hsbc travel insurance malaysia

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Premier Worldwide Travel Insurance

Relax with HSBC Premier Worldwide Travel Insurance

Enjoy worldwide travel insurance for you and your loved ones.

Cover is provided by Aviva Insurance Limited. You must complete an application to be covered. Please read the  Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB)  for a summary of terms, conditions, limitations and applicable exclusions.

For the latest coronavirus travel guidance, see  what’s covered under HSBC Travel Insurance .

If you already have Premier Worldwide Travel Insurance, find out how you can manage your policy or make a claim.

Premier Worldwide Travel Insurance is only available to HSBC UK Premier bank account holders. It is not available on savings or other accounts. Subject to application.

What's included

Worldwide cover for you, your partner, your dependent children and grandchildren.

The cover is for you (the HSBC account holder) and your domestic partner - if you're both under 70 years of age on the start date of your trip - and any dependent children or grandchildren travelling with you.

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

Children covered by this policy must be under 23. Grandchildren covered by the policy must be under the age of 23 and don’t have to live with you.

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

To be covered for medical claims, you must be registered with a doctor in the UK, Channel Islands or Isle of Man.

Holidays in the UK

Holidays taken in the UK, Channel Islands or Isle of Man are covered if they involve a stay of at least 2 consecutive nights.

They must also have either of the following:

• pre-booked holiday accommodation in commercially-run premises 
• pre-paid bookings on public transport, including flights and ferries

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

Business trips

You're covered to travel outside the UK in connection with an insured person’s job to carry out non-manual work such as administrative tasks, meetings and conferences.

We don't cover any claim in connection with an insured person’s job where the trip involves:

• manual or physical work of any kind
• working with children
• providing healthcare, policing, security or military service
• an insured person’s role as a politician, religious leader, professional entertainer or sportsperson

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

Medical conditions

You'll need to call the HSBC Medical Risk Assessment Helpline on 0800 051 7457 before booking your trip if you, or any insured person, has in the last 12 months, experienced any of the following for a condition not on the accepted conditions list in your policy wording: 

• been prescribed medication, including newly prescribed or repeat medication
• received or is awaiting medical treatment, tests or investigations
• been referred to, or is under the care of, a specialist/consultant
• been admitted to hospital or had surgery

You must also tell us if any of the above happen regarding conditions you have already declared, if there are any changes to prescribed medication or if any of the conditions deteriorate.

All pre-existing medical conditions must be on the 'accepted conditions' list in your policy wording to be covered, otherwise they must be disclosed to and accepted in writing by the insurer.

What's not covered

Pre-existing conditions.

Pre-existing conditions are not covered at any time under the policy unless listed on the accepted conditions list, or were disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline. You may be able to get cover for these from a specialist insurer. MoneyHelper has a list of these insurers – you can check its travel directory or call  0800 138 7777 .

Undiagnosed symptoms

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

Things to know

Are you eligible for premier worldwide travel insurance.

Please ensure you can answer yes to the following questions:

Do you hold an HSBC Premier account?

Are you under 70 years of age?

Are you resident in the UK (not including the Channel Islands or the Isle of Man)?

• Are any dependent children/grandchildren under 23 years of age, on the start date of the trip?  

Your application must have been accepted by HSBC for cover to apply.

When does the cover start and end?

Cover starts from the date your travel insurance application is accepted. It remains in place until the account is closed, its converted to a different account, you cancel your policy, or you are no longer eligible for cover – whichever is sooner.

How to make a claim

For details of how and when to make a claim, please visit our travel Insurance claims page.

Make a travel insurance claim

Policy documents

• Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) Premier Worldwide Travel Insurance Product Information Document (PDF, 152KB) Download
• HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits), and HSBC Premier Accounts (PDF, 528KB) HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits), and HSBC Premier Accounts (PDF, 528KB) Download
• Privacy Notice (PDF, 160KB) Privacy Notice (PDF, 160KB) Download
• Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Download

How do I find out if I already have travel insurance with my HSBC bank account? 

Premier Travel Insurance is available to HSBC UK Premier customers only. That means customers with an HSBC Premier bank account, an HSBC Premier (retained Jade Benefits) or an HSBC Private Banking account.

HSBC UK Premier customers:   You should have travel insurance with your account if you're under 70, are resident in the UK and have successfully completed an application

HSBC Premier (retained Jade Benefits) or an HSBC Private Banking customers:   You should have travel insurance with your account if you're under 80, are resident in the UK and  have successfully completed an application.

You can request confirmation of your travel insurance on Aviva's website at  aviva.co.uk/hsbctravelproof

Do you need to notify us before you use your HSBC debit or credit card outside the UK? 

No, you no longer need to notify us before you travel. To find out more about managing your money whilst you travel, see  using your card abroad .

I've lost my invitation to apply for HSBC Premier Travel Insurance. How do I apply? 

Call us on 03457 70 70 70 . We'll provide you with the link to apply once we've verified your account information.

Our lines are open 08:00 to 20:00 every day.

Do I have to apply for HSBC Premier Travel Insurance at the same time as I open my bank account? 

No. You can apply at any time as long as you meet the eligibility criteria and hold a Premier account.

You can call us on 03457 70 70 70 and we'll provide you with the link to apply.

You won't be covered if you don't complete a successful application.

Can I get help to complete my application for HSBC Premier Travel Insurance? 

If you need help, please call us on 03457 70 70 70 to make an appointment for a member of our team to complete the application with you over the phone.

I have a joint account. Can I complete the application for HSBC Premier Travel Insurance for both of us? 

Yes, although only one account holder should complete the application. If you don’t have permission to provide the other account holder’s details, you won’t be able to complete the application online and will need to call us on 03457 70 70 70 to book an appointment (for which both account holders will need to be available). Our lines are open 08:00 to 20:00 every day. 

When can my HSBC Premier Travel Insurance cover start? 

Assuming you're eligible, your cover will start as soon as you submit your application. 

When will I receive my HSBC Premier Travel Insurance policy documents? 

It can take up to a week to process your application and issue your welcome pack and policy documents. If you'd like to review your policy documents now, you can find them in the insurance section at hsbc.co.uk/legal . 

How can I get written confirmation I am covered by HSBC Premier Travel Insurance? 

If you need confirmation of your cover, you can request it on Aviva's website . If you applied for cover in the past 7 days, please call us on 03457 70 70 70 .

My HSBC Premier Travel Insurance mentions restricted cover. What does this mean? 

If your recent HSBC Worldwide Travel Insurance application displayed a restricted cover decision, this is because you, or someone to be covered by the policy, is either:

• not registered with a doctor in the UK; and/or
• has a pre-existing medical condition

There is no cover for any medical claims for anyone not registered with a doctor in the UK.

To change this please register with a doctor in the UK. Once registered, please read the ‘Your Health’ section in your Policy Wording for full details of when and what you must declare.

Anyone with a pre-existing medical condition not shown on the ‘Accepted conditions’ list in your Policy Wording will need to complete a screening. To do this please call the Medical Risk Assessment Team on 0800 051 7457 . There is no cover for any pre-existing medical conditions until this has been completed.

Explore more

See all insurance options, things to consider when booking a holiday, how to make an insurance claim, customer support.

• Credit Card

HSBC TravelOne Credit Card

• Limited to Malaysians only
• Min. Monthly Income of RM 5,000/month

Minimum monthly income

Interest rate p.a, balance transfer rate (fixed), special offers, win a insta360 x4 or rm2,000 credits via rewards360 when you apply, activate and spend with hsbc credit cards via comparehero today..

Minimum monthly income RM 300

Annual fee 15%, interest rate p.a 6.96%, balance transfer rate (fixed) special offers, product details.

• Eligibility
• Fees & Charges
• Document required

Auto Balance Conversion

• Automatically converts outstanding statement balances into a 36 monthly instalment plan
• Lower management fee at 13% p.a.
• No processing fee
• No early termination

Cash Advance

• Flexibility for emergency use or when a credit card payment is not acceptable
• No documents required
• 24-hour instant cash withdrawal from any ATM worldwide

Balance Transfer

• Consolidate credit card outstanding balances
• Enjoy a 3% upfront management fee with a 0% fee for the next 5 months
• Have the flexibility of making a minimum monthly payment of the total outstanding balance

Cash Instalment Plan

• Convert available credit limit into cash
• Low management fees at 8.88% flat p.a.
• Monthly payment up to 60 months
• Hassle-free thanks to an easy application process
• Examples of immediate needs: education, healthcare, vacation, wedding, renovation & furnishing
• Secure transactions when making online purchases
• Securepay One Time Password will be sent via sms for each online purchase.

Pin and Pay

• For improved financial security and to prevent credit card fraud
• 6-digit Personal Identification Number (PIN) will be used for all credit card payments at point-of-sale terminals in Malaysia.
• New credit cards have the contactless Paywave feature, which allows a fast, easy and convenient way to pay
• Safe purchase with just a tap for everyday purchases

Email statements

• Timely delivery of credit card statements in a secure and private manner
• No lost or misplaced statements
• No more physical filing
• HSBC Go Green Initiative - advocating a paperless environment and reducing the global carbon footprint

Balance Conversion

• Instant Approval

* The Bank will make a Charity Donation to Selected Charity Organization(s) which is equivalent to 1% of the Eligible Charity Spend made by Eligible Cardholders, up to a maximum of RM500,000 per year. List of Selected Charity Organization(s) found at www.hsbcamanah.com.my/charities

You will need to provide several documents such as (varies between different banks):

Salaried Employees (Malaysian):

Multinational / Public listed Companies/Government/Semi-Government office

• Photocopy of MyKad (both sides)
• Recent utility bill if the address on MyKad is different from your residential address
• Latest monthly salary slip or letter of confirmation from the employer if employed less than 3 months OR
• Latest income tax return (Form BE with tax receipt) or Form EA or EPF statement

Other Companies

• Latest monthly salary slip OR bank statement showing latest 3 months salary credit AND

Self Employed (Malaysian):

• Photocopy of Business Registration Form (established minimum 2 years)
• Latest income tax return (Form B with payment receipts or CPO2 attached or EPF statement ) OR
• Latest 6 months bank statements

Expatriate:

• Copy of passport showing personal details and work permit (must be valid for at least 1 year)
• Latest month salary slip
• Letter of confirmation from employer stating position, remuneration and duration of employment
• Minimum RM10,000 per month

Product review by

Get rewarded for your travels and redeem them instantly with the HSBC TravelOne Credit Card. It's time to elevate the way you travel with airline and hotel perks you can redeem through the app.

Redeem your rewards instantly

Redeem your rewards as soon as you want to with the HSBC TravelOne Credit Card's instant redemption feature. Redeem perks from a wide selection of hotel and airline partners through HSBC Malaysia's Mobile Banking app. For most of the partner merchants, you can use your chosen reward/s as soon as you select it in the app.

Earn up to 8x Reward points

Using your HSBC TravelOne Credit Card will lead you to your desired reward fast with its accelerated Reward points, especially when it comes to travel-related spend. Below are the number of Reward points you'll receive for every spend.

For more information, you may click on the links below:

HSBC TravelOne Credit Card Terms and Conditions

HSBC Credit Cards Product Disclosure Sheet

What are HSBC TravelOne Credit Card's main benefits?

• Instant rewards redemption through HSBC Malaysia Mobile Banking app
• Up to 8x Reward points on various local and international spend
• Complimentary travel insurance coverage up to USD250,000
• 6 complimentary access every year at selected Plaza Premium international airport lounges
• Exclusive travel offers on Agoda

Is there an annual fee for the HSBC TravelOne Credit Card?

Yes, there's an annual fee of RM300 for primary cardholders and RM150 for supplementary cardholders.

What are the requirements to get an HSBC TravelOne Credit Card?

You need to be at least 21 years old and have a minimum annual income of RM60,000 to apply.

Does the HSBC TravelOne Credit Card have additional fees and charges?

The HSBC TravelOne Credit card has the following fees and charges:

• RM25 for sales and service tax purposes
• Late payment fee of 1% or a minimum of RM10 from the overdue amount, whichever is higher. Maximum is RM100.
• Interest rate of 15% annually, provided you make the minimum monthly repayment which is 5% or RM50 from the overdue amount, depending on which amount is higher.

Will the HSBC TravelOne Credit Card suit my lifestyle?

If you frequently travel and want to use your rewards as soon as you have the required Reward points, the HSBC TravelOne Credit Card is the right card for you with its travel perks from merchants such as Singapore Airlines, Marriott Bonvoy, Agoda and other travel partners.

How do I apply for an HSBC TravelOne Credit Card?

Simply apply through CompareHero by clicking the Apply Now button on top and we will help process it for you in just two steps. Alternatively, you can also drop a call at +6012-385 0211 and our customer service will get in touch with you as soon as possible.

Looking for more options?

• Mon - Fri 9:00am - 6:00pm
• Call: (012) 385 0211

Travel Insurance and Takaful

One of the best online travel insurance and takaful in malaysia., tripcare 360 insurance.

Get coverage for travel delays, loss of baggage, medical emergencies and other travel inconveniences.

• 25% rebate when you apply online
• Cashless medical care
• Coverage for loss of valuables and travel delays
• Add-on options for adventurous activities
• New COVID-19 coverage for your overseas travels

TripCare 360 Takaful

Get coverage (with Shariah-compliant plan) for travel delays, loss of baggage, medical emergencies and other travel inconveniences.

• Cash back when you make no claims for the annual plan

Travel Ezy Insurance

Get compensated for domestic flight delays

• Get paid RM60 when your flight is delayed by 30 minutes or more

i-Travel Ezy Takaful

Get compensated (with Shariah-compliant plan) for domestic flight delays.

What our customers say about us

The only people whose opinions we value and learn from are our customers.

 I submitted a claim under my travel insurance policy with documents in the morning and to my absolute amazement the claim was paid in the afternoon. In all my years in dealing with insurance companies I have never encountered such efficiency in dealing with claims and I thank the staff of Etiqa involved in processing my claim. Etiqa should be the insurance of choice for everyone 

 It was truly a wonderful experience with the Etiqa customer service at Dataran Maybank. Recently, I went to purchase a travel insurance for my family. The staff at the Customer Service counter was really helpful and friendly. It took me less than 10 mins to get it done. Thumbs up Etiqa! 

 It was such an unpleasant experience when I lost my purse due to theft in Halstatt, Austria last December. However, travel insurance from Etiqa definitely came to the rescue. Upon submission the report to Customer Experience Department of Dataran Maybank, they processed the claim promptly and I received the insured amount ie rm1500 within a few days. What an excellent experience! I subscribed to the same plan for my recent Edinburgh getaway and will definitely subscribe again for my next escapade. 

© 2023 Etiqa. All Rights Reserved.

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We can't wait to send you updates that we hope you'll find informative and helpful.

KUALA LUMPUR (May 16): HSBC has launched the HSBC TravelOne Credit Card in partnership with Mastercard.

In a statement on Tuesday (May 16), the bank said the card is the first in the market that allows cardholders to instantly redeem their travel rewards with selected airlines and hotel chains via the HSBC mobile banking app.

HSBC Wealth and Personal Banking (WPB) group head of retail banking and strategy Taylan Turan said customers want flexibility, incentives and discounts when they travel.

“We’re bringing them that by allowing our customers to redeem reward points instantly on our mobile banking app, converting their points with an extensive selection of the world’s leading airlines and hotels.

“The HSBC TravelOne Credit Card is a key part of our plans to grow our unique cross border international franchise, through offering a multi-market travel card in partnership with Mastercard,” he said.

Meanwhile, Mastercard Country manager for Malaysia and Brunei Beena Pothen said with travel back after a long hiatus, the launch of the HSBC TravelOne Credit Card with its travel benefits and exclusive privileges is well-timed.

“By enabling customers to instantly redeem their rewards via the mobile app while ensuring secure transactions anywhere at any time, the HSBC TravelOne Credit Card will provide frictionless and safe travel experiences for Malaysian cardholders when travelling around the world or closer to home,” said Pothen.

HSBC said the card not only offers instant redemption of reward points, but also allows customers to earn up to eight times reward points for their eligible spending, and they can also enjoy travel privileges such as complimentary travel insurance coverage and airport lounge access.  

Copyright © 1999-2023 The Edge Communications Sdn. Bhd. 199301012242 (266980-X). All rights reserved

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• HSBC Malaysia online banking

Important Risk Warning

• The investment decision is yours but you should not invest in this product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation and investment experience.
• Investment involves risk. Loss may be incurred as well as profits made as a result of buying and selling investment products.
• Currency conversion risk - the value of your foreign currency and MYR deposit will be subject to the risk of exchange rate fluctuation. If you choose to convert your foreign currency and MYR deposit to other currencies at an exchange rate that is less favourable than the exchange rate in which you made your original conversion to that foreign currency and MYR, you may suffer loss in principal.

Support / Resistance

vs USD 0.6602 / 0.6720  ⬆

AUD rose against the dollar yesterday as higher than expected US weekly jobless claims weighed on USD. AUD finds support on RBA Governor's hawkish guidance on the interest rate outlook on Wednesday. AUDUSD rose 0.27% yesterday while AUDHKD ended at 5.20 level.

vs USD 1.0813 / 1.0941  ⬆

EUR rose against the dollar yesterday as the USD eased ahead of release of US nonfarm payrolls data. The ECB went ahead with its first interest rate cut since 2019 despite an increasingly uncertain inflation outlook. EURUSD rose 0.18% yesterday while EURHKD ended at 8.50 level. 

vs USD 1.2706 / 1.2847  ⬆

GBP rose against the dollar yesterday amid weaker USD after softer US jobs data. Also GBP was underpinned after a survey showed that the S&P Global UK Construction PMI rose to 54.7 in May, records fastest growth in two years. GBPUSD rose 0.02% yesterday while GBPHKD ended at 9.99 level. 

vs USD 0.6116 / 0.6248  ⬆

NZD rose against the dollar yesterday amid USD weakness after weekly US jobless claims rose more than expected, rising speculation of an interest rate cut by the US Fed in September. NZDUSD rose 0.10% yesterday while NZDHKD ended at 4.84 level.

vs USD 7.2353 / 7.2795  ⬇

CNH fell against the dollar yesterday amid weak US economic data affecting USD and U.S. yields as Fed rate cut expectations strengthen. While today's China trade data and U.S. employment report for May will provide further cues. USDCNH rose 0.02% yesterday while CNHHKD ended at 1.07 level.

vs USD 1.3596 / 1.3744  ⬇

CAD strengthened against the US dollar yesterday as oil prices rose and Canada posted a smaller than expected merchandise trade deficit of C$10.5bn. Investors will be focused on release of jobs data today. USDCAD fell 0.18% yesterday while CADHKD ended at 5.71 level. 

vs USD 154.20 / 157.36  ➡

JPY strengthened against the dollar yesterday as investors digested remarks from BOJ Governor Kazuo Ueda about trimming the central bank's bond buying as it moved towards exiting from a massive monetary stimulus. USDJPY fell 0.32% yesterday while JPYHKD ended at 5.01 level.

vs USD 1.3421 / 1.3516  ⬆

SGD ended stronger against the US dollar yesterday as the USD eased against a basket of currencies while US treasury yields remained steady ahead of release of key US nonfarm payrolls data. USDSGD fell 0.21% yesterday while SGDHKD ended at 5.80 level.

vs USD 4.6777 / 4.7167  ⬆

USDMYR traded on defensive tone yesterday where spot opened a tad below 4.70 and drifted lower towards 4.69 in the morning session. After lunch we saw the pair trading in the range of 4.6900- 4.6950 before we saw better USD selling interest into the closing hour. The pair eventually closed the day at 4.6950. Overnight, jobless claim and labour cost rose lesser than expected, indicating US labour market is cooling but not enough to allay FED’s hesitance for a rate cut. With this, USDMYR opened around the same level as closing yesterday at around 4.6950 and expected to consolidate within 4.6850-4.7000 today. 

⬆ Consolidation, indicates that the currency's movement against USD has remained sideways

➡ Up Trend, indicates that the currency has been moving higher against the base currency

⬇ Down Trend, indicates that the currency has been moving lower against the base currency

Related Insights

FX Viewpoint: JPY and CHF: Winds of change?  

FX Viewpoint: AUD and NZD: Consolidate; ending 2024 on a higher note  

FX Trends: The USD’s double whammy  

FX Viewpoint: Will USD weakness continue?  

This document is issued by HSBC Bank Malaysia Berhad (127776-V) (HSBC). The information contained herein is derived from sources we believe to be reliable, but which we have not independently verified. HSBC makes no representation or warranty (express or implied) of any nature nor is any responsibility of any kind accepted with respect to the completeness or accuracy of any information, projection, representation or warranty (expressed or implied) in, or omission from, this document. No liability is accepted whatsoever for any direct, indirect or consequential loss arising from the use of this document. Any examples given are for the purposes of illustration only. The opinions in this document constitute our present judgment, which is subject to change without notice. This document does not constitute an offer or solicitation for, or advice that you should enter into, the purchase or sale of any security, commodity or other investment product or investment agreement, or any other contract, agreement or structure whatsoever and is intended for institutional customers and is not intended for the use of private customers. The document is intended to be distributed in its entirety. No consideration has been given to the particular investment objectives, financial situation or particular needs of any recipient. Unless governing law permits otherwise, you must contact a HSBC Group member in your home jurisdiction if you wish to use HSBC Group services in effecting a transaction in any investment mentioned in this document. This document, which is not for public circulation, must not be copied, transferred or the content disclosed, to any third party and is not intended for use by any person other than the intended recipient or the intended recipient's professional advisers for the purposes of advising the intended recipient hereon.

Copyright. HSBC Bank Malaysia Berhad (127776-V) 2015. ALL RIGHTS RESERVED. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of HSBC Bank Malaysia Berhad.