HSBC personal cards complimentary insurance
The terms
- HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025
HSBC is closing its retail banking business in Australia. Its own closure FAQ says access to the complimentary travel insurances ends on 1 January 2028, and that an event before that date can still be claimed. The booklet is current; the cover has a published end date.
This cover comes with the card, from HSBC. There is nothing extra to buy.
Conditions
- Covers a return trip overseas once you have spent at least $500 of your prepaid travel costs, such as the return air or cruise ticket, with your HSBC Platinum, Platinum Qantas, Star Alliance or Premier World Mastercard before you leave Australia.
- A trip within Australia is covered if you spend at least $250 of its prepaid travel costs with one of those cards or a Low Rate card, or pay in full a return domestic flight costing less than $250.
- You have to live permanently in Australia, or hold a visa that lets you live here.
- One trip is covered for up to 4 months overseas, or 14 days within Australia.
- Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go.
overseas domestic cruise return-trips-only pay-part-fare australian-residents-only overseas-4-months domestic-14-days pre-existing-if-approved
What it pays
International Travel Insurance: the limit per section
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Assistance (including medical evacuation and repatriation) | $20 million |
| 1.2 | Overseas Emergency Medical | $20 million |
| 1.3 | Overseas Emergency Dental (spontaneous toothache) | Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 1.4 | Hospital Cash Allowance | $75 per person per day up to a maximum total limit of $2,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 1.5 | Accidental Death | $30,000 per cardholder $30,000 per spouse $5,000 per dependant Up to a maximum total limit of $80,000 |
| 1.6 | Funeral Expenses | Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 1.7 | Loss of Income | Your verified income per week, up to a maximum total limit of $8,500 each for a cardholder or spouse. No cover is available for dependants |
| 1.8 | Assault requiring Hospital Admission | $600 per person |
| 1.9 | Permanent Disability | $30,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 2.1 | Cancellation | Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except: |
| 2.1.1b] | Travel agents cancellation fees a sub-limit of the section above | Up to $500 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser |
| 3.1 | Additional Expenses | Up to a maximum total limit of $100,000 |
| 3.2 | Travel Delay Expenses | After 6 consecutive hours, up to $500 for meals and accommodation per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 3.3 | Alternative Transport Expenses | Up to a maximum total limit of $3,000. Spouse and/or dependant expenses are included in the limit available to the cardholder |
| 3.4 | Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission | Up to a maximum total limit of $7,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 4.1 | Luggage | Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits: |
| 4.1.1a] | Stolen, accidentally damaged or permanently lost covered items a sub-limit of the section above | Up to $6,000 per item for computers, cameras and video cameras Up to $6,000 per item for any other covered item, including mobile phones |
| 4.1.1b] | Covered items left in a vehicle during daylight hours a sub-limit of the section above | Up to a maximum total limit of $1,000 |
| 4.1.1c] | Valuables left in a vehicle or checked-in luggage a sub-limit of the section above | No cover available, except for the items described in the circumstances under 4.1.1c] which is limited to the maximum item limits in 4.1.1a] |
| 4.2 | Travel Documents, Transaction Cards & Travellers Cheques | in the sub-limits below |
| 4.2.1a] | Reissue or replacement cost a sub-limit of the section above | Up to a maximum total limit of $600 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 4.2.1b] | Fraudulent use a sub-limit of the section above | Up to a maximum total limit of $600 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
| 4.3 | Luggage Delay | Up to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with a spouse and/ or dependants |
| 5.1 | Rental Vehicle Excess | Up to a maximum total limit of $3,000 |
| 6.1 | Personal Liability | Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse |
International Travel Insurance: the excess per section
| Section | Benefit as printed | Excess |
|---|---|---|
| 1.1 | Overseas Emergency Assistance (including medical evacuation and repatriation) | Nil |
| 1.2 | Overseas Emergency Medical | $400 |
| 1.3 | Overseas Emergency Dental (spontaneous toothache) | $400 |
| 1.4 | Hospital Cash Allowance | Nil |
| 1.5 | Accidental Death | Nil |
| 1.6 | Funeral Expenses | Nil |
| 1.7 | Loss of Income | Nil |
| 1.8 | Assault requiring Hospital Admission | Nil |
| 1.9 | Permanent Disability | Nil |
| 2.1 | Cancellation | $400 |
| 3.1 | Additional Expenses | $400 |
| 3.2 | Travel Delay Expenses | Nil |
| 3.3 | Alternative Transport Expenses | $400 |
| 3.4 | Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission | $400 |
| 4.1 | Luggage | $400 |
| 4.2 | Travel Documents, Transaction Cards & Travellers Cheques | Nil |
| 4.3 | Luggage Delay | Nil |
| 5.1 | Rental Vehicle Excess | Nil |
| 6.1 | Personal Liability | Nil |
Domestic Travel Insurance: the limit per section
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Cancellation | Up to a maximum total limit of $3,000 for all claims combined |
| 2.1 | Flight Delay Expenses | 4 hours or more, $125 per person up to a maximum total limit of $500 for all claims combined |
| 3.1 | Luggage | Up to $500 for each covered item, up to a maximum total limit of $1,250 |
| 3.2 | Luggage Delay | 12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined |
Domestic Travel Insurance: the excess per section
| Section | Benefit as printed | Excess |
|---|---|---|
| 1.1 | Cancellation | $200 |
| 2.1 | Flight Delay Expenses | Nil |
| 3.1 | Luggage | $200 |
| 3.2 | Luggage Delay | Nil |
Who stands behind it
| Insurer | Allianz Australia Insurance Limited
ABN 15 000 122 850 AFSL 234708 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Allianz Australia Insurance Limited |
| Claims handled by | AWP Australia Pty Ltd |
| Policy owned by | HSBC |
| What the cardholder holds |
the bank’s policy, claimable by the cardholder
The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right. |
| Document effective | 26 March 2025 |
Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000
What else this document covers
- International Travel Insurance
- Domestic Travel Insurance
- Rental Vehicle Excess Insurance in Australia
- Purchase Protection Insurance
- Extended Warranty Insurance
- Overseas Transit Accident Insurance
Data
hsbc-cards.json: this page as data.- Every card programme · every retail plan and what it covers
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.