As a Premier customer, your account includes worldwide travel cover, but understanding the exact terms helps you avoid unexpected costs while abroad. Many account holders need to review their documents before a trip to confirm who is covered and whether recent health changes require an update.
This guide walks you through checking your policy, updating medical details, and managing your insurance through your standard banking channels.
| Category | Details |
|---|---|
| Access Methods | HSBC UK Mobile Banking app, Online Banking, or Telephone Support |
| Processing Time | Documents viewable upon login; medical screenings take 10-15 minutes by phone |
| Eligibility | Main account holder, partner, and dependent children (age limits apply) |
| Key Requirements | You must declare pre-existing medical conditions to the underwriter |
Pro-Tip from Olesya Krasavtseva, Content Editor at Prostobank Consulting: Save the emergency medical assistance number and your HSBC Premier sort code and account number directly into your phone’s contacts before you travel. If you face a medical emergency abroad, having these details available offline speeds up the hospital admission process and helps the underwriter approve your treatment faster.
Frequently Asked Questions
Does the Premier travel insurance cover my family members?
When you hold a Premier account, the policy generally extends to your partner and dependent children, provided they live at your primary address. The cover applies whether they are travelling with you or independently. However, age restrictions apply—cover for the main account holder typically ends at age 70 unless you purchase an extension, and children are only covered up to a certain age depending on their full-time education status. Review your specific policy wording online to confirm exact age limits before booking a trip.
What happens if I develop a new medical condition after opening the account?
Your standard policy covers you for general travel risks, but it excludes undeclared pre-existing medical conditions. If your health changes, the underwriter relies on you to complete a medical screening to adjust your cover. Failure to declare a new condition means any claims related to that illness will likely be rejected. Call the medical screening number found in your app to declare the condition; they will tell you if it requires an additional premium or if it can be covered under standard terms.
How do I claim if my trip is cancelled?
Trip cancellations are assessed based on the specific reason for the disruption, such as unexpected illness or official travel advisories. The claims team will require documentation, like a doctor’s note or communication from your airline, to process the request. Keep in mind that claims are subject to an excess fee, and you cannot claim for reasons you were aware of before booking the trip. Start your claim by contacting the claims department through the telephone number listed in your HSBC banking app.
