Issuing Territories: means Antigua & Barbuda, Aruba, Barbados, Curaçao, St Kitts & Nevis, St Maarten, Trinidad & Tobago, Virgin Islands U.S., Bahamas, Belize, Bermuda, Cayman Islands, Haiti, Jamaica, Turks & Caicos. Return of Dependent Children/Elderly:  If an Insured Person is hospitalized for more than three (3) days, while on a Covered Trip and he/she is 100 or more miles (160 kilometers) from the home residence or while outside of his/her Home Country, benefits can be provided to a) bring an otherwise unaccompanied minor Child(ren) or Elderly Traveling Companion home; and/or b) costs to bring and return an escort to accompany dependent minor Children or elderly Traveling Companion to return home. War:  means any declared or undeclared war or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends. Credit cards Choose from two great offers to help you unwind. Your Account must be in good standing at the time of purchase of the Covered Purchase. It is your responsibility to provide this information in order to process the claim. Submission Period:  No later than one hundred-eighty (180) days from the date of Claim Notification. Loss of Use charges for a reasonable period while the Rental Car is being repaired as supported by a class and location specific fleet utilization log. Apply today and benefit from: Buy now and pay in easy monthly instalments with as low as 0% interest with our Flexi Instalment Plan. Complimentary insurance cover is available to HSBC Black credit cardholders, provided that the travel tickets, car rental services or eligible goods have been purchased solely using eligible HSBC Black credit card. Cardholder:  means a person who has an eligible Account and whose name is on the surface (embossed or other) of an eligible Mastercard® Black card provided by an Issuer in the issuing territory. Our contact centres are extremely busy at the moment, please don’t call us unless it’s urgent. Apply from the comfort of your home using online banking. The benefits are available to pay for the cost of airfare and hotel daily room charges incurred up to a maximum of five (5) days. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or        make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. Covered Purchases given as gifts are included. Booking enquiries must be made through the Ministry of Villas Premier page. any motor vehicle: including automobiles, boats and airplanes, and any equipment and/or parts necessary for their operation and/or maintenance; permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tile, air conditioners, refrigerators, or heaters; travelers check(s), cash, tickets of any kind, negotiable instruments, bullion, rare or precious coins or stamps, plants, animals, consumables, perishables and services; furs, jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones); items the Cardholder have rented or leased; used, rebuilt, refurbished, or remanufactured items at the time of purchase; shipping and handling expenses or installation, assembly related costs; items purchase for resale, professional or commercial use; losses that are caused by vermin, insects, termites, mold, wet or dry rot, bacteria or rust; losses due to mechanical failure, electrical failure, software failure, or data failure including, but not limited to any electrical power interruption, surge, brownout or blackout, or telecommunications or satellite systems failure; items damaged due to normal wear and tear, inherent product defect or normal course of play (such as, but not limited to sporting or recreational equipment); items that the Cardholder damaged through alteration (including cutting, sawing, and shaping); items left unattended in a place to which the general public has access; loss due to or related to nuclear, biological or chemical event; cards that are co-branded with traditional or online retailers, distributors, wholesalers, product. Remedy or claim of insurance proceeds and/or damages under or arising out of this coverage. This document is not a Policy, contract, warranty or promise of insurance or other benefit. Rental Period: means up to 60 consecutive days. any intentional act or fraudulent misrepresentation committed by the Insured Person or one of his/her close relatives (spouse or domestic partner, child or parent); damages and/or liabilities to any third parties; damage or Loss to anything other than the money you withdrew from your account; damages and/or liabilities that happened before or after the covered robbery period; bodily injury not resulting in death (does not apply to ATM Robbery - stolen money). If an Insured Person is traveling alone and is hospitalized for more than three (3) days while outside of his/her Home Country, benefits can be provided to bring one (1) immediate family member or friend chosen by the Insured Person to and from the Insured Person's bedside. Expenses for medical supplies and services must be recommended by the attending Physician, or required by the standard regulations of the conveyance transporting the Insured Person. This new platform brings to you to an easy to use self-service journey for an enhanced customer experience. An Emergency Medical Evacuation means (a) a legally licensed Physician certifies that the severity the Insured Person's medical condition warrants immediate transportation from the place where the Insured Person is injured or sick to the nearest hospital where appropriate medical treatment can be obtained; or (b) after being treated at a local hospital, the Insured Person's medical condition warrants transportation to his/her then current place of residence to obtain further medical treatment or to recover; or (c) both (a) and (b) above. The information contained herein is provided solely for general informational purposes. For questions or to contact MasterAssist Black to arrange for Cashless Services please refer to the Mastercard Global Service section in this guide. Once your application is fully approved, your card could be with you within 24 hours. Access handpicked experiences and offers in cities around the world. Reasonable and Additional Expenses: means any expenses for meals and lodging which were necessarily incurred as the result of a covered hazard and which are not provided by the Common Carrier Conveyance or any other party free of charge. use our Mobile Banking app to view your accounts and stay updated on Credit Card offers to never miss out again. Additionally, if the above definition has been met and a change in airfare and/or change in flight and/or a class upgrade occurs, which was made with another means of payment or Rewards Program, it will also be considered a Covered Trip; however the maximum sum insured benefit amount will be based on the eligible class for the original passenger fare purchase and this will be the only benefit amount applicable. The Company and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or        make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose The Company and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. A variable Purchase APR and variable Balance Transfer APR of 13.99% to 23.99%, depending on your creditworthiness, will apply to credit card purchases, balance transfers for the HSBC Cash Rewards Mastercard® credit card Student Account. Because of this, we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. After you have submitted the application, we will begin reviewing your application on the next business day following submission. If there are any discrepancies between this document and the Master Policy(ies) or the applicable Mastercard contract for other benefits, the Master Policy(ies) or the applicable Mastercard contract for other benefits shall govern. If you are unable to access the toll-free number, please call collect 1-212-345-3514. If there are any discrepancies between this document and the Master Policy(ies) or the applicable Mastercard contract for other benefits, the Master Policy(ies) or the applicable Mastercard contract for other benefits shall govern. Sickness:  means illness or disease of any kind contracted and/or commencing during a Covered Trip. Covered Purchases must be purchased entirely with the Mastercard® Black card and/or have been acquired with points earned by a rewards program associated with the Mastercard® Black card. this offer is subject to the terms and conditions of the participating loyalty programmes and the Air Miles programme. Spouse: means the husband or wife or domestic partner of the Cardholder as legislated and/or regulated by the local law and who is living at the same residence as the Cardholder in the Cardholder’s Home Country. In the event of a claim, notice must be provided to the Master Rental Claims Center within 30 days of the date of occurrence. Robbery: unlawful taking away of cash withdrawn from an ATM by force or intimidation, with the intention of permanently depriving the Insured Person of the money. The Hospital confinement must be recommended by a Physician. The selected tickets must be return or one-way trip tickets on British Airways flights originating from United Arab Emirates to the UK, Europe, USA or Canada. This includes full cooperation with the Insurance Company, Plan Administrator(s) and Third Party Claims Administrator who act on behalf of Mastercard for programs or other services offered as benefits to a cardholder; with investigating, evaluating and settling a claim. Hospital:  means a place that: (a) holds a valid license (if required by law); (b) operates primarily for the care and treatment of Sick or injured persons; (c) has a staff of one or more Physicians available at all times; (d) provides 24-hour nursing service and has at least one registered professional nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on premises or in facilities available to the Hospital or a pre-arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or a facility operated as a drug and/or alcohol treatment center. This document is not a Policy, contract, warranty or promise of insurance or other benefit. As an HSBC Black Credit Cardholder you enjoy the highest earn rates compared to other HSBC cards. Sanctions:  AIG (The Company) and/or corresponding Reinsurer, if applicable, will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose AIG (The Company) and/or corresponding Reinsurer, if applicable, its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. Expert assistance services are provided for tracking and locating lost Luggage. Continue to pay your Premier Credit Card until you receive your new HSBC Premier World Elite™ Mastercard®. Vandalism:  means the wanton, reckless and mischievous destruction of any part or all of the Rental Car by parties unknown to the Insured Person in a circumstance that prevents the Insured Person from exercising due diligence with regard to the protection of the Rental Car. No person or entity other than the Cardholder(s) shall have any legal or equitable right. For the purpose of MasterAssist Black, travel from one US territory or province or island to another US territory, province or island is considered a travel outside of the Home Country. Benefits will not exceed that actual amount charged to your Mastercard® Black card or the benefit maximum. To file a claim or for more information on any of these services, please call the specific Mastercard Global Service™ toll-free number for your country, or call direct, or collect to the United States at: “Cardholder”, “you”, and “your” refer to a Mastercard® Black Cardholder, who has an eligible Mastercard® Black Account and whose name is embossed on the surface of the Mastercard® Black Card. HSBC credit cards are renowned world over for their … The maximum benefit is up to USD† 25,000. No person or entity other than the Cardholder(s) shall have any legal or equitable right, remedy or claim of insurance proceeds and/or damages under or arising out of this coverage. This applies to Delayed Luggage on any Covered Trip; domestic or international, even in the Insured Person’s city of permanent residence. Provision of services is subject to availability and applicable legal restrictions. American International Group, Inc. (AIG) or their authorized representative, and not Mastercard or HSBC, is providing the relevant insurance benefits. If a benefit/program is cancelled, cardholders will be notified in advance, as soon as reasonably practical. Cancellation:  Mastercard can cancel these benefits at any time or choose not to renew insurance coverage for all Cardholders. Issuing Territories: means Antigua & Barbuda, Aruba, Barbados, Curaçao, St Kitts & Nevis, St Maarten, Trinidad & Tobago, Virgin Islands U.S., Bahamas, Belize, Bermuda, Cayman Islands, Haiti, Jamaica, Turks & Caicos. The Insured Person must take all reasonable measures to protect, save and/or recover the property. on an eligible Mastercard card. mileage points for travel). Insurance coverage or benefits provided by these programs may cease on the date indicated in the Master Policy in existence between Mastercard International and the Insurance Company; or will be terminated on the date your Mastercard card terminates or ceases to be a Valid Account, whichever occurs first. Submit all required information as outlined above by either: c/o Program Administrator at Sedgwick Claims Management Services, Inc. Where allowable by law, Benefit for loss of life is payable to the beneficiary designated by the Insured Person. Find out more about how we're helping you stay connected. If yes, log in to your Hertz profile and enter CDP 1795034 to upgrade to President's Circle. It is your responsibility to provide this information in order to process the claim. Arbitration:  Any dispute regarding the terms of any Master Policy(ies) of insurance, including any question regarding its existence, validity or termination will be referred to and resolved by arbitration and in accordance with the arbitration rules/regulations of the country where your Mastercard card account has been issued. American Express Centurion Card. If your Luggage is delayed beyond four (4) hours after the actual arrival time at the intended destination, you will be eligible to receive up to USD. Terrorism shall also include any act which is verified or recognized as an act of terrorism by the government where the event occurs. Such Covered Trip shall be deemed to have commenced when the Insured Person begins travel when the Common Carrier Conveyance is scheduled for departure and continues until such time as the Insured Person completes travel, or up to the maximum scope of coverage where applicable. Benefits are not provided for any expenses provided by another party at no cost to the Insured Person or already included in the cost of the trip. HSBC’s other travel card is the HSBC Premier World Elite Mastercard® credit card. Up to 7% discount at more than 180,000 hotels worldwide with Agoda.com. automobiles or automobile equipment, boats, motors, trailers, motorcycles or other conveyances or their appurtenances (except bicycles while checked as Luggage with a Common Carrier Conveyance); jewelry, watches, articles consisting in whole or in part of silver, gold or platinum, furs, articles trimmed with or made mostly of fur. Only the foreign exchange rate will apply. Insured Person(s):  means a Mastercard® Black cardholder or other eligible person(s) who are defined as being eligible under each program’s “Who is Covered” provision in this guide. Gift cards and merchandise: Choose from over 150 premium gift cards and merchandise options . Domestic Partner: means an opposite or a same sex partner who has met all of the following requirements for at least 12 months:  (1) resides with the Insured Person at Insured Person's principal residence; (2) shares financial assets and obligations with the Insured Person; (3) is not related by blood to the Insured Person to a degree of closeness that would prohibit a legal marriage; (4) is at least the age of consent in the state in which they reside; and (5) neither the Insured Person or Domestic Partner is married to anyone else, nor has any other Domestic Partner. Foreign currency transactions are being converted to AED and reflect on your statement at the applicable exchange rate as determined by MasterCard. Box 66, Dubai, UAE regulated by the Central Bank of the UAE for the purpose of this promotion and lead regulated by the Dubai Financial Services Authority. In order to be eligible for coverage cardholder must pay all associated taxes, shipping & handling fees and any other required fees to your eligible Mastercard® Black Card and/or with reward points associated to your Mastercard® Black Card. The effective time for any Cancellation referenced in this section shall be 12:01 a.m., Eastern Standard Time. What's more, HSBC Black Credit Cardholders enjoy exclusive complimentary access to the Fine Dining and Cheers Dubai and Abu Dhabi 'Buy 1 Get 1 Free' offers. Rewards programs where points are not generated by “plastic”/card transactions, or not associated with Mastercard at all, are not considered eligible Rewards Programs. All HSBC offices will be closing at 3:00pm on Tuesday, 26 January 2021. Good Standing: means an Account that is current in its dues and payments and follows all other requirements from the Issuer. Your APRs may increase to the variable Penalty APR of 29.99% if you fail to … Please take the time to check the following: To apply for a HSBC Premier Mastercard® Black, you must hold a HSBC Premier account. Complete provisions pertaining to these plans of insurance are contained in the Master Policy(ies) on file with the Plan Administrator, Affinity Insurance Services, Inc, on behalf of Mastercard Worldwide, Latin America and Caribbean Region in Purchase, New York, USA. Add your HSBC credit card to an Apple Pay, Google Pay or Samsung Pay device to enjoy payment in a fast and easy way. any obligation the Insured Person assumes under any agreement, other than the deductible obligation under the Insured Person's personal automobile insurance Policy; the rental of a vehicle which does not meet the definition of a "Rental Car", as defined herein; any collision that occurs while the eligible Insured Person is in violation of the Rental Agreement; any loss covered by any collision damage insurance (full or partial) or collision damage waiver (CDW) or loss damage waiver (LDW) purchased through the Rental Company; rentals made on a monthly basis unless the eligible Insured Person returns to the place from which the Rental Car Agreement was issued and applies for a new contract; wear and tear, freezing, mechanical breakdown unless caused by other loss covered by this program; injury to anyone or damage to anything inside or outside the Rental Car; loss or theft of personal belongings and/or any items lost or stolen: from, in, on, around or outside of the Rental Car, including parts of the Rental Car (i.e. A copy of the Police Report, which must be filed within 36 hours of the ATM Robbery or Assault; Documentation detailing the event, injury or death, including newspaper articles, certified copies of: medical evidence reports, attending physician statements, coroner reports and death certificate; Transaction verification confirming the ATM transaction (receipt or bank record) indicating the time of withdrawal and amount. 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