An accident on a scheduled flight, train or ferry that results in death or permanent disablement pays a lump sum. Personal accident, meaning accidental death and total and permanent disablement, is set at S$1,000,000 per cardholder when the accident happens while travelling on a public conveyance, a licensed bus, ferry, ship, train or aircraft running fixed, published routes. An adult family member is covered for S$500,000 and a child for S$40,000. Away from a public conveyance, a general land accident is covered for S$100,000 up to age 70.
What does the HSBC Visa Infinite card travel insurance actually cover?
HSBC·$662/year·Visa Infinite·MSIG
2,3/5Independent review · verified October 2026
2,7
0,0
Our Verdict · Travel Insurance
Our take on travel insurance for the HSBC Visa Infinite
Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews
The HSBC Visa Infinite carries one of the stronger complimentary card travel policies in Singapore, underwritten by MSIG. It pairs a S$1,000,000 personal accident sum, meaning a lump sum for accidental death or permanent disablement on a scheduled flight or public transport, with S$100,000 of overseas medical expenses, which is real cover for an accident or sudden illness abroad, the kind of bill MediShield Life will not touch outside Singapore. It also arranges emergency medical evacuation and repatriation up to S$250,000, with trip cancellation up to S$4,000, trip curtailment up to S$5,000, baggage cover and S$100,000 of personal liability. The gaps are honest ones: COVID-19 is excluded across the whole policy, the travel delay benefit only starts after a full 8 hours, and the baggage, cancellation and missed-connection caps sit well below a standalone plan. For a very high-cost claim, a serious US hospital admission past S$100,000 or a large prepaid cancellation, the HSBC Visa Infinite travel insurance is a strong base layer rather than a full replacement for a standalone policy. Cover activates automatically once the full travel fare is charged to the card, and runs up to 61 days per round trip.
What works on travel
- S$100,000 overseas medical expenses for an accident or sudden illness abroad, real treatment cover that MediShield Life does not provide overseas
- Emergency medical evacuation and repatriation up to S$250,000 per family, arranged by MSIG's 24-hour assistance line, including sending mortal remains home
- S$1,000,000 personal accident sum on a public conveyance, one of the highest complimentary card sums in Singapore, with S$500,000 for an adult family member
- Trip cancellation up to S$4,000 per person and trip curtailment up to S$5,000, plus baggage and S$100,000 personal liability cover
Where travel breaks down
- COVID-19 is excluded across the whole policy, so a coronavirus hospital stay, cancellation or quarantine pays nothing
- The annual fee is S$662 including GST and is strictly not waivable, charged from the issue date whatever you spend
- Travel delay only triggers after a full 8 hours, and the baggage, cancellation and missed-connection caps are modest next to a standalone plan
- Overseas medical is capped at S$100,000, so a very high-cost admission in the US or Europe can still leave a shortfall
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 Visa Infinite Travel Insurance actually cover?
The S$1,000,000 figure is the accident sum, not a medical limit. It pays for death or permanent disablement, not a hospital bill. The maximum aggregate across personal accident is S$2,750,000 per family per trip.
What's covered
- S$1,000,000 for the cardholder on death or permanent disablement from an accident on a public conveyance
- S$500,000 for an adult family member and S$40,000 for a child on the same basis
- S$100,000 general land accident cover up to age 70 (S$15,000 for a child)
What's not covered
- Pre-existing medical conditions and illness (this is an accident benefit, not a medical one)
- COVID-19 and pandemic-related events, war, terrorism, nuclear and chemical events
- Extreme sports, self-inflicted injury and criminal acts
COVID-19 is excluded from this cover. MediShield Life does not pay for treatment outside Singapore, so without this benefit an overseas admission is fully out of pocket. Follow-up treatment back in Singapore is covered separately up to S$10,000, and an overseas hospital stay adds a daily cash allowance.
Break an ankle on a hike in Japan or catch a serious infection in Bali and need hospital treatment, and the card reimburses the overseas medical bill up to S$100,000. Overseas medical expenses cover an accident or a sudden illness abroad, including dental treatment needed because of an accident, with a S$300 per trip sub-limit for treatment by a Chinese physician, a licensed practitioner of traditional Chinese medicine, or a chiropractor. One gap matters: COVID-19 is excluded, so a coronavirus admission pays nothing.
Recommended : $1,000,000
What's covered
- Overseas medical expenses for an accident or sudden illness up to S$100,000
- Dental treatment needed because of an accident
- Expenses incurred overseas within 30 days of the injury or illness
What's not covered
- COVID-19 and pandemic-related treatment
- Pre-existing medical conditions and pregnancy
- Treatment that can reasonably wait until return to Singapore
The card also pays up to S$1,000 each toward an overseas hospital visit by a relative, childcare travel costs to bring a child home, and a special grant on death from illness abroad. These sit alongside the evacuation cover.
Suffer a serious injury somewhere without the right hospital and you need an air ambulance, not a taxi. Emergency medical evacuation and repatriation is covered up to S$250,000 per family, arranged through MSIG's 24-hour assistance line. It moves you to the nearest suitable hospital, flies you back to Singapore when medically necessary, and pays to send mortal remains home if the worst happens.
What's covered
- Emergency medical evacuation to the nearest suitable hospital
- Repatriation to Singapore by scheduled flight when medically necessary
- Sending home mortal remains from overseas
What's not covered
- Expenses for services MSIG has not arranged or approved
- Pre-existing medical conditions
- COVID-19 and pandemic-related events
No standalone overseas emergency dental benefit. Dental treatment is only covered when it is needed because of an accident, paid from the S$100,000 overseas medical benefit, not as separate cover. Routine or pain-driven dental treatment abroad is out of pocket.
What's not covered
- Overseas emergency dental is not a standalone benefit of this card; only accident-related dental is covered, within the overseas medical limit
Land in an overseas hospital bed and the daily cash benefit softens the incidental costs. Overseas hospitalisation allowance pays S$200 for each continuous 24-hour period of confinement abroad, up to S$5,000 per family. It is paid after the confinement ends, on top of the overseas medical expenses benefit.
What's covered
- S$200 for each continuous 24-hour period of overseas hospital confinement
- Up to S$5,000 per family
- Paid on top of the overseas medical expenses benefit
What's not covered
- COVID-19 and pandemic-related confinement
- Pre-existing medical conditions
- Confinement not medically necessary
COVID-19 cancellation is not covered. The policy pays under only one of trip cancellation, replacement of traveller or trip postponement for the same event.
A parent is admitted to hospital days before you fly and you have to call off the trip, and this benefit returns your prepaid costs. Trip cancellation reimburses non-refundable travel and accommodation up to S$4,000 per insured person, up to S$10,000 per family, when the trip is cancelled within 30 days of departure because you or a travelling family member dies, is seriously injured or seriously ill. Two limits sting: COVID-19 is excluded, and the covered reasons are narrow, centred on death, serious injury and serious illness.
Recommended : $5,000
What's covered
- Prepaid non-refundable travel and accommodation up to S$4,000 per insured person
- Up to S$10,000 per family
- Covered reasons are death, serious injury or serious illness of you or a travelling family member
What's not covered
- COVID-19 and pandemic-related cancellation
- Pre-existing medical conditions
- The portion of the trip redeemed on air miles or reward points
Get news of a family death mid-trip and fly home early, and trip curtailment covers the unused, non-refundable portion. It pays up to S$5,000 per family for covered reasons, including serious injury or illness of you or a family member, a natural disaster, a hijacking or an unexpected strike or riot that forces you to cut the trip short. It also covers the extra economy travel needed to continue or resume the trip on a doctor's written advice.
Recommended : $12,000
What's covered
- Unused, non-refundable travel and accommodation, pro-rated for each complete unused day
- Additional economy travel and accommodation to continue or resume the trip on medical advice
- Covered reasons include serious injury, illness, death, natural disaster, hijacking, strike or riot
What's not covered
- COVID-19 and pandemic-related curtailment
- Pre-existing medical conditions
- Business, financial or contractual obligations, or disinclination to travel
No general travel disruption benefit. This card does not pay open-ended extra accommodation and transport for a disrupted trip. Specific events are handled elsewhere: travel delay pays cash after 8 hours, a missed connection pays a hotel and meals, and curtailment covers cutting a trip short. A travel-provider insolvency or a broad disruption outside those triggers is out of pocket.
What's not covered
- A general travel disruption or additional-expenses benefit is not part of this card
The 8-hour trigger is high compared with cards that pay from 4 or 6 hours, though the S$1,000 family cap is one of the higher delay limits among complimentary card policies.
Your flight home sits on the tarmac for nine hours after a mechanical fault and the card pays a cash sum. Travel delay pays S$100 for each full 8 hours of delay, up to S$1,000 per family, when a strike, bad weather that closes the airspace or airport, or a breakdown of the public conveyance, meaning a scheduled flight, ferry or train, holds you up outside Singapore. The total cap is generous for a card, but the 8-hour trigger is high, so a shorter delay pays nothing.
What's covered
- S$100 for each full 8 hours of delay
- Up to S$1,000 per family
- Delay caused by strike, adverse weather that closes the airport, or mechanical breakdown
What's not covered
- Delays on the outbound leg from Singapore
- Delays known before departure or strikes that existed when the trip was booked
- The policy pays under only one of travel delay or travel diversion for the same event
A separate travel diversion benefit pays S$100 for every 6 hours a public conveyance is diverted, up to S$500 per family.
Your inbound leg lands late, you miss the connecting flight, and no onward transport appears within four hours, so the card covers a room and meals up to S$400 per insured person, up to S$800 per family. Missed flight connection reimburses accommodation, meals and refreshments at the overseas connecting point. Keep the receipts, because it is a reimbursement, and you need a confirmed reservation on the connecting service.
What's covered
- Accommodation, meals and refreshments at the overseas connecting point
- Up to S$400 per insured person, up to S$800 per family
- Applies when no alternative transport is available within 4 hours
What's not covered
- Amounts already compensated by the carrier
- Missed connections where alternative transport was available within 4 hours
- Full travel fare not charged to the card
An airline loses your checked bag for good and you replace what was inside, and loss of luggage reimburses up to S$1,000 per insured person, up to S$5,000 per family. A S$50 per-item sub-limit applies, so one expensive item is capped low even though the overall figure looks larger. Luggage is treated as permanently lost after a 48-hour delay.
Recommended : $3,000
What's covered
- Replacement of essential items in check-in luggage deemed permanently lost
- Up to S$1,000 per insured person, up to S$5,000 per family
- Applies after a check-in luggage delay of more than 48 hours
What's not covered
- S$50 maximum per item
- Amounts already compensated by the carrier
- Only one of luggage delay or loss of luggage pays for the same event
Your checked bag does not arrive and you buy fresh clothes and toiletries to get by, and luggage delay reimburses those essentials. It pays when checked luggage is delayed more than 6 hours at your overseas destination, up to S$500 per insured person, up to S$1,000 per family, with a S$50 cap per essential item. Keep every receipt, since purchases in the first 6 hours are not covered.
What's covered
- Essential items bought during a check-in luggage delay of more than 6 hours
- Up to S$500 per insured person, up to S$1,000 per family
- Applies at the scheduled overseas destination
What's not covered
- S$50 maximum per essential item
- Luggage delayed in your home country or Singapore
- Only one of luggage delay or loss of luggage pays for the same event
Your passport is stolen from a bag in Rome and you have to replace it, and loss of travel documents covers the cost. It reimburses replacing a lost passport, visa or travel ticket, plus the extra travel and accommodation needed to sort it out, up to S$200 per insured person, up to S$400 per family. The loss must follow robbery, burglary, theft or a natural disaster and be reported to the police within 24 hours.
What's covered
- Cost of replacing a lost passport, visa or travel ticket
- Extra travel and accommodation needed to obtain replacements
- Up to S$200 per insured person, up to S$400 per family
What's not covered
- Loss and replacement of credit cards, identity cards, passes and driving licences
- Losses not reported to the police within 24 hours
- Cash and money are not covered
Knock someone over on a ski slope or damage a rental apartment and get a legal claim, and personal liability covers what you are legally liable to pay. Personal liability indemnifies you up to S$100,000 per family for accidental injury to a third party or accidental damage to their property while travelling overseas. Judgments must be delivered by a Singapore court, and liability to your own family and relatives is not covered.
Recommended : $1,000,000
What's covered
- Legal liability for accidental injury to a third party overseas
- Legal liability for accidental damage to a third party's property
- Up to S$100,000 per family, plus agreed legal costs
What's not covered
- Liability to your own family members and relatives
- Property in your care, custody or control, and any vehicle, aircraft or watercraft
- Business or professional activities, and wilful or unlawful acts
Policy document
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
Coverage Radar
Where the HSBC Visa Infinite wins, where it loses
Coverage snapshot for this tab — click any layer to highlight its scores.
Accidental death: well above the market average
Medical repatriation: well above the market average
Trip cancellation: above the market average
Medical fees abroad: not covered by this card
Overseas emergency dental: not covered by this card
Compare
Visa InfiniteThis card2.3/5?
$662/yrWith travel insuranceIdeal
Complete coverage · 5.0 / 5Premium card avg.
$210 avg. annual feeClick a layer to highlight its scores on the radar.
Side-by-side comparison
How the HSBC Visa Infinite stacks up against the alternatives
Same 5 coverage dimensions, ranked head-to-head against the cards most Visa Infinite shoppers also consider.
| Card | This card Visa Infinite HSBC · $662/yr 2.3/5? | TravelOne HSBC · $196/yr 1.7/5? | Prestige Citibank · $652/yr 2.9/5? | Centurion American Express · $7,500/yr 4.2/5? |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | S$4,000 per person S$4,000 per person | S$1,500 per person Capped S$1,500 | S$10,125 per person Up to S$10,125 | S$20,000 S$20,000 prepaid costs |
Emergency medical Hospital bills abroad | S$100,000 Capped S$100,000 | S$150,000 Capped S$150,000 | S$675,000 S$675,000 overseas medical | Chubb arranges and pays No stated medical sub-limit |
Emergency evacuation Air ambulance + repatriation | S$250,000 Up to S$250,000 | S$1,000,000 Up to S$1,000,000 | S$675,000 S$675,000 evacuation | Arranged and paid by Chubb Evacuation + repatriation |
Trip delay trigger Hours before benefits kick in | 8h / up to S$1,000 Trigger: 8 hours | 8h / S$150 Trigger: 8 hours | 4h / S$675 Trigger: 4 hours | 4h / up to S$900 Trigger: 4 hours |
Trip interruption Covered amount | Not covered Cover this gap → | Not covered | Not covered | S$300/person S$300 per person |
StrongLimited / misleadingNot covered
Data verified against each card's Guide to Benefits, May 2026.
Cardholder reviews
What cardholders say about the HSBC Visa Infinite
Cardholder experience with the card 3 reviews
TU
Thumbs Up Finance (Seedly)
Lots of great perks
Lots of great perks. Like airport lounge access, automatic travel insurance, and concierge service.
CW
Chris Wong (Seedly)
Priority Pass worth the fee
The unlimited priority pass for both the principal and supplementary cardholder(s) makes this card worth the fee alone
CY
Choon Yuan Chan (Seedly)
So-so for air miles
So-so card for air miles. However HSBC cards have one good benefit in which they are able to purchase discounted Golden Village movie tickets
Emergency · Card assistance line
How to contact HSBC Visa Infinite assistance?
Who to contact while travelling, and how to claim on the complimentary MSIG cover.
MSIG claims (Singapore)
+65 6827 7663
Email banca_hs@sg.msig-asia.com · Office hours
MSIG Assist 24-hour hotline
(65) 6323 8288
Identify yourself by full name and master policy number 300998691 TVL · 24/7
Benefit administrator: MSIG Insurance (Singapore) for HSBC
Claims & pre-authorizations
How to make a HSBC Visa Infinite travel insurance claim
1
Step 1: Notify MSIG as soon as possible
Start your claim with MSIG within the notice period in the certificate, commonly 30 days of the incident. Only expenses charged to the HSBC Visa Infinite can be reimbursed where the benefit requires the fare to be charged to the card.
2
Step 2: Gather the proof MSIG needs
Keep the card statement showing the fare was charged, your boarding passes, and for a medical claim the doctor's report and receipts. For delayed or lost baggage, get a Property Irregularity Report from the airline before leaving the airport; for theft, file a police report within 24 hours.
3
Step 3: Escalate to FIDReC if a fair claim is denied
If MSIG rejects a claim you believe is valid, escalate free of charge to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the insurer's final reply. FIDReC independently mediates disputes between consumers and financial institutions in Singapore.
FAQ
What people ask about the HSBC Visa Infinite
- Yes. The card reimburses overseas medical expenses up to S$100,000 per insured person for an accident or a sudden illness that happens abroad, including dental treatment needed because of an accident. This is real treatment cover, not just an accident payout. Treatment by a Chinese physician, a licensed practitioner of traditional Chinese medicine, or a chiropractor is capped at S$300 per trip, and expenses must be incurred overseas within 30 days of the injury or illness. Follow-up treatment back in Singapore is covered separately up to S$10,000. This benefit matters because MediShield Life does not pay for treatment outside Singapore, so without it a serious hospital stay in the US or Europe, which can run past S$100,000, would be entirely your bill. COVID-19 is the one exclusion to note.
- Yes. Emergency medical evacuation and repatriation is covered up to S$250,000 per family, arranged through MSIG's 24-hour assistance line on (65) 6323 8288. If you suffer a serious injury or illness somewhere without suitable care, MSIG organises transport to the nearest appropriate hospital, and flies you back to Singapore when it is medically necessary. If the worst happens, it also pays to send mortal remains home. The key condition is to call MSIG Assist before arranging any transport yourself, because the benefit only pays for services MSIG has arranged or approved. Have your full name and master policy number 300998691 TVL ready when you call.
- Personal accident, meaning accidental death and total and permanent disablement, is set at S$1,000,000 per cardholder when the accident happens on a public conveyance, a licensed bus, ferry, ship, train or aircraft running fixed, published routes. An adult family member is covered for S$500,000 and a child for S$40,000, and there is a separate S$100,000 general land accident sum up to age 70. It is a lump sum paid on death or permanent disablement from an accident while travelling overseas, with death claims payable when death occurs within 180 days. Remember this is an accident sum, not a medical limit: if you are hospitalised for an illness, the benefits that apply are the S$100,000 overseas medical and the S$250,000 evacuation cover. The maximum aggregate is S$2,750,000 per family per trip.
- No. COVID-19 is excluded across the whole policy. The benefit table states that cover applies only to events not connected with COVID-19, and a separate general exclusion rules out any loss arising from coronavirus, a pandemic or an epidemic. In practice that means a COVID hospital stay overseas, a COVID-related trip cancellation and a COVID quarantine all pay nothing from this card, even though the medical, evacuation and cancellation benefits exist for other causes. This position is card-specific, so do not assume it matches another card you hold. If COVID cover matters to you, a standalone Singapore travel policy usually includes coronavirus medical and cancellation from around S$20 a trip.
- There is no form and no registration. The cover switches on automatically when you charge the full travel fare, meaning the full air or public-conveyance fare, to the HSBC Visa Infinite card before you fly. If you redeem a ticket on miles, the taxes and surcharges must be charged to the card for the trip to qualify. Holding the card alone is not enough, and a booking where the fare never touched the card leaves you uninsured. Cover runs for a round trip of up to 61 days from the day you leave Singapore, or 4 days for a one-way trip. Keep the card statement that shows the fare was charged, because it is the proof MSIG asks for at claim time.
- Cover extends to the cardholder and, when they travel on the same trip, family members whose full travel fare was also charged to the card. Family members means the cardholder's legal spouse, parents or parents-in-law, siblings and legitimate children. Each insured person has their own cover, so the cardholder's S$1,000,000 public-conveyance accident sum sits alongside S$500,000 for an adult family member and S$40,000 for a child. The key condition is the fare: a spouse or child is only insured on a trip where their full fare was charged to the HSBC Visa Infinite and the journey starts from Singapore. Because the benefit turns on how the trip was paid, check the covered-persons definition in the policy wording before you assume everyone travelling with you is insured.
- Claims are handled by MSIG Insurance (Singapore), the underwriter. For a medical emergency or evacuation overseas, call MSIG Assist on (65) 6323 8288 before arranging transport, with your full name and master policy number 300998691 TVL ready. For lost or stolen property or documents, file a police or carrier report within 24 hours. Then give MSIG written notice within 30 working days of completing the trip, on +65 6827 7663 or banca_hs@sg.msig-asia.com, and submit the claim form with itemised bills, boarding passes, the e-ticket and the card statement showing the fare was charged. If MSIG denies a claim you believe is fair, you can escalate free to FIDReC, the Financial Industry Disputes Resolution Centre, within 6 months of the final reply.
- The cover runs up to 61 days from the day you leave Singapore for a two-way, round trip, and up to 4 days for a one-way trip. A journey longer than that is not fully insured, since cover ceases on the 61st day of a return trip even if you are still away. The policy also ends cover 3 hours after you arrive back in Singapore, or when you return to your home country permanently. If you are planning a longer stay, a working holiday or a one-way move, this card's complimentary cover is not built for it, and a standalone long-stay or annual travel policy is the safer choice.
- Yes, with modest caps. Loss of luggage reimburses up to S$1,000 per insured person, up to S$5,000 per family, once a checked bag is delayed more than 48 hours and treated as permanently lost, with a S$50 cap per item. Luggage delay pays up to S$500 per insured person for essential items bought when a checked bag is delayed more than 6 hours at your destination, again with a S$50 per-item cap. Only one of the two pays for the same event, purchases in the first 6 hours are not covered, and you must keep receipts and get written confirmation of the delay from the carrier. Loss of travel documents such as a passport is covered separately up to S$200 per person.
- Often, yes, though the card is a strong base. The HSBC Visa Infinite carries real overseas medical cover of S$100,000, evacuation up to S$250,000 and a S$1,000,000 personal accident sum, which is more than many complimentary cards offer. The gaps are COVID-19, which is excluded entirely, an 8-hour travel-delay trigger, and modest baggage, cancellation and missed-connection caps. If your trip is expensive to cancel, or you want coronavirus medical and cancellation cover, or you may face a very high overseas hospital bill above S$100,000, a standalone policy fills those holes from around S$20 for a single trip. A fair way to use the card is as a base layer for accident, medical and evacuation, topped up by a standalone policy for the risks it leaves out.
Not just HSBC
Other cards worth considering
Visa Infinite is a strong choice — but depending on what you prioritize, one of these may suit you better.
Centurion
American Express
Platinum Charge
American Express
ULTIMA
Citibank
Prestige
Citibank