HSBC Life | Travel Insurance Checklist 2022

October 2022

4 min

It’s been three long years, and finally the time has come for us to dust off our passports and start packing our bags again. The threat of COVID-19 is still with us, however. So how should we choose our travel insurance to ensure we are well covered?

Protection against COVID-19

Pay particular attention to whether a travel insurance policy offers COVID-19 coverage. Possible scenarios include:

There are plans on the market that cover all the above scenarios, protecting you all the way from before your departure, to after your return home. You should choose a plan based on your specific needs.

Yet, travel insurance isn’t only about COVID-19 protections. Check to see if the scope of coverage includes the following too:

Enjoy global medical coverage with a VHIS plan

Once the borders completely reopen, you’d probably transit back into frequent traveller mode, whether for business or pleasure. You may even have plans for moving or studying abroad. If you will be staying overseas for extended periods of time, a medical protection plan that covers overseas medical expenses is a must-have in addition to travel insurance. Choosing a Voluntary Health Insurance Scheme (VHIS) that can cater to your needs is crucial. Some of the plans would protect you against medical expenses in the Greater China area, Asia or even other parts of the world. On top of the global medical coverage, there are other reasons for getting a VHIS policy:

The past three years have been a stark reminder that the future can be unpredictable. Only by preparing adequate protection for ourselves and our families can we make sure that no sudden illness or mishap would disrupt our plans.

Limited time offers

Apply for annual MultiTrip TravelSurance to enjoy 30% off first year premium discount; or 15% off for Single Trip TravelSurance

Apply now

Offer ends 31 December 2024. T&Cs apply.

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Disclaimer:

The information contained in this article is for general reference only and is not intended to constitute a recommendation or advice to any person or to be the basis for any health or financial decision. No person should act on any information in the article without seeking professional advice. HSBC Life (International) Limited ("HSBC Life") assumes no responsibility for any potential health problems or losses that such information may give rise to. Then opinions expressed are the interviewee’s own and do not represent the views of HSBC Life or HSBC Group.

All information is provided for reference only. You should not make any decision based on this article alone. If you are in doubt about any content in this booklet, you should seek independent professional advice. HSBC Life does not undertake any obligation to make available to you any further information or update the contents of this video, and such contents are subject to change at any time without notice. All information is provided for general information purposes only and does not constitute any tax, insurance and/or other advice or recommendation. Under any and all circumstances, HSBC Life and/or HSBC Group shall not be liable for any damages, losses or liabilities, including but not limited to direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your or any third party’s use of this article or your reliance on or use of or inability to use the information contained in this article. Notwithstanding anything stated herein, HSBC Life shall have the absolute right (and discretion) to determine, amend and update its underwriting policy, procedures and requirements from time to time.

Underwriting requirement and decision will be based on actual health condition of each client that declared to us where further medical evidence maybe required. Conditions that are not included in this article will be considered individually at Underwriting’s own discretion.

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All the information in the article is updated as of September 2022.

Issued by HSBC Life (International) Limited (Incorporated in Bermuda with limited liability)

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