Card Protection Plus offers you insurance protection and assistance for lost or stolen cards and documents. This is exclusively offered to HSBC credit cardholders.

Which company issues the policy?

Card Protection Plus is provided by Card Protection Plan Limited ("CPP") and underwritten by HSBC Insurance (Singapore) Pte. Limited.

Why should I buy this policy?

When you realise that your wallet is missing, it's a race against time to have all your cards stopped immediately. This is to prevent any fraudulent transactions put on your cards that you are liable for. With Card Protection Plus, all it takes is a call to CPP's customer service team and they will contact your card issuers to have all your cards cancelled within minutes to prevent any misuse. In addition, with overseas assistance services including advances of cash, hotel bill payment and travel tickets replacement, CPP will help you get home wherever you are in the world.

What are the benefits?

The Card Protection Plus offers a number of benefits to the policyholder: -

•	Fraud protection of up to S$5,000 before and S$500,000 after reporting loss of card.
•	Replacement of personal belongings
•	Replacement of lost/stolen cash and stored value cards
•	Replacement cost of lost cards, valuable documents and related communications costs
•	Emergency overseas assistance services including advances of : • Emergency cash • Hotel bill payment • Travel ticket replacement

For each category, the policyholder is entitled to a monetary cover with limits for each year of the plan held.

A welcome pack will be sent to you which includes a Policy Guide listing the benefits you are entitled to as well as a copy of the Policy terms and conditions.

How can I purchase a policy?

i.	You can purchase a policy with CPP by calling HSBC on 6499 4866.
ii.	Alternatively, you can download and complete the application form and fax it to us at 6733 0477 or mail it back to us with the business reply envelope attached.
iii.	You can also purchase a policy when you apply for your HSBC credit card.

What are the plans available and the pricing of the policies?

CPP has two types of policies for you to choose from:

The Household policy allows you and your family members to enjoy the same card protection benefits.

How can I pay for my policy?

We accept payment by HSBC Visa or MasterCard credit cards. The premium is deducted at the beginning of the policy.

Can I pay the premium using other modes of payment or other bank’s credit cards?

Unfortunately, we can only accept payment by your HSBC credit cards at this time.

Will my policy be affected if I cancel my HSBC credit card?

Your policy will not be affected as long as the premium has been paid. However, without your HSBC credit card, you will not enjoy the additional fraud protection of S$5,000 before report of loss for HSBC credit cards issued in Singapore.

When your policy is due for renewal, CPP will collect payment from any alternative card registered with them.

10.

What is the length of my policy?

Your policy runs continuously for one year from the start date and is automatically renewed.

11.

How do I renew my policy?

Four weeks prior to the end of your policy, CPP will send you a renewal letter advising that your policy is due for renewal. Your policy is then automatically renewed and CPP will take payment from the same HSBC credit card unless otherwise advised by you.

12.

How do I cancel my policy?

To cancel your policy, you will need to contact the CPP customer service hotline on +65 6415 5168, available 24 hours a day, seven days a week. The customer service hotline number can also be found in your welcome pack.

13.

Can I cancel my policy anytime?

When you first purchase Card Protection Plus, you will have 21 days to decide if the policy is suitable for your needs. If you decide to cancel your policy within this period and you have not used the service, you will receive a full refund. If you decide to cancel your policy after this period, there will be no refund of premiums.

14.

Why do I need to register my cards?

Your full coverage starts as soon as we have confirmed payment. Therefore, we recommend that you register your card details with CPP as soon as possible. By doing so, CPP will be able to provide the services immediately.

15.

How do I register my cards?

You can register your card details by:

i.	Completing the registration form as enclosed with your welcome pack and returning it to CPP in the pre-paid envelope.
ii.	Calling CPP on +65 6415 5168 and CPP’s agents will help you with the registration.

16.

If I am abroad and I find that my wallet, travel tickets and passport have been stolen, what should I do?

When you discover the items are missing, immediately call CPP’s lost and stolen card hotline on +65 6415 5158. CPP’s specially trained agents will be able to guide you through the whole process.

i.	CPP will contact your card issuers immediately to cancel your cards.
ii.	CPP will then advise you on how and where to receive a replacement passport.
iii.	Finally, CPP will assist in the re-issuing of travel tickets so that you may return home.

17.

How can I pay for my hotel expenses?

You should inform CPP that you would like assistance with the hotel payment. CPP will then liaise with the hotel and advance the expenses to pay the hotel directly.

18.

How to make a claim?

Should you ever need to make a claim, please call CPP on +65 6415 5168 and CPP will send you a claim form. The form needs to be completed with as much detail as possible and then returned to CPP with original documents for processing.

19.

Is there any time period limitation for submitting a claim?

All claims must be received within 60 days from the date of card loss. Please remember to include all the documents that CPP ask for, including original receipts (not photocopies) for any expenses claimed for. If you do not, CPP will not be able to process your claim until they have received them.

20.

Who can I contact if I have any questions relating to my policy?

You can call CPP customer service hotline on +65 6415 5168, 24 hours a day, seven days a week.

21.

Do I have to pay an administrative/enrollment fee?

No, there will not be any administrative/enrollment fee.

22.

How long does it take to process my application?

It takes 2 working days.

23.

Will the bank send me a letter on the status of the application? What is inside the welcome pack?

No, we will only send you a notification letter if your application cannot be processed.

When your application is successfully processed, you will see the policy premium charge in your selected HSBC credit card account and CPP will issue you a welcome pack containing the following materials: -

•	A Welcome Letter outlining your policy details.
•	A Policy Guide listing all your entitled benefits.
•	The Policy terms and conditions of Card Protection Plus.
•	Key Tag and stickers with CPP Hotline No. to help serve as reminders of CPP contact numbers.
•	Card Registration Form to register your card details.

24.

When will I receive my welcome pack?

Normally, you should receive the welcome pack from CPP within one week from confirmation of the policy effective date.

25.

When will the policy take effect?

Policy effective date will be the date on which customers return the signed Card Protection Plus application form to HSBC.

Between the policy effective date and the day your premium is charged, you can already enjoy the assistance services under Card Protection Plus. Should you require CPP's services before your policy arrives, please call CPP on +65 6415 5168.