Could you Get HSBC travel Insurance without paying or Maintaining a certain Balance?

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A few people confirmed that they could get HSBC premier account without paying fee, presumably no need to maintain high balance that pay no interest in that account (?)
It is true that HSBC does not automatically upgrade you but it is basically a free upgrade (does not carry a monthly fee) that does offer some few perks, notably a full family world wide travel insurance, that does not cost few pennies at all
I prefer not want to hijack the previous thread, so asking in this new thread. Also not because I do not believe what have been said by the posters, just try to find out how to get that.HSBC Premier offers:
1. An interest free overdraft.
2. Its a very good family insurance policy.
3. You also get better customer service; and 4. Better rewards/benefits on a HSBC Premier credit card... among other benefits
all for free.
I wonder how many people out-there get this premier account for Free from HSBC ??
Did you also get HSBC premier account entitle you for Free worldwide travel insurance without paying monthly fee or maintaining a certain balance in the account that pay no interest ? If you could what did you do to increase the chance to get free travel insurance.
I am already. aware that multi trips travel insurance cost less than £100, a few are even got be gotten for £50 if not pre Existing medical history
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https://www.hsbc.co.uk/current-accounts/products/premier/day-to-day-banking/bank-account/
1. Income and product
Have an individual annual income of at least £75,000 and 1 of the following with HSBC UK: a mortgage, an investment, life insurance or a protection product.
2. Savings or investments
Have savings or investments of at least £50,000 with HSBC UK (within 6 months of opening your account if you're new to HSBC, or before you open your account if you're an existing customer).
3. International Premier
The poster in that thread would likely qualify under point 1 and 2.
if you qualify for their Premier criteria, you need to specifically apply for it (when I did it some years ago I had to have an appointment in branch with their Premier Relationship Manager, discuss my income via P60/Tax Return, and was upgraded there and then, including being approved for the HSBC Premier World Elite Credit Card.
the OP in the other thread also specifically declared to have earning well above £75 and £50k in saving with HSBC so it would have been a straight forward application form an upgrade under point 2 posted above (point one would have required the poster to open an additional product, like an investment account, life /home insurance or other similar products).
If you don't meet the HSBC Premier qualification criteria, they usually give you 6 months from the date of opening/upgrading your account to meet them.
If using the £50,000 savings criteria, the funds can be in any savings account, including cash and share/self select ISAs.
if you qualify on £50k saving or investments (for some it could be a rolling balance) then you do not need an additional product.
Original response:
Firstly, the OP in the other thread made it sound as the £50k was his rolling balance between current and saving accounts. He could well have other lucrative investments, and he has the needs of having such easy accessible balance. Also for what he wrote, he had a less complex banking arrangements than the majority of MSE here (basically all of his banking with HSBC, small pot with Monzo, and nothing else). For anyone in similar shoes, an upgrade to Premier would be the straight forward choice.
Anyway, as I said before, I have £100 originally invested since I opened the account years ago in GIC, that has made such a return that it is actually now grown and reinvested and still return that much.. people have £100 easily sitting in a 0% account, so are we really arguing that this is a cost or a min balance, when in fact it is making some money (better than the 2% I could get elsewhere for £100 sitting there instead)?
BTW, the product could be an home insurance, and on my last renewal HSBC was actually slightly cheaper than the one I went for (as it had other perks/rewards I was interested in and did not need an additional HSBC product for my Premier qualifying criteria, I went for the other anyway).
Now, as you keep mentioning £50-£100 cover, you made me curious and I run my scenario (family size and what HSBC cover for and I have actually made claim on) into few comparison sites, and the cheapest quote I get is £180… now there is no way that my GIC £100 could earn me £180 pa elsewhere, I am pretty satisfied that my HSBC Premier Worldwide Travel insurance is free, and this should be enough to disprove YHO.
Premier account has other benefits, for me initially the attractiveness was the Avios bonus I could get via the HSBC World Elite MasterCard, but that is also no longer the case (the card being downgraded to the free version before my next renewal date, after I got the last two years for free due to Covid).