THE ONLY GENERAL INSURANCE YOU WILL NEED

Start with a comprehensive Personal Accident coverage and enjoy the freedom to choose from a range of dynamic add-ons
to shape a plan that’s not only affordable, but perfectly tailored to your needs and lifestyle.


THE ULTIMATE ACCIDENT PROTECTION PLAN

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

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

^Premium calculated is based on the monthly premium in Yearly Plan for individual.

HLAS-choice-personal-accident-img1

WE GO BEYOND THE BASICS FOR YOU

Make your Personal Accident plan completely foolproof for your peace of mind with these top-up coverage

  • 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

MAXIMISE YOUR SAVINGS WITH OUR STACKED DISCOUNTS

The more add-ons you buy, the more you save!

With Spouse

With Add-On Plan(s)

With No Claim Discount*

With Add-On Plan(s)

With Spouse

With No Claim Discount*

Limited-Time Offer

*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.

OUR BEST-IN-CLASS ADD-ONS

HOME CONTENTS

Protects your belongings from theft, fire, or water damage with
up to $200,000 in Household Contents coverage, saving you from
costly repairs or replacements.

HOSPITAL INCOME

Provides you with daily cash benefits during hospitalization, helping cover unexpected expenses. Ensuring financial stability so you can focus on recovery without worrying about lost income.

ANNUAL TRAVEL

Protects you from unexpected costs like medical emergencies, trip cancellations, or lost luggage on any trip throughout the year. It offers peace of mind, ensuring you’re covered no matter where or how often you travel.

*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 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
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).

Choice Protect360 Terms and Conditions

To view full details on Choice Protect360 $30 Shopee Voucher Launch Promotion Terms and Conditions, click here.

  • 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.
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