Enjoy More Chances When You Spend More!

current promotion

20200428-Red-Voucher-Early-CI

SPECIAL OFFER

Annual / Lump Sum Payment
20210406-FreeEP-Promotions

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. *Terms Apply

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20200428-Red-Voucher-Early-CI

SPECIAL OFFER

Monthly Payment
EP-monthly-promo

Enjoy flexible and affordable critical illness protection with us! Apply digitally with our monthly payment option and receive up to $100 worth of vouchers. Get immediate protection up to Age 75. No hassle of medical examination required. Offer will end when Group Size has reached maximum premium allowed. *Terms Apply

promo-button-SAVE3WITHEP

Why You Should Choose our Early Critical Illness Insurance in Singapore?

Geared towards early stages of critical illnesses related to cancer, stroke and the heart, the coverage for Early Critical Illness Protect360 continues even after early-stage payout.

Get Covered from Early Stages of 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.

Free Medical Teleconsultation

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 convenient. Get onto our Prestige Program and enjoy the perks.

Immediate Coverage

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.

Benefits of Early Stage Critical Illness Insurance

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.

CI - Early CI

Accelerated Payout For Early Stage Critical Illness

Money - Early CI

Immediate Coverage and No Medical Examination

Teleconsult - Early CI

Free Medical
Teleconsultation

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Affordable & Flexible
Coverage

What our customers have to say about us

  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.

Early Protect360 Insurance Promotion Terms And Conditions
  • Early Protect360 “SAVE3WITHEP” Promotion is from now until 31 March 2024.
  • The promotion is only valid for new customers who purchase any Early Protect360 Insurance policy and utilise promo code “SAVE3WITHEP” will be entitled to the below promotions:
    Payment Mode Premium (incl. GST) Gift
    Monthly Up to $100 $20 FairPrice E-voucher
    $101 to $200 $50 FairPrice E-voucher
    $201 to $300 $100 FairPrice E-voucher
    Annual and Lump Sum $180 and above Free policy for first 3 months
  • Customers are only entitled with one policy with “SAVE3WITHEP” promotion.
  • Duplication and extension of “SAVE3WITHEP” Promotion is strictly not allowed.
  • The E-voucher will be sent after 3 months from the successful purchase of a policy to the email address which was provided at the point of purchase of the policy.
  • HL Assurance shall not be liable if the delivery of the e-voucher to the customers is unsuccessful due to incorrect or invalid email addresses that were provided by customers.
  • HL Assurance is unable to resend the redemption email once it has been sent out to customers. Should you not receive any redemption email from us, please call our Call Centre at 6702 0202 to check on the promo code assigned to you.
  • The policy must be valid at the time with no outstanding premium when the e-voucher is sent to the customers.
  • Once the redemption emails are sent, customers who have redeemed the e-voucher will not be allowed to cancel their policies within 2 years or otherwise, the value of e-voucher will be clawed back.
  • 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 is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
  • HL Assurance may vary the Terms and Conditions of this Promotion without prior notice of 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 wordings and policy schedule 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. © 2021 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.
  • The promotion is valid from now until 31 March 2024, all Malaysian customers who purchase an Early Protect360 policy will be eligible for free membership of Early Protect360 First Ambulance programme.
  • Any Malaysian customer, who is holding a valid employment pass, work permit, dependent pass or long term visit pass and who is ordinarily residing in Singapore, who purchase any Early Protect360 Insurance policy will be entitled to free 1 month premium membership with First Ambulance Malaysia.
  • Link for free registration will be sent within 3 working days of Early Protect360 purchase.
  • Free First Ambulance Malaysia membership will cease upon cancellation of Early Protect360 policy.
  • HL Assurance is also not responsible for any personal information provided by policyholder to First Ambulance Malaysia.
  • 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. © 2021 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.
Early Protect360 Insurance 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: This is a short-term renewable plan. Your policy will be reviewed and premium rates may change at the policy renewal date.

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
  • The promotion is between the dates 25 August 2020, 12am and 15 October 2020, 11:59pm (both dates inclusive).
  • Customers who purchase any Early Protect360 insurance policy with “Monthly Pay” premium payment mode selection and utilise promo code “iloveHL” will be entitled to S$20 worth of FairPrice Vouchers (“Gift”).
  • Customers who purchase any Early Protect360 insurance policy with “Yearly Pay” premium payment mode selection and utilise promo code “iloveHL” will be entitled to S$50 worth of FairPrice Vouchers (“Gift”).
  • Customers who purchase any Early Protect360 insurance policy with “Lump Sum” premium payment mode selection and utilise promo code “iloveHL” will be entitled to S$200 worth of FairPrice Vouchers (“Gift”).
  • Upon successful payment of policy, Qualified Customers will receive a redemption letter after fourteen (14) business days (excluding Saturday, Sunday and Public Holidays).
  • All details and particulars submitted in the application form must be accurate, true and complete. HL Assurance is also not obliged to replace any FairPrice Vouchers where email address provided by policyholder is invalid or incorrect.
  • 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 is not a supplier of the product(s)/services(s) offered and shall not bear any liability in relation thereto.
  • All vouchers and gifts are to be collected at HL Assurance Main office.
  • Gift(s) are on a first-come-first serve basis and while stocks last.
  • 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.

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