Terms and Conditions for Lost Card Liability & Online Fraud Protection

General Terms & Conditions:

• All insurance benefits listed are provided directly to Credit Cardholders by ICICI Lombard General Insurance Company Ltd., whose terms, conditions and decisions, for which the bank is not liable, shall apply.
• HSBC does not hold any warranty and/or make representation about quality, delivery of the cover, claims processing or settlement of the claim by ICICI Lombard General Insurance Company Ltd. in any manner whatsoever.
• Claims for settlement to be sent directly to ICICI Lombard General Insurance Company Ltd.
• The insurance benefits are available to you regardless of other existing insurance that you may avail of. You may be asked to submit additional documents, as per the requirements of the case.
• The Bank will not be liable for any delayed settlement of claims.
• Both the above covers are reimbursable.
• Reimbursement would be restricted to the lower of loss incurred and maximum sum insured.
• For any further queries or assistance related to the policy, exclusions and claim settlements you can call on 1800-209-8888 (ICICI Lombard toll free) or you can write to:
• The Customer Service Manager, P A Claims Department, ICICI Lombard GIC Ltd.
• TGV Mansions, 5th and 6th Floor, Khairatabad, Above ICICI Bank, Hyderabad - 500 004.

Lost Card Liability* Cover Terms and conditions:

• The Policy covers all fraudulent utilization of lost or stolen HSBC Platinum Credit Cards at Point of Sale and Merchant Establishments
• The cover is valid for 24 hours prior to reporting and 7 days post reporting.
• Pre-delivery Frauds are not covered.
• All Pin based transactions are not covered.
• Claim should be registered by the cardholder within a maximum period of 30 days from the date of FIR filed for the loss of the card.
• As an HSBC Platinum credit Cardholder, you always had nil lost card liability after you have reported and registered the loss of your Platinum credit card to HSBC. Now you are also covered for misuse of your HSBC Platinum Credit Card for the period of 24 Hrs before reporting and registering the loss with HSBC and ICICI Lombard for up to Rs.300,000.

Online Fraud Protection* Cover Terms and conditions:

• The Policy covers all fraudulent utilization of lost or stolen HSBC Platinum Credit Cards.
• Claims should be reported and registered within 15 days from the statement period end date, mentioned on the credit card statement bearing details of the fraudulent transactions.
• Counterfeit cards are not covered.
• In the unfortunate event of a misuse / fraud for an online transaction on your HSBC Platinum Credit Card, you will be covered for upto Rs.300,000. However, you need to report & register the misuse within 15 days from the statement period end date, mentioned on the credit card statement bearing details of the fraudulent transactions.

* All insurance benefits listed above are provided directly to Credit Cardholders by ICICI Lombard General Insurance Company Ltd., whose terms, conditions and decisions, for which the bank is not liable, will apply. Claims for settlement to be sent directly to ICICI Lombard General Insurance Company Ltd. All insurance benefits on the Credit Card are available to valid primary Cardholders only.