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COVID19 RELIEF PACKAGE OFFER

Monthly payment: $20 vouchers | Annual payment: $50 vouchers | Lump-sum payment: $200 vouchers
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Get covered for Critical Illness at Massively Reduced Price. Starts as low as $0.35 per day.
Immediate protection up to Age 75. No medical required. Digital application.
Offer will end when Group Size has reached maximum premium allowed.

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Early Protect360 Benefits

Geared towards the Early Stages of Critical Illness related to Heart, Cancer and Stroke, the coverage continues even after Early Stage payout.

Get Covered from Early Stages

Provide Financial Support from Stage 1 Critical Illness

With 30% acceleration payout for early-stage diagnosis on the covered Critical Illness, this will help to offset any medical or living expenses when you are recovering and safeguard your family from unexpected financial loss.

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Free Medical Teleconsultation

Get Medical Advice Right at Your Home

Bringing clinics to you without stepping out of your house. Get access to medical consultation with a doctor just through an app – it’s easy and convenience. Get onto our Prestige Program and enjoy the perks.

Immediate Coverage

No Medical Examination Required

Just take 5 mins to answer 5 Health Declaration Questions to get yourself covered. No hassle of medical examination required and you can get coverage immediately.

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Benefits of Early Protect360

Whether you are young or old, it is good to have an early start to Critical Illness protection. Covering only the Top critical illness and accelerating for Early Stages will definitely help to relieve your financial burden.

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Accelerated Payout For Early Stage Critical Illness

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Immediate Coverage and No Medical Examination

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Free Medical
Teleconsultation

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Affordable & Flexible
Coverage

Why you should choose Early Protect360?

  Quality of Service

Customer Review by Jay Foon Yew Kee

I am very pleased with the quality of service your company provides. I sincerely appreciate your responsiveness and the way you conduct business. I will recommend your company to others because of my satisfaction with your service in future.

  Professionalism

Customer Review by Liu Xinyi

I have been utmost impressed by the level of professionalism as well as the prompt follow-up to ensure that I am secured with the appropriate insurance coverage.

Terms and Conditions For Early Protect360 COVID19 Cashback Promotion
    • The promotion is between the dates 14 May 2020, 12am and 31 May 2020,59pm (both dates inclusive).
    • Customers who purchase any Early Protect360 insurance policy with “Monthly Pay” premium payment mode selection and utilise promo code “COVID19CASHBACK” will be entitled to S$20 worth of FairPrice Online E-Vouchers (“Gift”).
    • Customers who purchase any Early Protect360 insurance policy with “Yearly Pay” premium payment mode selection and utilise promo code “COVID19CASHBACK” will be entitled to S$50 worth of FairPrice Online E-Vouchers (“Gift”).
    • Customers who purchase any Early Protect360 insurance policy with “Lump Sum” premium payment mode selection and utilise promo code “COVID19CASHBACK” will be entitled to S$200 worth of FairPrice Online E-Vouchers (“Gift”).
    • The Gift will be given in the form of Promo Codes sent to the registered email address of policyholder.
    • The Promo Codes will be sent via email three (3) month(s) after the policy effective date.
    • HL Assurance is not obliged to replace any FairPrice Online E-Vouchers not received, have expired or which have been misplaced.
    • HL Assurance is also not obliged to replace any FairPrice Online E-Vouchers where email address provided by policyholder is invalid or incorrect.
    • E-Vouchers can be used on the FairPrice Online website (www.fairprice.com.sg) & mobile application only.
    • E-Vouchers are not stackable.
    • The Gift will be required to be refunded to HL Assurance should the Early Protect360 Insurance policy be terminated or cancelled within six (6) months
    • The Gift is not transferable or exchangeable for cash, credit or any other item in part or in whole.
    • HL Assurance may at its sole discretion at any time and without prior notice substitute or replace the Gift with any other gift of equal or higher value.
    • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice or withdraw or discontinue the Promotion at any time without any notice or liability to you.
    • 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 full disclaimers, terms and conditions apply to individual products. © 2020 HL Assurance is 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 Early 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.
Benefits And Coverage
What our Early Protect360 Critical Illness Covers

Note: Swipe left or right to view the full table on your mobile screen.

SectionsCoverageMaximum Benefit Payable ($)
AEarly Stage Critical Illness 30% of Sum Assured of Section B
1Major Cancer
2Heart Attack of Specified Severity
3Coronary Artery By-Pass Surgery
4Open-Chest Heart Valve Surgery
5Open-Chest Surgery to Aorta
6Stroke with Permanent Neurological Deficit
BAdvanced Stage Critical Illness Sum Assured
1Major Cancer
2Heart Attack of Specified Severity
3Coronary Artery By-Pass Surgery
4Open-Chest Heart Valve Surgery
5Open-Chest Surgery to Aorta
6Stroke with Permanent Neurological Deficit
7Angioplasty & Other Invasive Treatment for Coronary Artery10% of Sum Assured, Maximum S$25,000

For the full coverage, exclusions and other terms and conditions of this insurance, please refer to the Policy Wordings.

FAQs
Frequently Asked Questions for Early Critical Illness Insurance

A: Early Protect360 provides coverage for Early and Advanced Stage Critical Illness such as Major Cancer, Heart Attack of Specified Severity and Stroke with Permanent Neurological Deficit.

A: You can apply this Policy if you are between the age of 18 to 65 years old. The policy is renewable up to 74 years of age and will stop when the insured reaches the age of 75. You must be a Singapore Citizen, Singapore Permanent resident or a foreigner holding a valid pass issued by Singapore government and is residing in Singapore.

A: You can purchase up to S$300,000 worth of coverage under Early Protect360.

A: Yes, there’s a 14-day free-look period. During this time, if you decide to cancel your policy, we’ll refund of the premium unless something has occurred for which a claim may be payable.

A: Medical check-up is not required for this product. You will be required answer a health declaration to be eligible to purchase Early Protect360.

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.

A: You can find out more about the Terms and Conditions for Early Protect360 here.

Claims