Choose protection that pays from the start, so you’re covered for cancers, heart attack, and stroke right when it matters most
Receive 100% of your sum insured upon diagnosis of a covered critical illness.
Get additional 20% payout of your sum insured if admitted to the ICU for at least 4 days.
Start anytime from age 18–65, and renew your coverage all the way up to age 99.
Early Protect360 Plus is a simple, single-pay early critical illness plan that pays a lump sum cash benefit on diagnosis – giving you flexible financial support and peace of mind while you recover.
A lump sum payout you can use for anything – income gaps, home bills, childcare – not just hospital bills, so your life can keep on going.
From early-stage cancers to advanced conditions like cancers, heart attack, and stroke, Early Protect360 ensures you’re covered when life’s biggest health risks strike.
Pick the sum insured that matches your needs and budget – choose from $50,000 to $300,000.
No medical exam needed. Just answer 3 health questions and get covered in minutes.
| Sections | Coverage | Maximum Benefit Payable ($) |
|---|---|---|
| A | Critical Illness Benefit Early Stage Critical Illness & Advanced Stage Critical Illness + Angioplasty & Other Invasive Treatment for Coronary Artery 10% of Sum Insured (max up to S$25,000) |
100% of Sum Insured
(Coverage Options: $50,000 to $300,000) |
| B | Extra ICU Benefit
Additional cash if you’re in the ICU for 4+ consecutive days in one admission |
20% of Sum Insured (max up to S$25,000)
Important: This top-up does not reduce your critical illness cover |
For more information on coverage, exclusions, and other terms and conditions, please refer to our Product Summary and Policy Wordings.
Q: What is the difference between Early Protect360 Plus and Early Protect360?
A: The Early Protect360 Plus is an enhanced version of the previous Early Protect360, offering new and upgraded benefits as such:
Q: Who is eligible to be insured under Early Protect360 Plus?
A: You can apply for this Policy if you are between the ages of 18 to 65 years old. The policy is renewable up to 99 years of age and will terminate when the Insured Person attains 100 years of age. You must be a Singapore Citizen, Singapore Permanent Resident, or a foreigner holding a valid pass issued by the Singapore government and residing in Singapore.
Q: Is Early Protect360 Plus a renewable plan?
A: Yes, it can be renewed by paying the required premiums, up until the Insured Person reaches the maximum renewable age of 99 years old. Your policy will be reviewed and premium rates may change at the policy renewal date.
Q: What is the maximum coverage I can purchase under Early Protect360 Plus?
A: You can purchase up to $300,000 worth of coverage under Early Protect360 Plus.
Q: Is there a free-look period?
A: Yes, there is a fourteen (14) day free-look period from the date of delivery of the policy. During this period, if you decide not to take up the policy, we will refund the premiums paid unless something has occurred for which a claim may be payable.
Q: Do I need to go for a medical check-up?
A: A medical check-up is not required for this policy. You will, however, be required to answer a 3-question health declaration to find out if you are eligible to purchase Early Protect360 Plus.
Q: How does the ICU benefit work?
A: In the event you are admitted to the Intensive Care Unit (ICU) and treated with continuous life support devices for four (4) consecutive days or more. We will pay 20% of the Benefit Limit, subject to a maximum of $25,000. This benefit can only be claimed once during the period of insurance. The payment of ICU Benefits will not reduce the Benefit Limit amount.
Q: How do I make a claim under Early Protect360 Plus?
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.
Q: What are the Terms and Conditions for Early Protect360 Plus?
A: Please refer to the full Terms and Conditions for Early Protect360 Plus here.
Q: What if I want to be covered for more critical illness conditions?
A: Early Protect360 Plus is designed as an essential critical illness plan. It focuses on a clear list of 9 early stage conditions and 8 advanced conditions (including cancers, heart attack and stroke), which helps keep premiums affordable. If you prefer broader conditions coverage, consider our Critical Illness Protect360 plan, which covers 37 severe-stage critical illnesses. Learn more at Critical Illness Protect360.
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