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HSBC SmartTraveller travel insurance

A plan that prizes exploring the world in comfort.

Whether you’re traveling for vacation, studying abroad or visiting family overseas, HSBC SmartTraveller covers your travel needs. Its features range from automatic policy extensions to add-ons that secure each plan’s affordability.

Read on to find out more about HSBC SmartTraveller travel insurance, including the costs and benefits related to each plan.

What policies are available with HSBC SmartTraveller?

NameMedical-related cover Cancellation coverPersonal belongings cover
HSBC SmartTraveller Essential PlanUp to S$555,200

(not including emergency medical evaluations)

Up to S$6,000Up to S$509,950
HSBC SmartTraveller Comprehensive PlanUp to S$1,060,400Up to S$12,000Up to S$1,022,300

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HSBC SmartTraveller Essential Plan

HSBC’s Essential travel insurance plan mainly covers medical-related, travel inconvenience and adventure costs. Although it’s offered as a lower-tier plan, it covers many categories that competitors often charge a premium for, such as leisure amateur sports and pregnancy-related medical costs.

HSBC SmartTraveller Comprehensive Plan

HSBC’s Comprehensive Plan is a more extensive version of the Essential plan, providing a higher level of coverage for a higher cost.

What’s covered by HSBC SmartTraveller’s insurance policies?

Cover FeatureEssential PlanComprehensive Plan
Personal belongings benefits
  • Up to S$509,950
  • Up to S$1,022,300
Trip cancellation cover
  • Up to S$6,000
  • Up to S$12,000
Personal accident cover
(accidental death and disablement)
  • Up to S200,000
  • Up to S350,000
Overseas medical expense cover*
  • Up to S$304,350
  • Up to S$608,700
Emergency medical evacuation
  • Unlimited
  • Unlimited
Baggage delays
  • A limit of S$1,200
  • A limit of S$1,800
Travel delays
  • A limit of S$1,000
  • A limit of S$2,000
24/7 emergency travel support
  • Yes
  • Yes
Terrorism Cover
  • Yes
  • Yes

*Does not include hospital visit benefit, childcare benefit and hospitalisation allowance

What’s more, HSBC offers add-on features to help you customise your travel insurance plan to suit your specific needs. Available add-ons include sports-equipment related cover, pet care expenses, rental car excesses, and hijacking/kidnapping/home care benefits.

What won’t be covered by HSBC SmartTraveller?

  • Claims for terminal illness
  • Travel to a war zone
  • Mental health disorders
  • Undeclared pre-existing conditions
  • Items confiscated by customs officials
  • Travel related to seek medical treatment
  • Any form of false claim
  • Sports played in a professional or competitive capacity
  • Extreme sports including cliff-jumping, ultra-marathons and big wave surfing
  • Travel in, to or through Afghanistan, Cuba, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, North Korea, Sudan or Syria

Costs

PlanPrice for 1 week (ASEAN)Price for 1 week (worldwide)
HSBC SmartTraveller Essential PlanS$30.50S$40.50
HSBC SmartTraveller Comprehensive PlanS$40.50S$54.50

Pros and cons of HSBC SmartTraveller travel insurance

Benefits

  • Extensive coverage of medical and travel convenience
  • Add-on features option allows for greater customisability and affordability
  • 24-hour emergency hotline
  • Coverage of most leisure sports (adventure cover)
  • An unlimited amount offered on emergency medical evacuation and repatriation of mortal remains to Singapore
  • In light of COVID-19 concerns, HSBC’s plan has offered multiple quarantine-related benefits to assuage your travel concerns
  • On-going promotions: from 1st to 31st March 2020, you can enjoy a 30% discount on any Single Trip travel insurance plan, or up to 50% discount on a Comprehensive Annual Multi-trip insurance plan (terms and conditions apply)

Drawbacks

  • Individuals who want an all-encompassing, quick-buy plan might find the customisability a hassle

How to sign up for HSBC SmartTraveller travel insurance

Go to HSBC SmartTraveller’s website and select the “buy travel insurance” icon at the left of the page. Follow their step-by-step instructions for a quick and easy online signup!

How to make a claim with HSBC

Submit your claims either by visiting the “file a claim” section of AXA’s website, or via the MyAXA Singapore App. When submitting a claim, be sure to provide all necessary supporting documents and receipts.

Frequently asked questions

How soon should I file my claims?
If you are claiming for loss or damage, you must show you made a report within 24 hours of the event happening in order for those claims to be processed.

What happens if I am placed under quarantine while overseas?
HSBC SmartTraveller will automatically extend your policy for up to 30 days if you are hospitalised (or placed under compulsory quarantine) while overseas upon the written advice of a Doctor. Should the situation arise, contact HSBC’s customer service hotline for step-by-step advice.

What happens if I travel to countries against the advice of Singapore’s Ministry of Health?
Should you travel to countries mentioned in Singapore’s travel advisories, you will not receive any insurance coverage. If the advisory is issued after you purchase a plan, contact customer service for further assistance.

Bottom Line

HSBC’s SmartTraveller plans offer one of the highest personal accident coverages on the market and competitive levels of coverage for medical and trip inconvenience events — all at affordable prices. Its features add-on system makes it a competitive option that could be worth your consideration.

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