Overseas StudySurance

HSBC HK
Insurance
TravelSurance
Overseas StudySurance

Comprehensive protection, even when you're studying overseas

Overseas StudySurance provides comprehensive protection for students during their study trip overseas. It includes protection for medical expenses, personal accident, worldwide personal liability, accidental loss of and damage to personal belongings, emergency family reunion expenses, education fund and more.

Should you have any queries about Overseas StudySurance cover under Coronavirus Disease 2019, please see our FAQs.

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Key benefits

Extensive medical coverage

Get medical expenses benefits of up to HKD2,500,000

Personal accident benefit

Get personal accident benefits of up to HKD1,200,000

Protection while you travel or work

Travel, internship and part-time employment coverage as long as it is not in a manual employment capacity

Worldwide coverage of belongings

Worldwide coverage personal belongings up to HKD20,000

Limited time offer

Apply for Overseas StudySurance between 2 Dec 2024 and 02 Feb 2025 (both days inclusive) to get a 10% discount on your premium in perpetuity and HKD200 in YATA gift certificates.
HSBC Premier customers who apply will receive an additional HKD200 in YATA gift certificates - total HKD400 in gift certificates. Visit the HSBC Premier Welcome Offers & Exclusive Rewards - HSBC HK page for details.

*The discount applies at policy inception and renewal afterwards (if applicable)

T&Cs apply.

Geographical coverage

This table shows the key coverage offered for different geographic locations.
Maximum limit of indemnity per period of insurance (HKD) /Plan	Worldwide plan^# (excluding USA and Canada)	USA and Canada plan
Medical and related expenses	2,500,000	2,500,000
Personal accident	1,200,000	1,200,000
Worldwide personal belongings	20,000	20,000
Worldwide personal liability	2,000,000	2,000,000
Study interruption	300,000	300,000
Travel delay	3,000 per trip (300 for the first 5 hours, 500 for every 5 hours thereafter)	3,000 per trip (300 for the first 5 hours, 500 for every 5 hours thereafter)
Worldwide emergency assistance service	Actual cost	Actual cost

This table shows the key coverage offered for different geographic locations.
Maximum limit of indemnity per period of insurance (HKD) /Plan	Medical and related expenses
Worldwide plan^# (excluding USA and Canada)	2,500,000
USA and Canada plan	2,500,000

Maximum limit of indemnity per period of insurance (HKD) /Plan	Personal accident
Worldwide plan^# (excluding USA and Canada)	1,200,000
USA and Canada plan	1,200,000

Maximum limit of indemnity per period of insurance (HKD) /Plan	Worldwide personal belongings
Worldwide plan^# (excluding USA and Canada)	20,000
USA and Canada plan	20,000

Maximum limit of indemnity per period of insurance (HKD) /Plan	Worldwide personal liability
Worldwide plan^# (excluding USA and Canada)	2,000,000
USA and Canada plan	2,000,000

Maximum limit of indemnity per period of insurance (HKD) /Plan	Study interruption
Worldwide plan^# (excluding USA and Canada)	300,000
USA and Canada plan	300,000

Maximum limit of indemnity per period of insurance (HKD) /Plan	Travel delay
Worldwide plan^# (excluding USA and Canada)	3,000 per trip (300 for the first 5 hours, 500 for every 5 hours thereafter)
USA and Canada plan	3,000 per trip (300 for the first 5 hours, 500 for every 5 hours thereafter)

Maximum limit of indemnity per period of insurance (HKD) /Plan	Worldwide emergency assistance service
Worldwide plan^# (excluding USA and Canada)	Actual cost
USA and Canada plan	Actual cost

^# Includes United Kingdom, Australia, Austria, Belgium, mainland China, Denmark, Finland, France, Germany, Ireland, Israel, Italy, Macau SAR, Malaysia, Netherlands, New Zealand, Norway, Philippines, Singapore, South Korea, Spain, Sweden, Switzerland, Taiwan, and Thailand.

Cover details

This table shows the full list of benefits offered under Overseas StudySurance:
Benefits	Maximum limit of indemnity per period of insurance (HKD)
Section 1 - Medical and related expenses	2,500,000
1.1 Medical expenses Covers inpatient and outpatient expenses of the insured student in case of accidental bodily injury or sickness during their Study Trip	2,500,000
Overseas outpatient	25 visits
Reasonable charges for burial, cremation or funeral expenses in the locality of death	10,000
Extensions (a) Covers follow-up medical expenses in Hong Kong SAR within 90 days of return from abroad	250,000
Treatment by Chinese medical practitioners	5,000 (150 per visit per day)
(b) Provides cash allowance in the event the insured student is confined to the intensive care unit	30,000 (1,500 per day)
1.2 Emergency family reunion Pays for economy class tickets and accommodation for the spouse/partner, parents or children of the insured student in the event that the insured student's hospitalisation for more than 5 consecutive days or death	100,000 for 2 persons (50,000 per person)
Overseas accommodation expense	10,000 per person (2,000 per night)
1.3 Parent annual leave compensation Offers a cash benefit for the parents or legal guardian in the event they need to take annual leave to visit the insured student in the event of hospitalisation for more than 5 consecutive days	2,500 (250 per day)
1.4 Rehabilitation travel expense Covers transportation costs for follow-up treatments or rehabilitation training in the event that the insured student was hospitalised for more than 5 consecutive days	3,000 (300 per ride, 2 rides per visit per day)
1.5 Trauma counselling Covers trauma counselling in the event the insured student was the witness or victim of a traumatic event	15,000 (1,500 per visit per day)
1.6 Convalescence assistance Covers accommodation for the insured student's overseas convalescence after being discharged from the hospital	10,000 (2,000 per day)
1.7 Compassionate cash Provides cash relief in the event of the insured student's death due to sudden sickness outside Hong Kong SAR	10,000
Section 2 - Personal accident 2.1 Personal accident 2.1.1 Accidental death or permanent disablement	1,200,000
Additional compensation 1. Accidental death or permanent disablement as a fare-paying passenger in a common carrier, e.g. aeroplane, bus, coach, taxi, ferry, train or underground train (Applicable for insured students aged 18 or above)	500,000
2. Accidental death or permanent disablement due to kidnapping	100,000
3. Accidental death or permanent disablement due to natural disaster	500,000
4. Broken bones as a result of accidental injury	30,000
2.1.2 Major burns (second or third degree)	500,000
2.2 Education fund Provides a subsidy to ensure the insured students can continue their education in the event of their parent's or legal guardian's accidental death or permanent disablement	300,000
Section 3 - Household contents and personal belongings (overseas) 3.1 Household contents 3.1.1 Household contents at overseas residence Covers loss of or damage to household contents at the insured student's overseas residence resulting from fire, flood, earthquake, tsunami, subsidence/landslip, aircraft damage or impact damage by any road vehicle	10,000 (3,000 per item, pair or set)
3.1.2 Temporary accommodation Pays for temporary accommodation at a hotel, lodging house or boarding house in the event that the insured student's overseas residence is damaged and rendered uninhabitable	5,000 (1,000 per day)
3.2 Worldwide personal belongings Covers for accidental loss of or damage to the insured student's personal belongings while travelling outside Hong Kong SAR during the study trip	20,000
3.2.1 Personal effects and valuables	7,500 per item, pair or set
3.2.2 Sports equipment or musical instruments (loss only)	5,000 per item or set
3.2.3 Mobile phone, electronic mobile devices or tablet	3,000 per item or set
3.2.4 Laptop and portable computer	10,000
3.3 Money	5,000
3.4 Unauthorised use of credit cards Covers monetary loss as a result of unauthorised use of credit cards in the event the cards were lost by way of robbery or theft (Applicable for insured students aged 16 or above)	20,000
3.5 Travel documents Covers the replacement costs of travel documents, and additional transportation and accommodation expenses	10,000
3.6 School closure allowance Provides a cash allowance in the event of an unexpected school closure for more than 3 consecutive days due to natural disaster or as mandated by local authorities	2,000 (500 per day)
3.7 Storage of personal belongings Covers the cost of storage for the insured student's personal belongings in the event that an emergency departure must be taken due to natural disaster within the vicinity of the overseas education institution or as mandated by local authorities	2,000
Section 4 - Worldwide personal liability Covers the legal liability of the insured student in the event of accidental bodily injury or property damage to a third party, as well as any associated legal costs and expenses	2,000,000
Section 5 - Study interruption Covers irrecoverable school fees or deposits in the event that the insured student cannot continue his/her study due to hospitalisation for over 30 days, serious injury, sickness, paralysis; or death of an immediate family member	300,000
Section 6 - Travel delay and additional benefits* 6.1 Travel delay Covers travel delay as a result of: a strike or other industrial action, riot, civil commotion, hijack, acts of terrorism, natural disasters, adverse weather conditions, airport closure, mechanical and/or electrical breakdown or structural defect of the common carrier, eg car, bus, taxi, ferry, plane 6.1 (a) Cash allowance for delay in departure or arrival of scheduled transportation	3,000 per trip (300 for the first 5 hours, 500 for every 5 hours thereafter)
6.1 (b) Additional transportation expenses and overseas overnight accommodation incurred in the event of a delay lasting more than 5 hours	5,000 per trip
6.2 Baggage delay covers the cost of emergency purchases such as clothing, essentials or toiletries in the event that baggage is delayed due to mishandling or hijacking	2,000 per trip (500 for the first 5 hours, 1,000 for every 5 hours thereafter)
6.3 Trip cancellation covers trip cancellation as a result of (a) sudden death, serious injury or sickness of the insured student, their immediate family member or travel companion (b) the insured student being summoned as a witness or to jury service, or placed under compulsory quarantine (c) an unexpected outbreak such as a strike, riot, civil commotion, acts of terrorism, natural disaster or adverse weather conditions in Hong Kong SAR or the studying city, on the departure date of the scheduled trip or at the planned destination within 1 week before the departure date of the scheduled trip (d) serious damage to the insured student's overseas residence in the studying city due to burglary, fire, flood or natural disaster within 1 week before the departure date of the scheduled trip (e) a red+ or black Outbound Travel Alert (OTA) except due to a pandemic Covers irrecoverable transportation and accommodation expenses paid in advance	20,000 per trip
Covers the cancellation fee of redeemed air mileage or provides a cash allowance for non-refundable air mileage redeemed for transportation and accommodation	1,000 per trip
6.4 Trip curtailment Covers trip curtailment as a result of (a) sudden death, serious bodily injury or sickness of the insured student, their immediate family member or travel companion (b) the insured student being summoned as a witness or to jury service, or placed under compulsory quarantine (c) an unexpected outbreak such as a strike, riot, civil commotion, acts of terrorism, natural disaster or adverse weather conditions in Hong Kong SAR or the studying city, on the departure date of the scheduled trip or at the planned destination within 1 week before the departure date of the scheduled trip (d) serious damage to the insured student's overseas residence in the studying city due to burglary, fire, flood or natural disaster within 1 week before the departure date of the scheduled trip (e) a red+ or black Outbound Travel Alert (OTA) It also covers irrecoverable transportation and accommodation expenses paid in advance	20,000 per trip
Covers the cancellation fee of redeemed air mileage or provides a cash allowance for non-refundable air mileage redeemed for transportation and accommodation	1,000 per trip
6.5 Missed connection Covers additional transportation and overnight accommodation expenses incurred due to late arrival of incoming confirmed connecting scheduled public conveyance and no onward transportation is available within 5 consecutive hours	10,000 per trip (2,000 per night)
6.6 Trip Re-route Covers additional transportation expenses incurred in re-routing to arrive at the scheduled destination if common carrier is cancelled or delayed for more than 5 consecutive hours due to the same events detailed in 6.1 Travel delay	10,000 per trip
Section 7 - Worldwide emergency assistance service 7.1 24-hour emergency assistance hotline service	Free (No limit)
7.2 Emergency medical evacuation	Actual cost
7.3 Guarantee of hospital admittance deposit	2,500,000
7.4 Repatriation after treatment	Actual cost
7.5 Repatriation of mortal remains	Actual cost

This table shows the full list of benefits offered under Overseas StudySurance:
Benefits	Section 1 - Medical and related expenses
Maximum limit of indemnity per period of insurance (HKD)	2,500,000

Benefits	1.1 Medical expenses Covers inpatient and outpatient expenses of the insured student in case of accidental bodily injury or sickness during their Study Trip
Maximum limit of indemnity per period of insurance (HKD)	2,500,000

Benefits	Overseas outpatient
Maximum limit of indemnity per period of insurance (HKD)	25 visits

Benefits	Reasonable charges for burial, cremation or funeral expenses in the locality of death
Maximum limit of indemnity per period of insurance (HKD)	10,000

Benefits	Extensions (a) Covers follow-up medical expenses in Hong Kong SAR within 90 days of return from abroad
Maximum limit of indemnity per period of insurance (HKD)	250,000

Benefits	Treatment by Chinese medical practitioners
Maximum limit of indemnity per period of insurance (HKD)	5,000 (150 per visit per day)

Benefits	(b) Provides cash allowance in the event the insured student is confined to the intensive care unit
Maximum limit of indemnity per period of insurance (HKD)	30,000 (1,500 per day)

Benefits	1.2 Emergency family reunion Pays for economy class tickets and accommodation for the spouse/partner, parents or children of the insured student in the event that the insured student's hospitalisation for more than 5 consecutive days or death
Maximum limit of indemnity per period of insurance (HKD)	100,000 for 2 persons (50,000 per person)

Benefits	Overseas accommodation expense
Maximum limit of indemnity per period of insurance (HKD)	10,000 per person (2,000 per night)

Benefits	1.3 Parent annual leave compensation Offers a cash benefit for the parents or legal guardian in the event they need to take annual leave to visit the insured student in the event of hospitalisation for more than 5 consecutive days
Maximum limit of indemnity per period of insurance (HKD)	2,500 (250 per day)

Benefits	1.4 Rehabilitation travel expense Covers transportation costs for follow-up treatments or rehabilitation training in the event that the insured student was hospitalised for more than 5 consecutive days
Maximum limit of indemnity per period of insurance (HKD)	3,000 (300 per ride, 2 rides per visit per day)

Benefits	1.5 Trauma counselling Covers trauma counselling in the event the insured student was the witness or victim of a traumatic event
Maximum limit of indemnity per period of insurance (HKD)	15,000 (1,500 per visit per day)

Benefits	1.6 Convalescence assistance Covers accommodation for the insured student's overseas convalescence after being discharged from the hospital
Maximum limit of indemnity per period of insurance (HKD)	10,000 (2,000 per day)

Benefits	1.7 Compassionate cash Provides cash relief in the event of the insured student's death due to sudden sickness outside Hong Kong SAR
Maximum limit of indemnity per period of insurance (HKD)	10,000

Benefits	Section 2 - Personal accident 2.1 Personal accident 2.1.1 Accidental death or permanent disablement
Maximum limit of indemnity per period of insurance (HKD)	1,200,000

Benefits	Additional compensation 1. Accidental death or permanent disablement as a fare-paying passenger in a common carrier, e.g. aeroplane, bus, coach, taxi, ferry, train or underground train (Applicable for insured students aged 18 or above)
Maximum limit of indemnity per period of insurance (HKD)	500,000

Benefits	2. Accidental death or permanent disablement due to kidnapping
Maximum limit of indemnity per period of insurance (HKD)	100,000

Benefits	3. Accidental death or permanent disablement due to natural disaster
Maximum limit of indemnity per period of insurance (HKD)	500,000

Benefits	4. Broken bones as a result of accidental injury
Maximum limit of indemnity per period of insurance (HKD)	30,000

Benefits	2.1.2 Major burns (second or third degree)
Maximum limit of indemnity per period of insurance (HKD)	500,000

Benefits	2.2 Education fund Provides a subsidy to ensure the insured students can continue their education in the event of their parent's or legal guardian's accidental death or permanent disablement
Maximum limit of indemnity per period of insurance (HKD)	300,000

Benefits	Section 3 - Household contents and personal belongings (overseas) 3.1 Household contents 3.1.1 Household contents at overseas residence Covers loss of or damage to household contents at the insured student's overseas residence resulting from fire, flood, earthquake, tsunami, subsidence/landslip, aircraft damage or impact damage by any road vehicle
Maximum limit of indemnity per period of insurance (HKD)	10,000 (3,000 per item, pair or set)

Benefits	3.1.2 Temporary accommodation Pays for temporary accommodation at a hotel, lodging house or boarding house in the event that the insured student's overseas residence is damaged and rendered uninhabitable
Maximum limit of indemnity per period of insurance (HKD)	5,000 (1,000 per day)

Benefits	3.2 Worldwide personal belongings Covers for accidental loss of or damage to the insured student's personal belongings while travelling outside Hong Kong SAR during the study trip
Maximum limit of indemnity per period of insurance (HKD)	20,000

Benefits	3.2.1 Personal effects and valuables
Maximum limit of indemnity per period of insurance (HKD)	7,500 per item, pair or set

Benefits	3.2.2 Sports equipment or musical instruments (loss only)
Maximum limit of indemnity per period of insurance (HKD)	5,000 per item or set

Benefits	3.2.3 Mobile phone, electronic mobile devices or tablet
Maximum limit of indemnity per period of insurance (HKD)	3,000 per item or set

Benefits	3.2.4 Laptop and portable computer
Maximum limit of indemnity per period of insurance (HKD)	10,000

Benefits	3.3 Money
Maximum limit of indemnity per period of insurance (HKD)	5,000

Benefits	3.4 Unauthorised use of credit cards Covers monetary loss as a result of unauthorised use of credit cards in the event the cards were lost by way of robbery or theft (Applicable for insured students aged 16 or above)
Maximum limit of indemnity per period of insurance (HKD)	20,000

Benefits	3.5 Travel documents Covers the replacement costs of travel documents, and additional transportation and accommodation expenses
Maximum limit of indemnity per period of insurance (HKD)	10,000

Benefits	3.6 School closure allowance Provides a cash allowance in the event of an unexpected school closure for more than 3 consecutive days due to natural disaster or as mandated by local authorities
Maximum limit of indemnity per period of insurance (HKD)	2,000 (500 per day)

Benefits	3.7 Storage of personal belongings Covers the cost of storage for the insured student's personal belongings in the event that an emergency departure must be taken due to natural disaster within the vicinity of the overseas education institution or as mandated by local authorities
Maximum limit of indemnity per period of insurance (HKD)	2,000

Benefits	Section 4 - Worldwide personal liability Covers the legal liability of the insured student in the event of accidental bodily injury or property damage to a third party, as well as any associated legal costs and expenses
Maximum limit of indemnity per period of insurance (HKD)	2,000,000

Benefits	Section 5 - Study interruption Covers irrecoverable school fees or deposits in the event that the insured student cannot continue his/her study due to hospitalisation for over 30 days, serious injury, sickness, paralysis; or death of an immediate family member
Maximum limit of indemnity per period of insurance (HKD)	300,000

Benefits	Section 6 - Travel delay and additional benefits* 6.1 Travel delay Covers travel delay as a result of: a strike or other industrial action, riot, civil commotion, hijack, acts of terrorism, natural disasters, adverse weather conditions, airport closure, mechanical and/or electrical breakdown or structural defect of the common carrier, eg car, bus, taxi, ferry, plane 6.1 (a) Cash allowance for delay in departure or arrival of scheduled transportation
Maximum limit of indemnity per period of insurance (HKD)	3,000 per trip (300 for the first 5 hours, 500 for every 5 hours thereafter)

Benefits	6.1 (b) Additional transportation expenses and overseas overnight accommodation incurred in the event of a delay lasting more than 5 hours
Maximum limit of indemnity per period of insurance (HKD)	5,000 per trip

Benefits	6.2 Baggage delay covers the cost of emergency purchases such as clothing, essentials or toiletries in the event that baggage is delayed due to mishandling or hijacking
Maximum limit of indemnity per period of insurance (HKD)	2,000 per trip (500 for the first 5 hours, 1,000 for every 5 hours thereafter)

Benefits	6.3 Trip cancellation covers trip cancellation as a result of (a) sudden death, serious injury or sickness of the insured student, their immediate family member or travel companion (b) the insured student being summoned as a witness or to jury service, or placed under compulsory quarantine (c) an unexpected outbreak such as a strike, riot, civil commotion, acts of terrorism, natural disaster or adverse weather conditions in Hong Kong SAR or the studying city, on the departure date of the scheduled trip or at the planned destination within 1 week before the departure date of the scheduled trip (d) serious damage to the insured student's overseas residence in the studying city due to burglary, fire, flood or natural disaster within 1 week before the departure date of the scheduled trip (e) a red+ or black Outbound Travel Alert (OTA) except due to a pandemic Covers irrecoverable transportation and accommodation expenses paid in advance
Maximum limit of indemnity per period of insurance (HKD)	20,000 per trip

Benefits	Covers the cancellation fee of redeemed air mileage or provides a cash allowance for non-refundable air mileage redeemed for transportation and accommodation
Maximum limit of indemnity per period of insurance (HKD)	1,000 per trip

Benefits	6.4 Trip curtailment Covers trip curtailment as a result of (a) sudden death, serious bodily injury or sickness of the insured student, their immediate family member or travel companion (b) the insured student being summoned as a witness or to jury service, or placed under compulsory quarantine (c) an unexpected outbreak such as a strike, riot, civil commotion, acts of terrorism, natural disaster or adverse weather conditions in Hong Kong SAR or the studying city, on the departure date of the scheduled trip or at the planned destination within 1 week before the departure date of the scheduled trip (d) serious damage to the insured student's overseas residence in the studying city due to burglary, fire, flood or natural disaster within 1 week before the departure date of the scheduled trip (e) a red+ or black Outbound Travel Alert (OTA) It also covers irrecoverable transportation and accommodation expenses paid in advance
Maximum limit of indemnity per period of insurance (HKD)	20,000 per trip

Benefits	Covers the cancellation fee of redeemed air mileage or provides a cash allowance for non-refundable air mileage redeemed for transportation and accommodation
Maximum limit of indemnity per period of insurance (HKD)	1,000 per trip

Benefits	6.5 Missed connection Covers additional transportation and overnight accommodation expenses incurred due to late arrival of incoming confirmed connecting scheduled public conveyance and no onward transportation is available within 5 consecutive hours
Maximum limit of indemnity per period of insurance (HKD)	10,000 per trip (2,000 per night)

Benefits	6.6 Trip Re-route Covers additional transportation expenses incurred in re-routing to arrive at the scheduled destination if common carrier is cancelled or delayed for more than 5 consecutive hours due to the same events detailed in 6.1 Travel delay
Maximum limit of indemnity per period of insurance (HKD)	10,000 per trip

Benefits	Section 7 - Worldwide emergency assistance service 7.1 24-hour emergency assistance hotline service
Maximum limit of indemnity per period of insurance (HKD)	Free (No limit)

Benefits	7.2 Emergency medical evacuation
Maximum limit of indemnity per period of insurance (HKD)	Actual cost

Benefits	7.3 Guarantee of hospital admittance deposit
Maximum limit of indemnity per period of insurance (HKD)	2,500,000

Benefits	7.4 Repatriation after treatment
Maximum limit of indemnity per period of insurance (HKD)	Actual cost

Benefits	7.5 Repatriation of mortal remains
Maximum limit of indemnity per period of insurance (HKD)	Actual cost

* The maximum limit of indemnity under sections 6.1 to 6.6 refers to the total amount of money payable for all claims aggregated per trip during the study trip within any one period of insurance.

⁺ The limit for a red OTA will be up to 50% of the loss incurred.

Major exclusions

Our plans generally do not cover:

pre-existing medical conditions and events which existed prior to the effect of insurance
pregnancy, childbirth, miscarriage and all complications
mental or nervous disorders, alcoholism, or drug addiction
criminal act, suicide or wilfully self-inflicted injury or illness
AIDS, venereal disease, congenital anomalies or deformities
war (whether declared or not) or any act thereof, invasion or civil war including riot and civil commotion amounting to popular uprising
nuclear fission, nuclear fusion or radioactive contamination arising from non-terrorist event
sanction, regulation, prohibition, restriction by government, customs or other authorities
engaging in sports or games in professional capacity or to earn remuneration. Racing other than on foot, including swimming race, motor rallies and motor competitions, riding or driving in any kind of race, mountaineering or trekking at altitude above 5,000 meters, scuba diving deeper than 30 meters below sea level, ski-jumping, use of bob-sleighs, gliding, parachuting, pot-holing, hunting or aviation (other than as a fare-paying passenger in a fully licensed aircraft)
incidental manual work which is not reasonably expected within a non-manual employment. Employment for manual work including but not limited to delivery worker, cook, cleaning worker, car repair, fitness trainer, yoga instructor, lifeguard and farmer
Trip cancellation under red or black outbound travel alert for the reason of a pandemic
Medical Expenses (Section 1) and Worldwide Emergency Assistance Service (Section 7) if a claim is due to a vaccine-preventable disease where (i) the insured student fails to obtain the related vaccine and (ii) such vaccine is mandatorily required by the government(s) of Hong Kong SAR and/or the country/region the insured student is travelling to

For details of all exclusions, please refer to the Policy wording (PDF).

How to apply

Eligibility

To apply for Overseas StudySurance, you’ll need to meet all of these requirements:

hold an HSBC bank account or credit card
be a Hong Kong resident with a valid HKID card
be physically in Hong Kong SAR when you apply for this insurance policy

The insured student under the Overseas StudySurance policy will need to meet all of these requirements:

be a Hong Kong resident aged between 10 and 40 years; if the insured student is under 18, their parent or legal guardian must be the applicant and policyholder
be registered as a full-time overseas student studying overseas in an accredited educational institution that is authorised to operate in the country or region of study
depart for their study trip from Hong Kong SAR

Apply now

HSBC customers can apply for a StudySurance policy online

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Or visit a branch

You can visit one of our branches to find out more

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Find out more

While both insurance products cover unlimited number of trips in a period of insurance, a multi-trip travel insurance usually has a shorter duration limit for each trip (not more than 100 days), while for Overseas StudySurance, the duration of each trip can be more than 100 days provided that it is within the period of insurance. Besides, there are many benefits specially designed to support studying overseas, such as irrecoverable school fees protection, education fund, coverage for student taking internship or part-time job (non-manual employment only) during the study trip, which are not offered by the multi-trip travel insurance.

Overseas StudySurance offers worldwide coverage in which internships arranged or endorsed by the overseas education institution and incidental travels during the study trip outside Hong Kong SAR will be covered. We also cover overseas non-manual part-time job including and not limited to office clerk, waiter, bartender, barista, and cashier. However, manual work which is not reasonably expected in such non-manual employments will not be covered.

For example, the accidental injury would not be covered by the policy if it is caused by the insured student who was helping in the kitchen during the part-time employment as a cashier in a café. Manual employments including but not limited to delivery worker, cook, cleaning worker, car repair, fitness trainer, yoga instructor, lifeguard, and farmer are not covered under Overseas StudySurance.

We provide comprehensive coverage even under a pandemic such as COVID-19; however, there are some exclusions that we would like to draw your attention to:

trip cancellation under red or black outbound travel alert for the reason of a pandemic is not covered
medical expenses and worldwide emergency assistance service are also not covered if a claim is due to a vaccine-preventable disease, where (i) you fail to obtain the related vaccine and (ii) such vaccine is mandatorily required by the government(s) of Hong Kong SAR and/or the country/region you are travelling to/from during the study trip

AXA will pay benefits of Section 1.3 Parent Annual Leave Compensation, Section 1.7 Compassionate Cash, Section 2 Personal Accident, Section 3.6 School Closure Allowance and Section 6.1 (a) Travel Delay independent of your other insurance policy insured for the same study trip.

For the sections not mentioned above, AXA will only be liable for amounts not recoverable from such other insurance and will not pay more than it's share. The coverage under this policy shall apply only as excess and in no event as contributing insurance, and then only after all other insurance has been exhausted.

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Please note that Overseas StudySurance's coverage may overlap with your other existing protection plans' coverage or exceed your needs, we suggest you compare Overseas StudySurance's coverage with any existing protection plan you have in place to avoid duplication.

General Insurance products are applicable to HSBC Account holders and HSBC credit card holders only.

The above information is intended as a general summary. Please refer to the policy wording for exact terms and conditions and details of the exclusions.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR. General insurance plans are products of AXA but not HSBC.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.