Legal Information
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Duty of Disclosure

Privacy Notice

Security Policy

Duty of Disclosure
Before commencing this contract of insurance, you have a duty to disclose to us every matter that you know, or could reasonably be expected to know, is relevant to our decision whether to accept the risk of the insurance and if so, on what terms.  You have the same duty to disclose those matters to us before you extend or vary this contract of travel insurance.

This policy shall be void in the event of misrepresentation, incorrect description or non-disclosure or concealment of any material circumstances, such as your health conditions.  We may be entitled to avoid or reduce liability under the contract in respect of a claim.

Privacy Notice
Any personal information you provide is used by us, our service providers, and our agents to evaluate, arrange your travel insurance and administer your and our rights and obligations in relation to the insurance services, including managing, processing and investigating claims.

This personal information may be disclosed to (and received from) third parties involved in the above process, such as travel consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, legal and other professional advisers, your agents and our related companies. The use and disclosure of such personal information will be provided to third parties for the primary purposes stated above.  The personal information (but not sensitive information) may also be used for a secondary purpose, but only if you would reasonably expect us to use that information for such secondary purpose.

When you give personal information about other individuals, we and our agents rely on you to have made or make them aware:
that you will or may provide their information to us;
the types of third parties to whom the information may be provided;
the relevant purposes we and the third parties will disclose it to, will use it for; and how they can access it.

We rely on you to have obtained their consent on these matters. If you have not done or will not do either of these things, you must tell us or our agents before you provide the relevant information.  You can seek access to and correct your personal information by contacting Mondial Assistance. If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why.

Security Policy
Our secure server software encrypts all of your personal information, including credit card information. The process of encryption takes the information you enter and converts it into bits of code that are securely transmitted over the Internet. This scrambled data cannot be read as the information travels over the Internet.

Once your encrypted personal information is received by our secure server, it is translated back into its original form and stored in our off-line database. Your credit card information is also encrypted for transmission over the Internet.

For further details on our Security Policy, please click here.

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This travel Insurance offered by Hutchinson-Priceline (HK) Limited is underwritten by Tokio Marine Insurance Singapore Ltd, with services provided by Mondial Assistance.