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Flight Inconvenience Insurance

Insured Persons

1. Cardholder who has fully charged to a HSBC Premier, Platinum and/or HSBC's Revolution card the fare of his Scheduled Flight and/or deposit of his trip;
2. Family Member of the Cardholder whose Scheduled Flight fare and/or Deposit of his overseas trip has/have been fully charged to the Cardholder's HSBC Premier, Platinum and/or HSBC's Revolution card.

Family Members

1) Legal Spouse
2) Parents and/or Parents-in-law
3) Siblings
4) Legitimate child who is between one (1) and twenty-five (25) years of age, not married, not employed, and is residing in the same household and in the same country of residence as the Cardholder.

Table of Benefits
Expenses necessarily and reasonably incurred per cardholder account as a result of:

Coverage	Limits (any one Trip)
	Trip Involving One Insured Person	Trip Involving Insured Person and Family Members
Section 1: Trip Cancellation	S$4,000	S$10,000
Section 2: Flight Delay	S$1,000	S$1,000
Section 3: Missed Flight Connection	S$400	S$800
Section 4: Luggage Delay	S$400	S$800
Section 5: Loss of Luggage	S$1,000	S$2,000
Section 6: Funeral Expenses or Reptriation of Mortal Remains	S$4,000	S$8,000

Section 1: Trip Cancellation
If the Insured Person's Scheduled Trip is cancelled within thirty (30) days from the date of commencement of the Trip due to any of the following events before the scheduled date of departure, We will pay the fare of the Scheduled flight and/or Deposit the Insured Person has actually fully paid with a HSBC Card subject to a maximum amount shown in the Table of Benefits corresponding to "Trip Cancellation".
- Insured Person dies or becomes seriously injured or ill;
- Insured Person's Family Member who is travelling in the same Trip as the Insured Person dies or becomes seriously injured or ill.

We do not pay anything under this Section if:
- The Insured Person is aware or ought to have known that at the time of the booking of the Trip any event that renders the cancellation of the Insured Person's Trip highly possible (such as Family Member receiving in-patient treatment in hospital or having received a terminal prognosis at the time of booking of the Trip);
- The Insured Person fails to notify the travel operator or provider of the transport or accomodation immediately when it is found neccessary for the Insured Person to cancel the trip;
- Death and/or illness is/are related to any pre-existing illness, disease or medical condition of the Insured Person or the Insured Person's Family Member.

Section 2: Flight Delay
If the departure of the Carrier from a place of embarkation outside Singapore in which the Insured Person is booked to travel is delayed for at least eight (8) hours from the scheduled time of departure stated in the Insured Person's itinerary due to strike, industrial action, adverse weather conditions or mechanical breakdown of the Carrier, We will pay the Insured Person one hundred dollars (S$100) per Insured Person subject to the limit shown in the Table of Benefits corresponding to "Flight Delay". However, We will not pay anything under this Section:
- If the Insured Person fails to check in with the Carrier operator (or its handling agents) according to the itinerary supplied to the Insured Person or if the Insured Person fails to obtain written confirmation from the Travel Operator (or its handling agents) of the actual number of hours of delay and the reason for such delay;
- if the delay is caused by strike or industrial action which already existed on the date of the booking the flight;
- for delay on the Insured Person's outbound travel from Singapore.

Section 3: Missed Flight Connection
If due to delay of the Carrier in which the Insured Person is booked to travel to the overseas connecting point, the Insured Person fails to arrive at the overseas connecting point in time to board a connecting flight, We will pay the additional and neccessary costs the Insured Person actually incurred be for the next available connecting flight for:
- Hotel accomodation; and/or
- Meals or refreshments
at the overseas connecting point up to the maximum amount shown in the Table of Benefits corresponding to "Missed Flight Connection".

Payment under this Section is conditional upon the Insured Person:
- Receiving a confirmed reservation on the connecting flight;
- allowing sufficient time for and doing everything possible to get to the overseas connecting point for the time specified on the Insured Person's ticket or itinerary.

We will not pay anything under this Section, if:
- the full fare of the Scheduled Flight has not been charged to an HSBC Card;
- an alternative onward flight is made available to the Insured Person within four (4) hours from the actual arrival time of the Insured Person's incoming flight to the connecting point;
- if the Insured Person fails to obtain written confirmation from the Carrier operators (or its handling agents) confirming the delay and missed connection.

Section 4: Luggage Delay
If the Insured Person's check-in luggage with the Carrier is not delivered to the Insured Person within six (6) hours, but before forty-eight (48) hours of the Insured Person's arrival at the scheduled overseas destination, We will reimburse the Insured Person for reasonable expenses incurred at the scheduled overseas destination for within 48 hours at such scheduled destination for replacement of essential items.

However, we will not pay for the following:
- Purchases made within the first six (6) hours of the Insured Person's arrival at the scheduled overseas destination;
- Purchases made after the delivery of the Insured Person's luggage or after forty-eight(48) hours of the Insured Person's arrival at the scheduled overseas destination whichever is earlier;
The maximum amount We will pay under this Section will not exceed the Limits shown in the Table of Benefits corresponding to "Luggage Delay".

For the avoidance of doubt, this Section does not cover delay in the delivery of the Insured Person's luggage at the home destination. We will also not pay anything under this Section if:
- the full fare of the Scheduled Flight has not been charged to an HSBC card;
- the Insured Person fails to keep and produce the original receipt of purchase of the replacement items; and/or
- If the Insured Person fails to obtain written confirmation from the carrier operators (or its handling agents) confirming the delay and the number of hours the Insured Person's check-in luggage has been delayed.

Section 5: Loss of Luggage
If the Insured Person's check-in luggage with the Carrier is not delivered to the Insured Person within forty-eight (48) hours of the Insured Person's arrival at the scheduled overseas destination, the Insured Person's luggage is deemed permanently lost and We will reimburse the Insured Person for reasonable expenses incurred at the scheduled overseas destination for replacement of essential items within the forty-eight (48) hour period of the Insured Person's arrival at the destination. The maximum amount We will pay under this Section will not exceed the Limits shown in the Table of Benefits corresponding to "Loss of Luggage".

For the avoidance of doubt, this Section does not cover delay in the delivery of the Insured Person's luggage at the home destination. We will also not pay anything under this Section if:
- The full fare of the Scheduled Flight has not been charged to an HSBC card;
- The Insured Person fails to keep and produce the original receipt of purchase of the replacement items; and/or
- The Insured Person fails to obtain written confirmation from the Carrier operators (or its handling agents) confirming the delay and the number of hours the Insured Person is without his check-in luggage.

Section 6: Funeral Expenses or Repatriation of Mortal Remains
If the Insured Person dies during the Trip We will pay for:
- the overseas funeral expenses or costs of cremation neccesarily and reasonably incurred at the place of death; or
- the cost of returning the Insured Person's remains to Singapore or the country of origin of the Insured Person.

However we will not pay anything under this Section if:
- the Insured Person has undertaken the Trip against any medical advice of a Medical Practitioner;
- the Insured Person has undertaken the Trip for the purpose of obtaining or seeking any medical or surgical treatment;
- the Insured Person's legal personal representative fails to keep and produce the original receipt of the expenses incurred.

Conditions of Coverage

The insurance coverage for the Insured Person shall operate only when he is taking a trip during the period of insurance on a scheduled flight as a fare-paying passenger and when the entire air fare for travel on such scheduled flight has been fully charged in advance to a card account maintained by the cardholder with the Insured.

Exclusions

This Policy does not cover and We do not pay for the Injury or expenses directly or indirectly resulting from:

1. suicide or any attempt thereat or deliberately inflicted by or on behalf of the Insured Person, regardless whether the Insured Person is sane, insane or under mental distress;
2. any criminal or illegal act committed by the Insured Person or their designated beneficiary, legal heirs or legal personal representative;
3. the Insured Person's participation (including any act of provocation) in strike, riot, civil commotion, hijack, murder of assault;
4. detention or confiscation by customs or other authorities;
5. war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or undeclared), civil war, rebellion, revolution, insurrection or military or usurped power, terrorism or howsoever arising or any act thereof;
6. any act of nuclear, chemical or biological terrorism, regardless of any other cause or event contributing concurrently or in any other sequence to the Injury.

This Policy also does not pay for:
- Loss or delay of luggage if such loss or delay is not reported to the Carrier immediately upon discovery and luggage irregularity report is obtained;
- loss or delay of luggage if the Insured Person fails to take all reasonable steps to recover them.

Claims Procedure

Written notice of claim must be given to the Insurer as soon as possible but not later than 30 days after the event giving rise to such claim or within 14 days after return to the country of residence, whichever is the later.

All evidence, proof, information, accounts, receipts, certificates, statements, reports and any other documents required by the Insurer shall be furnished at the expense of the claimant and shall be in such form and of such nature as the Insurer may prescribe.

Payment of Claim

Payment of any claim covered under this policy will be made to the cardholder, if living, otherwise to his legal personal representative, whose receipt shall be an effectual and final discharge to the Insurer.

Payment of any claim covered under this policy shall be made in Singapore currency or its equivalent in any other currency at the prevailing rate of exchange as at the time of effecting payment if so required by the cardholder or his legal personal representative.

If any claim under this policy shall be in any respect fraudulent or if any fraudulent means or devices shall be used by the policyholder, the Insured Person, the legal personal representative, any claimant or anyone acting for or on behalf of any of them to obtain any benefit under this Policy, the Insurer shall be under no liability in respect of such claim.

No claim shall be payable for any such loss or expenses reimbursed by or recoverable from the airline or any other source.

Insurer

HSBC Insurance (Singapore) Pte. Limited

Jurisdiction &
Governing Law

Singapore

Note:
Insurance covers are underwritten by HSBC Insurance (Singapore) Pte Limted. Above are the highlights of the insurance coverage. This brief is issued for cardholder's information only and is not a contract of insurance. It is subject to the terms and conditions of the respective Master Policy, a copy of which is available for sight on reasonable request at HSBC, Singapore. Any endorsement or amendments to the insurance cover as agreed between the Insurer and The Hongkong and Shanghai Banking Corporation Limited shall be binding without prior notice to the Insured Person.