Did the HSBC Live+ used to include travel insurance?

Yes, but it was narrow. Before 1 April 2025, the HSBC Live+ carried a travel accident policy: a lump sum of up to about S$1,000,000 for accidental death or permanent disablement while travelling, paid only when you charged your travel fare to the card. That was the whole benefit. It never paid for overseas hospital treatment, it never refunded a cancelled trip, and it did not cover delayed flights or lost bags. Many cardholders assumed complimentary travel insurance meant real medical and cancellation cover, and it did not. So even in its best days the Live+ cover was a personal accident certificate, and since 1 April 2025 there is no complimentary insurance on the card at all.

What travel protection does the HSBC Live+ offer now?

None. As of 2026 the HSBC Live+ carries no complimentary travel insurance of any kind. There is no overseas emergency medical benefit, no medical evacuation, no trip cancellation, no travel delay, no baggage cover and no personal accident sum. The card is a cashback card, and its perks now sit around cashback on dining, groceries and everyday spending rather than insurance. If you want your flights, hotels and health protected on a trip, that has to come from a separate travel insurance policy. Reading the card as a source of any travel cover will leave you exposed the moment something goes wrong overseas.

Do I need separate travel insurance with the HSBC Live+?

Yes. Because the HSBC Live+ no longer includes any complimentary travel cover, a standalone travel insurance policy is the only way to protect a trip. The gap it fills is real: MediShield Life, Singapore's national health insurance, does not cover you outside Singapore, and a serious hospital admission in the US or Europe can pass S$100,000, none of which the card pays. A standalone Singapore policy starts at around S$20 for a single trip and typically covers overseas medical, emergency evacuation, trip cancellation, delays and lost baggage, and most plans include COVID-19 medical cover too. Buy the policy before you fly, since cover for a trip already under way is limited or unavailable.

Does the HSBC Live+ cover COVID-19 overseas?

No. The HSBC Live+ does not cover COVID-19 overseas, because it no longer carries any complimentary travel insurance after HSBC removed the accident cover on 1 April 2025. If you catch COVID-19 abroad and need a doctor, a hospital stay or an earlier flight home, the card pays nothing toward any of it. Even the old policy was accident-only and would not have covered an illness like COVID-19. For that protection you need a standalone travel insurance policy, and most Singapore travel plans now include COVID-19 medical treatment and sometimes trip cancellation if you test positive before departure. Check the specific plan wording, since COVID-19 terms vary between insurers.

Does the HSBC Live+ include mobile phone insurance?

No. The HSBC Live+ does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is entirely on you, and replacing a flagship smartphone out of pocket runs about S$1,200 to S$2,300. Mobile phone cover is uncommon on Singapore credit cards and is usually tied to specific premium cards or telco plans, not to a cashback card like the Live+. For device protection you would need a separate gadget or mobile insurance policy, or a card that names phone cover as a benefit. Do not count on the Live+ for anything beyond its cashback rewards.

Is the HSBC Live+ enough for an overseas trip?

Not on its own. The HSBC Live+ is useful for earning cashback on the dining, groceries and everyday spending you charge to it, but it gives no travel insurance, so it does not make you ready for a trip by itself. If you fall ill, get injured, have to cancel, or lose your luggage, the card offers nothing toward the cost. Pair it with a standalone travel insurance policy and the picture changes: the card earns the cashback, and the policy covers the overseas medical, cancellation and baggage risks from about S$20 a trip. Used that way the Live+ is a solid everyday card, just not a substitute for travel cover.

HSBC Live+ card benefits: does the complimentary travel insurance still cover you?

HSBC·SGD 196/year·Visa

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated September 3, 20268 min read

0,0/5Independent review · verified September 2026

Travel Insurance

0,0

Protection

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Our Verdict · Travel Insurance

Our take on travel insurance for the HSBC Live+

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

HSBC removed the Live+ card's complimentary travel accident cover on 1 April 2025, so the card now includes no travel insurance at all. Even before that date, the cover was accident-only: a lump sum for accidental death or permanent disablement, never real medical or trip cancellation cover. A holiday you cancel for a family emergency was never refundable through the card, and it still is not. A serious hospital admission overseas can pass S$100,000, and MediShield Life, Singapore's national health insurance, does not cover you outside Singapore, so a bad fall in Bali or a stroke in Tokyo lands entirely on you. The Live+ is a cashback card, and HSBC's travel cover now sits on other HSBC cards such as the TravelOne and Visa Infinite, not on this one. A standalone Singapore travel policy fills the gap from about S$20 for a single trip, covering overseas medical, cancellation and lost bags. Treat the Live+ as a cashback and payment card now, and buy travel cover separately before you fly.

Where travel breaks down

HSBC removed the Live+ card's complimentary travel accident cover on 1 April 2025, so the card now carries no travel insurance
Even under the old policy, only accidental death and permanent disablement were paid, with no overseas medical or trip cancellation cover
No overseas medical, no trip cancellation and no baggage cover means a standalone travel policy is needed for any real protection

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 14 guarantees

What does HSBC Live+ Travel Insurance actually cover?

No personal accident benefit. This benefit is not included with this card. Accidental death and permanent disablement while travelling pay nothing from this card. A standalone travel or personal accident policy is required for this cover.

What's not covered

Personal accident is not a benefit of this card

No overseas emergency medical cover. This benefit is not included with this card. All medical costs overseas are the cardholder's responsibility. MediShield Life does not cover you outside Singapore, and a serious hospital admission in the US or Europe can run S$100,000 or more.

What's not covered

Overseas medical treatment is not a benefit of this card
Pre-existing conditions and pregnancy excluded

No emergency evacuation cover. This benefit is not included with this card. Emergency evacuation costs are entirely the cardholder's responsibility. An air ambulance from Bali or Bangkok back to Singapore runs S$50,000 to S$120,000.

What's not covered

Emergency medical evacuation is not a benefit of this card

No overseas emergency dental cover. This benefit is not included with this card. Emergency dental treatment overseas is out of pocket.

What's not covered

Overseas emergency dental is not a benefit of this card

No hospital cash allowance. This benefit is not included with this card. There is no daily cash payment while you are hospitalised overseas.

What's not covered

Overseas hospital daily cash is not a benefit of this card

No trip cancellation. This benefit is not included with this card. Prepaid flights, hotels, and tours are not reimbursable if you cancel. A standalone travel insurance policy is required for this coverage.

What's not covered

Trip cancellation is not a benefit of this card

No trip curtailment cover. This benefit is not included with this card. The cost to fly home early after a family emergency and resume a trip is out of pocket.

What's not covered

Trip curtailment is not a benefit of this card

No travel disruption cover. This benefit is not included with this card. Extra accommodation and transport from a trip disruption are the cardholder's responsibility.

What's not covered

Travel disruption is not a benefit of this card

No travel delay cover. This benefit is not included with this card. Meals, accommodation, and transport during a delay are the cardholder's responsibility.

What's not covered

Travel delay is not a benefit of this card

No missed connection cover. This benefit is not included with this card. The cost of alternative transport after a missed connection is out of pocket.

What's not covered

Missed connection is not a benefit of this card

No baggage cover. This benefit is not included with this card. Replacement costs for lost or stolen bags are the cardholder's responsibility.

What's not covered

Baggage loss is not a benefit of this card

No baggage delay cover. This benefit is not included with this card. Purchases of essential items during a bag delay are out of pocket.

What's not covered

Baggage delay is not a benefit of this card

No travel documents cover. This benefit is not included with this card. The cost to replace a lost passport or reclaim fraudulent card use overseas is out of pocket.

What's not covered

Loss of travel documents is not a benefit of this card

No personal liability cover. This benefit is not included with this card. Legal liability for injury to others or property damage overseas is uninsured, and claims commonly reach hundreds of thousands of dollars.

What's not covered

Personal liability overseas is not a benefit of this card

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

Report an error Send updated PDF

Coverage Radar

Where the HSBC Live+ wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Accidental death: not covered by this card

Medical fees abroad: not covered by this card

Medical repatriation: not covered by this card

Compare

Live+This card0.0/5?

SGD 196/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

SGD 215 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the HSBC Live+ stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Live+ shoppers also consider.

Card	This card Live+ HSBC · SGD 196/yr 0.0/5?	TravelOne HSBC · SGD 196/yr 1.7/5?	Metal Revolut · SGD 264/yr 1.6/5?	ULTIMA Citibank · SGD 4,199/yr 2.9/5?
Trip cancellation Per person, per trip cap	Not covered Cover this gap →	S$1,500 per person Capped S$1,500	Not covered	S$10,125 per person Up to S$10,125
Emergency medical Hospital bills abroad	Not covered Cover this gap →	S$150,000 Capped S$150,000	S$200,000 S$200,000 medical	S$675,000 S$675,000 overseas medical
Emergency evacuation Air ambulance + repatriation	Not covered Cover this gap →	S$1,000,000 Up to S$1,000,000	Actual cost Up to actual cost	S$675,000 S$675,000 evacuation
Trip delay trigger Hours before benefits kick in	Not covered Cover this gap →	8h / S$150 Trigger: 8 hours	Not covered	4h / S$675 Trigger: 4 hours
Trip interruption Covered amount	Not covered Cover this gap →	Not covered	Not covered	Not covered

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the HSBC Live+

Cardholder experience with the card 2 reviews

Benjamin Choo (Seedly)

Cashback is king

Cashback is king so is this card! Up to 8% cash back on dining, entertainment, and shopping Up to 5% cash back at Caltex and Shell stations 0.3% cash back on other purchases

Tienny Zheng (Seedly)

Wondering whether to apply

Notice to wonder whether it will be good to apply for this card. Hope they have the fee waivers.

What to do if you need travel cover with the HSBC Live+

Step 1: Buy a standalone travel policy before you fly

Because the card includes no travel insurance, arrange a standalone Singapore travel policy that states its overseas medical, cancellation and baggage limits in writing. Cover starts from around S$20 for a single trip.

Step 2: Keep your policy and emergency number with you

Save your travel insurer's 24-hour emergency assistance number and policy number on your phone, and keep receipts, medical reports and any police or airline reports to support a claim.

Step 3: Escalate to FIDReC for a card-issuer dispute

For a dispute with the card issuer itself, not travel insurance, you can approach FIDReC, the Financial Industry Disputes Resolution Centre, free of charge within 6 months of the issuer's final reply.

No. HSBC removed the Live+ card's complimentary travel accident cover on 1 April 2025, so the card no longer includes any travel insurance. Holding the card, or charging your air fare to it, buys you nothing in the way of overseas medical, trip cancellation, delay or baggage protection. The Live+ is a cashback card, and HSBC's travel cover now sits on other HSBC cards such as the TravelOne and the Visa Infinite. If you booked a trip expecting card cover, you are travelling uninsured unless you arrange a standalone policy. A single-trip Singapore travel plan starts at about S$20 and covers the medical and cancellation costs the card never included anyway.
Yes, but it was narrow. Before 1 April 2025, the HSBC Live+ carried a travel accident policy: a lump sum of up to about S$1,000,000 for accidental death or permanent disablement while travelling, paid only when you charged your travel fare to the card. That was the whole benefit. It never paid for overseas hospital treatment, it never refunded a cancelled trip, and it did not cover delayed flights or lost bags. Many cardholders assumed complimentary travel insurance meant real medical and cancellation cover, and it did not. So even in its best days the Live+ cover was a personal accident certificate, and since 1 April 2025 there is no complimentary insurance on the card at all.
None. As of 2026 the HSBC Live+ carries no complimentary travel insurance of any kind. There is no overseas emergency medical benefit, no medical evacuation, no trip cancellation, no travel delay, no baggage cover and no personal accident sum. The card is a cashback card, and its perks now sit around cashback on dining, groceries and everyday spending rather than insurance. If you want your flights, hotels and health protected on a trip, that has to come from a separate travel insurance policy. Reading the card as a source of any travel cover will leave you exposed the moment something goes wrong overseas.
Yes. Because the HSBC Live+ no longer includes any complimentary travel cover, a standalone travel insurance policy is the only way to protect a trip. The gap it fills is real: MediShield Life, Singapore's national health insurance, does not cover you outside Singapore, and a serious hospital admission in the US or Europe can pass S$100,000, none of which the card pays. A standalone Singapore policy starts at around S$20 for a single trip and typically covers overseas medical, emergency evacuation, trip cancellation, delays and lost baggage, and most plans include COVID-19 medical cover too. Buy the policy before you fly, since cover for a trip already under way is limited or unavailable.
No. The HSBC Live+ does not cover COVID-19 overseas, because it no longer carries any complimentary travel insurance after HSBC removed the accident cover on 1 April 2025. If you catch COVID-19 abroad and need a doctor, a hospital stay or an earlier flight home, the card pays nothing toward any of it. Even the old policy was accident-only and would not have covered an illness like COVID-19. For that protection you need a standalone travel insurance policy, and most Singapore travel plans now include COVID-19 medical treatment and sometimes trip cancellation if you test positive before departure. Check the specific plan wording, since COVID-19 terms vary between insurers.
No. The HSBC Live+ does not include mobile phone insurance, and it carries no purchase protection or extended warranty either. If your phone screen cracks or the handset is stolen, the repair or replacement is entirely on you, and replacing a flagship smartphone out of pocket runs about S$1,200 to S$2,300. Mobile phone cover is uncommon on Singapore credit cards and is usually tied to specific premium cards or telco plans, not to a cashback card like the Live+. For device protection you would need a separate gadget or mobile insurance policy, or a card that names phone cover as a benefit. Do not count on the Live+ for anything beyond its cashback rewards.
Not on its own. The HSBC Live+ is useful for earning cashback on the dining, groceries and everyday spending you charge to it, but it gives no travel insurance, so it does not make you ready for a trip by itself. If you fall ill, get injured, have to cancel, or lose your luggage, the card offers nothing toward the cost. Pair it with a standalone travel insurance policy and the picture changes: the card earns the cashback, and the policy covers the overseas medical, cancellation and baggage risks from about S$20 a trip. Used that way the Live+ is a solid everyday card, just not a substitute for travel cover.