Travel insurance coverage | Credit card benefits

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Promotional period: 1 July 2023 to 30 June 2024

During the promotional period, use your HSBC (Taiwan) credit card to pay for more than 80% of your package tour charges or the full amount of airfare^* to enjoy all-round protection through our high-coverage travel insurance packages. Rest assured you'll be well protected in the event of flight delays or baggage problems.

Travel insurance: high-coverage protection for your time spent abroad, en-route in travel and while taking public transportation
Travel inconvenience insurance: compensation for actual losses incurred due to flight and baggage delays, losses or damage

* Please refer to 'service details' for details and amendments related to the Insurance Act, as well as attachments for filing claims.

*Remark: The payment for airline ticket cannot be offset entirely (e.g. mileage redemption, gift voucher, free voucher) or partially (including mileage redemption, discount voucher or coupon), or only pay for airport tax or war risk additional surcharge. No protection of credit card insurance will be provided for any airline ticket acquired by prize and award won by chance

If you're not an existing HSBC credit cardholder, apply now.

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Use your HSBC (Taiwan) credit card to pay for the full amount of travel-related transport expenses (such as commercial planes*, trains and ships) or more than 80% of the package tour charges (including travel-related transport expenses) for yourself or your family (your spouse or dependent and unmarried children below 25), and you'll enjoy all-round protection through our high-coverage travel insurance packages. However, if the transaction related to the afore-mentioned commercial airfare or package tour charges is cancelled by the insured party, the company will not be responsible for handling the claims thereon. Pertaining to the actual insurance content and other matters not covered here, the terms of the insurance contract shall prevail.

※ Free plane tickets are not covered by these insurance packages.

"Travel-related transport" refers to

flights licensed by the government and operating on fixed routes;
any means of transportation for which any traveller can purchase a ticket to ride on. To enjoy the insurance coverage, a cardholder has to use his/her valid credit card (with the insurance package) to pay for the full amount of public transport expenses or more than 80% of package tour charges during the insured period.

* The following flights are covered by the travel insurance policy: scheduled flights, referring to flights flying between certain designated airports, and listed on an airline's flight schedule and price list; charter flights or extra flights, referring to commercial flights not listed on an airline's flight schedule and price list, but that are chartered by a tour company on a regular basis to attract potential tour members, and that are operating on certain fixed routes licensed by the local government, as well as extra flights added to an existing route. Free air tickets are not covered by this travel insurance policy.

The following types of travel-related transport are not covered under the travel insurance policy:

Airplane for government and private enterprise purpose.
Tourism purpose instead of usual usage.
Domestic mass MRT, public car and cable car solely paid by credit card.

Insurance coverage for travel-related transportation

Sum insured for (NTD)
HSBC Premier Credit Card/Rewards Signature Card	Cashback Titanium Card/Cashback Signature Card/HSBC Advance Credit Card/HSBC Traveller’s Credit Cards	Platinum Card/Gold Card	HSBC Premier Debit Card
25 million	20 million	15 million	15 million

Sum insured for (NTD)
HSBC Premier Credit Card/Rewards Signature Card	25 million
Cashback Titanium Card/Cashback Signature Card/HSBC Advance Credit Card/HSBC Traveller’s Credit Cards	20 million
Platinum Card/Gold Card	15 million
HSBC Premier Debit Card	15 million

Scope of coverage and definitions:

Under the circumstances that a cardholder becomes disabled or dies due to accidental injury while taking travel-related transport as a passenger, the insurance pay-out will be based on the sum insured as stipulated in the relevant provisions:

When the insured is taking a commercial flight:
During the time period when the insured is travelling in a vehicle to and from the airport prior to the original flight departure time or within 5 hours upon arriving at the destination airport; waiting to board at an airport; or travelling in, boarding or alighting from a commercial airplane.
If the insured is taking travel-related transport other than the afore-mentioned, the time period during which the insured is travelling in, boarding or alighting.

Compensation items:

Death benefit (Note 1), disability insurance

Travel-related transport insurance with rider on injury medical insurance

Sum insured for (NTD)
HSBC Premier Credit Card	Cashback Titanium Card/Cashback Signature Card/ HSBC Advance Credit Card/Platinum Card /HSBC Traveller’s Credit Cards
100,000	100,000

Sum insured for (NTD)
HSBC Premier Credit Card	100,000
Cashback Titanium Card/Cashback Signature Card/ HSBC Advance Credit Card/Platinum Card /HSBC Traveller’s Credit Cards	100,000

Scope of coverage and definitions:

Under the circumstances that a cardholder suffers from an accidental injury while taking travel-related transport as a passenger, and undergoes treatment at a registered and qualified hospital or clinic within 180 days of the incident, the insurance company will pay out the difference between the actual medical expenses incurred and the portion covered under National Health Insurance.

When the insured is taking a commercial flight:
During the time period when the insured is travelling in a vehicle to and from the airport prior to the original flight departure time or within 5 hours upon arrival at the destination airport; waiting to board at an airport; or travelling in, boarding or alighting from a commercial airplane.
If the insured is taking travel-related transport other than the afore-mentioned, the coverage is limited only to the time period during which the insured is travelling in, boarding or alighting from the specific means of transportation.

If the insured receives treatment not as a member of the National Health Insurance plan; or if he/she goes to a hospital not covered under National Health Insurance for treatment, and as a result, the expenses incurred are not covered under the National Health Insurance, the insurance company will pay out 70% of the actual expenses incurred.

The total pay-out for the afore-mentioned injury cannot exceed the maximum pay-out per injury under medical insurance as listed in the insurance policy.

Compensation items:

Death benefit (Note 1), disability insurance

Overseas travel insurance

Sum insured for (NTD)
Rewards Signature Card
1 million

Sum insured for (NTD)
Rewards Signature Card	1 million

Scope of coverage and definitions:

If a cardholder uses his/her credit card to pay for all public transport expenses or 80% of the expenses of a tour organised by a travel agency during an overseas trip, and is injured in an accident during the trip, resulting in bodily damage and as a result, dies or is disabled, compensation will be paid out by the insurance company. The duration of the afore-mentioned trip cannot exceed 30 days.

Compensation items:

Death benefit (Note 1), disability insurance

Overseas travel insurance with rider on injury medical insurance (based on actual expenses incurred)

Sum insured for (NTD)
Rewards Signature Card
100,000

Sum insured for (NTD)
Rewards Signature Card	100,000

Insurance scope and definitions:

During an overseas trip as afore-mentioned, if a cardholder is injured in an accident, and undergoes treatment at a registered and qualified hospital or clinic within 180 days after the accidental injury, the insurance company will pay out the difference between the actual medical expenses incurred and the portion covered under National Health Insurance.

The duration of the afore-mentioned trip cannot exceed 30 days.

If the insured receives treatment not as a member of the National Health Insurance plan; or if he/she goes to a hospital not covered under National Health Insurance for treatment, and as a result, the expenses incurred are not covered under National Health Insurance, the insurance company will pay out 70% of the actual expenses incurred.

Compensation items:

Injury medical insurance

Special Declarations:

If a cardholder is disabled or dies due to an accident, and the compensation pay-out can be claimed under both overseas travel insurance and travel-related transport insurance coverage under the overall travel insurance policy, the cardholder can only select 1 of the 2 options.
If a cardholder suffers from an accidental injury, and the compensation pay-out can be claimed under both overseas travel insurance and travel-related transport insurance under the overall travel insurance policy policy, the cardholder can only select 1 of the 2 options.

Flight delay expenses (based on actual expenses incurred)

Pay-outs for flight delay expenses in overseas regions are as follows (NTD):
Cashback Titanium Card/Cashback Signature Card/HSBC Premier Credit Card/Rewards Signature Card/Advance Credit Card/Platinum Card/ HSBC Traveller’s Credit Cards	Gold Card
10,000 /20,000 (family total)	7,000/14,000 (family total)

Pay-outs for flight delay expenses in overseas regions are as follows (NTD):
Cashback Titanium Card/Cashback Signature Card/HSBC Premier Credit Card/Rewards Signature Card/Advance Credit Card/Platinum Card/ HSBC Traveller’s Credit Cards	10,000 /20,000 (family total)
Gold Card	7,000/14,000 (family total)

Pay-outs for flight delay expenses on Taiwan's main island and offshore islands are as follows (NTD):
Applicable card type	Meal expenses for each flight delay	Accommodation expenses for each flight delay	Maximum number of claims
HSBC Premier Credit Card/Advance Credit Card/Rewards Signature Card /Cashback Signature Card/Cashback Platinum Card/Platinum Card/ HSBC Traveller’s Credit Cards	Cardholder: NTD2,000 / Family total: NTD4,000	Cardholder: NTD8,000 / Family total: NTD16,000	Up to 3 claims per person during the promotional period
Gold Card	Cardholder: NTD1,200 / Family total: NTD2,400	Cardholder: NTD5,000 / Family total: NTD10,000	Up to 2 claims per person during the promotional period

Pay-outs for flight delay expenses on Taiwan's main island and offshore islands are as follows (NTD):
Applicable card type	HSBC Premier Credit Card/Advance Credit Card/Rewards Signature Card /Cashback Signature Card/Cashback Platinum Card/Platinum Card/ HSBC Traveller’s Credit Cards
Meal expenses for each flight delay	Cardholder: NTD2,000 / Family total: NTD4,000
Accommodation expenses for each flight delay	Cardholder: NTD8,000 / Family total: NTD16,000
Maximum number of claims	Up to 3 claims per person during the promotional period

Applicable card type	Gold Card
Meal expenses for each flight delay	Cardholder: NTD1,200 / Family total: NTD2,400
Accommodation expenses for each flight delay	Cardholder: NTD5,000 / Family total: NTD10,000
Maximum number of claims	Up to 2 claims per person during the promotional period

Scope of coverage and definitions:

The flight that the insured is taking is delayed for more than 4 hours
The flight that the insured is taking is cancelled or is cancelled due to overbooking, and the insured cannot switch to another flight within 4 hours
The insured misses a connecting flight because the previous flight is delayed, and the insured cannot switch to another connecting flight within 4 hours
Delays or cancellations of flights originating from the insured's home countries/territories are not included if the delay or cancellation is confirmed before the insured checks in at the airport
The insurance company will not be responsible for any compensation pay-out if the traveller cancels the transactions related to the payment for the tour package or the flight booking

Compensation items:

The insured will be compensated for the following expenses incurred during the time when the flight is delayed and before the airline arranges the next available flight for the insured. The original receipts or invoices must be presented for verification (compensation will be paid out based on the actual expenses incurred instead of making a lump sum payment). However, the insurance does not cover expenses incurred in the insured's place of residence:

Reasonable and essential dining and accommodation expenses: (up to NTD2,000/person/meal, the stipulated insured amount will apply in the case of Taiwan and the main island)
Transportation expenses incurred while travelling between the airport and the accommodation location:
Limited to transportation expenses incurred while travelling between the airport of the delayed flight and the accommodation location; transportation expenses incurred while going to a dining location or any other locations (such as a pier or railway station, or to visit a friend) are not included in the scope of coverage.
If the insured needs accommodation due to flight delays, and his/her baggage has been checked in, expenses incurred while buying daily necessities will be compensated only if
1. accommodation is required AND the insured's baggage has been checked in (luggage tag is required for checking)
2. the daily necessities purchased are items essential for an overnight stay (Note 2).
Expenses incurred while making international calls:
Limited to expenses incurred while making international calls during the time period of the flight delay. Relevant phone bills have to be presented.

Deadline for filing claims:

File your claims with the insurance company within 30 days from the date of the incident.

Baggage delays, losses and damage expenses (based on actual expenses incurred)

Sum insured for (NTD)
Cashback Titanium Card/Cashback Signature Card/HSBC Premier Credit Card/Rewards Signature Card/Advance Credit Card/Platinum Card/HSBC Traveller’s Credit Cards	Gold Card
10,000 /20,000 (family total)	7,000 /14,000 (family total)

Sum insured for (NTD)
Cashback Titanium Card/Cashback Signature Card/HSBC Premier Credit Card/Rewards Signature Card/Advance Credit Card/Platinum Card/HSBC Traveller’s Credit Cards	10,000 /20,000 (family total)
Gold Card	7,000 /14,000 (family total)

Scope of coverage and definitions:

Due to the airline's improper handling, the insured's checked-in baggage is not delivered more than 6 hours and less than 24 hours after arriving at the destination airport (original departing location or the insured's place of residence are excluded).

Compensation items:

Actual expenses incurred by the insured in purchasing daily necessities for emergency use prior to retrieving his/her baggage (Note 2), but only limited to such expenses incurred by the insured within 24 hours upon arriving at the destination.

Deadline for filing claims:

File your claims with the insurance company within 30 days from the date of the incident.

Loss of baggage expenses (based on actual expenses incurred)

Sum insured (unit: NTD)
Cashback Titanium Card/Cashback Signature Card/HSBC Premier Credit Card/Rewards Signature Card/Advance Credit Card/Platinum Card/HSBC Traveller’s Credit Cards
30,000 /60,000 (family total)

Sum insured (unit: NTD)
Cashback Titanium Card/Cashback Signature Card/HSBC Premier Credit Card/Rewards Signature Card/Advance Credit Card/Platinum Card/HSBC Traveller’s Credit Cards	30,000 /60,000 (family total)

Scope of coverage and definitions:

Due to the airline's improper handling, the insured's checked-in baggage is lost, or is not delivered 24 hours or more after arriving at the destination airport (original departing location or the insured's place of residence are excluded).

Compensation items:

Actual expenses incurred by the insured in buying daily necessities for emergency use prior to retrieving his/her baggage (Note 2), but only limited to such expenses incurred by the insured within 120 hours upon arriving at the destination.

If the insurance company has already made a pay-out to the insured based on provisions under the afore-mentioned baggage delays, losses and damage expenses, the insurance company's liability under this coverage plan will be the difference between the total pay-out under this package and the amount already paid out under the coverage for baggage delays, losses and damage expenses.

Other important notes:

Items purchased after the insured is being updated, and the baggage is delivered to the designated location are not covered.
Items purchased before the insured realises about the lost or delayed baggage are not covered. For example, this includes items purchased at Duty Free shops at the airport prior to going through immigration checks.
Retain the baggage receipt or ask the airline or delivery company to provide proof of the date and time of delivery.

Deadline for filing claims:

File your claims with the insurance company within 30 days from the date of the incident.

Hijacking insurance

Sum insured for (NTD)
HSBC Premier Credit Card/Rewards Signature Card
5,000

Sum insured for (NTD)
HSBC Premier Credit Card/Rewards Signature Card	5,000

Scope of coverage and definitions:

During the insured period, if the plane on which the cardholder is travelling is seized by an individual or organisation not controlled or commanded by a legitimate government or judiciary through the use of force, coercion or other illegal means, hindering the plane's normal operations or limiting the passengers' freedom of action.

Compensation items:

Compensation will be paid out based on a daily lump sum during the hijacking period, calculated based on the number of days multiplied by the daily hijacking compensation amount, up to a maximum of 30 days; if the hijacking period is less than 1 day, it will be counted as 1 day.

Deadline for filing claims:

File your claims with the insurance company within 30 days from the date of the incident.

Related information

Travel insurance

Submit the completed claims application together with the following documents to the insurance company:

Copy of the credit card voucher (the credit card linked with the insurance plan) related to the cardholder's ticket purchase, showing the authorisation code, and a copy of the agency receipt.
Ticket stubs of the transportation vehicle and copies of the reservation documents.
Copy of the statement of travel records.
If you're filing a death benefit claim, please include the original autopsy report or the original death certificate, and the cancelled household registration transcript of the insured.
If you're filing a claim for disability insurance, include the original disability diagnostic report. The insurance company will need to conduct a physical examination of the insured, and with the consent of the beneficiary, go through the insured's medical records if necessary. The related expenses will be borne by the insurance company.
If you're filing a claim for medical insurance, include the original diagnostic report or hospitalisation record, original medical expenses record or medical reports. In the event of overseas consultations, include the National Health Insurance Administration's expenses reimbursement form.
If necessary, the insurance company may request supporting documents for the incident resulting in the accidental injury (such as documental proof of the accident from the tour guide).
The beneficiary's identification documents
If you're filing a death benefit or disability claim for the cardholder, his/her spouse or children, please include copies of relevant identification documents.

Travel inconvenience insurance

Submit the completed claims application together with the following documents to the insurance company:

※ Required documents for all items

Copy of the credit card statement showing the purchase of the plane ticket or the tour package.
Copy of the travel agency receipt.
Original ticket or electronic ticket of the original flight and the original boarding pass for the switched flight.
Copy of the cover of the applicant's (insured's) bank book (if the wire transfer option is chosen).
Copies of both sides of the applicant's identification documents, and a copy of the household certificate when a claim is filed for expenses related to the cardholder's children.

※ Required documents for individual items

I. Filing a claim for flight delay expenses:

Original receipts and vouchers for the expenses incurred by the insured due to flight delays.
Original certificate issued by the airline proving the flight delay/missed flight/denied boarding situation.
Please include the luggage tag if daily necessities have been purchased due to checked-in baggage and the need for accommodation.
If you're filing a claim for the expenses incurred due to a missed flight, provide details on the timing of the original connecting flight, the destination of the connecting flight, and the number of delayed hours.

II. Filing a claim for baggage delays, losses or damage expenses:

Original receipts and vouchers for the expenses incurred by the insured due to baggage delays, losses or damage.
Original certificate issued by the airline or airport proving the baggage delay, loss or damage.
Original certificate showing the timing of the retrieval of the delayed baggage and the original luggage tag.

III. Filing a claim for hijacking insurance:

Original certificate proving the hijacking incident.

Claim application method (Chinese only)

國泰世紀產物保險股份有限公司

申請方式：請以掛號方式郵寄至下列地址
申請書郵寄地址：40341台中市西區民權路239號8樓B2室 (國泰產險信用卡理賠中心收)
聯絡電話： 0800-212-880 請撥打此專線由國泰產險客服人員為您說明
台灣免付費服務電話：0800-212-880（限市話撥打）

This product is underwritten by Cathay Century Insurance. For the content of the insurance coverage and other matters not mentioned herein, refer to the terms and conditions described in the insurance contract signed between HSBC (Taiwan) and the insurance company for details.

In the event of any discrepancy or inconsistency between the English version and the Chinese version of these terms and conditions, the Chinese version shall apply and prevail.

Cathay Century Insurance

Toll-free service number: 0800-036-599

Important notes

In line with amendments in the Insurance Act, effective 15 June 2018, Cathay Century Insurance has made adjustments to a number of terms, including "handicap" and "disability". Details are as follows:

I. In accordance with Hua Zong Yiyi Zi document no. 10700062351, additional Article 107-1, and amendments in Articles 107, 125, 128, 131, 133, 135 and 138-2.

II. In accordance with the previous presidential order, to be in line with the spirit of the 'Convention on the Rights of Persons with Disabilities' (CRPD), Cathay Century Insurance will make adjustments to the terms used in the insurance contracts. However, such adjustments will not affect the actual content of the product or the interests of the insured.

III. For insurance contracts (attachments), effective 15 June 2018 (inclusive), if the names of the insurance products, the terms and conditions in the insurance policies, the attached proposals, supplementary terms and conditions, endorsements, and other agreements contain original terms listed in the table below, 'Endorsements Regarding Changes in Wordings in Cathay Century Insurance Policies', and 'Endorsements Regarding Changes in Wordings in Cathay Century Insurance Policies (applicable to property insurance products)' will apply. Such endorsements will form part of the insurance contract (attachment), and if any part of the insurance contract (attachment) is in conflict with such endorsements, such part will not be valid. Terms used in insurance contracts (attachments) related to the afore-mentioned endorsements are adjusted as follows:

Details as below
Original wording	New wording
Handicap	Disability
Death and handicap	Death and disability
Totally handicapped	Totally disabled
Post stroke disability	Post stroke disorder
Disability	Functional disability
Deformity	Impairment
Handicap support	Disability support
Disability	Disease and disability
Disablement	Injury and disability
Disability	Incapacity
A person suffering from mental disorder or other intellectual defects making him/her incapable of discerning his/her own act or lacking the ability to discern his/her own act.	A person under an order of guardianship that has not yet been revoked

Details as below
Original wording	Handicap
New wording	Disability

Original wording	Death and handicap
New wording	Death and disability

Original wording	Totally handicapped
New wording	Totally disabled

Original wording	Post stroke disability
New wording	Post stroke disorder

Original wording	Disability
New wording	Functional disability

Original wording	Deformity
New wording	Impairment

Original wording	Handicap support
New wording	Disability support

Original wording	Disability
New wording	Disease and disability

Original wording	Disablement
New wording	Injury and disability

Original wording	Disability
New wording	Incapacity

Original wording	A person suffering from mental disorder or other intellectual defects making him/her incapable of discerning his/her own act or lacking the ability to discern his/her own act.
New wording	A person under an order of guardianship that has not yet been revoked

If original terms used in the above table are used in sales materials and the company's official website, the new terms will also apply in these channels.

IV. Insurance contracts (attachments) effective prior to 15 June 2018 will be executed in accordance with the policy wordings in the insurance contracts. The interest of the insured will not be affected by the wording adjustments listed in the table above.

In accordance with the revision of Article 107 in the Insurance Act, effective 1 April 2010, changes in the rights and benefits related to the travel insurance protection offered by the bank are as follows (if there are changes in Article 107 of the Insurance Act, the latest provisions shall prevail):

Death benefit:

If the insured person is a minor aged below 15, the pay-out of the death benefit thereof will become effective on the day the insured turns 15. If the insured person is under an order of guardianship that has not been revoked, the death benefit thereof will be changed to funeral expenses insurance. The total amount of the afore-mentioned funeral expenses coverage purchased by the insured on or after 3 February 2010 cannot exceed 50% of the deduction for funeral expenses as stipulated under Article 17 of the Estate and Gift Tax Act.

Disability insurance:

If the insured person is a minor aged below 15, the maximum pay-out of the disability insurance is NTD2 million. If the insured person is under an order of guardianship that has not been revoked, the pay-out of the disability insurance cannot exceed 50% of the deduction for funeral expenses as stipulated under Article 17 of the Estate and Gift Tax Act.

I. Liability resulting from wars, warlike operations (whether war is declared or not), enemy invasions, acts of foreign enemies, rebellions, civil disorder, forcible seizure, or expropriation, except otherwise stipulated in the insurance contract.

II. Liability resulting from nuclear fission or radiation.

III. Liability resulting from an intentional act carried out by the insured.

IV. Liability resulting from items being seized, confiscated, quarantined or destroyed by fire by any government or customs office.

V. Promotional activities for which the company's prior written consent to underwrite the coverage thereon has not been obtained.

VI. Terrorist activities.

VII. Free air tickets.

Note 1: The beneficiary for death benefit is the statutory successor of the insured. Changes in the beneficiary are not accepted.

Note 2: "Daily necessities" mentioned above refer to underwear, pyjamas, and other necessary clothing, toiletries and sanitary supplies purchased during the flight delay period. Details are as follows:

Items that are required or may be required during the flight delay period or prior to the cardholder retrieving his/her baggage (for example, under and outer garments, under and outer pants, socks, and warm clothing required under general circumstances).
Items that are not required or may not be required (for example, large, thick jackets or snow garments purchased in the summer), or items for which the quantity purchased exceeds the potential requirement (for example, items purchased in advance in expectation of a delay in baggage delivery, or purchasing a dozen underwear for a day's delay in baggage delivery) are not covered.
Toiletries are limited to essential basic toiletry products (such as facial cleansers, shampoo, body wash, tooth paste, tooth brushes, lotion, and shavers). Serum, eye cream, face masks, makeup (makeup removers), styling products, electric shavers, electric tooth brushes, and medication are not covered.
Other items that are not generally required for daily use, such as hand luggage, suitcases, handbags, watches, decorative items, and books are not covered.

Please manage your finances carefully and value your credit. Interest on revolving credit and cash advance 5.68% to 15.00%. Service Charges for cash advance NT$100 + the amount of cash advance * 3.5%. Base date of interest on revolving credit: September 1 2015.

HSBC credit card travel insurance

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