HSBC Platinum

Qantas Credit Card

Insurance terms and conditions
for purchases where payment is finalised
on or after 4 August 2014

Important Information about all the

covers in this booklet Index
Introduction2
Who is eligible for these covers?

Termination of these covers

Other Insurance

Sanctions

Privacy4
Enquiries6
General Insurance Code of Practice

Complaints7
Excess - what you contribute to a claim

Safety of your belongings

Reporting lost, stolen or

wilfully damaged items 

Repairing or replacing your property 

10

Insurance exclusions what is not covered in this booklet

12

Definitions and Interpretation of words

used in this booklet

18

Claims procedures

26

Subrogation and you must assist

Zurich with your claim

29

Fraudulent claims

29

International Travel Insurance

30

Purchase Protection Insurance

57

Extended Warranty Insurance

58

Guaranteed Pricing Scheme

59

Transit Accident Insurance

60

Helful FAQs and claims forms can be found on

the Zurich website - www.zurich.com.au Click
on the Credit and Debit insurances icon and
follow the links.
In the event of an emergency overseas, simply
call Zurich Assist in Australia at any time on
+61 2 9995 2021. Reverse charge calls to this
number can be made from many countries via
Australia Direct, Telstras international reverse
charge service.
You do not have to tell us or HSBC Bank
that you will be travelling. So long as you
comply with the terms and conditions of the
insurances, you are automatically covered.

Important Information about all the

covers in this booklet
Introduction
This booklet describes your HSBC Platinum
Qantas Credit Card complimentary benefits,
which are effective for purchases where
payment is finalised on or after 4 August
2014 and only available to HSBC Platinum
cardholders.
These benefits are provided to eligible
cardholders under the agreement entered
into between HSBC Bank Australia Limited
ABN 48 006 434 162 AFSL 232595 Level 32,
HSBC Centre, 580 George Street, Sydney
NSW Australia 2000 (HSBC Bank) and Zurich
Australian Insurance Limited, ABN 13 000
296 640 AFSL 232507 of 5 Blue Street, North
Sydney, NSW, 2060 (Zurich). In this booklet
Zurich may also be expressed as we, us or
our.
There is no obligation to accept any of these
benefits. However, if a person wishes to claim
any of the benefits, they will be bound by the
definitions, terms and conditions, exclusions
and claims procedures etc., contained in this
booklet. Therefore please read this document
carefully and keep it in a safe place. Please
also keep detailed particulars and proof of any
loss including the sales receipt and credit card
account statement showing any purchases.
HSBC Bank is not the product issuer (insurer)
of these covers and neither it nor any of its
related corporations guarantee any of the
benefits under these covers. These benefits
are provided at no additional cost to the
cardholder and HSBC Bank does not receive
2

any commission or remuneration in relation

to these insurances. Neither HSBC Bank nor
any of its related corporations are Authorised
Representatives of Zurich or its related
companies.

Who is eligible for these covers?

HSBC cardholders are eligible for the following
benefits included in this booklet:
International Travel Insurance
Purchase Protection Insurance
Extended Warranty Insurance
Guaranteed Pricing Scheme
Transit Accident Insurance

Termination of these covers

HSBC Bank may terminate any one or all of
the covers in this booklet, and if so will notify
primary cardholders of the termination in
writing. Purchases made before expiry of
this notification will be eligible for the cover.
Purchases made after expiry of this notification
will not be eligible for the cover included in this
booklet.

Other Insurance
The insurance cover described in this booklet is
provided for your benefit under a Master Policy
entered into between Zurich and HSBC Bank.
HSBC Bank is the policy owner. As an eligible
cardholder, you have the benefit of insurance
cover as a third party beneficiary.
If you are entitled to receive a benefit or make

a claim under another insurance policy (Other

Policy) (for example, a comprehensive travel
insurance policy for your overseas journey), in
respect of the same loss as your claim under
this Master Policy, then Zurich is not liable to
provide indemnity under this Master Policy
until the amount of any indemnity under that
Other Policy is exhausted. In other words, any
insurance cover under this Master Policy in
respect of the same loss shall only be excess
insurance cover over and above the applicable
Other Policy.

Sanctions
Notwithstanding any other terms, we shall not
be deemed to provide coverage or will make
any payments or provide any service or benefit
to any person or other party to the extent
that such cover, payment, service, benefit
and/or any business or activity of the person
would violate any applicable trade or economic
sanctions law or regulation.

Privacy
Zurich is bound by the Privacy Act 1988 (Cth)
and we respect your privacy. Before providing
us with any personal information or sensitive
information, you should know the following
things:
We will not require personal information until
a claim is made or you make an application
to cover a pre-existing medical condition.
We collect, use, process and store personal
information and, in some cases, sensitive
information about you in order to comply with
our legal obligations, to assess your application
for a pre-existing medical condition, to
administer the products or services provided
4

to you, to enhance customer service and to

manage a claim. We will, in relevant cases,
disclose personal information to HSBC Bank,
our service providers and business partners in
order to allow monitoring of the claims service
provided, prevention of fraud and to ensure
eligibility for cover.
By providing us with your personal information,
you consent to our use of this information
which includes us disclosing your personal
information including sensitive information such
as health information, where relevant for the
purposes, to affiliates of the Zurich Insurance
Group Ltd, other insurers and reinsurers, our
service providers, our business partners or as
required by law within Australia or overseas.
These laws include the Australian Securities
and Investment Commissions Act 2001,
Corporations Act 2001, Insurance Contracts
Act 1984 and the Anti-Money Laundering
and Counter-terrorism Financing Act 2006 as
those acts are amended and any associated
regulations. From time to time other acts may
require, or authorise us to collect your personal
information.
If you do not agree to provide us with the
information, we may not be able to assess
your application for a pre-existing medical
condition, we may not be able to assess your
claim or your claim may be delayed.
Zurich may obtain information from government
offices and third parties to assess a claim in the
event of loss or damage.
In most cases, on request, we will give you
access to personal information held about you.
In some circumstances, we may charge a fee
for giving this access, which will vary but will
be based on the costs to locate the information
5

and the form of access required.

For further information about Zurichs Privacy
Policy, a list of service providers and business
partners that we may disclose your personal
information to, a list of countries in which
recipients of your information are likely to be
located, details of how you can access or
correct the Information we hold about you or
make a complaint, please refer to the Privacy
link on our homepage www.zurich.com.au,
contact us by telephone on 132 687 or email us
at Privacy.Officer@zurich.com.au

Enquiries
Additional copies of this booklet can be
obtained by phoning HSBC Bank on 132 152
(or +132 152 from overseas)
If you require Personal Advice on any of
the insurances, please see your insurance
adviser.
Helpful FAQs, claims forms and copies of
this document can be found at the Zurich
website www.zurich.com.au or if you
wish to make a general enquiry call Zurich
on 1800 648 093 8am - 5pm (Sydney time),
Monday to Friday and please make sure you
have this booklet on hand when you phone.
If you wish to apply for cover for your
pre-existing medical condition, please
phone Zurich Assist on 1800 648 093.

General Insurance Code of Practice

We support and adhere to the General
Insurance Code of Practice which was
developed by the Insurance Council of Australia
to further raise standards of practice and
service across the insurance industry.
6

You can obtain more information on the Code

and how it assists you by contacting us.

Complaints
If you have a complaint about an insurance
product issued by us or a service you have
received from us, including the settlement
of a claim, please call us on 132 687. We
will respond to your complaint within 15
working days provided we have all necessary
information and have completed any
investigation required. If more information
or investigation is required we will agree
reasonable alternative timeframes with you.
If you are unhappy with our response or
we cannot agree on reasonable alternative
timeframes, your complaint will be registered
as a dispute and it will be reviewed by our
internal dispute resolution process which is
free of charge. We will respond to your dispute
within 15 working days provided we have all
necessary information and have completed
any investigation required. If more information
or investigation is required we will agree
reasonable alternative timeframes with you.
We will keep you informed of the progress of
our review at least every 10 working days and
give you our response in writing.
If you are unhappy with our response or
we cannot agree with you on reasonable
alternative timeframes, you can refer the
matter to the external disputes resolution
scheme of which we are a member.
This scheme is administered by Financial
Ombudsman Services Limited (FOS). FOS
will review our decision in accordance with
their terms of reference. You are not bound
by their decision. However, we are bound to
7

act immediately on FOSs decision. This is a

free service provided by an independent body.
Brochures outlining the operations of FOS are
available from us or the Insurance Council of
Australia in your State or Territory. You can
phone the FOS from anywhere in Australia on
1300 780 808 (9am - 5pm AEST) or write to
them at:
Financial Ombudsman Services
GPO Box 3,
Melbourne, Victoria 3001
Facsimile: (03) 9613 6399
Website: www.fos.org.au
Email: info@fos.org.au

Excess what you contribute to

aclaim
Excesses may apply to certain sections of
cover. An Excess is not an additional fee
charged by us at the time of making a claim.
Rather, it is the uninsured first portion of a
loss for which you are otherwise covered, i.e.
the amount that you must contribute towards
eachclaim.
Details of the Excess amounts and
circumstances in which they will be applied are
set out below:
International Travel Insurance - You must pay
the first A$200 for each International Travel
Insurance claim made under Benefits 1 to
7 of Part C. However under benefit 2 Loss/damage to personal items there is no
excess payable for the replacement of your
travel documents, credit cards, and travellers
cheques and the emergency replacement of
your clothes and toiletries. Also if you make
more than one claim as the result of a single
event, the excess only applies once.
8

 Purchase Protection Insurance - You must

pay the first A$100 for each claim.
Extended Warranty Insurance - You must
pay the first A$200 for each claim.

Safety of your belongings

You must take all reasonable precautions
(considering the value of the items) to protect
your property/personal goods and you
are not covered if you do not take these
precautions.
Also property/personal goods are not covered
under any of the insurances if they are left:
unattended in a public place; or
unattended in a motor vehicle unless stored
out of view in the vehicles boot; or
unattended in an unlocked motor vehicle; or
unattended in a motor vehicle overnight; or
behind, forgotten or misplaced in a public
place; or
with a person who steals or deliberately
damages them.

Reporting lost, stolen or wilfully

damaged items
In the event that your property/personal
goods are stolen, wilfully damaged or
accidentally lost, a report must be made to the
Police or to the nearest government agency or
authority. You must do this within 24 hours of
learning of the theft, loss or damage and the
report must list and describe the missing or
damaged items/personal goods.
If the loss or wilful damage occurs overseas
a copy of this report must be obtained and the
9

authority must sign the copy and write on it that

it is a true and accurate copy of the original.

Repairing or replacing your property

In the event that an item is damaged, lost or
stolen we may choose to:
repair the item;
replace the item, less an amount which takes
into consideration its age as shown below; or
pay you the amount it would cost us to
replace the item less an amount which takes
into consideration its age as shown below.
However:
under no circumstances will we pay you
more than it originally cost you to buy the
item and where the item is part of a pair or
set, you will receive no more than the value
of the particular part or parts lost, stolen or
damaged, regardless of any special value that
the item may have by way of being part of
such pair or set; and
where we choose, we may require proof of
ownership/purchase from you. In instances
where you are not able to supply proof of
ownership/purchase or other evidence which
we deem satisfactory for the purpose of
proving ownership/ purchase, we may be
unable to properly assess or approve your
claim; and
personal goods/property left unattended
in a motor vehicle are only insured for A$150
per item to a maximum of A$1,000 per
event.
When taking into consideration the age of an
item we will deduct the following amounts
from our replacement or replacement cost:
10

 For toiletries (including skin care, make-up,

perfume and medications) we will deduct
3.00% for each month you have owned the
item to a maximum amount of 80%.
For phones, electrical devices,
communication devices, all computers,
photographic equipment, tablets and
electronics equipment we will deduct 1.75%
for each month you have owned the item up
to a maximum amount of 60%.
For clothing, footwear, luggage and books
we will deduct 1.75% for each month you
have owned the item to a maximum amount
of 80%.
For camping, sporting and leisure equipment
(but not leisure clothing) and musical
instruments we will deduct 1.00% for each
month you have owned the item up to a
maximum 60%.
For jewellery we will deduct 0.25% for
each month you have owned the item to a
maximum amount of 25%.
For all other items we will deduct 1.25% for
each month you have owned the item to a
maximum amount of 60%.
For example: If your stolen bracelet has been
owned for 8 years (96 months) and we can
replace it for A$1,000, your claim would be
for A$760, as we will deduct $240 (A$1,000
x 24% {i.e. 96 months x 0.25%/month}) from
our replacement cost. This assumes that the
stolen bracelet originally cost you at least
A$760. We would then deduct your excess
contribution from this amount.

11

Insurance exclusions what is not

covered in this booklet
In any insurance policy there are situations that
are not covered. Whilst we try to extend our
cover to most situations, we are not able to
insure some situations because of the costs or
types of events involved.
In addition to any specific or general exclusions
noted elsewhere in this booklet, the following
exclusions apply to all the covers in this booklet.
We do not insure you for any event that is
caused by or arises as a result of any preexisting medical condition of yours, a
relative, travel companion or any other
person that may give cause for you to claim
unless it relates to international travel insurance
and we have given prior written approval to
cover the pre-existing medical conditions
of the cardholder, the cardholders spouse
or cardholders dependent children and you
have paid the non-refundable administration
fee; or
We do not insure you for any travel that:
- you book or take against medical advice; or
- you take for the purpose of getting medical
treatment or advice; or
- you take after a qualified and registered
member of the medical profession informs
you that you are terminally ill; or
We will not pay for theft, loss or damage to:
- any item that you post or otherwise pay to
be transported, and that is not part of your
accompanying baggage; or
- jewellery, watches, cameras, laptops,
mobile phones, electrical items or cash in
12

baggage, unless hand-carried and under

either your personal supervision or that of
your travel companion; or
- any item that is brittle or fragile (except
photographic or video equipment) unless
the loss or damage is caused by thieves,
burglars, fire, or an accident involving the
mode of transport you are travelling; or
- sporting equipment while it is being used;
or
We do not cover:
- any item that you buy to resell in your
business; or
- business owned or business related items;
or
- commercial samples; or
- items you take to sell whilst overseas; or
- securities, stamps, documents, manuscripts
or books of account; or
-w
 orks of art, (including but not limited to
paintings or prints) and antiques; or
-p
 ersonal goods/property left unattended
in a motor vehicle for any more than A$150
per item or A$1,000 per event.
We do not insure you for any event that is
caused by or arises from:
- the death, illness or for any other reason of
persons living outside of Australia other
than as set out in this booklet relating
to the cardholder, their spouse and/or
dependent children; or
- a ny event that is intentionally caused by you
or by a person acting with your consent
(including suicide or attempted suicide); or
13

 - your conscious exposure to exceptional

danger unless in an attempt to preserve
your life or the life of another person; or
- you being under the influence of liquor or
drugs; or
- your involvement in illegal activities, fraud
or abuse; or
- your underwater activities that involve
using artificial breathing equipment (unless
you have an open water diving licence or
are diving with a qualified and registered
diving instructor); or
- your mountaineering (if you need to use
climbing equipment, ropes or guides),
rock climbing (if you need to use climbing
equipment, ropes or guides), white water
rafting, white water boating, abseiling,
bungy jumping, pot holing, running with
the bulls, caving tobogganing, water skiing,
jet skiing, off-piste snow-skiing, off-piste
snowboarding, snow mobiling or any other
similar activity; or
- your racing (other than foot); or
- your participation in any kind of professional
sport for which you obtain or are attempting
to obtain financial gain, sponsorship or
benefit from participating in or training for
that sport; or
- your air travel or any aerial activity (for
example, hang-gliding, base jumping and
skydiving). But if you are a paid passenger
in a fully licensed commercial passenger
aircraft, we do insure you; or
- a ny activities involving hunting equipment or
projectiles (e.g. shooting and archery); or
- a ny act of terrorism; or
14

 - any illness arising out of or in connection to

an epidemic or pandemic; or
- any war, whether it has been formally
declared or not, any hostilities, rebellion
or revolution or civil war, military coup
or overthrow/attempted overthrow of
government/military power; or
- any person or organisation, who lawfully
destroys or removes your ownership or
control of any property/personal goods; or
- a ny government prohibition or restrictions or
government customs; or - any government
authorities, delaying or detaining you or
seizing or keeping your baggage; or
- non-receipt of the property/personal goods
that you have purchased and is being
transported to you; or
- you or your travel companions
employment or work (whether paid or
unpaid or voluntary) either in Australia
or overseas. This includes not being
able to take leave from that employment,
unless your claim is covered under the
International Travel Insurance policy within
the Cancellation of travel arrangement and
unexpected expenses section; or
- you or your travel companions financial
circumstances or any business or other
contractual relationship; or
- changes in currency rates; or
- you or your travel companions not
wanting to continue with your travel
arrangements/journey, or canceling it
or cutting it short (unless your claim is
covered under the International Travel
Insurance policy within the Cancellation
15

of travel arrangement and unexpected

expenses section); or
- the inability of the tour operator, wholesaler,
transport provider, travel agent or any other
service provider to complete arrangements
(e.g. provide facilities, conference,
accommodation or transport arrangements
due to lack in numbers) or complete any
part of a tour; or
- deterioration, normal wear and tear; or
- any defective item or any defect in an item,
or damage arising from inherent defects in
an item or an electrical or mechanical fault
or breakdown, unless covered under the
Extended Warranty Insurance policy; or
- any process of servicing, repairing or
restoring an item unless we have given
prior approval; or - laundering (including
washing, ironing and dry cleaning) whether
by professional persons or otherwise; or
- vermin or insects, mildew, atmospheric or
climatic conditions, or flood; or
- your failure to comply with the
recommended security guidelines for the
use of bank or currency notes, cheques,
credit card, postal or money orders or petrol
coupons; or
- you not taking all reasonable precautions
(considering the value of the items) to
protect your property/personal goods or if
the property/ personal goods are left:
- unattended in a public place; or
-u
 nattended in an unlocked motor vehicle;
or
- unattended in a motor vehicle overnight; or
16

 - unattended in a motor vehicle unless

stored out of view in the vehicles boot; or
- behind, forgotten or misplaced in a public
place; or
- with a person who steals or deliberately
damages them; or
- disappearance of the property/personal
goods in circumstances which cannot be
explained to our satisfaction; or
- r adioactivity, radioactivity contamination or
the use, existence or escape of any nuclear
fuel, nuclear material or nuclear waste; or
- c onsequential loss or damage, punitive
damages or any fines or penalties, including
punitive, exemplary, liquidated or aggravated
damages; or
- your participation in motor cycling, unless
- it involves a hired motorcycle with an
engine capacity of 200cc or less; and
- you are the driver; and
- you hold a current Australian motorcycle
licence; and
- you are also licenced (if a licence is
required) to drive the motorcycle in the
country you are in; but
- we never cover any event that is caused
by or arises from motorcycle racing; or
- you failing to follow advice or take heed of a
warning from:
- any government; or
- any official body; or
- any publication or broadcast by any
member of the mass media.
17

Definitions and Interpretation of

words used in this booklet
The following key words (and their plurals)
have special meaning in the Policies and are
highlighted in bold.
accident means any sudden and
unexpected physical force, which occurs on a
trip and causes an injury that is described in the
Schedule of Benefits contained in the Transit
Accident policy.
act of terrorism means an act, including but
not limited to the use of force or violence and/
or the threat thereof, of any person or group(s)
of persons, whether acting alone or on behalf
of or in connection with any organisation(s) or
government(s), which from its nature or context
is done for, or in connection with, political,
religious, ideological or similar purposes or
reasons, including the intention to influence
any government and/or to put the public, or any
section of the public, in fear.
Australia means the area enclosed by
the territorial waters of the Commonwealth
of Australia where Medicare benefits are
payable and Australian has a corresponding
meaning.
Australian warranty means the
manufacturers expressed written warranty,
that is applicable and able to be fulfilled within
Australia and which has been properly
registered with the manufacturer.
bed care patient means that as a result of
accidental injury or illness during the journey,
you are confined to an overseas hospital bed
for a continuous period of not less than 24
hours. Your confinement must be certified as
necessary by a legally qualified and registered
18

medical practitioner and you must be under

the continuous care of a registered nurse (other
than yourself or a member of your family).
Bed care does not cover you as a patient in
any institution used primarily as a nursing or
convalescent home, a place of rest, a geriatric
ward, a mental institution, a rehabilitation or
external care facility or a place for the care or
treatment of alcoholism or drug addiction.
cardholder means a person who
permanently resides in Australia (including
holders of 410 and 457 visas) and whom HSBC
Bank has issued with an HSBC credit card.
In relation to the Purchase Protection Insurance
policy this definition is also extended to
include any Australian resident, and who, by
way of a gift from the cardholder, receives
any personal goods, purchased by the
cardholder.
dependent child/children means
all unmarried children up to and including the
age of 18, of whom the cardholder has sole
custody and who live with the cardholder;
all unmarried children up to and including
the age of 18 of whom the cardholder has
shared custody;
all unmarried children from the age of 19, to
and including the age of 21, who are full-time
students attending an accredited institution of
higher learning in Australia and of whom the
cardholder has/had sole or shared custody,
and who are dependent upon the cardholder
for their maintenance and financial support;
all unmarried persons who are physically or
mentally incapable of self-support of whom
the cardholder has custody and who live
with the cardholder.
19

epidemic/pandemic means anything

defined by the World Health Organisation to
be an epidemic/ pandemic or to have reached
epidemic and/or pandemic status (as stated
on either www.who.int or http://www.
smarttraveller.gov.au).
HSBC credit card means a current and valid
HSBC Platinum Credit Card or HSBC Platinum
Qantas Credit Card issued by HSBCBank. This
includes secondary/additional cards.
HSBC credit card account means a current
and valid HSBC credit card facility provided
by HSBC Bank to which purchases made by
cardholders on an HSBC Platinum Qantas
Credit Card are charged to the primary account
linked to an HSBC credit card when a purchase
is routed by Visa Scheme International.
injury means loss of life or bodily injury (but
not illness or sickness),
caused by an accident whilst the Transit
Accident Insurance policy is in force, and
resulting independently of any other causer.
Furthermore injury as used with reference
to hand or foot means severance through or
above the wrist or ankle joint and, as used with
reference to an eye means irrecoverable loss of
the entire sight thereof.
journey means:
After the purchase of your overseas return
travel tickets, the journey starts:
on the departure date shown on the
overseas return travel ticket, or
once you leave your home, if you travel
directly from your home in Australia to
the Australia air or sea terminal that is the
20

departure point for your trip.

The journey ends when the first of the
following occurs:
at midnight on the date when your
scheduled transport (refer to your overseas
return travel ticket) is due to arrive in
Australia; or
when you return to your home in Australia
provided you go directly to your home,
otherwise when you return to Australia; or
at midnight four (4) months after the date of
departure shown on your overseas return
travel tickets, or
when you cancel your overseas return
travel ticket.
natural disaster means any event or force
of nature that has catastrophic consequences,
such as avalanche, earthquake, flood, bush
fire, hurricane, tornado, cyclone, tsunami
and volcanic eruption, but not epidemics or
pandemics.
overseas means outside Australia.
period of cover
for the Cancellation of travel arrangements
you have made section in the International
Travel Insurance policy, means the period of
cover commencing when your overseas
return travel ticket was purchased and ending
at the end of the journey, and
for all other sections in that policy, period of
cover means the period of the journey.
personal good(s) includes all new personal
property acquired for domestic or household
use or consumption, but does not include:
21

 items acquired for the purpose of re-supply/

re-sale;
items acquired for transformation in a
business;
business related items;
items purchased in a business name;
animals or plant life;
computer software or non tangible items;
cash, bullion, negotiable instruments,
travellers cheques, or tickets of any
description;
consumable or perishable items (including
but not limited to food, drugs, fuel or oil);
boats, automobiles, motorboats, airplanes
or any other motorised vehicles and their
integral parts and installed accessories;
second-hand items, including antiques;
items of contraband;
real estate and movable fixtures or fittings
(including but not limited to dish washers
and fixed air conditioners) which are, or are
intended to form part of any home, unit or
other real estate;
items acquired for a purchase price
exceeding A$10,000;
items with an Australian warranty of more
than 5 years.
pre-existing medical condition is relevant
to the cardholder, any relative, travel
companion or any other person that may give
cause for you to claim and means:
any existing medical condition, including
but not limited to mental disorder, anxiety,
22

alcoholism, drug addiction or pregnancy and/

or any chronic or ongoing physical, medical or
dental condition, which you are aware of or
for which investigation, treatment or advice
has been received, or medication prescribed
or taken after you obtained (or just paid a
deposit for) your overseas return travel
ticket; and
any condition including but not limited to
mental disorder, anxiety, alcoholism, drug
addiction or pregnancy and/or any physical,
medical or dental condition, which you
become aware of or for which investigation,
treatment or advice received, or medication
prescribed or taken after you obtained
(or you had paid a deposit for) your
overseas return travel ticket, but prior to the
commencement of your journey; and
any complication arising from any such
condition outlined above, except that
unexpected/ unforseen events relating
to pregnancy are not regarded as a preexisting medical condition.
primary cardholder(s) means the person(s)
in whose name(s) the HSBC credit card
account is opened.
public place includes, but is not limited
to shops, planes, buses, trains, airports, bus
depots, streets, hotel foyer (and hallways and
grounds), restaurants, beaches, public toilets,
car parks, office areas, behind counters,
housing and hostel common areas, unlocked
hostel and hotel rooms and any place which is
accessible to the public.
reasonable means:
for medical and hospital expenses, the care
obtained should be at the standard level
23

given in the country you are in and not

exceed the level you would normallyreceive
in Australia.
for all other expenses, such as unexpected
travel and accommodation, the standard
must not exceed the average standard of
travel and accommodation you booked for
the rest of your journey.
relative means a permanent Australian
resident living in Australia, who is the
cardholders:
spouse
parent, parent-in-law, step-parent, guardian,
grandparent,
child, grandchild, stepchild,
brother, brother-in-law, sister, sister-in-law,
daughter, daughter-in-law, son, son-in-law,
fianc, fiance,
uncle, aunt,
half-brother, half-sister, or
niece, nephew.
rental vehicle means a sedan, hatchback,
station wagon, four-wheel drive (4WD) rented
or hired from a licensed motor vehicle rental/
hire company for the sole use of carrying
person on public roads and does not include
any other vehicle for any other use.
special event means a wedding, funeral,
pre-paid conference, pre-paid sporting event,
pre-paid concert/cultural event, pre-paid tour/
cruise or pre-paid accommodation which before
you left Australia, you had planned to attend
whilst you are overseas.
24

spouse means a married or defacto spouse/

partner of the cardholder who is permanently
living with the cardholder at the time the
journey starts. Zurich may ask for proof of this
relationship.
travel companion means a person whom,
before the journey began, arranged to
accompany you on your journey for at least
50% of the time of your journey.
trip means a trip by a cardholder as a
paying passenger (not as a pilot, driver or crew
member etc.) in a commercially licenced plane,
tourist bus, train or ferry authorised pursuant to
any statute, regulation, by-law or the equivalent
thereof for the transportation of passengers for
hire. Provided that before the trip commenced
the cost of the trip was charged to the
cardholders HSBC credit card account.
unattended means property/personal
goods being:
left in a position where the items can be
deliberately damaged or taken without you,
your family or your travel companion
knowing and being able to prevent the items
from being damaged or taken.
you, your, yours, yourself means the
cardholder except in the International Travel
Insurance policy where it means the persons
described in Part B under the heading Who is
covered?

25

Claims procedures
Please do not contact HSBC Bank in the
event of a claim, as it is not involved in the
processing of insurance claims.
If you want to make a claim under any of these
insurance covers, you can obtain claim forms
and information on how to make a claim at
the Zurich website - www.zurich.com.au.
Click on the Credit & Debit card insurances
tab and follow the links. Or you can follow the
procedures below.
1. Whilst you are overseas:
In the event of an emergency overseas,
simply call Zurich Assist in Australia at any
time on +61 2 9995 2021. Reverse charge
calls to this number can be made from many
countries via Australia Direct, Telstras
international reverse charge service.
In order for Zurich Assist to confirm your
eligibility for International Travel Insurance,
you will need to have copies of the
documents listed on page 40, Documents to
take with you.
2. If you are in Australia, (or when you return
to Australia) you must follow the steps
listed below:
Contact us on 1800 648 093 within 30
days of returning home from overseas
or interstate (even if you have previously
reported the matter to Zurich Assist), or if
you are already home, contact us within
30 days of learning of an occurrence (loss,
damage or breakdown) that may result
in a claim. However, if you are making a
Guaranteed Pricing Scheme claim, you must
contact us within 21 days of the purchase of
the personal good.
26

 We may require you to complete a written

loss report. If we do, we will provide you
with the forms which should be returned to
us within 30 days after you receive them.
If you fail to contact us or complete the loss
report within the specified times and we are
prejudiced by your delay, we may refuse to
pay your claim.
You must provide us with any evidence/
documentation we require to verify your
claim. Depending on the policy you are
claiming under, this might include (but is not
limited to) any of the following:
- proof that you are eligible for insurance
cover - e.g. your eligible HBSC credit
card account statement and HSBC credit
card receipt to confirm the purchase of
your return overseas travel ticket(s), etc.;
- if items were stolen, wilfully damaged,
or accidentally lost you must give us the
police report number, or if the incident
occurred whilst you were overseas, a
copy of the report you obtained from the
police or nearest government agency or
authority. The report should be certified by
the relevant authority as being a true and
correct copy of the original;
- proof of your ownership of any lost, stolen
or damaged items - e.g. purchase receipts;
- evidence of your intended flight - e.g.
ticket, travel agents itinerary showing
your flight or a letter from the airline, etc.;
- evidence of the delay, including in the case
of luggage delay, a lost property/delayed
property report issued by the airline;
- receipts for any items you buy to replace
those that were lost or stolen or purchased
27

as emergency replacement of your

clothes and toiletries;
- if any items are lost or stolen during the
time that a carrier was responsible for
looking after them, you must get a letter
from the carrier explaining what happened
and stating the amount of refund you
received from them;
- if your travel or accommodation
arrangements are cancelled and you
intend claiming, you must provide a letter
from the carrier, hotel, etc., outlining the
refund you were entitled to;
- any damaged items for which you are
claiming so that they can be inspected by
us or our authorised representative;
- a quote (at your expense) for the
replacement of lost or stolen items,
or quote (noting the serial number for
Extended Warranty Insurance claims) for
the repair of damaged or broken down
items;
- copy of the Australian warranty if
claiming under the Extended Warranty
Insurance policy;
- in regard to the Guaranteed Pricing
Scheme, we require evidence that the
cheaper item is the same (i.e. model
number, model year, and manufacturer) as
the personal good you purchased, and
we require a copy of the printed catalogue
advertising the cheaper item, and evidence
that the advertisement was printed after
you purchased the personal good.

28

Subrogation and you must assist

Zurich with your claim
When making a claim you must advise us of
any details of any other insurance under which
you are entitled to claim.
You must also, as far as allowed by law,
give us all the assistance we may require to
institute proceedings against other parties for
the purpose of enforcing rights or remedies
to which we would become entitled or
subrogated upon, by making good any loss or
damage under any of the covers included in this
document.

Fraudulent claims
When making a claim you have a responsibility
to assist Zurich and to act in an honest and
truthful manner.
If any claim is fraudulent in any way or if you or
any one acting on your behalf uses fraudulent
means to make a claim on any of the covers in
this document, then no payment will be made
in regard to the claim. Also HSBC Bank will
be informed of the situation and you may no
longer be eligible for any of the insurances and
Guaranteed Pricing Scheme cover contained in
this document.

29

International Travel Insurance

International travel insurance is a benefit
available to HSBC Bank cardholders who use
their HSBC credit card account to purchase
their return overseas travel tickets (i.e. ticket
from and returning to Australia) prior to leaving
Australia, in accordance with the criteria set
out under Who is covered? in Part B.

International Travel Insurance Index

Part A Policy Limits And Summary Of Cover

31

Part B Important Matters You Should Know About

1. Who is covered?
2. Pre-existing medical conditions
3. Emergency and medical services
whilst overseas
4. Documents to take with you

36
36
38
39
40

Part C The Cover Zurich Provides

1. Medical and hospital expenses
incurred overseas
2. Luggage and travel documents
3. Resumption of journey following the
death of a relative living in Australia
4. Special event
5. Cancellation of travel arrangements
and unexpected expenses
6. Rental vehicle excess cover
7. Travel delay 
8. Funeral expenses
9. Accidental death
10. Legal liability 
30

41
41
44
46
47
47
51
52
52
53
54

11.
12.
13.
14.

Loss of Income
Domestic Pets
Assault requiring hospitialisation
Hijack and detention

55
56
56
56

Part A
Policy limits and summary of cover
The following table show the policy limits.
The actual details are outlined elsewhere in this
policy. Please read the entire policy to ensure it
meets your requirements.

31

Part A The limits that apply and a

summary of the cover.
The table below shows the limits that apply and
an outline of the cover available.

Benefit
1. Medical and hospital expenses

2. Luggage and travel documents

baggage, clothing and personal valuables

portable electrical equipment and binoculars
cameras and associated equipment/accessories
laptop computers and associated equipment/
accessories
travel documents, travellers cheques, credit cards,
cash etc,
emergency replacement of your clothes and
toiletries
3. Resumption of journey following the death of a
relative living in Australia

32

Unlimited, except bed care patient allowance (eg

remibursement for incidentals such as newspapers and
TV rental) of A$50 per day and A$1,500 in total. NB. No
cover for pre-existing medical conditions, unless
prior approval given and administrative fee paid (see
PartA).
Limit of A$20,000 per person up to a maximum
A$32,000 for a cardholder travelling with their
spouse and/or dependent children subject to
the following limits. (However for belongings left
unattended in a motor vehicle, the most we will pay is
A$150 per article to a maximum of A$1,000 per event.)
A$5,500 per item
A$5,500 per item
A$5,500 camera
A$5,500 in total
A$600/person with a maximum of A$1,100 for a
cardholder travelling with their spouse and/or

dependent children
A$600/person with a maximum of A$1,100 for a
cardholder travelling with their spouse and/or

dependent children
Limit of A$6,500 per person up to a maximum of
A$12,000 for a cardholder travelling with their spouse
and/or dependent children

33

Benefit
4. Special event

5. Cancellation of travel and unexpected travel and

accommodation expenses

6. Rental vehicle excess cover.

7. Travel delay

8. Funeral expenses

9. Accidental death

10. Legal liability

11. Loss of income

12. Domestic Pets

13. Assault requiring hospitalisation
14. Hijack and detention

34

Limit of A$3,000 for reasonable costs of arranging

alternative public transport in order to attend a

specialevent
Unlimited, except for travel agents cancellation fee,
which is limited to an amount equal to the lesser of
A$500 or 15% of the value of the travel arranged by the
agent.
Limit of A$3,000
For reasonable additional meal and accommodation
expenses after a 6 hour delay, limit of A$500 per person
up to a maximum of A$900 for a cardholder travelling
with their spouse.
Limit of A$13,000 per person up to a maximum of
A$25,000 for a cardholder travelling with their
spouse or dependent children for an overseas
funeral/cremation or return of remains to Australia
In the event of accidental death Zurich will pay A$25,000
per cardholder, A$25,000 per spouse and A$5,000
per dependent child.
Limit of A$2,500,000
Up to three consecutive months or A$8,000 in total,
whichever comes first.
Up to A$50 per 24 hours that persons return to
Australia is delayed. Up to a maximum A$500
A$500 compensation
Up to A$250 /person/24 hours that person is held by
force. Up to a maximum A$10,000

35

Part B Important matters you should

knowabout
Who is covered?
This cover is available to cardholders who
permanently reside in Australia, as follows:
This cover provides four (4) months of free
overseas travel insurance as outlined in this
policy when prior to leaving Australia, at least
90% of the total cost of the cardholders
overseas return travel ticket (i.e. ticket from
and returning to Australia) has been charged
to the cardholders HSBC credit card
account, or
If the cardholder has paid for their overseas
return travel ticket as outlined above, this
cover extends to the cardholders spouse
and their dependent children provided they
have also had at least 90% of the total cost
of their overseas return travel tickets paid for
in the above manner, and the spouse and/or
dependent children are travelling with the
cardholder for the entire journey.
Only one person is eligible to claim the
benefits payable to a cardholder during
the period of insurance and other persons
covered under this policy would only be
eligible to claim as a spouse or dependent
child.
The cover is for a maximum period of
four (4) consecutive months and cannot
be extended. If however your return
to Australia is delayed because of an
event covered in this policy, or because
your scheduled transport (refer to your
36

overseas return travel ticket) is delayed for

reasons beyond your control, the period of
insurance will automatically be extended
for up to 4 weeks or until you return to
Australia, whichever occurs first.
In regard to the cover provided under 5.
Cancellation of travel arrangement and
unexpected expenses the cardholder will
become eligible for expenses related to the
planned overseas return travel, provided:
a deposit (charged to the cardholders
HSBC credit card account) has been paid
on the cardholders overseas return travel
ticket and the cardholder intends to pay the
balance outstanding on the ticket as outlined
at the beginning of this section Who is
covered?
If under 5. Cancellation of travel arrangement
and unexpected expenses the cardholder
is eligible for expenses related to the planned
overseas return travel, then the cardholders
spouse and/or dependent children, who have
booked to travel with the cardholder for the
entire journey will become eligible under this
section for expenses related to the planned
overseas return travel, provided:
a deposit (charged to the cardholders
HSBC credit card account) has been paid
on their overseas return travel ticket and
the cardholder intends to pay the balance
outstanding on the ticket as outlined at the
beginning of this section Who is covered?
The cardholder does not have to advise
Zurich that they will be travelling as they are
automatically covered, provided they are eligible
for this cover and adhere to the Definitions,
Terms and Conditions, Exclusions and Claims
37

Procedures of the policy.

For the purposes of the Policy:
travel from Tasmania or from mainland
Australia to Lord Howe Island, Christmas
Island or Cocos Island will be considered
as an overseas trip, however medical and
hospital expenses are not covered.
travel from Lord Howe Island, Christmas
Island or from Cocos Island to Tasmania or
mainland Australia will be considered as an
overseas trip, however medical and hospital
expenses are not covered.

Pre-existing medical conditions

The insurances do not cover you for any
event that is caused by or arises as a result of
a pre-existing medical condition of yours
or any pre-existing medical condition of a
relative, your travel companion or any other
person that may give cause for you to claim.
If however, the cardholder, the carholders
spouse and the carholders dependent
children are going overseas they may, prior to
leaving Australia apply for their pre-existing
medical condition to be covered under the
International Travel Insurance.
The pre-existing medical conditions of your
other relatives, your travel companion or any
other persons that may give cause for you to
claim can not be waived.
If you wish to apply for cover for your preexisting medical condition, please phone
Zurich Assist on 1800 648 093. Our team
of medical professionals will assess your
condition. If Zurich Assist determines to cover
your pre-existing medical condition, you
will need to pay a non refundable administration
38

fee and Zurich Assist will send you a letter

confirming that your pre-existing medical
condition is covered for the remainder of the
period of cover for the journey in question.
In regard to pregnancy, we do not insure you
for any expenses that arise due to the normal
development and consequences of pregnancy,
including but not limited to regular or routine
medical consultations and tests (such as
ultrasounds) and the childbirth itself. On the
other hand we do cover the mothers expenses
if they arise as an unforeseen consequence
of the pregnancy or childbirth and for which
otherwise the mother would be covered.
This however does not mean that cover is
provided for the health of a child born on the
journey.

Emergency and medical services

whilst overseas
In the event of an emergency overseas, simply
call Zurich Assist in Australia at any time on
+61 2 9995 2021. Reverse charge calls to this
number can be made from many countries via
Australia Direct, Telstras international reverse
charge service.
Zurich Assists team of medical professionals is
only a phone call away and is available 24 hours
a day, 7 days a week for advice and assistance
in the event of a medical emergency and any
associated problems for travellers outside
Australia.
Zurich Assist has access to a worldwide team
of skilled doctors and medical professionals and
provides the following services free of charge:
Access to Registered Medical Practitioners
for emergency assistance and advice.
39

 Emergency transportation to the nearest

suitable hospital.
Emergency evacuation, if necessary.
If requested by the cardholder, their
family in Australia will be advised of the
cardholders medical condition and be kept
informed of the situation.
Payment guarantees to hospitals and
insurance verification.
Second opinions on medical matters.
Urgent message service and emergency
travel planning.

Documents to take with you

The cardholder should take with them this
booklet (it contains important phone numbers
and details of the cover provided), and copies
of their HSBC credit card account statement
and card receipt to confirm the purchase of
their overseas return travel ticket(s).
In the event the cardholder wishes to make
a claim under this policy (especially if claiming
whilst overseas), it will be necessary for the
cardholder to confirm to Zurich or its agents
that the overseas return travel tickets were
paid for as previously outlined. Without this
information, a claim may be delayed and it may
not be possible for Zurich or its agents to give
approval for overseas medical attention.

40

Part C The cover Zurich provides

1. Medical and hospital expenses
incurred overseas.
Zurich insures you for medical and hospital
expenses you incur overseas on your
journey.
Zurich reserves the right to return you to
Australia for ongoing medical attention where
Zurich is not licenced to pay medical and
hospital expenses and you would need to claim
on Medicare and/or your Australian medical
insurer. If you choose not to return to Australia
Zurich will cease to pay for the subsequent
medical and hospital expenses you incur
overseas.
By medical expenses Zurich means
expensesfor:
medical, paramedical, or surgical treatment,
or
treatment, given or prescribed by a qualified
and registered member of the medical
profession, or
emergency dental treatment (but not ongoing
dental treatment) up to A$750 where the
treating dentist confirms in writing that the
treatment was to relieve sudden and severe
pain, or
ambulance, hospital, or nursing home
charges, or
emergency evacuation to Australia or
another country, if the local medical services

41

are inadequate or not available.

The evacuation must be authorised and
arranged by Zurich Assist. You can call
Zurich Assist in Australia at any time on +61
2 9995 2021. Reverse charge calls to this
number can be made from many countries
via Australia Direct, Telstras international
reverse charge service.
If Zurich agrees to pay the hospital and
medical expenses associated with your
stay in an overseas hospital, Zurich will also
reimburse you (in addition to the hospital and
medical charges) for incidental expenses,
such as a rental TV, newspapers or hospital
phone calls.
Zurich will pay for:
Medical expenses
Zurich will pay for your overseas medical
expenses during the period of cover if you:
become ill overseas, or
get injured overseas, provided the injury was
accidentally directly and solely caused by a
sudden physical force.
Zurich will also pay for a relative or friend to
travel to where you are and escort you back to
your normal residence in Australia if:

you are injured or become seriously ill during
the period of cover, and
you show Zurich a medical advice written
by a qualified and registered member of the
medical profession, saying that an escort is
necessary, and
Zurich Assist agrees that an escort is
reasonably necessary.
42

 Payment of the escorts cost will be made to

the person who incurs the expense.
Zurich will only cover your medical expenses if:
you incur them overseas, within 12 months
of the date of your illness or disablement,
and
you are legally responsible for paying them,
and
you show Zurich a medical advice, written
by a registered and qualified member of the
medical profession, as proof of your illness
or injury and the treatment you need for it,
and
Zurich assesses your medical expenses
are reasonable in amount and reasonably
necessary.
Please remember that you can only claim for
emergency evacuation if it is arranged by Zurich
Assist. You can call Zurich Assist in Australia
at any time on +61 2 9995 2021. Reverse
charge calls to this number can be made from
many countries via Australia Direct, Telstras
international reverse charge service.
But Zurich will not pay for:
Zurich will not pay for medical expenses that:
arise from dental treatment caused by or
related to the deterioration and/or decay of
teeth or involving the use of precious metals;
or
arise from preventative dental treatment or
damage to dentures, bridges or crowns; or
you can recover from any private medical
fund or similar government scheme; or
43

 you incur in Australia; or

arise from HIV, AIDS, ARC (AIDS Related
Complex, however this syndrome may be
acquired or named), or any related illness, no
matter how you become infected; or
arise from a sexually transmitted disease; or
arise from any disease that is transmitted
when giving or taking a drug. Unless the
giving or taking of the drug is supervised by
a qualified and registered member of the
medical profession and the disease is not
excluded anywhere else in the policy.

2. Luggage and travel documents

Zurich insures you, during your journey for
the theft and accidental loss or damage to the
following personal items that you either take
with you or buy on your journey. However
you must take steps to prevent any loss or
damage (e.g. there is no cover for possessions
unattended, left behind, forgotten or
misplaced in a public place):
Baggage, clothing and personal valuables;
Portable electrical equipment and binoculars
(but Zurich will not pay for scratched lenses);
Cameras and associated equipment/
accessories (but Zurich will not pay for
scratched lenses);
Laptop computers and associated
equipment/accessories (but Zurich will not
pay for scratched screens); or
Travel documents, travellers cheques, bank
notes, currency notes, postal orders, money
orders, cash, credit cards or petrol coupons
taken with you on your journey for personal
use.
44

Zurich will also provide for the emergency

replacement of your clothes and toiletries,
if whilst you are overseas your luggage is
delayed, misdirected, or temporarily misplaced
by any carrier for more than 12 hours.
Please note
If your travel documents, credit cards or
travellers cheques are accidentally lost or
stolen you are covered for their replacement
and any legal liability for payment arising out
of their unauthorised use only if:
- you have complied with all the conditions
you agreed to when your travel
documents, credit cards or cheques were
issued, and
- you have reported the loss to the
appropriate authorities (e.g. bank) as soon
as possible after the discovery of the loss.
If you are claiming for the emergency
replacement of your clothes and toiletries,
you will need to obtain written confirmation
from the carrier who was responsible for the
luggage and you will need to provide Zurich
with receipts for the replacement items you
needed to purchase.
In the event of a claim you must prove
your ownership of the property and prove
the value of the property (e.g. receipts or
valuations for jewellery etc). If you cannot
prove the value of your property, the most
we will pay for each individual item is 10% of
the value shown for the type of item in Part
A - Policy limits and summary of cover.

45

3. Resumption of journey following

the death of a relative living in
Australia
Zurich insures you for the reasonable
transport expenses incurred to return to
Australia and then resume your journey, if
you have to interrupt your journey and return
to Australia immediately following the death of
a relative.
Zurich will only pay if:
you resume your journey within 30 days of
returning to Australia, and
your journey had not ended before your
return and there is at least a fortnight or
25% of the time of your journey remaining
(whichever is the greater), and
the death occurred after you booked your
travel, and
your claim is not excluded elsewhere in this
booklet. However if the exclusion is due
to your relatives pre-existing medical
condition, Zurich will pay benefits provided
that before you commenced your journey
a medical professional had not declared your
relative as being terminally ill.
Zurich will pay for:
Zurich will reimburse you the costs of an
economy air ticket to Australia and an
economy air ticket to return you to the
overseas location where you were to be at that
time when you returned overseas (as stated in
your original itinerary).

46

4. Special Event
If your journey is interrupted by any
unexpected cause outside of your control and
as a result you are going to miss a special
event which can not be delayed, Zurich will
pay the reasonable additional costs of using
alternative transport to arrive at the destination
for the special event.

5. C
 ancellation of travel arrangements
and unexpected expenses
Under this section Zurich covers you for
cancellation and unexpected expenses,
provided the claim is not covered elsewhere in
this policy.
The expense must be incurred during the
period of cover for one of the following
reasons:
there is a natural disaster, or a natural
disaster has recently happened or is
reasonably expected to happen either at
your destination or at your or your travel
companions normal residence;
you or your travel companions normal
residence in Australia is totally destroyed;
you or your travel companions are
unexpectedly quarantined;
you or your travel companions are
unexpectedly subpoenaed to attend court in
Australia;
a pre-existing medical condition if Zurich
has given prior written approval to cover your
pre-existing medical condition and you
have paid the administration fee;
after purchasing your overseas return travel
tickets, you become aware of a medical
47

condition, which Zurich will then not provide

pre-existing medical cover for;
you, your travel companion or a relative
living in Australia
unexpectedly:
- dies, or
- is seriously injured, or
- becomes seriously ill.
(Zurich will need to see a medical advice
written by a qualified and registered member
of the medical profession regarding any of
the above events and be satisfied that the
cancellation was appropriate and reasonably
necessary);
you miss your arranged travel because your
proceeding flight was delayed or cancelled;
whilst overseas your travel documents are
lost or stolen;
the unexpected cancellation of authorised
pre-arranged leave for you or your travel
companion if either of you are full time
employees of the police, fire, ambulance,
defence or emergency services;
you or your travel companion having to
sit unexpected exams in regard to studies
either of you were undertaking prior to you
becoming eligible for this insurance;
a special event has been cancelled or
postponed for reasons beyond your
expectations or control;
your arranged travel is cancelled or delayed
by the carrier because of unexpected:
- mechanical breakdown of your means of
transport
48

 - riots, strikes, civil commotion (but not acts

of terrorism, any war like activities, war,
whether it has been formally declared or
not, any hostilities, rebellion or revolution,
or military coup, or overthrow of a
government/military power); or
- weather conditions; or
- natural disasters; or
you or your travel companion are
unexpectedly retrenched. This does not
include voluntary retrenchment or voluntary
redundancy.
But Zurich will not pay for:
Zurich will not pay for any event that is caused
or arises from:
you or your travel companions failure to
procure a passport or visa; or
bookings made with or via any unlicenced
parties (including but not limited to tour
operators, wholesalers, transport providers or
travel agents etc); or
the negligence or inability of the tour
operator, wholesaler, transport provider or
travel agent to complete any arrangements;
or
the inability of the tour operator, wholesaler,
transport provider or travel agent to complete
any arrangements (e.g. conference,
accommodation or transport arrangements)
due to lack in numbers required to
commence or complete any part of the tour;
or
the inability of any tour operator, wholesaler,
transport provider or travel agent to provide
accommodation or other services due to
49

their financial collapse or insolvency or any

person or organisation they deal with.

Important
If you want to claim under this section, you
must take steps to minimise your losses. As
soon as possible after the cancellation you
must:
recover any refund you are entitled to, and
cancel any other travel or accommodation
arrangements that depend on your cancelled
arrangements and that you are now unable
to use.
Zurich will pay for:
If you continue your travel
You may decide to continue your cancelled
travel arrangements. If you do this at
the earliest reasonable opportunity after
cancellation, Zurich will, at its option, either:
pay for any part of your cancelled travel
arrangements that:
- you have paid for but are unable to use,
and
- that are non-refundable, or
pay the costs of a higher class of travel, or
increased seasonal rates for travel, if that is
the only class or rate available. Zurich will
pay these costs minus the amount of any
refundable part of your cancelled travel
arrangements. Zurich will only pay to upgrade
your travel on the type of transport you
chose in your cancelled travel arrangements.
Zurich will also pay for any part of your
50

cancelled accommodation arrangements that:

you have paid for but are unable to use, and
which are non-refundable.
If you do not continue your travel
You may decide not to continue with the
cancelled travel arrangements at the earliest
reasonable opportunity after cancellation. If so,
Zurich will pay for any part of your cancelled
travel and accommodation arrangements that:
you have paid for, but will not use, and
which are non-refundable.
Out of pocket expenses
Zurich will pay unexpected travel and
accommodation expenses if they arise because
the carrier cancels your arranged travel if:
you incur them during your journey, and
you are legally responsible for paying for
them, and
Zurich thinks they are reasonable in amount
and were reasonably necessary, and
you show Zurich a letter from the carrier
giving details of the cancellation.
Travel Agents cancellation fee
Provided your bookings were made through a
licenced travel agent, Zurich will pay your travel
agents cancellation fee up to an amount equal
to the lesser of A$500 or 15% of the value of
the travel arranged by the agent.

6. Rental vehicle excess cover

Zurich will reimburse you for any excess or
deductible which you become legally liable to
pay in respect of a claim made under the rental
51

vehicle insurance during the rental period

provided:
the rental vehicle must be rented from a
licenced rental agency; and
the hiring agreement must incorporate rental
vehicle insurance normally provided by the
rental agency; and
you have complied with all requirements
of the rental organisation under the hiring
agreement and of the rental vehicle
insurance.
But Zurich will not pay for:
Zurich will not pay for your costs arising from:
loss or damage resulting from the operation
of the rental vehicle in violation of the terms
of the rental agreement; or
wear and tear, gradual deterioration, damage
from insects or vermin, inherent vice or
damage.

7. Travel delay
If the departure of any scheduled transport in
which you have arranged to travel is delayed for
at least 6 hours due to any unforeseen cause
outside your control Zurich will reimburse your
costs.
This benefit is only payable when you supply
receipts for the expenses incurred and written
confirmation from the carrier confirming the
period of delay.

8. Funeral expenses
Zurich insures you for funeral expenses that
are incurred whilst on your journey. However,
Zurich will not pay for your funeral expenses
52

if your death is the result of a pre-existing

medical condition unless Zurich has given
prior written approval to cover your preexisting medical condition and you have
paid the administration fee.
By funeral expenses Zurich means:
The costs of returning your remains or ashes
to Australia, and/or
The costs of your overseas funeral or
cremation.
Zurich will pay for funeral expenses if:
You die during the journey, and
A death certificate given by a qualified and
registered member of the medical profession
is shown to Zurich as proof of the cause of
death.

9. Accidental death
We will insure you if whilst on your journey,
you die as a result of injuries sustained in an
accident (but not illness or disease) and the
Transit Accident Insurance policy, included in
this booklet, does not provide Loss of Life
benefits for the accident.
The death must occur within 12 months of the
accident and the accident must have been
caused by violent, external and visible means
and must be supported by a death certificate,
signed by a qualified and registered member of
the medical profession.
If the transport you are travelling in is involved
in an accident caused by violent, external and
visible means and your body can not be found,
Zurich will after 12 months treat you as having
died as a result of the accident.
53

10. Legal liability

Zurich covers your legal liability during your
journey.
By legal liability, Zurich means your
responsibility to pay compensation for
negligently causing:
bodily injury or death to someone other than
you, or
loss or damage to property owned or
controlled by someone other than you.
Only Zurich has the right to:
settle or defend the claim, or
make or accept an offer or payment, or
in any way admit you are liable.
Zurich will pay for:
Zurich will pay for your legal liability if:
the event that gives rise to it
- happens during the journey, and
- is one that you do not intend or expect to
give rise to your legal liability.
Legal costs
Zurich will also pay all reasonable legal fees
and expenses if:
Zurich incur them on your behalf, or
you incur them after Zurich agree in writing.
But Zurich will not pay for:
Zurich will not pay for your legal liability that
arises:
from bodily injury to, or the illness or
54

deathof:
- any relative or travel companion, or
- your employee.
from you owning or occupying any land or
building (unless the building is a residence
and you occupy it as a tenant or lessee, or in
some other temporary way).
from you owning, controlling or using a
motorised vehicle, an aircraft or a watercraft
(other than a non-motorised watercraft used
on inland waterways).
However if you do not own or control the
transport and are using it just as a passenger,
you are not within this exclusion.
from your business, profession or
occupation.
from loss or damage to any property that is
owned or controlled by you.
from any fines or penalties, including
punitive, exemplary, liquidated or aggravated
damages. These are damages a judge may
order a person to pay as punishment. They
are different from damages that must be paid
as compensation.

11. Loss of income

We cover cardholders and their spouses for
loss of income and will pay this benefit monthly
in arrears if:
a. a cardholder or spouse is unable to resume
their pre-journey work in Australia after
a journey ends solely as a result of injuries
sustained whilst on a journey; and
b. the claim is supported by a medical
certificate given by an Australian qualified and
55

registered medical practitioner; and

c. the cardholder or spouse had work to
return to in Australia (supported by written
evidence).
We do not cover the income lost during the
first month after a cardholder or spouse
planned to resume their pre-journey work in
Australia.

12. Domestic Pets Boarding

If your return to Australia is delayed because
of events covered under this policy, or your
scheduled transport back to Australia is
delayed for reasons beyond your control,
the period of insurance will automatically be
extended for a period of 4 weeks. During this
period we will pay any additional boarding fees
for your domestic cats and dogs, provided you
provide evidence of the additional fees you
incurred.

13. Assault requiring hospitalisation

If whilst overseas you are injured whilst being
assaulted and require hospitalisation because of
the injuries, we will compensate you, provided
the claim is supported by a medical certificate
given by a qualified and registered medical
practitioner; and you provide us with a police
report on the incident.

14. Hijack and detention

If whilst overseas the control of the plane, bus,
train, ferry or taxi you are travelling in is seized
by force or threat of force by unauthorised
persons and you are detained for more than 12
continuous hours by these persons or persons
connected with these persons using violence
56

or the threat of violence, we will compensate

you for each 24 hours you are held captive.

Purchase Protection Insurance

Purchase Protection Insurance is a benefit
available to HSBC Bank cardholders. This
cover provides ninety (90) consecutive days of
free worldwide insurance against loss, theft,
or accidental damage over a wide range of
new personal goods purchased anywhere in
the world, provided the purchase is charged
to the cardholders HSBC credit card
account. However you must take steps to
prevent any loss or damage (e.g. there is no
cover for possessions, left behind, forgotten or
misplaced.)

Terms and Conditions

1. The policy provides automatic protection
for personal goods when their purchase is
charged to an HSBC credit card unless the
personal goods and/or claims are excluded
by the Definitions, Terms and Conditions, or
Exclusions, or the cardholder fails to comply
with the Claims Procedures.
2. You must take steps to prevent any loss or
damage and there is no cover if you dont
do this (e.g. there is no cover for personal
goods, unattended, left behind, forgotten or
misplaced in a public place.)
3. There is no cover for personal goods that
are being transported to you, unless they are
part of your accompanying baggage.
4. The personal goods are insured anywhere
in the world for ninety (90) consecutive days
from the date of purchase in the event of
loss, theft or accidental damage.
57

5. The liability of Zurich for claims made

pursuant to the policy shall not exceed:
the actual amount charged to the
cardholders HSBC credit card account
to purchase personal goods; or
A$3,000 for per claim in respect of
jewellery, watches and fine arts; or
A$125,000 in any twelve (12) month period
in respect of any one HSBC credit card
account.

Extended Warranty Insurance

Extended Warranty Insurance is a benefit
available to HSBC Bank cardholders and
is not transferable. The cover extends the
manufacturers expressed Australian warranty
on personal goods, purchased, provided the
entire cost of the personal good is charged to
the cardholders HSBC credit card account.
The Policy does not affect the rights of
cardholders against a manufacturer in
relation to contravention of statutory or implied
warranties under Australian legislation.

Terms and Conditions

1. The insurance cover provided by the policy
in respect of the purchase of personal
goods comes into effect at the end of the
Australian warranty period that applies to
those personal goods.
2. Only items with a manufacturers unique
identification serial number on them are
covered under the policy.
3. This extended warranty period will be for
an equivalent duration as the Australian
warranty period, up to a maximum of one
58

full year, and does not apply if the Australian

warranty period is in excess of 5 years.
For Example:
A
 ustralian
warranty period

Extended
warranty period

7 days
14 days
1 month
6 months
1 to 5 years
over 5 years

7 days
14 days
1 month
6 month
1 year
no cover

4. This Extended Warranty only covers the

failure of personal goods to operate for the
purpose for which they were designed as a
result of a breakdown or defect, provided the
breakdown or defect is covered by the terms
of the Australian warranty.
5. The liability of Zurich for claims made
pursuant to the Policy shall not exceed:
the actual Australian dollar purchase price
of the goods charged to a HSBC credit
card account; and
in any twelve (12) month period the sum of
A$10,000 per HSBC credit card account.

Guaranteed Pricing Scheme

Guaranteed Pricing Scheme is a benefit
available to HSBC Bank cardholders when
new personal goods are purchased by a
cardholder from a physical store anywhere
in Australia, and the entire cost is charged to
the cardholders HSBC credit card account.
There is no insurance for personal goods
purchased over the internet.
This covers the cardholder against the loss
59

of best price and will compensate them if

within twenty one (21) days of the purchase,
they advise Zurich that they have subsequent
to their purchase received a printed catalogue
showing the same personal good (same
model number and same model year) by the
same manufacturer for a lower price from a
store within 25 kilometres of the store from
where the personal good was purchased and
the price difference is greater than A$75.
This scheme only compensates you if the
catalogue showing the lower priced item was
printed after your purchase.

Transit Accident Insurance

Transit Accident Insurance is a benefit available
to HSBC cardholders.
This cover provides certain accidental death and
injury benefits for cardholders who sustain
an injury while riding as a passenger in (not as
a pilot, driver or crewmember), or boarding or
alighting (being when you physically get on or
off) a plane, tourist bus, train or ferry as outlined
in the policy.
The cover is only available when before the trip
commenced the cost of the trip was charged
to the cardholders HSBC credit card
account.

Terms and Conditions

The benefits listed under the schedule of
benefits will be paid if the cardholder suffers a
loss as a result of an injury suffered under the
circumstances specified in points 1, 2, 3 or 4 as
follows:

60

1. The injury is sustained on a trip while riding

as a passenger or boarding or alighting (being
when you physically get on or off) the plane,
tourist bus, train or short haul ferry (but not a
cruise ship).
2. The injury is sustained while riding as a
passenger in (not as a pilot, driver or crew
member), or boarding, or alighting (being
when you physically get on or off) from a
licenced taxi or bus or hire vehicle authorised
pursuant to any statute, regulation, by-law or
equivalent thereof for the transportation of
passengers for hire, provided the cardholder
is travelling directly to or from an airport,
tourist bus depot, railway station or dock,
immediately preceding or following a
scheduled trip.
3. When by reason of an accident specified in
1 or 2 above, a cardholder is unavoidably
exposed to to the elements and as a result of
such exposure, suffers an injury for which
indemnity is otherwise payable the loss is
covered under the terms of the policy.
4. If the body of a cardholder has not been
found within one (1) year of the date of their
disappearance arising out of an accident
which would give rise to a loss as specified
in 1, 2 or 3 above it will be presumed that the
cardholder suffered loss of life as a result of
bodily injury caused by the accident at the
time of their disappearance.
5. A benefit payable under the policy will be
paid to the injured cardholder or, in the
event of their death the benefit will be paid to
their legal representative(s).

61

Schedule of Benefits
When an accident results in any of the
following injuries within one (1) year after
the date of the accident, Zurich will pay the
amount shown opposite the said injury.
If more than one injury results from one
accident, only the benefit amount for the
greater injury will be paid.
Injury

Benefit Amount

Loss of Life

A$650,000

Loss of both hands and/or

both feet

A$200,000

Loss of one hand in

conjunction with one foot

A$200,000

Loss of the entire sight of

both eyes

A$200,000

Loss of the entire sight of one

eye in conjunction with and
one hand and/or one foot

A$200,000

Loss of one hand or one foot

A$100,000

Loss of the entire sight of

oneeye

A$100,000

Limits on what Zurich will pay

The most Zurich will pay in claims under
the policy, that result from one incident is
A$775,000 in regard to cardholders regardless
of the number of cardholders injured in the
incident.
This means that if as a result of one incident a
number of cardholders were injured, Zurich
would pay each on a proportional basis (using
the above schedule) up to a total of A$775,000.

62

HSBCBank Australia Limited ABN 48 006 434 162

HBAA603VCC R3 08/14