Skip page header and navigation Flexibility and preferred rewards Welcomed and accepted at over 30 million establishments worldwide, your HSBC MasterCard® lets you experience the world and earn the credit card rewards you deserve EMERGENCY TRAVEL & MEDICAL PROTECTION Key features and benefits: Exclusively for HSBC Premier clients Choose from two rewards programs: HSBC Premier World Rewards or HSBC Premier World Cash Back Rewards Inclusive Travel and Medical insurance1 Low interest rate and no annual credit card membership fee Special discounts and offers with HSBC Premier Privileges With the HSBC Premier World Rewards Program, convert Rewards Points into travel miles of participating airline/travel reward programs Eligibility for HSBC Premier is subject to meeting qualification requirements. Click here for details. How to Apply for an HSBC Premier World MasterCard Choice of rewards programs: select from HSBC Premier Rewards or HSBC Cash Back Rewards
Low interest rate and no annual fee With the HSBC Premier Rewards Program, convert Rewards Points for travel miles of participating airline/travel reward programs How to Apply for an HSBC Premier MasterCard HSBC ADVANCE RELATIONSHIP BONUS Only available to HSBC Advance customers HSBC Advance Relationship Bonus Choice of valuable rewards programs HSBC Advance Rewards Program or HSBC Advance Cash Back Rewards Program No annual card membership fee MasterCard Tap & GoTM Eligibility for HSBC Advance is subject to meeting qualification requirements. How to Apply for an HSBC Advance MasterCard SIGN UP FOR REWARDS Choose from two valuable rewards programs: HSBC Personal Rewards or HSBC Cash Back Rewards for an annual fee of $35 per card issued on your HSBC MasterCard account Customize your card with optional products and services that meet your everyday needs Lower your annual interest rate with the Low Rate option for an annual fee of just $25 (not available in Quebec)
How to Apply for an HSBC MasterCard EXCLUSIVE TRAVEL & MERCHANDISE REWARDS CONVERT REWARDS POINTS TO SAVINGS Key features and benefits The HSBC Rewards Program is tailored to suit the needs of every cardholder Each HSBC MasterCard account holder has the option of selecting either a travel & merchandise rewards program or cash back program If you select cash back rewards, the cash back rebate is credited to your HSBC MasterCard account automatically in January of each year Travel & merchandise rewards include Book Your Own Travel, over 150 gift cards and merchandise and the option to redeem Points to pay down your residential mortgage The HSBC MasterCard Rewards Program is available at no additional fee for HSBC Premier clients and HSBC Advance clients Other HSBC MasterCard cardholders have the option of enrolling in the HSBC Rewards Program for an annual fee of $35 per card Full rates and fees are available for each Card product. Click 'Full Details' for more information.
Not sure which card is right for you? Review the comparison chart to find the HSBC MasterCard features and benefits that are most important to you. Each HSBC MasterCard® is embedded with advanced technology to ensure your transactions are secure and convenient, whether you are shopping in person or online. Take advantage of additional account security and optional services, such as protection from identity theft and Travel and Medical insurance for cardholders. Automatically make your monthly payment from any chequing or savings account at any financial institution in Canada.Full details Schedule a branch appointment with an HSBC representative. ®/TMMasterCard is a registered trademark and Tap and Go is a trademark of MasterCard International Incorporated. Used pursuant to license. 1Insurance coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and American Bankers Insurance Company of Florida (ABIC). ABLAC, ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant Solutions®.
®Assurant Solutions is a registered trademark of Assurant, Inc. Details of coverage, including definitions, benefits, limitations, and exclusions, are in the Certificate of Insurance provided with your card. Read the Certificate of Insurance then keep it in a safe place with your other valuable documents, and take it with you when you travel. Return to page header Middle East & Africa Return to page header This form is secure. Click here for details.The Personal Health Navigator is available to all Canadian patients. Questions about your doctor, hospital or how to navigate the health care system can be sent to AskPaul@Sunnybrook.ca Question: My grandmother came to visit me in Alberta from her home in Ontario. During her stay, she had a stroke and was paralyzed on the left side of her body. She is currently at a hospital in Edmonton. Now the big issue comes down to the mighty buck: Who will pay for the air transfer back to Ontario? She has been told that she should have bought health insurance and she is responsible for the cost.
It was my belief that, as long as you are a Canadian citizen, the health care system looks after you. Aren’t your health care costs covered when you’re in another province? Answer: Unfortunately, only some medical expenses are covered when you are in another province. If you need to be seen by a doctor or visit a hospital emergency department, then your home province will pay for those services. But any extras – such as an air ambulance flight back home – are not included. “Typically this coverage is for medically-necessary insured physician and hospital services only,” David Jensen, a spokesperson for the Ontario Ministry of Health and Long-Term care, explained in an email. “Therefore, when travelling outside of Ontario but within Canada, the ministry recommends that you obtain private supplementary health insurance for non-physician, non-hospital and uninsured services.” Mr. Jensen’s advice may come as a surprise to you and other Ontario residents.
After all, most people know they may need supplemental health insurance when going abroad. But many Canadians don’t realize they may need to buy private health insurance when travelling within their own country. We tend to think of Medicare as a national program. And under the federal Canada Health Act, Canadian citizens are entitled to medically necessary services regardless of where they are in the country. But the administration of health care is a provincial responsibility under our Constitution. That means we have separate programs for each of the provinces and territories. There are interprovincial agreements that enable Canadians to receive medical treatment outside of their home province. However, as you have discovered, there are gaps in the coverage. Without private insurance, you could find yourself on the hook for some unexpected expenses. So, you might ask, what specific services are covered by these interprovincial agreements? The answer is best summed up by the term “medically necessary.”
For example, if you are experiencing a heart attack or have been in a serious accident and need immediate medical attention, then those expenses are covered. That would include a stay in a publicly funded hospital and any tests or procedures you may need while you’re a hospital patient. In order to ensure your home province picks up the tab, Mr. Jensen says you must show your provincial health card when you go through the hospital’s registration process. In most cases, the hospital will send your medical bills to the Ontario Ministry of Health for payment. But a doctor may bill you directly. Physicians in other provinces have two options when treating a patient from Ontario: They can send their invoice to the Ontario Ministry of Health or they can ask the patient to pay. If the doctor gives you the bill, you can seek reimbursement later by submitting the original receipt(s) to the ministry. But there is a catch – the reimbursement will be based on the rates listed in the Ontario Schedule of Benefits for Physicians Services.
In other words, Ontario will compensate you up to the rate normally paid to an Ontario physician for performing the same service. So, if the doctor charges above the Ontario rate, you’re going to be out of pocket the difference. (Of course, if the doctor charges less than the Ontario rate, then you’ll get back the amount you were billed.) Mr. Jensen also points out that Ontario won’t cover payments made to health care centres or hospitals that are private. It must be a publicly funded facility. You can verify, in advance, whether it’s publicly-funded or private by calling the ministry’s toll-free number: 1-888-359-8807. Mr. Jensen has one last bit of advice for Ontarians travelling to other provinces – if you need medical assistance “ensure that you keep copies of all your receipts.” It’s also worthwhile mentioning that some people have extended health coverage through their workplace as part of an employee-benefit program. As well, certain credit cards provide various forms of health and travel insurance.