SAFEGUARD AGAINST ONLINE FRAUD
FROM AS LOW AS $18.34^

Upgrade to Fraud Protect360 Plus to enjoy more benefits and greater sum assured

Unauthorised
Transactions

Protect against cyber fraud via emails, text messages and WhatsApp.

Non-Delivery
of Goods

If online purchase fails to arrive within 60 days.

Cyber
Extortion

If you were threaten to make an online payment.

Covers
Restoration Cost

Covers costs to locate and remove virus and restore the data.

Identify

Identity
Theft

Covers expenses incurred to re-establish your reputation.

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

3 REAL-LIFE EXPERIENCES YOU MAY ENCOUNTER

Process flow of person who bought online but did not receive goods
Process flow of person who bought online but did not receive goods
Process flow of a hacker who gained your personal bank details and made unauthorised cash withdrawal
Process flow how a person may demand payment due to unauthorized access to system containing your personal information.

GET 20% OFF
AND ENJOY PEACE
FOR 365 DAYS

For a limited time only, get yearly plan & enjoy greater savings, including Personal Accident coverage.

Spouse Discount Icon

Couples Save More

20% + 10% OFF*
Purchase together with your spouse allows you to take advantage of additional discounts, we’re helping you keep more money in your pockets.

*For Yearly Plan. Discount applies to individual and spouse purchase on yearly premium. View full terms here.

BOTH PLANS HAVE GONE WILD

Fraud Protect360 PLUS
Gold
From $18.34^
Platinum
From $29.35^
MONTHLY (SINGLE) - -
MONTHLY (WITH SPOUSE) 10% OFF 10% OFF
YEARLY (SINGLE) 20% OFF 20% OFF
YEARLY (WITH SPOUSE) 20% + 10% OFF* 20% + 10% OFF*

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

*For Yearly Plan. Discount applies to individual and spouse purchase on yearly premium. View full terms here.

EXCLUSION SCENARIOS

Love Scam Icon

Love Or Confidence Scam

HALS Corporate Icon

Corporate Or Business Transaction Fraud

HLAS e-Communications Icon

Scams That Did Not Originate From Email, SMS or WhatsApp

HLAS Bank Icon

Reimbursable Fraud Loss

THE BENEFIT DOESN’T END HERE

Get MORE coverage with these Personal Accident inclusions:

Accidental Death & Permanent Disablement

Accidental Death & Permanent Disablement

Get covered up to the benefit limit.

Accidental Medical Reimbursement

Accidental Medical Reimbursement

Covers Dengue, Malaria & HFMD or infectious diseases.

Hospital Cash Benefit

Hospital Cash
Benefit

Cash allowance if insured is hospitalised due to injury.

Hospital Cash
Benefit (ICU)

Get cash benefit in the event of ICU confinement.

Emergency Medical Transportation

Emergency Medical
Transportation

For expenses related to ambulance services due to an accident.

OUR ALL-STAR PLANS

Fraud Protect360 PLUS
Gold Platinum
Online Shopping Fraud Up to $10,000 Up to $10,000
Cyber Fraud
Cyber Extortion
Restoration Costs
Identity Theft
Accidental Death and Permanent Total Disablement Up to $100,000 Up to $200,000
Accidental Medical Reimbursement Up to $2,500 Up to $5,000
Hospital Cash Benefit Each hospitalised day is $50

Up to a max of 180 days

Each hospitalised day is $75

Up to a max of 180 days

Hospital Cash Benefit – ICU Each hospitalised day is $100

Up to a max of 30 days

Each hospitalised day is $150

Up to a max of 30 days

Emergency Medical Transportation Up to $1,500 Up to $3,000

BUY NOW

Fraud Claim information

NEED TO FILE A FRAUD CLAIM?

Click on the link here to find out the process to submitting your claims.
Please provide the necessary documents required to ensure a smooth claim process.

Frequently Asked Questions

Q: Can I purchase more than one Fraud Protect360 Plus plan?

A: Yes, you can purchase up to two (2) Fraud Protect360 Plus plans; either Silver and Gold or Silver and Platinum plans.

Q: Who is covered under Fraud Protect360 Plus?

A: You as an individual or You and your spouse as described in the policy schedule. The policy does not extend to other family members.

Q: Who is eligible to be insured under Fraud Protect360 Plus?

A: You must be between the ages of eighteen (18) to sixty-five (65) years old. You must also be a Singapore Citizen, Singapore Permanent Resident, or a foreigner holding a valid pass issued by the Singapore government and residing in Singapore.

Q: What is covered under Fraud Protect360 Plus?

A: It covers Online Shopping Fraud, Cyber Fraud, Cyber Extortion, Restoration Costs and Identity Theft. It also covers Personal Accident benefits such as Accidental Death and Permanent Total Disablement, Accidental Medical Reimbursement, Hospital Cash Benefit, Hospital Cash Benefit – ICU and Emergency Medical Transportation.

Q: What is not covered under Fraud Protect360 Plus?

A: Refer to the below key exclusions:

  • Love or Confidence Scam, or Face to face ransom
  • Online Gambling and Online Auction
  • Corporate or Business Cyber Liability, Cyber Operation
  • Digital Currency
  • Maintenance Costs
  • Legal Proceedings (without HLAS consent)
  • Reimbursable Fraud Loss (Any financial loss that is reimbursable by Your Personal Account, Payment Card company, bank or other financial institution.)

Exclusions of Fraud Protect360 Plus, please refer to section “Exclusions Applicable To Cyber” on page 6 of the policy wordings here.

Q: What are the policy wordings for Fraud Protect360 Plus?

A: Please refer to the full Policy Wordings for Fraud Protect360 Plus here.

Q: Does the policy cover corporate cyber attacks?

A: No, it only covers personal/individual cyber events.

Q: What is covered under Online Shopping Fraud?

A: It covers situations where you purchased goods from an online merchant but the goods were not delivered and the merchant did not provide a refund or remedial action within 60 days

Q: What is covered under Cyber Fraud?

A: It covers the following Cyber Fraud events:

  • The fraudulent electronic transfers of funds from Your Personal Account by a Third Party;
  • Fraudulent transfer of funds or property from Your Personal Account to a Third Party after being defrauded with the first e-communication via Email, SMS or WhatsApp
  • The fraudulent unauthorised use of or electronic transfer of funds stored in Your personal Digital Wallet held by an Online Merchant

Q: What is covered under Cyber Extortion?

A: It covers extortion payments made to a third party due to cyber extortion threat, as well as fees for experts appointed to advise or respond to the threat.

Q: What is covered under Restoration Cost?

A: It covers the costs to investigate, repair damage, retrieve or replace digital assets, remove malware, and restore your computer system after unauthorised access, or malware infection by a third party.

Q: What is covered under Identity Theft?

A: It covers reasonable expenses and legal costs incurred to re-establish your reputation such as correcting or reinstating public records, dismissing or withdrawing civil or criminal records, enrolment and registration support for single credit monitoring or copying charges and registered mail postage for sending the required documentation and loan reapplication (if any) after an identity theft event involving online theft or misuse of your personal data by a third party to commit fraud.

TERMS AND CONDITIONS

Fraud Protect360 Plus Monthly Spouse, Annual And Annual Spouse Plan Terms and Conditions

  • The promotion is held from now until 30 June 2024.
  • Monthly Spouse Plan
    Eligible customers who successfully purchase any Fraud Protect360 Plus, Gold or Platinum Monthly Plan policies with Yourself and Spouse during the Promotion Period will be entitled to 10% discount.
  • Annual Plan
    Eligible customers who successfully purchase any Fraud Protect360 Plus, Gold or Platinum Annual Plan policies during the Promotion Period will be entitled to 20% discount.
  • Annual Spouse Plan
    Eligible customers who successfully purchase any Fraud Protect360 Plus, Gold or Platinum Annual Plan policies with Yourself and Spouse during the Promotion Period will be entitled to an additional 10% off on top of the 20% discount for Annual Plan.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personal-insurance/fraud-protect360-plus.
  • New purchases refer to purchases via HL Assurance website (as per stated above), and are not applicable to any purchase from HL Assurance’s agency partner.
  • 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 Travel Insurance 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.