard General Insurance Company for this transaction. For more details on risk factors, terms and condition please read the Customer Information Sheet carefully before concluding a sale.

Website:   www.icicilombard.com Call :  18001032292 SMS : Claim or Service or Renew or Call Back to  5667700 Email :  [email protected]

BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDA  clarifies to public that:

IRDA or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDA does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of the phone call and number. 

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• Key takeaways

India travel information & requirements

Do i need travel insurance to visit india, what does travel insurance for india cover, what isn’t covered by travel insurance for india, how much does travel insurance for india cost, tips for getting the best india travel insurance, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

• You must have a visa and a valid passport to visit India .
• Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
• More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
• According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg, and AXA Assistance USA ( skip ahead to view these plans ).
• Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
• To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

India is a vast and diverse country. Each region offers a vibrant culture and mesmerizing architecture. This enthralling country also comes with a unique set of risks, which means that buying travel insurance for India should be a top priority before departure.

Whether you’re taking a luxury train journey through a wild jungle or camel trekking in the Thar Desert, comprehensive coverage helps you manage expenses in case of emergencies or unexpected delays.

Finding the right coverage for India travel can be a complicated process. 

This guide covers critical information to help you pick an adequate policy, including:

• An overview of India travel requirements
• Typical travel insurance coverage options for India
• The cost of travel insurance for a trip to India

Our top picks for the best india travel insurance

• Seven Corners: Best Value for Robust Coverage & Medical Emergencies
• Tin Leg: Best Rated Overall
• AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

Are there covid-19 restrictions for u.s. tourists.

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India. 

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

Can a US citizen buy health insurance in India?

As a citizen of the US traveling to India, it is far more beneficial for you to purchase a travel insurance policy before you leave for your vacation. Doing so prepares you for early unforeseen circumstances such as delayed flights or canceled bookings. NRIs (non-resident Indians) may be able to purchase health insurance in India. Still, as U.S. travel insurance companies are fully regulated, you are far safer securing your coverage within the states.

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact. 

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations 

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit when traveling to India, particularly if you’re planning an adventurous itinerary to rural parts of the country.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.  

Standard travel insurance exclusions are:

• Pregnancy (except for complications)
• Anxiety and mental health
• Routine medical or dental procedures
• High-risk activities
• Extreme sports and professional sports
• Trips that go against medical advice
• Storms that have already been named
• Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

• Age : 35 years old
• Destination : India
• Trip Length : 7 days
• Trip cost : $2,000
• Date: September 2024

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone. 

Providers base your policy premium on factors such as:

• Trip duration
• Cost of the trip
• Current health insurance
• Elapsed time between policy purchase and first trip deposit

A wide range of providers offer travel insurance to India. 

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

Imogen Sharma is a freelance writer with an extensive portfolio, covering topics such as finance, business management, investing, and startups. Before becoming a full-time writer, Imogen managed high-volume fine dining restaurants in London with a knack for pricing and P&L management that contributed to sustained growth.

Imogen has contributed bylined and ghostwritten content for thought-leading publications in business, finance and technology. Topics covered include business loans, personal loans, startup funding and real estate investments.

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Top Travel Insurances for India You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known for its explosion of rich culture, colour, and food, India is an attractive travel destination for travelers on a budget. Whether you're travelling to India to experience the country's cultural heritage, visit its iconic landmarks and natural attractions, take part in adventure sports, or enjoy delicious and diverse cuisine, you will find India an excellent travel destination! Although travelling to India can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to India and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

India Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for India:

Best Travel Insurances for India

• 01. Should I get travel insurance for India? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to India scroll down

Heading to India soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for India?

No, there's no legal requirement to take out travel insurance for India.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to India or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for India:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to India. It lets you choose between various plans tailored to meet the specific needs of your trip to India, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for India:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to India? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to India

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for India. However, we strongly encourage you to do so anyway, because the cost of healthcare in India can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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Travel Care

Go on a totally fuss-free, carefree holiday with travel care.

Not all who wander are lost, but your luggage certainly could go missing. That's just one of the unexpected events that could put a dampener on your travel plans - there might also be flight delays, accidents or lost passports to contend with.

Travel Care provides a comprehensive suite of coverage and Allianz's Authorised Representative's emergency hotline (+603-76283919 or +603-79653919) is available 24 hours a day to support you through any emergency you might face, so you and your loved ones can have a stress-free trip filled with beautiful memories.

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• Overseas and domestic travel coverage This includes coverage for luggage and travel delays, and for overseas travel, the coverage also includes loss or damage to your travel documents, personal luggage and valuables, and more
• Accidental death and permanent disability coverage
• Emergency medical evacuation and repatriation programme
• Reimbursement of medical expenses We'll reimburse the necessary and reasonable medical, surgical or hospital charges, and emergency dental treatment fees incurred as a result of accidental bodily injuries, illness or death during your trip
• Option to purchase rider plans to extend your coverage when you participate in certain sports or events during your travels

What your coverage includes

What you need to know, are you eligible.

You're eligible for a Travel Care plan if you belong to one of the following categories:

• Malaysian citizen or permanent resident
• valid work permit or student pass holder
• legally employed in Malaysia

You'll also be able to get coverage for your spouse and child if they legally reside in Malaysia.

Good to know

Emergency contact information .

If there's an emergency when you're travelling, you can call the Allianz 24-hour emergency hotline on +60 3 7628 3919. Toll fees may apply.

Cover for COVID-19 

Travel Care covers medical expenses for COVID-19 treatment, subject to policy terms and conditions. Your diagnosis must be certified by a medical practitioner, and you'll also need to provide a supporting lab report or medical report that states your diagnosis. 

Cover for high-altitude mountaineering 

You can get cover for high altitude mountaineering by contacting Allianz via email on  [email protected] , or by calling 1300 22 5542.

What options for Travel Care plans are available?

The following plans are available:

• Adult Plan/Adult Annual Plan: if you're aged 18-70 years old
• Child Plan/Child Annual Plan: if you're aged 30 days-17 years old
• Senior Citizen Plan: if you're aged 71-80 years old
• Family Plan: if the policyholder is aged 18-70 years old, the policyholder's 1 selected legal spouse is aged 18-70 years old and the policyholder's child/children is/are aged 30 days-24 years old
• Under family plan, the payment per individual will be based on the limit under an adult plan and/or child plan, as the case may be subject to the maximum limit as stated in the Schedule of Benefits in the brochure and policy document.
• Maximum period of coverage per journey/trip is 200 days for one way or return trip.
• Maximum period of coverage per journey/trip is 90 days for annual policy.
• Maximum period of coverage per journey/trip for High Altitude Mountaineering activities is 30 days.
• Each trip must begin and end in Malaysia except for one way trip.
• Maximum period of coverage per journey/trip is 30 days for one way/return trip or annual policy.
• Premium is subject to Service Tax.
• Customer may opt for Automatic Renewal (for annual policy only). This policy is deemed to be automatically renewed and the applicable premium will be charged upon expiry unless otherwise instructed.

For other key terms and conditions, please refer to the Product Disclosure Sheet in the link below.

Ready to apply for Travel Care?

Get a quote via mobile banking or online banking.

If you have an HSBC debit or credit card, you can apply via our mobile banking app or through online banking. Go to the homepage, select 'Products and services', and choose 'Travel Care'. We'll help you apply by filling in information from your records.

Get a quote without logging on

If you have an HSBC debit or credit card, you can also get a quote without logging on to mobile banking.

Scan the QR code to get the app

Download the HSBC Malaysia Mobile Banking app on your iOS or Android device.

• Learn more about mobile banking  

Need help? Check out our  step by step mobile guide .

The information provided on this page is not a contract of insurance. The descriptions of cover are a brief summary for quick and easy reference. The precise terms and conditions that apply are in the policy document. Allianz Travel Care ("this Plan") is underwritten by Allianz General Insurance Company (Malaysia) Berhad (Company No. 200601015674 (735426-V)) ("Allianz General") and HSBC Bank Malaysia Berhad ("HSBC Malaysia") is the intermediary in distributing this Plan. This Plan is exclusively for HSBC Malaysia Credit and Debit Cardholders only. Please read and understand the Product Disclosure Sheet (PDS), Brochure and Policy Wording before signing up.

• Product Disclosure Sheet (PDF) Product Disclosure Sheet (PDF) Download
• Brochure (PDF) Brochure (PDF) Download
• Policy Wording (Domestic) (PDF) Policy Wording (Domestic) (PDF) Download
• Policy Wording (Overseas) (PDF) Policy Wording (Overseas) (PDF) Download
• Allianz General Insurance Company - Privacy Notice (PDF) Allianz General Insurance Company - Privacy Notice (PDF) Download

Important Notes 

1. The benefits payable from this insurance product are protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to certain limits. Please refer to PIDM's TIPS Brochure, the PIDM website , or contact Allianz General Insurance Company (Malaysia) Berhad to get more information about the Takaful and Insurance Benefits Protection System(TIPS)

2. For after-sales service, you can contact Allianz by [email protected] or on 1300 22 5542 .

3. You may find out more about our coverage by visiting your nearest Allianz branch.

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HSBC changes insurance head after Hingston’s surprise exit

THE head of HSBC Holdings’ insurance business is unexpectedly leaving the Asia-focused lender after two years in the post, and will be replaced by veteran insider Ed Moncreiffe.

Greg Hingston will pursue opportunities outside the firm, according to a statement from the bank. Moncreiffe has been with HSBC for 18 years and held a number of leadership roles including head of life and pensions Brazil. The changes are effective immediately.

“Insurance, one of our fastest-growing businesses, is integral to our strategy to become a leading global wealth manager,” said Nuno Matos, who runs HSBC’s wealth and personal banking business.

“We will build our recent investments in HSBC Life to capture new opportunities in Hong Kong and supercharge growth in mainland China, Singapore and India, while continuing to deepen penetration in the UK and Mexico.”

Hingston, who took over as global chief executive of HSBC’s insurance unit in January 2022, closed the group’s first acquisition in the sector in a decade, building out the China business.

The lender has been expanding in Asia with billions of US dollars in fresh investments and in February 2022 completed its purchase of AXA SA’s Singapore unit, a deal that effectively doubled the size of its insurance business in the city state.

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HSBC recently reported fourth-quarter profit fell 80 per cent after taking unexpected charges on holdings in a Chinese bank and from selling its French retail operations. However, rising interest rates globally boosted HSBC’s full-year earnings to a record.

The bank is several years into a strategy of pivoting its business increasingly towards the faster-growing markets of Asia, where it makes most of its money.

Disposals of businesses in France and Canada have been balanced by acquisitions of insurance and wealth management assets in Asia, a region with swelling ranks of the rich. BLOOMBERG

KEYWORDS IN THIS ARTICLE

• KKR, HSBC talk up China opportunities after lengthy sell-off
• HSBC’s Quinn targets lifting wealth business in China, India
• HSBC helps funds navigate India’s bond market as inclusion nears
• HSBC chairman says Asia business spinoff ‘will not happen’

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Absolutely no urgency to cut US interest rates: Federal Reserve’s Daly

Less than half of us banks ready to borrow from federal reserve in emergency, georgieva selected for second term as imf managing director, citi profit drops as costs rise for employee severance, deposit insurance, bernanke urges boe to speak more clearly on direction of rates, wells fargo profit shrinks more than 7% on lower interest income, support south-east asia's leading financial daily.

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SPH MEDIA DIGITAL NEWS

MCI (P) 064/10/2023 © 2024 SPH MEDIA LIMITED. REGN NO. 202120748H

Indian life insurers may post muted Q4 earnings, HSBC says

** HSBC expects India's life insurance companies to report margin compression and muted annualised premium equivalent growth in Q4

** ICIL down 0.5%

** HSBC expects asset management cos to perform well in Q4 due to strong net inflows, systematic investment plans, gains in equities

** NIPF up 1.6%; HDFC AMC up 0.9%

HSBC pulls out of Argentina at a $1 billion loss as Asia pivot continues

HSBC Holdings Plc agreed to sell its business in Argentina, and will book a $1 billion charge in the first quarter from the disposal as the lender hones its focus on faster growing Asian markets.

The bank will sell the operations to Grupo Financiero Galicia for $550 million, subject to some price adjustments, according to a statement on Tuesday. The deal includes all of HSBC Argentina’s business, which ranges from banking to asset management and insurance, as well as $100 million of subordinated debt.

The move “enables us to focus our resources on higher value opportunities across our international network,” Chief Executive Officer Noel Quinn said in the statement. The Argentine unit has “limited connectivity” to the rest of the business and creates “substantial earnings volatility for the group when its results are translated into US dollars,” he said.

HSBC Argentina, which has more than 100 branches, 3,100 employees, and about one million customers, made a profit before tax of $239 million in 2023. The bank said in February that Argentine President Javier Milei’s move to devalue the peso by more than 50% shrunk the bank’s profit before taxes by $548 million in the fourth quarter. 

HSBC said it will recognize about $4.9 billion of historical foreign currency translation reserve losses when the deal closes. That reflects cumulative losses over the years from the translation of the unit’s Argentinian peso-denominated book value into US dollars, which are already reflected in the bank’s CET1 ratio, a key measure of capital strength. 

The impact of the transaction will be excluded from HSBC’s dividend payout calculation, which remains at 50% for 2024. It is expected to complete within the next 12 months.

HSBC, based in London, has been disposing of operations across the world as it has pivoted to focus more on Asia. It has exited some business in North America and France as it builds out in India, Singapore and China. It’s several years into a strategy of pivoting its business increasingly toward the faster-growing markets of Asia where the bank makes most of its money. 

Royal Bank of Canada completed the purchase of HSBC’s Canadian unit in March. HSBC has said it will recognize an estimated gain on sale of $4.9 billion in the first quarter and declare a special dividend of about $4 billion as a result.

The lender is also exploring the sale of various businesses in Germany including its wealth-management, custody and fund administration units, people familiar with the matter said  earlier this month.  

Disposals of businesses in markets like those have been balanced by acquisitions of insurance and wealth management assets in Asia, a region with swelling ranks of the wealthy.

What Bloomberg Intelligence Says

HSBC’s expected pretax loss of $1 billion on the sale of its Argentinian unit is equivalent to about 3% of 2024 consensus pretax profit and should have limited impact on its CET1, dividend capacity and planned share buybacks. Hyperinflation has been a drag on Argentinian operations, as seen in a $500 million pretax profit hit in 4Q, and the sale will also be in line with the bank’s plan to strengthen its focus on Asia.

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New safety measure for Android device

Beware of apps from sources other than your phone’s official app stores which may contain malware. From 27 March 2024, new safety measure in the Android version of the HSBC Singapore app will be launched to protect you from malware. Read more on malware scams .

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TravelSure makes travel safer with over 50 benefits and COVID-19 coverage to take care of you, even before take off.

Special offers

From now till 6 May 2024, enjoy 35% premium discount for Single-Trip plans and 15% premium discount for Annual plans.

• COVID-19 coverage COVID-19 coverage is automatically included for Single and Annual plans. Get up to SGD250,000 medical expense coverage when you travel overseas. Please refer to the COVID-19 section for more information.
• Overseas medical expenses Be covered up to SGD1,000,000 for overseas medical expenses.
• Replacement of traveller Pays for the charges incurred for change of traveller due to you or insured person not being able to travel as a result of serious injury, illness or death 30 days prior to the trip.
• Delayed departure Pays for additional administrative and travel expenses incurred to book alternative transport to the same destination should there be delays to the public transport.

Summary of benefits

The limits shown above are based on Individual sum insured. Learn more about the full coverage details .

How to buy TravelSure

Buy travelsure online now.

• Contact MSIG Singapore
• Submit your claims online

Important Notes 

This product is underwritten by MSIG Insurance (Singapore) Private Limited ("MSIG") and distributed by HSBC Bank (Singapore) Limited ("HSBC"). It is not an obligation of, a deposit in or guaranteed by HSBC. Full details of the terms, conditions and exclusions of this insurance are provided in the policy and will be sent to you upon acceptance of your application by MSIG. This is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. 

This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation ("SDIC"). For more information on the scheme, please visit the General Insurance Association www.gia.org.sg or SDIC www.sdic.org.sg websites.

The information and opinions contained in this website are for information only, have been obtained from sources believed to be reliable, but HSBC makes no representation or warranty as to their adequacy, completeness, accuracy or timeliness for any particular purpose, are subject to change without notice, and are not intended for distribution to, or use by, any person or entity outside Singapore or in any jurisdiction or country where such distribution or use would be contrary to law, regulation or rule. HSBC does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time.  

Where specific products are advertised and/or recommended, please note (a) the recommendation is intended for general circulation; (b) the recommendation does not take into account the specific investment objectives, financial situation or particular needs of any particular person; (c) advice should be sought from a financial adviser regarding the suitability of the products, taking into account the specific investment objectives, financial situation or particular needs of any person in receipt of the recommendation, before the person makes a commitment to purchase the products; should the person choose not to do so, he should consider carefully whether the product is suitable for him; in particular, all relevant documentations pertaining to the product should be read to make an independent assessment of the appropriateness of the transaction; and (d) this advertisement has not been reviewed by the Monetary Authority of Singapore, or any regulatory authority elsewhere.

HSBC, its related companies, their directors and/ or employees may have positions or other interests in, and may effect transactions in, the product(s) mentioned here. HSBC may have alliances or other contractual agreements with the provider(s) of the product(s) to market or sell its product(s). In addition, HSBC, their directors and/or employees may also perform or seek to perform broking, investment banking and other banking or financial services for these product providers.

To the extent permitted by law, HSBC accepts no liability whatsoever for any direct indirect or consequential losses, claims or damages arising from or in connection with the use of or reliance on the information, opinions or contents herein.

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From flight delays to medical emergencies, we got you covered. Secure your trip with HDFC ERGO Explorer. Travel Worry-free.

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Travel Insurance -  Your Safety Net at Foreign Shores

A medical or dental emergency can catch you off guard in a faraway land, derail your travel plans, and cost you dearly, as medical expenses in a foreign land can be high-priced. However, international travel insurance can save you from such expenses. Apart from this, it also provides reimbursement for essentials in case of delay or loss of check-in baggage, covers for loss of passports, visas, identity proof, etc. It also provides assistance in case of theft, burglary, accident assistance and medical evacuation in times of crisis. So, whether you travel overseas solo or with your family, remember to get travel insurance to enjoy a memorable and relaxed holiday. Many countries have also made it mandatory to get travel insurance before entering their borders. Check out HDFC ERGO’s travel explorer to explore the world confidently with 21 benefits and 3 tailor-made plans, just for you. You can buy travel insurance online from the comforts of your home. In addition, we offer medical facilities at 1Lac+ cashless hospitals** worldwide.

Introducing HDFC ERGO Travel Explorer

To make your travels filled with excitement and keep worries at bay, HDFC ERGO brings you the all-new international travel insurance, packed with more benefits than you can imagine. Explorer's got your back, whether it is a medical or dental emergency, loss or delay of your checked-in baggage, flight delays or cancellations, theft, robbery or loss of passport when overseas. It comes with up to 21 benefits packed in one, and 3 tailor-made plans just for you.

Schengen approved travel insurance

Competitive premiums, increased sum insured limit, medical & dental emergencies, baggage mishap, in-trip crisis, here's why you need hdfc ergo's travel insurance, covers emergency medical assistance.

Met with an unexpected medical emergency, in a foreign territory? Travel insurance, with its emergency medical benefits, is just the friend you need during such a toughtime. Our 1,00,000+ cashless hospitals are there to take care of you.

Covers Travel Related Inconveniences

Flight delays . Loss of baggage. Financial emergency. These things can be quite unsettling. But with travel insurance backing you up, you can keep calm and carry on.

Covers Baggage-Related Hassles

Buy #SafetyKaTicket for your travel. Whenever you’re travelling abroad all baggage carries all your essentials, and we cover you against baggage loss and baggage delay for checked-in baggage.

Affordable Travel Security

Secure your international trips without breaking the bank. With affordable premiums for every kind of budget, the benefits of travel insurance far outweigh the costs.

Round-the-clock Assistance

Time zones don’t get in the way of a good travel insurance plan. No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

There are a million things you can take on your trips; worry shouldn’t be one of them. Our 1 Lac+ cashless hospitals networked worldwide will make sure your medical expenses are covered.

Travel Insurance Plans For All Types Of Travellers

Travel plan for individuals.

If you’re flying solo in your search for new experiences, the HDFC ERGO Individual Travel Insurance, with its host of inbuilt benefits that make your travel experience smooth and seamless, is the trusted companion you need to take along for company.

Travel plan for Families

Family vacations are when you make memories that transcend time and last across generations. Now, with the HDFC ERGO Family Travel Insurance, give your loved ones the security they deserve as you and your family take off into the sunset for the vacation of your dreams.

Travel plan for Frequent Fliers

The HDFC ERGO Annual Multi-trip Insurance is tailored just for you, so you can secure multiple trips under one comprehensive insurance plan. Enjoy multiple trips, easy renewals, in-house claim settlement and so much more.

Travel plan for Students

Planning to pursue higher education at foreign destinations, then do not leave your home without a valid travel insurance. It will secure your prolonged stay and make sure you concentrate only on studies.

Travel Plan for Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO’s Travel Insurance for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

Compare Travel Insurance Plans

So, have you compared the plans and found the one that suits you best, what does hdfc ergo travel insurance policy cover .

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• Baggage Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO Travel Insurance Policy Not Cover?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

Key Features of HDFC ERGO Travel Insurance Policy

  does hdfc ergo’s travel insurance cover covid-19.

The world is returning to normal after being in the clutches of the COVID-19 pandemic for almost two years. However, the worst is not over yet. A new variant of the virus - Arcturus covid variant – has caused much concern among the public and healthcare experts alike. The presence of this new covid variant has been reported in many countries across the globe. The concern regarding this new covid variant is that it is believed to be more transmissible than previous strains, but it is still unclear whether it is more deadly than the previous ones. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay.

In the face of rising Covid cases in India , the importance of vaccinations and booster doses has again been highlighted. If you aren’t vaccinated yet, it’s high time you get the jab. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. The symptoms of Arcturus covid virus can range from mild to moderate, manifesting as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing. Some individuals may also experience muscle aches, headaches, sore throat, congestion, conjunctivitis, or pink eye. If you experience any of these symptoms while travelling overseas, rush to the nearest hospital for a check-up. Medical expenses in a foreign land can be expensive, so having the backing of travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

● Hospitalisation expenses

● Cashless treatment at network hospitals

● Daily cash allowance during hospitalisation

● Medical evacuation

● Extended hotel stay for treatment

● Medical and body repatriation

How to Modify or Extend existing Travel Insurance Policy?

Even though the terms and provisions of your travel insurance are locked in the minute you sign off on the plan and pay your premium, you can modify dates of your existing plan with HDFC ERGO in the following manner:-

Change in Travel Dates prior to undertaking the travel: Dates of travel insurance policy can be changed if the journey has been postponed due to any reason. For example, If the policy was taken from 01-Nov21 to 30-Nov-21, modification can be allowed if the dates have to be changed to 01-Dec-21 to 30-Dec-21. The change is allowed for a date after the one already chosen. Modification is not allowed if the journey is scheduled to begin before the existing date 01-Nov-21. Should such a situation arise, the existing policy will need to be cancelled completely and then a new travel insurance cover can be purchased for the required dates.

Extending the international travel insurance policy is possible subject to the following conditions:

1. The original travel insurance policy has not expired.

2. There is no claim in the original policy.

3. The sum insured will not be enhanced upon extending the plan.

4. You will need to provide a declaration of good health.

5. The premium for extension has to be paid before the actual extension is affected.

6. Total period (policy + extension) does not exceed 360 days.

7. Extension is allowed on Single Trip policies only. Annual Multi-Trip policies cannot be extended.

You can change travel dates for HDFC ERGO travel insurance online in following ways:

1. Visit the HDFC ERGO website here

2. Under the banner, go to ‘ Want to modify existing travel policy? Click here’

3. You will be directed to a new page where you can change or extend travel date.

4. Next, you must enter your policy number.

5. In case of extending your dates, you must pay an extension premium on your travel insurance.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders

Why do you need overseas travel insurance policy.

With HDFC ERGO travel insurance policy, you can go for a trip without worrying about anything. We provide coverage for untimely expenses that might occur during your journey like, loss of luggage, missing out on connecting flight, or the risk of getting infected by COVID-19. Hence to avoid creating a big hole in your pocket due to any unwanted events, buying comprehensive International travel insurance is a must.

Our travel insurance will essentially secure you under following circumstances:

Medical Expenses

Loss of documents & baggage, flight delays, delay in baggage arrival, emergency dental expenses, emergency financial assistance, international travel insurance for most visited countries.

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for UAE

Travel Insurance for France

Travel Insurance for Canada

Travel Insurance for Schengen VISA

Travel Insurance for Japan

Travel Insurance for Singapore

Travel Insurance for Malaysia

Travel Insurance for Australia

Travel Insurance for USA

Travel insurance for thailand, travel insurance for germany.

Travel Insurance for Bali

 here’s what you should keep in mind before buying, the duration of your trip.

The longer your trip, the higher the insurance premium will be, since the risk involved in longer stays abroad is higher.

The destination of your trip

If you’re travelling to a country that is safer or economically more stable, the insurance premium will likely be lower.

The amount of coverage you need

Higher the sum insured higher will be your travel insurance premium.

Your renewal or extension options

You can extend or renew your travel insurance whenever it’s about to expire. Refer policy document for more details.

The age of the traveller(s)

Typically, older travellers may be charged a higher premium. This is because the probability of medical emergencies occurring increases with age.

  Factors That Affect Your Travel Insurance Premium

The country you’re travelling to, the duration of your trip¨, the extent of coverage you choose,   how to claim travel insurance.

The claim process of HDFC ERGO travel insurance is an easy 4 step process. You can make a travel insurance claim online on a cashless as well as reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] / [email protected] and get a list of network hospitals from TPA.

[email protected] will share the checklist of documents required for cashless claims.

Mail Documents

Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at [email protected] .

Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share the checklist of documents required for reimbursement claims.

Send all required documents to [email protected] for reimbursement as per the Checklist

Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.

List Of Countries Where Travel Insurance Is Mandatory

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

Schengen countries

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

Decoding Travel Insurance Terms

Confused about all the travel insurance jargon floating around? We’ll make it easier for you by decoding some commonly used travel insurance terms.

Sum Insured

The sum insured is the maximum amount the insurance company will pay you in case any of the insurable events occur. In other words, it’s the maximum coverage that you are entitled to under your travel insurance plan.

Sublimits are additional monetary limitations in the coverage offered by your travel insurance policy. They limit the cover applicable to specific insurable events or losses, and they are a part of the original overall coverage offered by the policy.

In some cases, when an insurable event happens, you may have to pay some of the expenses involved out of your own pocket. This amount is known as the deductible. The rest of the expenses or losses will be borne by the insurance company.

Cashless settlement

Cashless settlement is a kind of claim settlement process where the insurer directly pays the costs involved in case of any insurable loss on behalf of the policyholder.

Reimbursement

This is a kind of claim settlement wherein the policyholder pays the expenses out of pocket first, and the insurance company later reimburses the costs as per the coverage limits in place.

Single Trip Plans

Single trip plans are travel insurance plans that provide coverage for only one trip. You can buy this plan in advance of your international holiday.

Multi-trip Plans

Multi-trip plans are travel insurance policies that offer coverage for multiple trips within a predetermined period. Typically, the cover offered by multi-trip plans is valid for one year.

Family Floater Plans

Family floater plans are for families, as is evident from the name. These plans offer travel insurance coverage that extends to every member of the family who is travelling on the insured journey.

Travel Insurance Policy Documents

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. protect yourself with hdfc ergo’s travel insurance., travel insurance  reviews & ratings.

Our customers have rated us

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

Travel Insurance News

Pakistan-China Khunjerab Border Reopens, Boosting Trade and Tourism

The Pakistan-China Khunjerab border reopens after a four-month winter closure, facilitating trade and tourism between the two nations. The agreement mandates closure from December 1 to March 31 annually due to severe weather conditions. The reopening promises economic benefits, with uninterrupted transportation of essential goods for Pakistan's development projects continuing during the closure period.

Taiwan Revises Tourism Targets Amid Cross-Strait Travel Challenges

Taiwan reevaluates its tourism goals due to cross-strait travel hurdles, potentially facing a 2 million shortfall in foreign visitor arrivals this year. Tourism Administration Director-General Chou Yung-hui hints at adjusting targets downward to 10 million, with full recovery not expected until 2025, citing China's ban on group tourist visits to Taiwan.

Akasa Air Launches International Operations with Mumbai-Doha Flight

Akasa Air initiates its international operations with its first overseas flight from Mumbai to Doha, Qatar. The airline secures traffic rights for additional destinations in Kuwait, Jeddah, and Riyadh, signaling rapid global expansion. Convenient flight schedules offer travelers from various domestic cities seamless connectivity to Doha via Mumbai.

Lufthansa Faces Two-Day Cabin Crew Strike in Germany

Deutsche Lufthansa AG braces for a two-day cabin crew strike in Germany, adding to recent labor disruptions. The strikes, announced by labor union UFO, will impact departures from Frankfurt on Tuesday and Munich on Wednesday. The airline grapples with ongoing transport disruptions, projecting wider losses for the first quarter amid labor actions and cargo downturn.

China Southern Airlines Launches Historic Nonstop Flight to Mexico

China Southern Airlines is set to inaugurate its first nonstop route to Mexico City from Shenzhen, marking China's longest flight and underlining Mexico's growing importance as an economic partner. Despite logistical challenges, including high altitude in Mexico City, the move reflects the burgeoning trade ties between China and Mexico amid geopolitical tensions.

Singapore Introduces QR Code Entry for Land Checkpoints

Singapore implements QR code entry at Woodlands and Tuas land checkpoints, eliminating the need for passport checks starting March 19. This move aims to reduce wait times by 30%, particularly during peak periods. The initiative extends to other checkpoints with Malaysia, aligning with efforts to streamline border crossings as travel resumes post-Covid.

Read Latest Travel Insurance Blogs

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Frequently asked questions on travel insurance, 1. is it necessary to buy travel insurance.

Yes, it is. Travel insurance is the ultimate seal of safety you can add to your journey, so you can enjoy your vacation or turn that business trip into a success without worrying about the stressful scenarios that could occur unexpectedly. With travel insurance acting as your #SafetyKaTicket, you can rest assured that you’re insured against the financial losses or burden associated with flight delays, loss of baggage, and even emergency medical expenses when you’re in another city, among other things.

1. How does travel insurance work?

Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage. In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.

2. Is a medical checkup necessary before the policy is purchased?

We have good news for you here. A medical checkup is not necessary if you’re planning to buy the HDFC ERGO travel insurance policy. You can bid goodbye to health checkups and purchase travel insurance without any hassle.

3. Is it necessary to get prior approval of the insurance provider before proceeding with medical treatment should the necessary arises?

Emergency medical needs must be treated in time if the need arises. And that is why it is not necessary to get any sort of prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim. However, the nature of the treatment and the terms of the travel insurance policy will determine if the treatment is covered by the travel insurance.

4. Can you buy travel insurance after booking your trip?

Yes, you most certainly can buy travel insurance after you’ve made a booking for your trip. In fact, it’s a smart idea to do so, because that way, you will have a better idea of the details of your trip, such as the start date, the end date, the number of people accompanying you and the destination. These details are all essential to determine the cost of your travel insurance cover.

5. Is travel insurance mandatory?

Well, that depends on where you’re travelling to. To be more specific, there are 34 countries that have made travel insurance mandatory, so you’ll need to purchase a cover before you travel there. These countries include Cuba, The United States of America, The United Arab of Emirates, Ecuador, Antarctica, Qatar, Russia, Turkey and the group of 26 Schengen countries.

7. What is a deductible? Why is this necessary?

A deductible is simply that amount of a claim that you will need to meet from your pocket, before the insurer steps in and bears the rest of the costs involved. Insurance policies have deductibles because they help the insurer share the costs with the policyholder. And knowing that some of the costs may need to be borne out-of-pocket keeps the policyholder from engaging in any risky behavior that may result in losses that are insured.

6. What are the age criteria for which you issue a travel insurance policy online in India?

single trip-91 days to 70 years. AMT same, family floater – from 91 days to 70 years, insuring upto 20 people. The exact age criteria vary from one travel insurance policy to another, and also from one insurer to the next. For the travel insurance policy from HDFC ERGO, the age criteria depend on the kind of cover you opt for. • For single trip insurance, people aged between 91 days and 70 years can be insured. • For annual multi trip insurance, people aged between 18 and 70 years can be insured. • For family floater insurance, which covers the policyholder and up to 18 other immediate family members, the minimum age of entry is 91 days and can be insured up to 70 years.

7. When should you buy a travel insurance policy?

That depends on the number of trips you’ll be taking during the year. If you’ll likely just take the one trip, you will want to purchase a single trip cover. The ideal time to buy a travel policy for a single trip is within a couple of weeks of booking your flight tickets. On the other hand, if you plan to take multiple trips during the year, it would be a better idea to purchase your travel insurance plan well in advance, before you book your various trips.

8. In which Schengen countries is travel insurance mandatory?

Travel insurance is mandatory for traveling to all 26 Schengen countries.

9. Can more than one policy be issued for the same trip?

No. HDFC ERGO does not provide multiple insurance plans to the same person for the same trip.

10. Are business travellers eligible to purchase a Travel Insurance policy?

Yes, Indian Nationals travelling abroad for business can purchase travel insurance policy.

11. When does the travel insurance cover begin and end?

Travel insurance is usually taken for the duration of travel. The policy will mention the start and end date on its schedule.

12. Where can customers access the list of network hospitals?

You can find your preferred hospital from among HDFC ERGO’s list of partner hospitals https://www.hdfcergo.com/locators/travel-medi-assist-detail or send mail to [email protected].

13. Is it mandatory for the customer to be in India for international travel policy issuance?

Policy can be taken only if the insured is in India. Cover is not offered for individuals who have already travelled abroad.

14. Can I buy travel insurance after leaving the country?

Unfortunately, you cannot buy travel insurance after leaving the country. The traveller needs to ensure availing of the travel insurance policy before travelling abroad.

15. What are the sublimits of this product?

No sub-limit has been specifically imposed for customers visiting Schengen countries. For insured individuals below 61 years of age, there are no sub-limits applicable under travel medical insurance. Sub-limits are applicable to insured individuals aged 61 years and older for various expenses, including hospital room and boarding, physician fees, ICU and ITU charges, anaesthetic services, surgical treatment, diagnostic testing expenses, and ambulance services. These sub-limits are applicable to all travel insurance policies regardless of the plan purchased. For more details, refer to the product prospectus.

16. How much does travel insurance cost?

The cost of a travel insurance policy depends on a lot of factors. The cost is not fixed or uniform for all trips. The following factors determine how much premium would be payable –

● The type of policy

There are different types of travel insurance plans available and each plan has a different premium. Single trip plans are cheaper than annual multi-trip plans. Individual plans are cheaper than family plans and so on.

● The destination

Different countries attract different premiums. Developed countries like the USA, UK, Australia, etc. involve higher premiums than others.

● Number of members travelling

The more the number of members who travel with you the higher would be the premium.

Higher the age higher would be the probability of suffering an illness. As such, premiums increase with age

● Trip duration

The longer the trip the higher would be the premium and vice-versa.

● Plan variant

There are different variants of the same plan. Each variant has different coverage benefits. The higher the variant the more inclusive the plan becomes and so the premiums are higher

● Sum insured

The higher the sum insured that you choose the higher would be the premium and vice-versa

You can use HDFC ERGO’s online calculators to find out the premium payable for the travel insurance plan.

17. Can you buy insurance after starting your trip?

No, you cannot buy travel insurance after starting your trip. The policy should be bought before the trip has commenced.

18. How do I choose a travel policy?

You should choose a travel insurance plan based on your travel needs. Here’s how –

● If you are travelling solo, choose an individual policy

● If you are travelling with your family, a family travel insurance plan would be suitable

● If a student is travelling for higher education, choose a student travel insurance plan

● You can also choose the plan based on your destination, like a Schengen travel plan, Asia travel plan, etc.

● If you travel frequently, choose an annual multi-trip plan

After you have shortlisted the type of plan that you want, compare the different policies in that category. There are different insurance companies offering travel insurance plans. Compare the available policies on the basis of the following –

● Coverage benefits

● Premium rates

● Ease of claim settlement

● International tie-ups in the country that you are travelling to

● Discounts, etc.

Choose a policy that offers the most inclusive coverage benefits at the most competitive rate of premium. Choose an optimal sum insured and buy the best plan for securing the trip.

1. What is not covered in travel insurance?

It’s always a good idea to know what the scope of your travel insurance is. When you buy the HDFC ERGO travel insurance policy, do keep in mind that the following incidents, losses, or events are not covered by our travel insurance. • Any sickness or health issues caused due to war or a breach of the law • Claims related to health, if you consume any intoxicants or banned substances • Expenses related to pre-existing diseases • Expenses related to cosmetic surgery or obesity treatment • Any hospitalization expenses or medical costs arising from self-inflicted injuries • Injuries sustained during adventure sports

1. Does travel insurance cover flight cancellation?

Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.

2. What benefit will I get from this insurance in case of a medical emergency?

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf

4. What does my travel insurance cover?

Your HDFC ERGO travel insurance plan covers a wide range of medical emergencies, baggage-related emergencies and journey-related issues. In the medical emergency coverage, you can rest assured that your policy covers emergency medical and dental expenses, medical evacuation, hospital daily cash allowance, accidental death and even medical/body repatriation. As for baggage troubles, we have you covered in case of loss or delay of checked-in baggage and loss of personal documents. Flight delays, financial emergency assistance, hijacking, personal liability and hotel accommodation are also other benefits you’ll enjoy with our travel insurance plan. Source: HDFC ERGO site - ‘what’s covered’ section

3. Will pre-existing diseases be covered under the travel insurance policy?

No. The HDFC ERGO travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

4. If I’m being advised to quarantine; are the accommodations or re-booking expenses covered?

Accommodation or re-booking expenses resulting from a Quarantine are not covered.

7. Are pre-existing ailments or diseases covered under travel insurance plans?

If you undergo treatment for pre-existing diseases during the travel insurance policy period, medical expenses for the same are not covered by the travel insurance policy. However, any medical condition that is diagnosed after purchasing the travel insurance policy will be covered. It is important to disclose all your health-related information at the time of purchasing the travel insurance policy to not face any claim rejections during the trip.

5. Which conditions are covered under medical coverage?

Medical benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Cashless facility is available for receiving treatments at the insurer’s network hospitals.

6. What is flight insurance?

Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –

● Flight delay

● Accidental death due to a crash

● Flight cancellation

● Missed flight connection

7. What do I do if I fall sick when I am overseas?

When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to [email protected]

HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://customersupport.hdfcergo.com/DigitalClaimForms/travel-insurance-claim-form.aspx?_ga=2.101256641.138509516.1653287509-1095414633.1644309447. Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2 .

Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at [email protected] . The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.

1. How can I cancel my travel insurance policy?

Cancelling your travel insurance policy is quite easy. You can place your cancellation request via email or fax. Do make sure that the cancellation request reaches up within 14 days from the policy’s inception date. In case the policy is already in force, you’ll also need to submit a copy of all the 40 pages of your passport, as a proof that the journey has not been undertaken. Do note that cancellation charges of Rs. 250 will be applicable, and the balance amount paid will be refunded.

2. Can I extend my policy?

Currently we cannot extend the policy

3. How many times can we extend the policy?

You can extend your travel insurance policy once. The period of extension depends on the details of the trip. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.

3. What is the maximum number of days for which I can take the travel insurance policy?

Generally, the total policy period, including extensions if any, should not exceed 360 days. However, the limits may vary for specific plans, as explained below. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.-->

5. If I extend my travel insurance policy online, what premium is applicable?

The exact amount of the extension premium depends on many factors like the period of extension, the destination of the trip, the number of people covered, and other aspects of the cover. Simply put, it varies on a case-to-case basis. To extend your policy, you can visit this link. Alternatively, you could als send a mail to us at [email protected]. You will receive a response from our end, detailing the procedure and giving you the details of the additional premium to be paid.

4. Does HDFC ERGO's travel insurance policy come with a free-look period?

No. The HDFC ERGO travel insurance policy does not come with a free-look period.

5. Is there a grace period in travel insurance policy?

Grace period is not applicable to any cover for travel insurance policy.

6. What sum insured should be opted for while traveling to Schengen countries?

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

7. Are there any sub-limits applicable for Schengen countries?

There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.

8. If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

No, the product does not offer any refund for early returns.

11. If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement?

Yes. HDFC ERGO allows you to extend your travel insurance cover by paying an additional premium as long as the existing plan remains unexpired and no claims have been raised. Extension can be taken for a maximum of 180 days. Also, Total period of cover (base policy + extension) should not exceed 360 days.

9. What are the charges for policy cancellation?

A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.

10. Do I get a grace period for my travel insurance policy?

No. There is no grace period applicable for a travel insurance policy.

11. What is my travel insurance coverage requirement sum insured while travelling to any of the Schengen countries?

Travel insurance with a minimum equivalent sum insured of 30,000 Euros needs to be availed to travel to Schengen countries. There are about 26 countries that come under the entire Schengen region for you to visit and it is compulsory to have travel medical insurance cover to visit these states. To get Schengen Visa, you need to produce your travel medical insurance document.

12. Is there a partial refund possible on a travel insurance plan, in case the trip is curtailed and the customer comes home earlier than initially planned?

No. Partial refund is not allowed under travel policy.

16. Can travel insurance plans be extended at a later point in time if there is a genuine requirement or an extension of stay?

Yes! The extension is provided on travel insurance policy based on certain conditions such as:

• There should have been no claim under the policy during the period

• The policy is not expired

• Insured needs to provide the declaration of good health

• The sum insured remains the same and no enhancement of the sum insured is allowed

• The total period of policy, base plus extension, does not exceed 360 days.

• The premium for extension needs to be paid before the extension is affected.

12. How is the travel insurance premium calculated?

The travel insurance premium is calculated considering the following details –

● Type of plan

● Destination

● Members to be covered

● Their age

● Plan variant and sum insured

You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.

13. What is the document provided as proof of travel insurance?

The policy is issued by HDFC ERGO which serves as proof of travel insurance. The bond is mailed to you on your email ID. Moreover, a physical copy is also sent to your registered address. You can carry this copy as proof of coverage.

14. What are the modes of payment for buying a travel insurance policy?

HDFC ERGO allows both online as well as offline modes of paying for the travel insurance policy. The available modes include the following –

● Demand draft

● Credit card

● Debit card

● Net banking facility

● NEFT/RTGS/IMPS

1. Does a claim have to be lodged or made in a specific time frame from the time of the accident?

In case any of the insured events covered by the travel insurance policy occurs, it’s best to give us a written notice of the incident as soon as practicable. In any case, the written notice must be given within 30 days of such an event occurring. In case the insured event is the death of a person covered by the plan, the notice must be given immediately.

2. How long does it take to process a travel insurance claim?

We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.

3. What kind of documentation is required while making a travel insurance claim?

The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted. 1. The Policy Number 2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis 3. All invoices, bills, prescriptions, hospital certificates which will permit us to accurately determine the total amount of medical expenses (if applicable) incurred 4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible, the insurance details of the other party 5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries 6. Proof of age, where applicable 7. Any such other information we may require to handle the claim In case of any accident covered by the travel policy, the following proof must be submitted. 1. Detailed circumstances of the accident and the names of witnesses, if any 2. Any police reports concerning the accident 3. The date a physician was seen consulted for the injury 4. The contact details of that physician In case of any sickness covered by the travel policy, the following proof must be submitted. 1. The date on which the symptoms of the sickness began 2. The date on which a physician was consulted for the sickness 3. The contact details of that physician

4. What if I lose my baggage? How do I make a claim in such a case?

Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss. If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825 You can also visit this blog for more information.

5. How do I claim on my travel insurance?

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825

6. Will I be able to extend the travel insurance policy if I already have an ongoing claim?

No. You cannot extend the existing HDFC ERGO travel insurance policy if you have already raised a claim on it.

6. How many days does it take to settle the claim?

The claim is settled in three working days from the date of receiving the last documents for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).

6. What would be the documents required to file a travel insurance claim for COVID-19?

Documents required for filing a travel insurance claim are the same as Emergency Medical Expenses, which will only cover expenses for patients who test positive for COVID-19. It will not cover expenses for home quarantine or quarantine in the hotel.

1. Can I renew my travel insurance policy online?

only Annual multi-trip policy can be renewed. Single trip policies cannot be renewed.

2. How do I check the status of my HDFC ERGO travel insurance renewal?

Only AMT policies can be renewed. Single trip policies cannot be renewed. Extension of single trip policies can be done online.

3. What are the Details and Documentation of the Travel Insurance Extension?

The details and documentation needed for travel insurance cover/extension are your basic details like name, age, journey details, and start and end day of your travel. You can get travel insurance online by filling out these basic details and paying.

4. Can I extend my travel insurance policy when travelling abroad?

If you are already covered under HDFC ERGO’s travel insurance cover, you can extend your travel insurance only if the policy has not expired. Ideally, if you need to extend your travel insurance, you can do that in India before your journey begins.

Here are a few more points you should keep in mind for extending your travel insurance:

• There should be no claim availed on the original policy.

5. How to Extend Your Travel Insurance Policy?

You can extend your travel insurance policy online by login here , or you can call our helpline no to extend travel insurance.

1. How To Get Travel Insurance With Covid-19 Cover?

HDFC ERGO’s Travel Insurance covers coronavirus hospitalisation. You don’t have to buy separate insurance for COVID-19. Your travel medical insurance will give you cover for the same. You can buy travel insurance online by visiting our website or calling our helpline number 022 6242 6242.

Following are some of the features covered for COVID-19 in travel insurance -

● Hospital expenses if one gets COVID-19 while covered under overseas travel insurance.

● Cashless treatment in network hospitals.

● Reimbursements of medical expenses.

● Daily cash allowance during hospitalisation.

● Expenses related to transferring mortal remains to home country in case of death due to COVID-19

2. When should I buy Covid-19 travel insurance?

Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan , which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.

3. Does travel insurance cover a positive PCR test?

No, travel insurance doesn’t cover a Positive PCR Test if detected before your journey. However, hospital expenses, medical reimbursements and cashless treatment in network hospitals are provided as mentioned under your travel insurance policy if you get infected with coronavirus while travelling.

4. Can you get a refund on flights if you have COVID?

No, flight cancellations due to COVID-19 infection are not covered under HDFC ERGO’s International Travel Plan.

5. How much does COVID-19 travel insurance cost?

While buying Travel Insurance online, you can opt for Individual Travel Insurance , Family Travel Insurance or Student Travel Insurance , depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.

6. Can I get travel insurance with pre-existing conditions and COVID-19coverage?

HDFC ERGO’s travel insurance policy doesn’t cover pre-existing conditions during your stay, even if you are covered under International travel insurance. However, you will be covered for COVID-19 hospitalisation during your insured period.

7. Does travel insurance cover quarantine?

No, HDFC ERGO’s travel insurance plan doesn’t cover quarantine expenses.

8. How can I claim for COVID-19 expenses through my travel insurance?

We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.

9. Does travel insurance cover missed flights due to Covid-19 Testing?

No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.

10. How long does it take to process the claim?

While we will try to help you with your claims at the earliest, it isn't easy to define the length of the claim period as it will depend from case to case. Therefore, we try to settle the claims in record time upon receipt of the original invoices.

11.Can the period of travel insurance be extended?

Yes, the travel insurance period can be extended only once, subject to the following conditions.

• The original policy period has not expired.

• There is no claim on the original policy.

• The sum insured will not be enhanced upon extending the plan.

• You will need to provide a declaration of good health.

• The extension premium has to be paid before the actual extension is affected. However, note that you might not be able to extend your travel insurance plan if you have already placed a claim on your existing HDFC ERGO travel insurance policy.

10. Who is a Third Party Administrator or TPA in Travel Insurance?

A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.

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Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. HDFC Ltd. and HDFC Bank merger stands concluded, effective 1st July, 2023. HDFC ERGO General Insurance Company Limited is now a subsidiary of the Bank.

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HSBC Takes $1 Billion Hit From Argentina Sale as Asia Pivot Continues

A drone view shows HSBC's headquarters, as the bank is selling its business in the country, in Buenos Aires, Argentina April 9, 2024. REUTERS/Matias Baglietto

By Rishav Chatterjee and Lawrence White

LONDON (Reuters) -HSBC is selling its business in Argentina and booking a $1 billion loss on the deal, the bank said on Tuesday, as it continues to shrink its once globe-spanning empire to focus on Asia.

HSBC is selling the business, which covers banking, asset management and insurance, to Argentina's fifth largest bank Grupo Financiero Galicia for $550 million, the British bank said.

HSBC CEO Noel Quinn has sought to simplify the sprawling lender to improve performance by exiting several markets in which it has under-performed, including France and Canada.

The sale also fits with the bank's Asia pivot strategy as it shifts capital, especially to India and China.

HSBC's shares were flat in early trading in London, while its Hong Kong-listed shares gained 1.1%.

"Argentina has been a problematic market for HSBC in recent years given hyperinflation in the region and a sharp currency devaluation, which has resulted in significant earnings volatility for the business," said Gary Greenwood, analyst at Shore Capital.

"Exiting Argentina also represents a further step in management’s strategy to simplify the Group and concentrate resources on areas of the business where greater shareholder value can be created," he said.

As well as booking a loss in the first quarter, HSBC said the deal would lead it to recognise $4.9 billion in historical currency translation reserve losses when the sale closes.

The losses grew by $1.8 billion last year as a result of the devaluation of the Argentinian peso, the bank said.

HSBC said those losses had already been recognised in its capital levels and would have no impact on its core capital or asset value levels.

"This transaction is another important step in the execution of our strategy and enables us to focus our resources on higher value opportunities across our international network," Quinn said in a statement.

"HSBC Argentina is largely a domestically focused business, with limited connectivity to the rest of our international network," he said.

The Argentina business, given its size, creates substantial earnings volatility for the group when its results are translated into U.S. dollars, according to HSBC.

HSBC has faced shareholder scrutiny in recent years over its geographic spread and overall strategy.

The bank defeated a resolution last year from Hong Kong-based shareholders, and backed by major Chinese investor Ping An, to potentially spin-off its Asia unit to try to fully realise the value of its most lucrative business.

The bank said it remained committed to the United States, where it exited retail banking in 2021, and to Mexico, a question mark for the bank ever since it paid $2 billion in 2012 to U.S. regulators over lax money laundering controls.

(Reporting by Rishav Chatterjee in Bengaluru and Lawrence White in London; Additional reporting by Yantoultra Ngui in Singapore and Iain Withers in London; Editing by Shounak Dasgupta, Sonali Paul and Mark Potter)

Copyright 2024 Thomson Reuters .

Tags: Argentina , Hong Kong , United Kingdom , Europe

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Eid al-Fitr opening hours

Our branches and Customer Service Units will be closed during Eid al-Fitr, and will open again depending on when the end of Ramadan is declared:

• If it is declared on Monday 8 April, they will be closed from Monday 8 April and will reopen on Friday 12 April

• If it is declared on Tuesday 9 April, they will be closed from Tuesday 9 April and will reopen on Saturday 13 April

During the Eid holiday, cheque clearing, domestic payments that don’t meet the Immediate Payment Instructions (IPI) criteria, international outward payments via online banking and international inward payments will not be processed.

Our self-service terminals (ATMs), digital and phone banking services remain fully operational during this period.

We wish you all a happy Eid al-Fitr.

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Travel Insurance

Alternatively please call  800 4560 .

• Instant quote & Instant cover
• Simple enrollment process
• High value cover for low premiums
• Extensive Cover options
• Global presence and worldwide arrangements
• Multilingual healthcare professionals
• 24/7 365 days a year travel assistance

Are you eligible?

You can apply for travel insurance if you are:

• a UAE resident
• a GCC resident traveling from their country of residence

Things you should know

• travel smart is one of the best travel insurance products in the market, to cover you for any medical and travel inconvenience, ensuring a worry-free holiday
• travel schengen is the compulsory minimum cover required for obtaining a visa to any Schengen country
• Travel insurance policy Terms and Conditions (PDF) Travel insurance policy Terms and Conditions (PDF) Download link

Find out more

Get started by requesting a quote online

Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

General insurance products are provided by GIG Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of GIG's general insurance products and is not responsible for claims, processing or otherwise.

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TravelSurance

Travel confidently with comprehensive coverage

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.

Should you have any queries about TravelSurance cover under Coronavirus Disease 2019 , please see our FAQs .

Key benefits

Covered for emergencies

Comprehensive cover, including personal accidents up to HKD2 million, and medical expenses up to HKD5 million 

Designated loss coverage

Cover designated loss such as adverse weather conditions, strike, terrorism or natural disasters 

Covers all ages with full benefits

All insured persons, including any children, will enjoy the full benefits under this plan 

Coverage for your phone

Get up to HKD6,000 coverage for your phone 

Limited time offer

Apply for TravelSurance between 18 Mar 2024 and 17 May 2024 (both days inclusive) to get:

• 30% off your first year’s premium and HKD100 Wellcome supermarket cash vouchers for annual MultiTrip TravelSurance
• 15% off for Single Trip TravelSurance

T&Cs apply

Compare HSBC TravelSurance Plans

Check out the  full coverage details . Enjoy extra benefits if you choose our Annual MultiTrip TravelSurance:

• Year-round protection with one-off premium payment for unlimited number of trips per year, up to 100 days per trip
• 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.
• If you travel to mainland China frequently, enjoy hospital admission deposit guarantee to designated hospitals in mainland China with a China Medical Card option under your annual MultiTrip policy

What's included?

Our plans generally cover:

We'll reimburse the necessary medical expenses incurred during a trip and follow up medical expense within 3 months after return to the Hong Kong SAR up to HKD5 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.

Sports and Activities [@sportsactivitiestravelsurance]

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 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.

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.

Expand 

Travel delays and loss of documents.

We’ll pay up to HKD2,500 if your scheduled transportation is delayed for more than 6 hours.

If you choose to buy the standard plan, you can have an alternative option of buying another one-way travel ticket to catch up with the planned itinerary and may reimburse up to HKD4,000. If you lose important documents such as your passport, we’ll cover replacement costs up to HKD5,000.

• China Medical Card (PDF)

Simply present your China Medical Card with your personal identification to designated hospital in mainland China, you won’t need to pay any deposit in advance. The card only costs HKD300 per annum.

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 up to HKD5,000 for items charged while outside the Hong Kong SAR during the trip will be covered.

• Find out more about credit card protection (PDF)

Funeral expenses

For more details, refer to the policy provisions (PDF)

What's NOT included?

Our plans generally do not cover:

• riot, civil commotion, war, invasion, civil war and related perils 
• suicide, self- inflicted injury, illegal acts, insanity, drugs-taking, alcohol abuse, venereal disease, AIDs.
• any pre-existing conditions
• childbirth, pregnancy, miscarriage, travelling for the purpose of obtaining medical treatment
• 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 of travelling by a recognised airline or air charter company
• manual work (e.g. involving the use of mechanical and/or electrical equipment or handling of explosive or hazardous substances, etc.)
• property more specifically insured 
• claims where not notified in writing to AXA General Insurance Hong Kong Limited within 31 days after end of the trip

For a full list of exclusions, refer to the policy provisions (PDF) .

How to apply

Eligibility.

To be able to apply you must:

• be an HSBC bank account or credit card holder
• be an HKSAR resident and applying for this insurance policy in the HKSAR
• depart from and return to the HKSAR from your insured destination
• hold an HKID card for online applications
• take note of the below for child cover:
• for child under 18 years old, the parent or legal guardian[@legalguardiantravelsurance] information of the child must be provided during the application
• children aged under 12 years old must be accompanied by an adult during the trip
• provide information of any spouse/partner[@partnerdefinition], children, relatives and friends if you wish to insure them under the same policy

Important Information 

•   TravelSurance Declaration, Terms and Conditions TravelSurance Declaration, Terms and Conditions Modal
•   Fees & Charges Fees & Charges Modal
•   Forms and documents Forms and documents Modal
•   Important Information Important Information Modal
• TravelSurance Product Factsheet (PDF) TravelSurance Product Factsheet (PDF) Download
• TravelSurance policy document (PDF) TravelSurance policy document (PDF) Download
•   Frequently asked questions (FAQs) Frequently asked questions (FAQs) Modal
•   Find a branch Find a branch Modal

HSBC customers can apply for a TravelSurance policy online

Or visit a branch

You can visit one of our branches to find out more

Find out more

If i don't have a hong kong identity card, can i still apply for travelsurance .

Yes, you can, as long as you will start and finish your journey in Hong Kong. You require an HKID card in order to apply online, so can call  (852) 2867 8678  or visit any HSBC branch in Hong Kong in order to apply if you do not have one.

Can children be covered by TravelSurance policies? 

Can i buy travelsurance for my friends or their children .

Yes, you can. Before starting the application, you should make sure you have the people you’re trying to insures’ full names, Hong Kong Identity numbers and dates of birth.

Who can I contact for assistance in case of emergency? 

You can call our 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.

Can I extend my policy period while I'm abroad? 

Yes, you can manage your policy and submit service requests from anywhere either by calling  (852) 2867 8678  during office hours or logging on to HSBC Personal Internet Banking at any time. Please note you can extend your policy any time prior to its expiration

What happens if while covered I'm hospitalised abroad and unable to speak the local language? 

In the event that you’re ill or injured abroad and require a translator, you can call the Emergency Assistance hotline for referral and we will cover the cost of this service up to HKD500 per day and HKD5,000 per trip.

What happens if one of my flights gets delayed and I can't catch the connecting flight? 

In the event that you need to book an additional last-minute flight due to delay, we will cover all or part of the additional cost as long as the delay in question lasts over 6 hours. Asia Standard Plan holders will be covered up to HKD2,000, while Worldwide Standard Plan holders may receive up to HKD4,000 towards their additional one-way ticket.

Are sports and activities covered by TravelSurance? 

Yes, provided you don't take part professionally or for remuneration.

For example, activities such as safaris, whale tours, water sports and skiing are covered, as are more hazardous activities such as hot air ballooning, hang-gliding and parachuting.

However, aviation other than with a licensed aircraft operator is not covered, while scuba diving is covered as long as you don’t go beyond a depth of 40 metres.

To see what you’ll be covered for under TravelSurance, check the full list (PDF) .

Will I receive extra protection if an Outbound Travel Alert is issued for my planned destination? 

Yes, you will receive extra protection both before and during your trip should this occur.

Before your trip, you may:

• Cancel your Single Trip TravelSurance policy and receive a full premium and levy^ refund
• Be reimbursed up to 50% of the irrecoverable deposits or charges paid in advance if your trip is cancelled because of a red alert. You can claim up to HK$50,000 if you  have a Standard Plan and HK$25,000 if you have a Basic Plan
• Be reimbursed up to 100% of the irrecoverable deposits or charges paid in advance if your trip is cancelled due to a black alert. You can claim up to HK$50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan

During your trip, you may:

• Have your insurance automatically extended for 10 days at no cost if your return flight is unavoidably delayed due to any travel alert
• Be reimbursed up to 50% of the unused irrecoverable prepaid costs or additional travel-related cost if your trip is cut short due to a red travel alert. You can claim up to 50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan
• Be reimbursed up to 100% of the unused irrecoverable prepaid or additional travel-related costs if your trip is cut short due to a black travel alert. You can claim up to 50,000 if you have a Standard Plan and HK$25,000 if you have a Basic Plan
• Receive an additional HKD1,000 subsidiary should a black travel alert disrupt transportation during your trip

Can I claim for medical expenses incurred during my trip? 

Yes you can. TravelSurance covers medical expenses incurred abroad provided that the condition being treated isn’t a pre-existing one.

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Disclaimer 

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 Insurance Authority 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 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.

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Travel insurance 

Travel insurance update

We're no longer offering single and annual multi-trip travel insurance policies to new customers.

Our travel insurance policies

Insurance Aspects

For existing HSBC Advance customers with an HSBC Insurance Aspects policy

Premier Worldwide Travel Insurance

If you’re a Premier customer, here are the details of the worldwide travel cover for you and your family

Understand more about travel insurance

Things to consider when booking a holiday

Should you get travel insurance?

How to make an insurance claim

Customer support.