SmartTraveller is underwritten by AXA Insurance Pte Ltd. and distributed by HSBC Bank (Singapore) Limited ("HBSP"). Coverage for your policy is automatic and no further action is required from you. It is not an obligation of, deposit in or guaranteed by HBSP. This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact AXA Insurance Pte Ltd. or visit the GIA or SDIC web-sites (www.gia.org.sg or www.sdic.org.sg). Please always check with the merchant on the validity of the promotion before purchase.