HL Rewards+ is HL Assurance’s customer loyalty programme that recognises and rewards eligible customers for their continued trust and support. As you purchase and maintain eligible insurance policies, you can enjoy exclusive member benefits, rewards, and offers.

There’s nothing you need to do.

If you own eligible HL Assurance policies, you’ll automatically be enrolled into the programme and assigned a membership tier.

No.

HL Rewards+ is complimentary for eligible HL Assurance customers.

Simply log in to your Customer Portal or the HL Assurance Mobile App to view your current membership tier, available rewards, and membership benefits.

Your membership tier is based on your eligible policies and/or qualifying premium with HL Assurance. Your tier may be reviewed periodically based on your policy portfolio and programme eligibility requirements.

Yes.

Your membership tier may be upgraded or adjusted if your eligible policies or qualifying criteria change.

Continue growing your protection with eligible HL Assurance products.

The more eligible products you own and maintain, the closer you’ll be to unlocking additional membership benefits.

Benefits vary depending on your membership tier and may include:

• Exclusive member promotions
• Birthday rewards
• Lifestyle partner offers
• Referral rewards
• Annual appreciation rewards
• Priority member privileges

Benefits may change from time to time.

Available rewards can be viewed after logging in to your Customer Portal or the HL Assurance Mobile App under your Rewards Wallet.

Yes.

We’ll notify you through one or more of the following channels:

• Email
• Mobile App Push Notifications
• Customer Portal
• SMS (where applicable)
• WhatsApp (where applicable)

Some rewards may have an expiry date.

Please refer to the individual reward details shown in your Rewards Wallet for the applicable redemption period.

No.

Membership status, rewards, and benefits are personal to the registered policyholder and cannot be transferred, sold, or exchanged unless otherwise stated.

Eligible products may vary from time to time.

Please refer to the latest list of qualifying products available within your Customer Portal or on this website.

Cancelling or terminating an eligible policy may affect your membership eligibility, tier status, or benefits.

Eligible members may receive referral rewards when a successful referral meets the programme requirements.

Specific referral campaigns and qualifying criteria will be communicated separately.

Our Customer Service team will be happy to assist you.

Contact us via:

• Customer Portal
• Mobile App
• Customer Hotline
• Email

HL Rewards+ (“Programme”) is a customer loyalty programme operated by HL Assurance Pte. Ltd. (“HL Assurance”).

Participation in the Programme is subject to these Terms & Conditions.

Membership is available only to customers who hold eligible HL Assurance insurance policies.

HL Assurance reserves the right to determine programme eligibility at its sole discretion.

Membership is complimentary.

Eligible customers will automatically be enrolled into the Programme and assigned a membership tier.

Separate registration is not required.

The Programme consists of multiple membership tiers.

Membership tier qualification is determined based on criteria established by HL Assurance, including but not limited to:

• Eligible policies held
• Premium value
• Policy status
• Other qualifying requirements

HL Assurance may review and update membership tiers periodically.

Benefits are offered based on membership tier.

Benefits may include but are not limited to:

• Rewards
• Vouchers
• Promotions
• Lifestyle privileges
• Referral incentives
• Birthday rewards
• Partner offers

Benefits are not exchangeable for cash unless otherwise stated.

Rewards are subject to individual redemption terms.

Certain rewards may:

• expire after a specified period;
• have limited quantities;
• require minimum qualifying criteria;
• be subject to merchant terms and conditions.

Expired rewards will not be reinstated.

HL Assurance may review membership status at any time.

Customers may be upgraded or reassigned to another membership tier based on programme eligibility.

Changes to eligible insurance policies, including cancellation, lapse, termination, endorsement, or non-renewal, may affect membership eligibility and available benefits.

Referral campaigns are subject to separate promotional terms.

Referral rewards will only be issued after all qualifying conditions have been fulfilled.

By participating in the Programme, customers agree to receive programme-related communications through channels including:

• Email
• Customer Portal
• Mobile App
• Push Notifications
• SMS
• WhatsApp
• Other digital communication channels

Marketing preferences will continue to apply in accordance with applicable laws.

HL Assurance reserves the right to:

• modify programme benefits;
• amend membership tiers;
• change eligibility criteria;
• introduce new rewards;
• withdraw existing rewards;
• revise programme mechanics;
• suspend or terminate the Programme,

at any time without prior notice where reasonably necessary.

HL Assurance may suspend or terminate membership where fraudulent activity, abuse, misuse, or behaviour inconsistent with the Programme is identified.

Any rewards obtained through fraudulent means may be forfeited.

HL Assurance shall not be liable for:

• unavailable rewards;
• merchant-related disputes;
• technical interruptions;
• delayed communications;
• system outages beyond its reasonable control.

Certain rewards may be provided by third-party merchants.

Such offers are subject to the respective merchant’s terms and conditions.

HL Assurance is not responsible for the goods or services supplied by third-party merchants.

Personal data collected or used for the Programme will be handled in accordance with HL Assurance’s Privacy Policy and applicable data protection laws.

In the event of any dispute relating to the Programme, membership eligibility, rewards, or interpretation of these Terms & Conditions, the decision of HL Assurance shall be final.

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of Singapore.