Start with essential Personal Accident coverage and enjoy the freedom to choose from a range of add-ons to shape a plan that’s perfectly tailored to your needs.
PERSONAL ACCIDENT
Up to $500,000 in Accidental Death & Permanent Disablement
Up to $10,000 in Accident Medical Reimbursement
Up to $5,000 in Parent Support Grant
Up to 30% in
Dependent Child Cover
Up to $250 in
Daily Hospital Income
10% Spouse Discount for Family Plan
^Premium calculated is based on the monthly premium in Yearly Plan for individual.
PERSONAL ACCIDENT
TOP-UP COVERAGE
Make your plan foolproof for complete peace of mind
- Unlimited Medical Evacuation
- $5,000 in Home Modifications
- $5,000 in Dental Correction and/or Corrective Cosmetic Surgery
- Up to $1,000 in Entertainment Disruptions
- Up to $300 Weekly Benefit for Temporary Total Disablement
CHOOSE, ADD, AND SAVE
Choose comprehensive protection for you and your family by adding Home Contents, Hospital Income, and/or Annual Travel coverage. The more you add, the more you save—enjoy flexibility and greater savings with every additional plan!
HOME CONTENTS
- Up to $200,000 in Household Contents
- Up to $15,000 in Alternative Accommodation
- Free Home Concierge Services*
HOSPITAL INCOME
- $100 Daily Hospital Cash
- Triple Hospital Cash in ICU
- Free Medical Teleconsultations*
ANNUAL TRAVEL
- Up to $100,000 in Overseas Medical Expenses
- Up to $10,000 for Medical Expenses in Singapore
- Up to $13,000 in Travel Inconveniences
*Terms apply.
SPECIAL DISCOUNTS
| Spouse Discount (Personal Accident only |
Stack Discounts (applies to total Choice Protect360 premium) |
|||
|---|---|---|---|---|
| +1 Add-on Plan | +2 Add-on Plans | +3 Add-on Plans | ||
| Discount | 10% off Total Personal Accident premium |
5% off | 10% off | 15% off |
STAY SAFE,
SAVE MORE
Get up to 10% off your renewal with a
No Claim Discount* for staying claim-free all year.
*5% discount after 1 year of no claim, and a maximum of 10% after 2 or more consecutive years with no claim. View full terms here.
WHAT CHOICE PROTECT360 COVERS
Choice Protect360 Discounts Terms and Conditions
- Spouse Discount
Eligible customers who successfully purchase a Choice Protect360 Plan with spouse coverage will receive a 10% discount on the Personal Accident premium portion of their policy. - Children Coverage
Under a Choice Protect360 Plan with spouse coverage, children are included at no additional cost. However, their coverage is limited to Personal Accident benefits (For Accidental Death and Permanent Disablement, Accidental Medical Reimbursement, Mobility Aid & Ambulance Services Reimbursement) and is capped at 25% or 30% of the total sum insured, depending on the selected plan as stated in the Policy Schedule. - Add-On Plan Discount
Eligible customers who successfully purchase any Choice Protect360 Plan with Annual Travel, Home Contents and/or Hospital Income add-on plan(s) will receive the following discounts on the total premium:
| No. of Add-on Plan Purchased | Discount Off Total Premium |
| 1 | 5% |
| 2 | 10% |
| 3 | 15% |
- No Claim Discount (NCD)
For Choice Protect360 policyholder(s) who has completed the policy period of one (1) year and has no claim during the policy period will be eligible for a 5% NCD. Policyholder(s) who has completed the policy period of two (2) or more consecutive years with no claim during the policy period will be eligible for a maximum of 10% NCD upon plan renewal.
| No Claims for | No Claim Discount (NCD) |
| One (1) Year | 5% |
| Two (2) or more Consecutive Years | 10% (Maximum) |
- The discounts above are only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personal-insurance/choice-protect360 and HL Assurance Distribution Portal.
- New purchases refer to purchases via HL Assurance website (as per stated above).
- This promotion is not valid with any ongoing discounts, schemes or privileges.
- HL Assurance, at any time, at its sole discretion and without prior notice, can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
- In the event of any dispute, HL Assurance management’s decision is final.
- HL Assurance’s full disclaimers, terms, and conditions apply to individual products. © 2024 HL Assurance is a registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
- “HL Assurance” means HL Assurance Private Limited.
- HL Assurance’s Choice Protect360 is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner’s Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic, and no further action is required from you. 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 HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
Choice Protect360 Insurance Benefits And Coverage
What our Choice Protect360 Insurance Covers
| Sections | Benefits | Maximum Benefit Payable (S$) | |||
|---|---|---|---|---|---|
| Basic | Silver | Gold | Platinum | ||
| PERSONAL ACCIDENT | |||||
| PA 1 | Accidental Death & Permanent Disablement | 100,000 | 200,000 | 300,000 | 500,000 |
| PA 2 | Accident Medical Reimbursement | 2,000 | 6,000 | 8,000 | 10,000 |
| PA 3 | Mobility Aid & Ambulance Services Reimbursement | 4,000 | |||
| PA 4 | Daily Hospital Income | 50 per day | 100 per day | 150 per day | 250 per day |
| PA 5 | Purchase Protection | 5,000 | |||
| PA 6 | Bill Protector | 5,000 | |||
| PA 7 | Funeral Expenses | 5,000 | |||
| PA 8 | Parent(s) Support Grant | 1,000 | 3,000 | 4,000 | 5,000 |
| PA 9 | Dependent Child Cover | 25% of PA 1, PA 2, PA 3 |
30% of PA 1, PA 2, PA 3 |
||
| PERSONAL ACCIDENT (OPTIONAL TOP-UP) | |||||
| PA 10 | Emergency Medical Evacuation | Unlimited | |||
| PA 11 | Home Modifications | 5,000 | |||
| PA 12 | Dental Correction and/or Corrective Cosmetic Surgery | 5,000 | |||
| PA 13 | Entertainment Disruptions | 200 | 400 | 600 | 1,000 |
| PA 14 | Weekly Benefit for Temporary Total Disablement | 100 per week | 150 per week | 200 per week | 300 per week |
| HOME CONTENTS (OPTIONAL ADD-ON) | |||||
| HC 1 | Household Contents, Renovation, Fixtures and Fittings | 200,000 | |||
| HC 2 | Alternative Accommodation Expenses | 15,000 | |||
| HC 3 | Valuables Coverage | 30,000 | |||
| HC 4 | Personal Liability | 1,000,000 | |||
| HC 5 | Home Assistance Concierge Services | Included | |||
| HOSPITAL INCOME (OPTIONAL ADD-ON) | |||||
| HI 1 | Hospitalization Cash (Up to 365 days) |
100 per day | |||
| HI 2 | Triple Hospital Cash (ICU) (Up to 30 days) |
300 per day | |||
| HI 3 | Recuperation Benefit (Up to 30 days) |
50 per day | |||
| ANNUAL TRAVEL (OPTIONAL ADD-ON) | |||||
| AT 1 | Overseas Medical Expenses | 100,000 | |||
| AT 2 | Medical Expenses in Singapore | 10,000 | |||
| AT 3 | Emergency Medical Evacuation | Unlimited | |||
| AT 4 | Trip Cancellation | 10,000 | |||
| AT 5 | Travel Delay | 1,000 | |||
| AT 6 | Baggage Delay | 1,000 | |||
| AT 7 | Loss or Damage to Baggage and Personal Effects | 1,000 | |||
| AT 8 | Worldwide Personal Liability | 1,000,000 | |||
For full coverage, exclusions and other terms and conditions, please refer to the Policy Wording.
Click here for the Benefits Table (PDF).
FAQs
Frequently Asked Questions for Choice Protect360 Insurance
A: You are eligible to purchase this Policy if You are between the ages of eighteen (18) and sixty-five (65) years old. You must be a Singapore citizen, Singapore permanent resident, expatriate or foreigner who holds a valid pass and is ordinarily residing in Singapore.
A: Yes, the main policyholder must be between 18 and 65 years old at the start of the policy, renewable up to 70 years. For children, coverage is from 1 to 18 years old, or up to 25 if studying full-time. Age calculated as at last birthday.
A: Choice Protect360’s key benefits are:
- Up to $500,000 coverage in the event of Accidental Death and Permanent Disablement
- No Claim Discount of up to 10% of the premium
- Up to $10,000 of Accidental Medical Reimbursement (including infectious diseases)
- Up to $250 Daily Hospital Income in the event that you sustain injury and was hospitalized
- Purchase Protection of $5,000 and free dependent child cover (for Accidental Death and Permanent Disablement, Accidental Medical Reimbursement, Mobility Aid & Ambulance Services Reimbursement)
A: You can find out about our exclusions for Choice Protect360 here.
A: You can receive a 5% discount after one (1) year of no claim, and a maximum of 10% after two (2) or more consecutive years with no claim.
A: Yes, unmarried children who are between 1 to 18 years old (or up to 25 years old if studying full time) will be covered for free, as long as a Family Plan is purchased.
A: Yes. When you opt for a family plan with spouse coverage, you’ll enjoy a 10% discount on the Personal Accident premium. Plus, your child(ren) is automatically covered at no additional cost for Personal Accident benefits (for Accidental Death and Permanent Disablement, Accidental Medical Reimbursement, Mobility Aid & Ambulance Services Reimbursement).
A: You can submit the claim form, along with the supporting documents by fax to 6224 1923, email to claims@hlas.com.sg or post it to HL Assurance’s office at 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057. To file a travel insurance claim, you may submit your claims online.
Claims
Malaysia
Hong Kong