hsbc premier travel insurance claim online

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Make a travel insurance claim

About hsbc travel insurance claims.

HSBC Travel Insurance is provided by Aviva Insurance Limited. Aviva manages the claims process from start to finish so that your claims are handled as quickly and efficiently as possible.

When to make an HSBC Travel Insurance claim

If your trip has been cancelled, your first step should be to contact your travel and/or accommodation provider for a refund.

If you paid any part with your debit or credit card or PayPal, you may also contact the payment provider for a refund. If you paid with an HSBC debit or credit card, here’s how you can  raise a dispute .

Claiming a refund from either your travel operator or your card provider may lead to a better outcome for yourself than claiming via your travel insurance, as you may be able to claim the full amount you paid without having to pay an excess. You could also potentially recover losses for all the party members on the booking, some of whom may not have taken insurance. You can find further useful information on this topic on the  MoneyHelper  website. If you’ve been unable to get a refund from your travel and/or accommodation provider or your payment provider, please contact Aviva to make a claim.

Coronavirus advice

For the latest coronavirus travel guidance, see  what’s covered under HSBC Travel Insurance .

How to make a claim

If you don't need urgent medical attention, you can make a claim online.

All medical emergency lines are open 24 hours a day, 365 days a year:

All travel claim lines are open 8am to 6pm Monday to Friday and 8am to 6pm on Saturdays, closed Sundays.

For HSBC Premier

Medical emergency line: +44 (0)1603 605 135

For travel claims: +44 (0)1603 605 122

For HSBC Private Banking and Premier (retained Jade benefits)

Medical emergency line:  +44 (0)1603 605 102

For travel claims:  +44 (0)1603 605 122

For HSBC Select and Cover

Medical emergency line:  +44 (0)1603 208 95

For travel claims:  +44 (0)345 302 8387

For HSBC Insurance Aspects 

Medical emergency line:  +44 (0)1603 605 142

For travel claims:  +44 (0)1603 604 910

For HSBC Gold MasterCard and HSBC Platinum MasterCard 

Medical emergency line:  +44 (0)1243 621 064

What you’ll need to make a claim

You’ll need to provide Aviva with:

• confirmation of the original booking and which parts of it are non-refundable
• evidence you’ve tried to get your money back from your travel and/or accommodation provider, plus your credit or debit card provider if you paid by card - for example, copies of emails you’ve sent and/or their replies
• details of any self-isolation advice you’ve been given by either your GP or from NHS 111

For all claims, normal policy excess, terms and conditions, exclusions and claims assessment apply.

How long will it take to process my claim?

As soon as you’ve notified Aviva of your claim, they will send you a claims pack detailing the information they need from you. To ensure your claim is handled as swiftly as possible, please follow the instructions in this pack.

After receiving your details, Aviva will assess your claim and make a payment to you within 28 days if your claim’s been successful.

If you’re having financial difficulties, please visit our  financial support  page for ways we can help.

Policy documents

HSBC Premier Account & Private Banking Worldwide Travel Insurance

• HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits) and HSBC Premier Accounts (PDF, 528KB) HSBC Travel Insurance Policy Wording: HSBC Private Banking, HSBC Premier (retained Jade benefits) and HSBC Premier Accounts (PDF, 528KB) Download
• HSBC Premier Travel Insurance Product Information Document (PDF, 153KB) HSBC Premier Travel Insurance Product Information Document (PDF, 153KB) Download
• HSBC Private Banking Travel Insurance Product Information Document (PDF, 114KB) HSBC Private Banking Travel Insurance Product Information Document (PDF, 114KB) Download
• Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Premier (retained Jade benefits) Travel Insurance Product Information Document (PDF, 257KB) Download

Select and Cover

• Select and Cover Terms and Conditions (PDF, 427KB) Select and Cover Terms and Conditions (PDF, 427KB) Download
• HSBC Summary of Cover Limits (PDF, 105KB) HSBC Summary of Cover Limits (PDF, 105KB) Download

Insurance Aspects Worldwide travel insurance

• Your Travel Policy Document (PDF, 519KB) Your Travel Policy Document (PDF, 519KB) Download
• Insurance Product Information Document for customers aged under 70 (PDF, 296KB) Insurance Product Information Document for customers aged under 70 (PDF, 296KB) Download

Customer support

Your Travel Insurance Claim

Please tell us about yourself

Please tell us about you and your policy. If you have a single trip or annual travel insurance policy, please enter the name, date of birth and postcode of someone insured on the policy.

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HSBC Premier Credit Card

Unlimited rewards points with no expiration.

35k Introductory Offer

Earn 35,000 Rewards Bonus Points worth at least $400 in air travel – after spending $3,000 in the first 3 months from Account opening 2

2× Travel Points

You’ll earn 2× Rewards Points on new travel purchases – including airline, hotels, and car rentals

1× on all other purchases You’ll earn 1× Points per $1 spent

No Annual Fee 5

• No Foreign Transaction Fees
• Competitive Variable APR 5 of 21.24% to 25.24% on Purchases and Balance Transfers 

Redeem your points for rewards 

• Redeem Points for flights, hotel reservations and car rentals using our online travel site
• Book your own airline travel, and receive a statement credit to reimburse the cost
• Transfer your Points to air miles with participating airline partner 3

Cash Rewards

• Reward yourself with cash back
• Direct deposit to your HSBC bank account 
• Statement credits can be applied to your HSBC card account

• More than 100 brands in variable denominations 3
• Find the perfect fit across dining, travel, shopping, and entertainment 3
• Macy's, Starbucks, Home Depot®, Amazon.com, and Best Buy® are a few of the most popular in this vast collection 3

Merchandise

• A collection of over 3,000 items with new ones added every week 3
• Shop categories from luggage to electronics, kitchenware to fashion, and everything in-between 3
• Find top brands including Bose, Apple, Tumi, Dyson, Kate Spade New York, and many more 3

Explore this card

Travel benefits, everyday values and experiences, peace of mind.

Up to $85 TSA Precheck(R) Credit Receive one Statement Credit every 54 months, to cover up to $85 towards your  TSA Precheck  Application fee 6 .

(Not applicable towards the Global Entry Fee)

Mastercard Travel Rewards

Get exclusive offers from top brands in over 15 countries outside the U.S. including France, Hong Kong, U.K. and more when you use your HSBC Elite or Premier Credit Card. 3

Rewards For Miles

Transfer your Points into any of the Rewards for Miles partners’ loyalty programs.  We have expanded the program to now include 11 airlines and 2 hotel partners.

•   Learn More Learn More Modal link

View more travel benefits 

No Foreign Transaction Fees There are no added costs when using your card to make purchases in a foreign country.

MasterRental TM Coverage Provides protection for physical damage and theft to most rental vehicles 4 .

Mastercard Travel & Lifestyle Services TM  Connects you with access to luxury travel benefits, amenities and upgrades at some of the most sought-after travel destinations either by phone, email or a personalized online platform 4 .

Travel Accident Insurance Receive accidental death or dismemberment coverage of up to $1,000,000 when traveling 4 .

Trip Cancelation Insurance Reimburses you for your prepaid, non-refundable expenses in case you have to cancel your trip for a covered reason 4 .

Hotel and Motel Burglary Insurance Get reimbursed up to $1,500 per claim for personal property stolen or damaged from your hotel or motel room as a result of burglary by forcible entry 4 .

Lost Luggage Insurance Get reimbursed up to $1,500 per claim for checked or carry-on luggage that is lost or damaged while traveling on a common carrier 4 .

Baggage Delay Insurance Get reimbursed up to $250 per claim for the cost of essential items such as clothing and toiletries if your luggage is delayed in getting to your scheduled destination 4 .

Mastercard ® Airport Concierge Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 450 destinations worldwide 4 .

Priceless Experiences

Get exclusive, once in a lifetime experiences in the cities where you live, shop and travel.

Complimentary ShopRunner membership for unlimited, free 2-day shipping and free return shipping at over 140 online stores.

Take 3 rides, get a $5 Lyft App credit every month with your HSBC Credit Card. 4

Priceless Golf®

Discounted access to select golf courses, complimentary grounds passes for PGA Tournaments, Priceless Lessons with PGA Tour professional and much more.

Mastercard ID Theft Protection TM 

If your identity is compromised, you’ll receive one-on-one support until your claim is resolved 4 .

Identity Fraud Expense Reimbursement

Provides expense reimbursement in the event your identity is compromised through identity fraud 4 .

Cellular Wireless Telephone Protection

Provides reimbursements up to $600 per claim if your cellphone is stolen or damaged 4 .

Tap & Go® with any HSBC Credit Card

Tap & Go® contactless payments are faster than swiping or inserting your card for payment.

• Place – Simply place your HSBC Credit Card close to a contactless payment terminal
• Hold – Briefly hold your card close to the terminal until it confirms the payment with a green light or beep,
• Done – Follow the prompts, and you're done!

Thousands of merchants accept contactless payments – use your card wherever you see the contactless symbol.

† Summary of Terms can be accessed here

HSBC Premier World Mastercard® credit card Rewards & Benefits and Mastercard Guide to Benefits brochure can be accessed here .

How to apply

To apply for an HSBC Premier World Mastercard® credit card, you must have an existing U.S. HSBC Premier checking 1 account relationship.

I have an HSBC Premier checking account relationship

New to HSBC

To apply for an HSBC Premier World Mastercard® credit card 1 , you must have an existing U.S. HSBC Premier checking account relationship. Explore the benefits today.

Existing HSBC Customer

Log on to Personal Internet Banking to apply for an HSBC Premier World Mastercard® credit card.

Contact our 24/7 Premier Customer Relationship Center.

888.662.4722 (HSBC)

If you’re calling from outside the US or Canada, call 

716.841.6866

Find the Wealth Center closest to you to apply in person.

• Wealth Center locator  

I do not have an HSBC Premier checking account relationship.

Applying to become an HSBC Premier client 1 has many benefits beyond access to the HSBC Premier World Mastercard® credit card.

• Learn more about HSBC Premier  

• Fraud Protection  

As an HSBC customer, you’re automatically enrolled in our fraud alert program.

• FICO®  

See your FICO® score for free, along with key score factors, on your monthly statement.

• Mobile Payments  

All HSBC credit cards are compatible with Apple Pay®, Google Pay TM , Fitbit Pay TM , Garmin Pay TM and Samsung Pay TM .

1 HSBC Premier World Mastercard® requires a U.S. HSBC Premier relationship. For a complete list of HSBC Premier Relationship eligibility requirements please visit  https://www.us.hsbc.com/premier/  or speak with your Relationship Manager.

2 The 35,000 Rewards Bonus Points offer applies when you open a new HSBC Premier World Mastercard® credit card and charge the qualifying amount or more in new purchases (minus returns, credits and adjustments) within the first three (3) months from Account opening (“Promotional Period”). The Bonus Points offer does not apply to account upgrades, account transfers, balance transfers, credit card checks, cash advances or overdrafts. Your HSBC Premier World Mastercard® credit card must be open and in good standing at the time of Bonus Points fulfillment. Allow 4-6 weeks after the Promotional Period has ended for the Bonus Points to post to your Account. Customers who have opened the same credit card product within the last 36 months are not eligible to receive the Rewards Program Bonus Points offer.

3  As an HSBC Elite or HSBC Premier credit cardholder, you do not need to enroll or register for the Mastercard Travel Rewards program. This program is available to you automatically, at no additional cost. Merchants may provide to eligible HSBC Elite and HSBC Premier Mastercard credit cardholders (“cardholder”) certain discounts, rebates or other benefits on the purchases of goods and services ("Offers") that will be available on the Mastercard Site. Merchants may also have different payment acceptance criteria for online purchases (e.g., debit or prepaid cards may not be accepted). Such Offers are subject to certain Terms & Conditions and may change at any time without notice to you. Payment acceptance criteria is determined by the merchant in its discretion and may be visible on the Merchant website. HSBC or Mastercard will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant with respect to such Offers. Except as set forth herein, all matters, including but not limited to delivery of goods and services, returns, and warranties are solely and strictly between you and the applicable merchants. You acknowledge that HSBC or Mastercard does not endorse or warrant the merchants that are accessible through the Mastercard Site nor the Offers that they provide. If applicable, all offer redemption is dependent on merchant shipping policies and availability to cardholder's shipping address. For all offers that are specified as “unlock additional online offers” cashback is not earned on shipping, handling, tax or the purchase and/or use of gift vouchers, which for avoidance of doubt, includes gift cards, gift certificates, or any other similar cash equivalents. Terms and conditions apply, see https://www.us.hsbc.com/credit-card-resource-center/premier/#rewards for additional information.  All third party-trademarks are the property of the respective owners.

4  Certain restrictions, limits and exclusions apply. Visit https://www.lyft.com/mastercard for a full list of current merchant offers and applicable terms & conditions.

5  The information about the costs and benefits of the card described is accurate as of {{currentDate}}. The information may have changed after that date. To find out what may have changed, call 888.662.4722 (HSBC). A variable Purchase APR applies to credit card purchases and will be 21.24% to 25.24%, depending on your credit worthiness, for the HSBC Premier World Mastercard® credit card . A variable Balance Transfer APR applies to balance transfers and will be 21.24% to 25.24%, depending on your credit worthiness. The variable Cash APR applies to cash advances and is 30.24%. These APRs will vary with the market based on the Prime Rate. For each billing cycle, variable APRs are calculated by adding a specified amount (“Spread”) to the U.S. Prime Rate published in the Money Rates table of The Wall Street Journal that is in effect on the last day of the month (“Prime Rate”). If the Prime Rate changes, the new APRs will take effect on the first day of your billing cycle beginning in the next month. The Minimum Interest Charge is $1.00. A Balance Transfer Fee of either $10 or 4%, whichever is greater, will apply on each balance transfer. A check fee of either $10 or 4%, whichever is greater, will apply on each check written for purposes other than Balance Transfer. A Cash Advance Fee of either $10 or 5%, whichever is greater, will apply on each cash advance transaction. There is no Annual Fee and no Foreign Transaction Fee. See Summary of Terms for details .

6  Certain restrictions, limits and exclusions apply. Benefits may not be offered in every state. Coverage may be underwritten and managed by companies that are not affiliated with Mastercard® or HSBC Bank USA, N.A. Please refer to the HSBC Premier World Mastercard® credit card Rewards and Benefits brochure and Mastercard® Guide to Benefits brochure, for full details.

How you earn Rewards Program Points or Cash Rewards : You earn Points or Cash Rewards when you use your card to make new purchases (minus returns, credits and adjustments).

HSBC credit cards are issued by HSBC Bank USA, N.A., subject to credit approval and requires a U.S. HSBC checking account relationship. To learn more, speak with an HSBC representative.

Deposit products offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

Mastercard®, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC.

Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105 .   

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, Mac, Safari, and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.  iPad Pro is a trademark of Apple Inc.

Samsung, Samsung Pay, Galaxy S7 and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd.  Other company and product names mentioned may be trademarks of their respective owners.   Screen images are simulated; actual appearance may vary.  Samsung Pay is available on select Samsung devices.

Fitbit, Fitbit Pay and the Fitbit Logo are trademarks, service marks and/or registered trademarks of Fitbit, Inc. in the Unites States and in other countries.

Garmin and Garmin logo are trademarks of Garmin, Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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HSBC Premier Travel & Purchase Protection Insurance

Important notice.

Travel & Purchase Protection Insurance are provided and underwritten by Atlas Insurance PCC Limited and not by HSBC Bank Malta plc. Atlas Insurance PCC Limited is an authorized insurance company which is regulated by the Malta Financial Services Authority (MFSA).

The Full Policy Terms and Conditions of the Atlas Travel Insurance Policy can be accessed on our HSBC website –  www.hsbc.com.mt .

Please note that HSBC Bank Malta plc assumes no liability or responsibility for any of the contents within the Atlas Policy Terms and Conditions.

We also wish to inform you that HSBC Bank Malta plc has no authority or remit on any decision taken by Atlas Insurance PCC Limited in respect of any claim. No advice is given on the contract of insurance.

The words “Atlas” mean Atlas Insurance PCC Limited.

Please note that the free Travel & Purchase Protection Insurance may include a number of limitations and exclusions and it is very important that you contact Mediterranean Insurance Brokers (Malta) Limited before each trip to understand the extent of cover provided and have the opportunity to consider and request any additional cover and protection in line with your requirements. Any increase in cover or protection will be at your own cost.

May we also remind you of your obligations to take reasonable precautions to ensure safety and supervision of your property.

The Policy shall be subject to, and be interpreted and construed in accordance with the Laws of Malta. Any dispute arising out of, or in connection with this Policy, shall be subject to the exclusive jurisdiction of the Maltese Courts.

Language Used

The Policy Terms and Conditions and other documentation related to the Atlas Policy shall be provided in English and may be communicated either by electronic mail or post.

In line with standard market practice, Mediterranean Insurance Brokers (Malta) Limited shall not charge for their services but they will receive their remuneration in line with the traditional international market practice in the form of brokerage from the Underwriters.

Guidelines to Policy Holder

Your policy document.

Please read Your Policy and the Schedule and any Endorsement attached, as one document to ensure they satisfy your requirements.

Eligibility of Travel

For a Trip to be eligible for travel insurance the Account Holder must use his/her Card for all or part of the payment in respect of flight and/or marine transport services and/or accommodation related to the Trip.

In case of an Emergency

You MUST notify GLOBAL RESPONSE immediately of ANY illness or injury or accident abroad where YOU are admitted to hospital or as an in-patient and BEFORE any REPATRIATION or ABANDONMENT of Your holiday. If this is not possible because the condition is serious the contact must be made as soon as possible after You are hospitalized. Immediate contact should be made before arrangements are made for repatriation. If you do not call in these circumstances your claim may not be accepted.

Contact Global Response Ltd:

over the phone:  +44 (0) 292 066 2438

by email:  [email protected]

Always quote Policy No. 167064 299 002 and advise them that You are insured with Atlas Insurance PCC Limited.

Global Response operates a multilingual office, 24 hours a day, 365 days a year and will provide immediate help in relation to a liaison with doctors and hospitals, medical bills, repatriation, air ambulance and liaison with relatives.

Claims Procedure

Please quote your Atlas Certificate number – Travel Insurance Policy No. 167064 299 002

Purchase Protection Insurance Policy No. 167064 411 001 in case of a claim.

Please ensure to retain and submit all relevant documentation to a claim in line with the guidelines attached at the end of this document and as provided by Mediterranean Insurance Brokers (Malta) Limited.

In case of a claim or for such queries you can contact:

Mediterranean Insurance Brokers (Malta) Limited

Zentrum Business Centre

Qormi QRM 9010

Tel: +(356) 2343 3234

E:  [email protected]

W:  www.mib.com.mt

For ease of access, you can also claim through the online portal of MIB through this link .

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Travel Insurance

Alternatively please call  800 4560 .

• Instant quote & Instant cover
• Simple enrollment process
• High value cover for low premiums
• Extensive Cover options
• Global presence and worldwide arrangements
• Multilingual healthcare professionals
• 24/7 365 days a year travel assistance

Are you eligible?

You can apply for travel insurance if you are:

• a UAE resident
• a GCC resident traveling from their country of residence

Things you should know

• travel smart is one of the best travel insurance products in the market, to cover you for any medical and travel inconvenience, ensuring a worry-free holiday
• travel schengen is the compulsory minimum cover required for obtaining a visa to any Schengen country
• Travel insurance policy Terms and Conditions (PDF) Travel insurance policy Terms and Conditions (PDF) Download link

Find out more

Get started by requesting a quote online

Product terms and conditions and exclusions apply. Please read the full policy wording for further information.

General insurance products are provided by GIG Insurance (Gulf) B.S.C. (c). HSBC Bank Middle East Limited in the UAE is only a referrer of GIG's general insurance products and is not responsible for claims, processing or otherwise.

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New safety measure for Android device

Beware of apps from sources other than your phone’s official app stores which may contain malware. From 26 Feb 2024, new safety measure in the Android version of the HSBC HK App will be launched to protect you from malware. Learn more .

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Investment Daily: US stocks fell amid higher Treasury yields and geopolitical concerns

16 Apr 2024

Key takeaways

• US stocks fell amid higher Treasury yields and geopolitical concerns.
• European stocks were mixed as government bonds fell.
• Asian equities fell amid US rate and geopolitical concerns.

US equities declined on Monday amid higher Treasury yields and concerns over geopolitical tensions in the Middle East, as the earnings season continues. S&P 500 lost 1.2%, as the tech-heavy Nasdaq saw a sharper 1.8% drop.      

US Treasuries fell (yields rose) and the yield curve steepened as investors weighed upbeat retail sales data while accessing geopolitical risks and remarks from Fed officials for the US rate outlook. 10-year yields rose 8bp to 4.60%.  

European stocks were mixed on Monday as investors digested the uncertain geopolitical backdrop and US earnings results. The Euro Stoxx 50 index increased 0.6%, with the German DAX and French CAC up 0.5% and 0.4%, respectively. In the UK, the FTSE-100 was down 0.4%.

European government bonds lost ground on Monday (yields increased) due to receding safe-haven flows and an upward surprise in US retail sales. 10-year German yields rose 8bp to 2.44%, as 10-year French yields rose 10bp to 2.96% amid rising fiscal concerns. In the UK, 10-year gilt yields rose 10bp to 4.24% ahead of key labour market and inflation data.

Asia stock markets declined on Monday due to rising geopolitical worries and ongoing concerns about the US rate outlook. Japan’s Nikkei 225 and Hong Kong’s Hang Seng both fell 0.7%, with other regional markets seeing steep losses. India’s Sensex was down 1.1%. Onshore Chinese equities bucked the regional trend, with the Shanghai Composite rising 1.3%. Last Friday the Chinese government issued guidelines to strengthen capital market supervision and risk prevention, aimed at enhancing investor protection, shareholder returns and reviving market confidence.

Crude oil prices ended a choppy session slightly lower on Monday as investors monitored geopolitical developments in the Middle East. WTI crude for May delivery settled 0.3% lower at USD85.4 a barrel.

Key Data Releases and Events

US retail sales posted a 0.7% mom increase in March, above market expectations. Data for January-February was revised higher, pointing to solid growth in Q1 2024.

Releases due today (16 April 2024)

In China , Q1 GDP is expected to rise 1.5% qoq after a 1.0% qoq increase in Q4 2023. Retail sales should remain firm in March after rising 5.5% yoy in January-February, and industrial production is forecast to stay solid in March following a 7.0% yoy gain in January-February.

In the UK, the ILO unemployment rate should nudge higher to 4.0% in the three months to February, from 3.9% in the three months to January, with underlying average earnings moderating.

US housing starts should fall in February after January’s 10.7% mom weather-related surge.

Related Insights

Investment Monthly: Increasing equity allocation on synchronised policy pivot  

Thematic Videos: Unlocking investment trends with Financial Times  

Special Coverage: Dovish Fed comments boost markets despite recent inflation concerns  

Investment Outlook: HSBC Perspectives Q2 2024  

This document has been issued by The Hongkong and Shanghai Banking Corporation Limited (the "Bank") in the conduct of its regulated business in Hong Kong and may be distributed in other jurisdictions where its distribution is lawful. It is not intended for anyone other than the recipient. The contents of this document may not be reproduced or further distributed to any person or entity, whether in whole or in part, for any purpose. This document must not be distributed to the United States, Canada or Australia or to any other jurisdiction where its distribution is unlawful. All non-authorised reproduction or use of this document will be the responsibility of the user and may lead to legal proceedings.

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The information stated and/or opinion(s) expressed in this document are provided by HSBC Global Asset Management Limited. We do not undertake any obligation to issue any further publications to you or update the contents of this document and such contents are subject to changes at any time without notice. They are expressed solely as general market information and/or commentary for general information purposes only and do not constitute investment advice or recommendation to buy or sell investments or guarantee of returns. The Bank has not been involved in the preparation of such information and opinion. The Bank makes no guarantee, representation or warranty and accepts no responsibility for the accuracy and/or completeness of the information and/or opinions contained in this document, including any third party information obtained from sources it believes to be reliable but which has not been independently verified. In no event will the Bank or HSBC Group be liable for any damages, losses or liabilities including without limitation, direct or indirect, special, incidental, consequential damages, losses or liabilities, in connection with your use of this document or your reliance on or use or inability to use the information contained in this document.

In case you have individual portfolios managed by HSBC Global Asset Management Limited, the views expressed in this document may not necessarily indicate current portfolios' composition. Individual portfolios managed by HSBC Global Asset Management Limited primarily reflect individual clients' objectives, risk preferences, time horizon, and market liquidity.

The information contained within this document has not been reviewed in the light of your personal circumstances. Please note that this information is neither intended to aid in decision making for legal, financial or other consulting questions, nor should it be the basis of any investment or other decisions. You should carefully consider whether any investment views and investment products are appropriate in view of your investment experience, objectives, financial resources and relevant circumstances. The investment decision is yours but you should not invest in any product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives. The relevant product offering documents should be read for further details.

Some of the statements contained in this document may be considered forward-looking statements which provide current expectations or forecasts of future events. Such forward looking statements are not guarantees of future performance or events and involve risks and uncertainties. Such statements do not represent any one investment and are used for illustration purpose only. Customers are reminded that there can be no assurance that economic conditions described herein will remain in the future. Actual results may differ materially from those described in such forward-looking statements as a result of various factors. We can give no assurance that those expectations reflected in those forward-looking statements will prove to have been correct or come to fruition, and you are cautioned not to place undue reliance on such statements. We do not undertake any obligation to update the forward-looking statements contained herein, whether as a result of new information, future events or otherwise, or to update the reasons why actual results could differ from those projected in the forward-looking statements.

Investment involves risk. It is important to note that the capital value of investments and the income from them may go down as well as up and may become valueless and investors may not get back the amount originally invested. Past performance contained in this document is not a reliable indicator of future performance whilst any forecasts, projections and simulations contained herein should not be relied upon as an indication of future results. Past performance information may be out of date. For up-to-date information, please contact your Relationship Manager.

Investment in any market may be extremely volatile and subject to sudden fluctuations of varying magnitude due to a wide range of direct and indirect influences. Such characteristics can lead to considerable losses being incurred by those exposed to such markets. If an investment is withdrawn or terminated early, it may not return the full amount invested. In addition to the normal risks associated with investing, international investments may involve risk of capital loss from unfavourable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability in certain jurisdictions. Narrowly focused investments and smaller companies typically exhibit higher volatility. There is no guarantee of positive trading performance. Investments in emerging markets are by their nature higher risk and potentially more volatile than those inherent in some established markets. Economies in emerging markets generally are heavily dependent upon international trade and, accordingly, have been and may continue to be affected adversely by trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated by the countries with which they trade. These economies also have been and may continue to be affected adversely by economic conditions in the countries in which they trade. Mutual fund investments are subject to market risks. You should read all scheme related documents carefully.

Copyright © The Hongkong and Shanghai Banking Corporation Limited 2024. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of The Hongkong and Shanghai Banking Corporation Limited.

Issued by The Hongkong and Shanghai Banking Corporation Limited