The world's local bank

Covers	Premiums	Fixed sum	Automatic renewal
Worldwide destination	Just US$ 265 a year	Yes	No

Here's what you get:

Two options allow you to choose your cover:

Option 1: Classic Cover

• Emergency medical evacuation and repatriation: incurred expenses *
• Personal accident coverage in case of death and permanent total disability: up to US$ 20,000.
• Emergency medical expenses: up to US$ 100,000
• Emergency dental expenses: up to US$ 300
• Repatriation in case of death: incurred expenses *
• Loss, theft or damage of luggage: up to US$1,500 with a US$60 deductible per claim
• Delay of luggage for more than 12 hours: up to US$ 500 per claim.
• Medical advice: free of charge
• Urgent dispatch of medicines: incurred expenses *
• Legal assistance: up to US$ 5,000 per claim
• Burial expenses necessary for travel: incurred expenses *
• Additional repatriation expenses for a minor child left alone after your repatriation: incurred expenses *

Option 2: Premier Cover (in addition to the Classic Cover Option)

• Extension for the personal accident coverage in case of death and permanent total disability up to US$ 25,000
• Extension for the emergency medical expenses: up to US$ 500,000
• Extension for the emergency dental expenses: up to US$ 500
• Extension for the loss, theft or damage of luggage: up to US$ 2,500 with a US$ 60 deductible per claim.
• Extension for the delay of luggage for more than 12 hours: up to US$ 800
• Flight delay more than 8 hours: US$ 200

* Incurred Expenses are equal to the actual real cost legally or medically required.

Here's what you get, for a little extra:

• Ski cover : +30% on the premium quoted

Plus:

• Mondial Assistance provides you with a 24 hour, 365 days assistance wherever you are in the world
• Mondial Assistance, a subsidiary of the Allianz Group and worldwide leader in travel assistance, covers you for a period of up to 1 year (less than 90 consecutive days to travel in a safer way.
• Pre approved plan; easy and simple to apply for
• Schengen compliant

See the table below for what you can be covered for:

*Multiple trip options
You can stay up to 90 consecutive days a trip outside the Lebanese territories

You can get HSBC Travel Insurance if:

• You are a Lebanese resident
• You are aged less than 70 years old. This applies to your family members (spouse and children) – Children under 15 years old benefit from a 50% discount
• You are an existing HSBC account holder.

Like any insurance policy, Adaptable Travel Plan does not cover injuries resulting from certain events, such as:

• Civil or external war, riots, popular uprising, strikes, terrorist acts, hostage-taking incidents and handling of weapons. However, our assistance guarantee applies in case you are taken aback by the emergence of such events abroad, during the fourteen (14) days following the beginning of these events.
• Your voluntary participation to bets, crimes or flights, except for self–defense.
• Any effect of nuclear origin or caused by any source of ionizing radiation.
• Your intentional acts, your fraudulent faults, including suicide and suicide attempt.
• Your consumption of alcohol, drugs and any narcotic substance, not medically prescribed.
• The conscious inobservance of official interdictions, as well as the non-respect of acknowledged security rules, due to the practice of any sport activity.
• Your participation to any sport practiced on a professional basis or by virtue of a remunerated contract, be it within the framework of a competition, an exhibition, or training.
• The accidents or injuries due to the practice, for leisure, of dangerous sports, as mechanical sports, aerial sports, fighting sports, snow or ice sports, equestrian sports, water sports, as well as any hazardous activity like hunting, rock-climbing, speleology, parachunting, mountaineering, scuba-diving with or without an autonomous or similar equipment.
• The claims occurring outside the guaranteed zones mentioned in the particular conditions or outside the period of validity of the present policy.
• All claims occurring in the scope of a manual profession.
• Your trip done by non–public means of transportation (Air, Sea or Land). However, our assistance guarantee remains valid during the entire insured stay abroad.
• Exclusions have been kept to a minimum. Details of full exclusions will be available on the policy terms & conditions.

Will Adaptable Travel plan cover me while I'm flying

Yes, provided you are flying as a fare–paying passenger and not as a member of the crew.

What is the Sum Insured for each of my children?

Each of your children is insured for the same amount as yourself.

How many trips can I take in a year or before the expiry of the policy?

If you opt for the "multi–trip" option, you can take as many trips as you want. The trip can not exceed the period of 90 consecutive days.

What if I leave HSBC, can I still keep my insurance coverage?

Yes.

When does my coverage start?

It will start directly according to the travel period mentioned on the policy.