HSBC Premier
HSBC Premier is a travel insurance for the MT market with no online purchase and 24/7 assistance.
Direct payment
For in-patient hospital admissions, IMG (International Medical Group) will arrange for covered medical expenses to be paid directly to the hospital/clinic abroad. For simple outpatient treatment, the insured must pay the hospital/clinic directly and claim reimbursement from Atlas on return to the country of residence.
Geographic scope
MT
Anywhere in the world except the insured person's country of residence (Malta)
Unique selling points
- High emergency medical cover of €235,000 per person per trip, well above the EU Schengen visa minimum requirement of €30,000.
- Complimentary travel insurance automatically activated when the Premier card is used to pay for any part of the trip cost — no separate application or premium required.
- 24/7 emergency medical assistance via IMG (International Medical Group), which arranges direct payment of covered medical expenses to hospitals abroad and coordinates repatriation.
- Cover extends automatically to the cardholder's whole family (spouse/partner and children under 18 or under 25 in full-time education) even when travelling independently without the cardholder.
- Coronavirus (COVID-19) cover is included as a named extension under Section L, providing protection for cancellation, emergency medical expenses, hospital benefit and missed departure due to COVID-19, partially overriding the standard pandemic exclusion.
Coverage limits
Emergency Medical and Other Expenses
Covered
Covers emergency medical, surgical, hospital, ambulance (including rescue services to take you to hospital) and nursing fees and charges incurred outside the country of residence. Also covers continuation of treatment in the country of residence up to €1,165 within three months after the booked return date. Includes reasonable additional transport and accommodation if medically necessary to stay beyond scheduled return date, and repatriation costs with prior IMG authorisation.
SourceEmergency Medical Treatment
Covered
Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside the country of residence as a result of bodily injury, illness or compulsory quarantine, all subject to the overall Section B limit of €235,000. Private in-patient treatment costs are not covered unless authorised by IMG or Atlas.
SourceHospital Cash Benefit
Covered
€25 for every complete 24 hours the insured person must stay in hospital as an in-patient outside the country of residence, up to a maximum of €475 in aggregate per insured person per trip. Paid in addition to Section B emergency medical expenses. Requires notification to IMG or Atlas as soon as possible.
SourceOutpatient Treatment
Covered
For simple outpatient treatment abroad, the insured must pay the hospital/clinic directly and claim reimbursement from Atlas on return. Outpatient expenses are subject to the overall Section B limit of €235,000 and excess of €50. Continuation of treatment in the country of residence is covered up to €1,165 within three months of the booked return date.
SourceEmergency Dental Treatment
Covered
Emergency dental treatment for the immediate relief of pain to natural teeth incurred outside the country of residence. Covered under Section B within the overall €235,000 limit, subject to the €50 excess.
SourceMedical Transport and Additional Travel Expenses
Covered
Reasonable additional transport (economy class) and accommodation expenses if medically necessary to stay beyond scheduled return date. Also covers reasonable additional travel expenses (economy class) to return the insured home if unable to use the return ticket. Subject to the overall Section B limit of €235,000 and €50 excess. Includes ambulance and rescue services to hospital.
SourceMedical Evacuation / Repatriation
Covered
With prior authorisation of IMG, covers the additional costs of air transport or other suitable means, including qualified attendants, to repatriate the insured to their home if medically necessary. Repatriation is in the same class of travel as the outward journey unless IMG agree otherwise. Subject to the overall Section B limit of €235,000. Private repatriation costs are not covered unless authorised by IMG or Atlas.
SourceRepatriation of Remains
Covered
In the event of death outside the country of residence, covers the reasonable additional cost of funeral expenses abroad plus the reasonable cost of conveying ashes to the insured's home, or the additional costs of returning the body home. Covered within the overall Section B limit of €235,000.
SourceSearch and Rescue / Ambulance Services
Covered
Ambulance and rescue services to take the insured to hospital are included within Section B - Emergency Medical and Other Expenses (overall limit €235,000). The policy does not specify a separate standalone search and rescue limit beyond the ambulance/rescue inclusion in Section B.
SourceCoronavirus (COVID-19) Cover
Conditional
Section L extends cover for Coronavirus (SARS-CoV-2/COVID-19) under Sections A, B, C and I, partially overriding General Exclusion 13 (Pandemic and Epidemic). Under Section B, emergency medical expenses for COVID-19 are covered within the overall €235,000 limit. For quarantine without positive test, additional accommodation is covered at €50 per 24 hours up to €700, and additional travel expenses up to €300. Cover is conditional on the insured having tested positive during the trip or a Select Travel Companion testing positive. Cost of COVID tests is not covered.
SourcePre-existing Medical Conditions
Excluded
Any pre-existing medical condition (defined as a medical condition for which the insured has received or is awaiting treatment, surgery, tests, investigations or prescribed medication within the 12 months prior to the date of booking or entry date, whichever is later) is explicitly excluded from all health-related sections (A, B, C, D). This exclusion also applies if a close relative, close business associate, accompanying person or person with whom the insured has arranged to stay is suffering from a pre-existing condition. Claims arising from pre-existing conditions remain excluded even if resulting in hospitalisation.
SourceWinter Sports Extension
Optional
Winter sports cover is excluded from the base policy and must be purchased as an optional extension (Section N) for specific trips up to 14 days, at €45 per week per insured person per trip (€15 per additional week, maximum 2 weeks). Not available to insured persons aged over 75. Covers accidental loss/theft/damage to ski equipment (up to €1,000), replacement ski equipment hire (up to €350), unused ski pack due to injury/illness (up to €500), and piste closure compensation (up to €350). Certain activities remain excluded even with this extension.
SourceAdventure / Extreme Sports Cover
Excluded
A wide range of adventure and extreme sports are explicitly excluded from all sections of the policy under General Exclusion 7. Excluded activities include bungee jumping, canoeing at grade 4 or above, caving, canyoning, extreme sports of any kind, gliding, hang gliding, high diving, hot air ballooning (unless organised with qualified pilot), hunting, jet skiing, kayaking, martial arts, micro lighting, parachuting, paragliding, polo, pot holing, quad-biking, rafting, rock climbing or mountaineering requiring guides or ropes, shark diving, sky diving, sky surfing, trekking/hiking above 2500 metres, tubing, underwater activities requiring artificial breathing apparatus, and wrestling.
SourcePregnancy Complications
Conditional
Normal pregnancy and childbirth without accompanying complications is explicitly excluded (Important Conditions relating to Health, 1.d.iv). Complications of pregnancy are not explicitly excluded, meaning they may be covered under Section B (Emergency Medical and Other Expenses, up to €235,000) as an illness/bodily injury, provided the condition is not a pre-existing medical condition and all other conditions are met. The policy does not state a separate sub-limit for pregnancy complications.
SourcePersonal Liability
Covered
Covers amounts the insured becomes legally liable to pay as compensation for accidental bodily injury, death, illness or disease to any person not in the insured's employment or household, or accidental loss/damage to property not belonging to or under the control of the insured or household members. Includes legal costs and expenses awarded against or incurred by the insured with Atlas' written permission. Limit: €1,200,000 per insured person per trip, excess €50.
SourceLegal Costs and Assistance
Covered
Legal costs and expenses awarded against or incurred by the insured with Atlas' written permission are included within the Section G Personal Liability limit of €1,200,000. Atlas is entitled to take over and conduct the defence of any legal action in the insured's name. No separate standalone legal assistance benefit is specified beyond the personal liability cover.
Source24/7 Emergency Assistance Service
Covered
IMG (International Medical Group, formerly Global Response) operates 24 hours a day, 365 days a year, providing advice and assistance for hospital admission, repatriation and authorisation of medical expenses. Contact: Tel +44 (0) 292 066 2438 or email 247assistance@imglobal.com, quoting policy number 167064 299 002. Cardholders must contact IMG in the event of serious illness or accident before hospital admission or before repatriation arrangements are made. If immediate emergency treatment prevents prior contact, IMG must be contacted as soon as possible.
SourceKey conditions
Assistance call deadline
In the event of a serious illness or accident which may lead to in-patient hospital treatment or before arrangements are made for repatriation, the insured must contact IMG immediately. If this is not possible because the condition requires immediate emergency treatment, contact must be made as soon as possible. Private medical in-patient treatment and repatriation costs are not covered unless authorised specifically by IMG or by Atlas.
Unauthorized treatment
Private medical in-patient treatment and repatriation costs are not covered unless authorised specifically by IMG or by Atlas. If the insured decides not to be repatriated after the date when IMG considers it safe to do so, further hospitalization costs will not be covered.
Purchase while abroad
Travel insurance is not available for purchase while abroad. Cover is a free benefit automatically available to HSBC Premier cardholders when payment guarantee, full or part payment is made by the Account Holder's Premier Card for flights and/or marine transport services and/or travel accommodation related to a trip. The date of booking must fall within the policy contract period (01.01.2025–31.12.2027).
Chronic conditions
Chronic diseases that constitute a pre-existing medical condition (i.e. any disease for which the insured has received or is awaiting treatment, surgery, tests, investigations, or prescribed medication within the 12 months prior to the date of booking or entry date, whichever is later) are excluded from Sections A, B, C and D. Mental and nervous disorders are excluded unless resulting in admission to hospital. Claims arising from pre-existing conditions remain excluded even if resulting in hospitalisation.
Pregnancy
Normal pregnancy and childbirth without any accompanying complications is explicitly excluded from all health-related cover (Important Conditions relating to Health, 1.d.iv). Pregnancy complications are not explicitly excluded and may be covered under Section B (Emergency Medical and Other Expenses, up to €235,000) provided the condition is not a pre-existing medical condition and all other policy conditions are met.
pre_existing_conditions
Any pre-existing medical condition (defined as a medical condition for which the insured has received or is awaiting treatment, surgery, tests, investigations or prescribed medication within the 12 months prior to the date of booking or entry date, whichever is later) is excluded from Sections A, B, C and D. This exclusion extends to claims arising from the pre-existing conditions of close relatives, close business associates, accompanying persons, and persons with whom the insured has arranged to stay. Claims arising from pre-existing conditions remain excluded even if they result in hospitalisation.
coverage_duration_limit
The standard maximum trip duration is 120 days per trip. If any trip exceeds 120 days (or the extended agreed period under Optional Section P), no cover will apply for any part of that trip, including the first 120 days. The trip duration may be automatically extended by up to 30 days if the return to the country of residence is unavoidably delayed due to an insured event. An optional extension (Section P) is available to increase the maximum to up to 180 days at an additional premium.
Documents
HSBC Premier Travel Insurance - Terms and Conditions (effective 01.01.2026)
terms_and_conditions
HSBC Premier Travel Insurance - Insurance Product Information Document (IPID)
ipid
HSBC Premier Travel Insurance - Limits and Excesses Schedule (Table of Benefits)
benefits_table
HSBC Malta Travel and Purchase Protection - Important Documents page (all downloadable policy documents)
other
Policy specifics
Cancellation and Curtailment Charges
Refund of non-recoverable deposits and amounts legally obliged to pay for unused travel and accommodation, including visa costs (max €120 per person), in case of unavoidable cancellation or curtailment
Baggage Cover
Accidental loss of or damage to personal belongings (clothing, luggage) during trip
Loss of Personal Money
Loss of cash, travellers cheques, travel tickets, hotel vouchers, passports held during trip
Hospital Cash Benefit
In-patient hospital benefit if admitted to hospital licensed for surgery abroad due to accidental bodily injury or illness
24/7 Emergency Assistance and Medical Services
Global Response (International Medical Group) provides round-the-clock emergency assistance for hospital admission, repatriation, and medical expense authorization
Maximum Trip Duration
Premier customers are covered for a single trip of up to 120 days maximum
Age Eligibility
Cover applies to insured persons under 76 years of age; customers aged 76+ may be eligible for limited cover subject to eligibility and underwriting
Eligibility Requirement - Card Payment
For a trip to be eligible for travel insurance, the account holder must use their Premier card for all or part payment of flight, marine transport service, and/or accommodation related to the trip
Eligible Family Members
Cover extends to spouse or partner living at same address, and children living with cardholder aged under 18 or under 25 if in full-time education
Pre-Existing Medical Conditions Exclusion
Any pre-existing medical conditions that existed or have existed in the 12 months prior to date of booking of the trip (or issue of card, whichever is later) are not covered
Claim Notification Deadline
Insured person must notify Mediterranean Insurance Brokers (MIB) with full details in writing as soon as reasonably possible, but not later than 30 days from return to country of residence
Underwriter and Administrator
Insurance provided and underwritten by Atlas Insurance PCC Limited; administered by Mediterranean Insurance Brokers (Malta) Limited