Travel Advisory – The Ministry of Foreign Affairs has issued advisories against non-essential travel to the following destinations: Israel and the Palestinian Territories, Jordan, Iran, Iraq, Yemen, Libya, Pakistan, the Union Territory of Jammu and Kashmir (India),and Haiti. Please click here if you intend to, or have already purchased, a travel plan to any of these areas.
Get your dream holiday!
Protect you and your family with our COVIDSafe Travel Protect360.
Stand a chance to WIN a flight ticket of your choice
Choose from our Single Trip or Annual Travel Insurance Plan options.
protection in overseas medical expenses, travel delays, lost baggage and more.
01
Pre-Existing Medical Conditions
Extend your travel insurance to include overseas medical expenses and emergency medical evacuations related to pre-existing conditions (such as asthma, diabetes, or high blood pressure).
02
Reduced Flight Delay (For Every 3 Hours)
Receive payout for every 3 hours of flight delay instead of 6 hours.
03
Loss of Frequent Flyer Miles
Safeguard your hard-earned miles in the event of unexpected trip cancellations or postponement.
Enjoy Home Content Insurance at $56/year when you purchase any Annual Travel Plan.
Terms and conditions apply.
For long term protection, get a year’s worth of travel insurance at only half price today!
Terms and conditions apply.
Travel smarter, not harder! Get 55% off single trip insurance for a limited time only.
Terms and conditions apply.
Note: Swipe left or right to view the full table on your mobile screen.
| Travel Protect360 Plan Type | Any claims made against policy? | Eligible for NCD? | NCD Earned from Previous Trip | Current NCD Eligibility Amount | |
| E.g. 1 | Single | Yes | No | – | – |
| E.g. 2 | Single | No | Yes | 0% | 5% |
| E.g. 3 | Single | No | Yes | 5% | 10% |
| E.g. 4 | Single | No | Yes | 10% | 10% |
| E.g. 5 | Annual | Yes | No | – | 0% |
| E.g. 6 | Annual | No | Yes | – | 10% |
To view details to Stand to Win Bose Ultra Open Bluetooth Earbuds (29 Sep – 12 Oct 2025) Terms and Conditions, click here.
Read the full terms and conditions
Note: Swipe left or right to view the full table on your mobile screen.
| Coverage (represents the new and improved benefits) | Basic (No COVID Coverage) | Silver | Gold | Platinium |
| MEDICAL AND OTHER EXPENSES | ||||
| Overseas Medical Expenses | ||||
| Adult (age 70 years and below) | 150,000 | 250,000 | 500,000 | 750,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 100,000 | 100,000 |
| Child | 100,000 | 100,000 | 100,000 | 100,000 |
| Medical Expenses in Singapore | ||||
| Adult (age 70 years and below) | 10,000 | 15,000 | 20,000 | 25,000 |
| Adult (age above 70 years) | 1,000 | 1,500 | 2,500 | 5,000 |
| Child | 1,000 | 1,500 | 2,500 | 5,000 |
| Compassionate Visit | 3,000 | 5,000 | 10,000 | 15,000 |
| Repatriation of Mortal Remains | Unlimited | Unlimited | Unlimited | Unlimited |
| Overseas Funeral Expenses | 1,000 | 1,500 | 2,000 | 2,500 |
| Return of Minor Children | 3,000 | 5,000 | 8,000 | 10,000 |
| Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited | Unlimited |
| Overseas Hospital Cash Benefit | 10,000 | 15,000 | 20,000 | 25,000 |
| For every 24 hours | 200 | 200 | 200 | 200 |
| Hospital Cash Benefit in Singapore | 600 | 1,000 | 1,600 | 2,000 |
| For every 24 hours | 200 | 200 | 200 | 200 |
| PERSONAL ACCIDENT | ||||
| Accidental Death & Permanent Disablement | ||||
| Adult (age 70 years and below) | 200,000 | 250,000 | 300,000 | 350,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 50,000 | 50,000 |
| Child | 50,000 | 50,000 | 50,000 | 50,000 |
| Credit Card Outstanding Balance | 1,000 | 1,500 | 2,000 | 2,500 |
| Cash Relief for Death due to Accident | 3,000 | 4,000 | 5,000 | 6,000 |
| Child Education Grant | NA | 50,000 | 50,000 | 50,000 |
| Benefit per Child | NA | 5,000 | 5,000 | 5,000 |
| TRAVEL INCONVENIENCE | ||||
| Loss of Baggage and Personal Effects | 3,000 | 5,000 | 7,000 | 8,000 |
| Personal Money | 250 | 250 | 500 | 500 |
| Personal Documents | 2,000 | 3,000 | 4,000 | 5,000 |
| Emergency Phone Charges | 100 | 100 | 100 | 100 |
| Delayed Baggage | 800 | 1,000 | 1,200 | 1,500 |
| For every 6 hours while overseas | 100 | 100 | 100 | 100 |
| After 6 hours in Singapore | 100 | 100 | 100 | 100 |
| Total Limit for Family | 2,000 | 2,500 | 3,000 | 3,750 |
| Travel Cancellation | 5,000 | 7,000 | 12,000 | 15,000 |
| Total Limit for Family | 12,000 | 12,500 | 30,000 | 37,500 |
| Travel Curtailment | 3,000 | 5,000 | 8,000 | 10,000 |
| Total Limit for Family | 7,500 | 12,500 | 20,000 | 25,000 |
| Travel Delay | 1,000 | 1,000 | 1,000 | 1,000 |
| For every 6 hours | 100 | 100 | 100 | 100 |
| Total Limit for Family | 2,500 | 2,500 | 2,500 | 2,500 |
| Travel Postponement | 500 | 1,000 | 1,500 | 2,000 |
| Total Limit for Family | 1,250 | 2,500 | 3,750 | 5,000 |
| Travel Misconnections | 200 | 200 | 200 | 200 |
| For every 6 hours | 100 | 100 | 100 | 100 |
| Total Limit for Family | 500 | 500 | 500 | 500 |
| Travel Disruption | 500 | 1,000 | 2,000 | 3,000 |
| Total Limit for Family | 1,250 | 2,500 | 5,000 | 7,500 |
| Flight Overbooked | 100 | 100 | 100 | 100 |
| For every 6 hours | 100 | 100 | 100 | 100 |
| Flight Diversion | 1,000 | 1,000 | 1,000 | 1,000 |
| For every 6 hours | 100 | 100 | 100 | 100 |
| Hijack of Common Carrier | 500 | 1,000 | 2,000 | 3,000 |
| For every 6 hours | 100 | 100 | 100 | 100 |
| Kidnap and Hostage | NA | 2,500 | 5,000 | 7,500 |
| For every 6 hours | NA | 500 | 500 | 500 |
| Insolvency of Travel Agency | NA | 1,000 | 2,000 | 3,000 |
| LIABILITY | ||||
| Personal Liability | 500,000 | 500,000 | 1,000,000 | 1,000,000 |
| LIFESTYLE | ||||
| Loss of Home Contents due to Burglary | 1,000 | 1,500 | 2,000 | 2,500 |
| Golfing "Hole in One" | 150 | 250 | 350 | 450 |
| Credit Card Protection | NA | 600 | 1,000 | 1,500 |
| Rental Car Excess | 500 | 750 | 1,000 | 1,250 |
| ENHANCED MEDICAL BENEFITS | ||||
| Overseas Medical Expenses due to COVID-19 | ||||
| Adult (age 70 years and below) | NA | 50,000 | 150,000 | 200,000 |
| Adult (age above 70 years) | NA | 25,000 | 75,000 | 150,000 |
| Child | NA | 50,000 | 150,000 | 200,000 |
| Overseas Hospital Cash Benefit due to COVID-19 | NA | 1,000 | 2,000 | 3,000 |
| For every 24 hours | NA | 50 | 100 | 150 |
| Overseas Quarantine Allowance due to COVID-19 | NA | 500 | 1,000 | 1,500 |
| For every 24 hours | NA | 50 | 100 | 150 |
| Repatriation of Mortal Remains due to COVID-19 | NA | Unlimited | Unlimited | Unlimited |
| Emergency Medical Evacuation due to COVID-19 | NA | Unlimited | Unlimited | Unlimited |
| ENHANCED TRAVEL INCONVENIENCE | ||||
| Travel Cancellation due to COVID-19 | NA | 1,000 | 2,000 | 3,000 |
| Total Limit for Family | NA | 2,500 | 5,000 | 7,500 |
| Travel Postponement due to COVID-19 | NA | 750 | 1,500 | 2,000 |
| Total Limit for Family | NA | 1,875 | 3,750 | 5,000 |
| Travel Curtailment due to COVID-19 | NA | 1,000 | 2,000 | 3,000 |
| Total Limit for Family | NA | 2,500 | 5,000 | 7,500 |
| OPTIONAL COVERS | ||||
| Pre-Existing Condition | ||||
| Overseas Medical Expenses | ||||
| Adult (age 70 years and below) | 25,000 | 50,000 | 75,000 | 100,000 |
| Child | 10,000 | 20,000 | 30,000 | 40,000 |
| Emergency Medical Evacuation | ||||
| Adult (age 70 years and below) | 10,000 | 20,000 | 30,000 | 50,000 |
| Child | 10,000 | 20,000 | 30,000 | 50,000 |
| Flight Delay | ||||
| Flight Delay | 1,000 | 1,000 | 1,000 | 1,000 |
| For every 3 hours | 100 | 100 | 100 | 100 |
| Loss of Frequent Flyer Miles | ||||
| Loss of Frequent Flyer Miles | Covered | Covered | Covered | Covered |
This policy is protected under the Policy Owners’ 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).
A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Silver, Gold, and Platinum. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.
All plans cover the following travel benefits:
Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!
A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.
A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.
A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.
A: No, travel insurance should be purchased before your trip commences.
A: You may cancel the Policy before the start of your trip with administrative charges applicable.
A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.
A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your travel insurance claim.
A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, legal, embassy, hospital admission and other medical facilities etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.
A: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wording.
A: Yes, follow-up treatment in Singapore is covered within thirty (30) days after your return from the trip, provided that you have sought initial treatment overseas for Bodily Injury or Sickness during your trip and such initial treatment is claimable under Section 1 of the of the policy wording.
If you have purchased our Pre-Existing Medical Conditions coverage add-on, please note that it only covers medical expenses incurred overseas and emergency medical evacuation. Follow-up treatment in Singapore for pre-existing medical conditions is not covered under this add-on.
A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Trip where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore, and subject to a limit of S$100 per visit.
A: Under our standard Travel Insurance Policy, pre-existing medical conditions are not covered. However, if you purchase our Pre-Existing Medical Conditions Coverage add-on, you can claim for overseas medical expenses and emergency medical evacuation related to your pre-existing medical condition, up to the benefit limits stated in your policy, and provided that you are fit to travel and not travelling against the advice of any Registered Medical practitioner due to your pre-existing medical condition. You may refer to our policy wording for more information regarding our Pre-Existing Medical Conditions coverage.
A: No. Our travel insurance policy does not cover any pregnancy-related issues.
A: Yes, dental treatment is covered (as a result of Bodily Injury only).
A: No. The travel insurance plan does not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.
A: This add-on provides coverage for stable and controlled medical conditions that existed before purchasing the policy, such as asthma, diabetes, or high blood pressure. It covers:
Please note that follow-up treatment in Singapore is not covered under this add-on.
A: This add-on enhances your travel inconvenience coverage by reducing the minimum flight delay time required for compensation. With this benefit:
This add-on is especially valuable for travellers with connecting flights or time-sensitive itineraries.
A: If your trip is cancelled or postponed, this add-on reimburses the value of your unused, pre-paid, and non-refundable air ticket that was purchased using frequent flyer miles.
A: You will need to submit a claim within thirty (30) days upon returning to Singapore.
A: You can find out more about our Terms and Conditions for Travel Protect360 here.
Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.
Common documents required for all Travel Insurance Claims:
We will contact you for any additional documents that may be required.
You may submit your claims online. Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at claims@hlas.com.sg with our acknowledgement reference number – MTC/YYYY/000000.
We will keep you updated on your claim(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).
Thank you for insuring with us.
Melissa Lim
It was easy and convenient to purchase travel insurance plans from HL Assurance. The clauses were also clearly shown on the website to make an informed decision when purchasing the plans. Making claims via their online portal was also easy, and reimbursement was prompt!
Candy Tham
Coverage is Good. Have introduced to my family, siblings and friends. Very responsive to any messages or queries.
Jina Joy
I would say one of the Best Travel Insurance Company. They really came as a team to help when my husband was admitted overseas. The doctor of HL spoke to the overseas hospital doctor. They coordinated very well and got us back to Singapore. This is a recent incident that happened last December. HL travel insurance is a ‘Yes’ for me and my family. I will be travelling again definitely, I can rely on them. They really did a good Job. Thank you HL Team.
Discover how our clients’ experiences reflect the trust and reliability we provide in safeguarding their trips.
Discover how our clients’ experiences reflect the trust and reliability we provide in safeguarding their trips.
Melissa Lim
It was easy and convenient to purchase travel insurance plans from HL Assurance. The clauses were also clearly shown on the website to make an informed decision when purchasing the plans. Making claims via their online portal was also easy, and reimbursement was prompt!
Candy Tham
Coverage is Good. Have introduced to my family, siblings and friends. Very responsive to any messages or queries.
Jina Joy
I would say one of the Best Travel Insurance Company. They really came as a team to help when my husband was admitted overseas. The doctor of HL spoke to the overseas hospital doctor. They coordinated very well and got us back to Singapore. This is a recent incident that happened last December. HL travel insurance is a ‘Yes’ for me and my family. I will be travelling again definitely, I can rely on them. They really did a good Job. Thank you HL Team.
Discover how our clients’ experiences reflect the trust and reliability we provide in safeguarding their trips.
Melissa Lim
It was easy and convenient to purchase travel insurance plans from HL Assurance. The clauses were also clearly shown on the website to make an informed decision when purchasing the plans. Making claims via their online portal was also easy, and reimbursement was prompt!
Candy Tham
Coverage is Good. Have introduced to my family, siblings and friends. Very responsive to any messages or queries.
Jina Joy
I would say one of the Best Travel Insurance Company. They really came as a team to help when my husband was admitted overseas. The doctor of HL spoke to the overseas hospital doctor. They coordinated very well and got us back to Singapore. This is a recent incident that happened last December. HL travel insurance is a ‘Yes’ for me and my family. I will be travelling again definitely, I can rely on them. They really did a good Job. Thank you HL Team.
Train travel in Japan is so much more than just a mode of transportation. Many train routes are highly scenic, offering unforgettable views of Japan’s natural landscapes. In fact, Japan’s tourism board actively promotes scenic train journeys as a key attraction for visitors, and certain routes are reserved for specially designated sightseeing trains with themed…
Details
The Japan Rail Pass sounds like a good deal. It grants you unlimited train rides on the extensive JR train network for a set number of days, whether you’re traversing the entire country or focusing on a single region. However, JR Pass prices saw a dramatic increase in October 2023. An Ordinary 7-day JR Pass…
Details
There’s something undeniably magical about setting off on a solo adventure. It’s a chance to explore, discover new places, and experience the freedom of doing it all on your own. But with that freedom comes the responsibility to be prepared. As you set out on your journey, you know that travel can be unpredictable. Unexpected…
Details
Malaysia
Hong Kong