20200428-Red-Voucher-Early-CI

SPECIAL OFFER

Monthly payment: $20 vouchers | Annual payment: $50 vouchers | Lump sum payment: $200 vouchers
Promotion-Early-Protect360-V3

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 convenient. 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.

Early Protect360 Promotion Terms and Conditions
  • The promotion is between the dates 01 February 2021, 1200 and 28 February 2021, 11:59pm (both dates inclusive).
  • Customers who purchase any Early Protect360 insurance policy with “Monthly Pay” premium payment mode selection and utilise promo code “YAYTOP3” 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 “YAYTOP3” 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 “YAYTOP3” 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. © 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.

Christmas Spin-and-Win Contest Terms and Conditions

 

  • This Spin-and-Win Contest (“Contest”) is open to participants that have completed the Christmas Spin-and-Win Online Registration Form from 18 December to 31 December 2020 at the start of the Contest period. The contest period is from 18 December to 31 December 2020 (both dates inclusive). By participating in this Contest, each participant agreed to be bound by the terms and conditions set out below.

Eligibility

 

  • The Promotion is open to the following Participants:
    1. Singapore Citizen or Singapore Permanent Resident or holder of a valid Employment Pass, work permit, dependent pass, student pass or long term visit pass issued by the authorities in Singapore who are at least 18 years old.
    2. Successfully completed the Online Registration Form between the Contest period.
  • Employees of HL Assurance Pte. Ltd. (“HL Assurance”), their immediate family members and any other parties directly involved in organizing, promoting, or conducting the Promotion are not eligible to participate in the Promotion.
  • HL Assurance has the sole discretion to exclude any person from participating in the Promotion without any obligation to furnish any notice and/or reason.
  • All details and particulars submitted in the online registration form must be accurate, true and complete. Incomplete, inaccurate or illegible lucky draw forms will be disqualified.
  • All Contest entries must be received before 23:59 on 31 December 2020 (GMT +8:00).
  • Participants will be given one (1) spin-and-win chance with every successful registration form completed.
  • Participants are deemed to have agreed that HL Assurance may contact you via voice call for the purposes of this contest registration and/or gifts.
  • Participants consent that their personal data may be used by HL Assurance and its affiliates, and may be disclosed by HL Assurance to its affiliates to send them marketing and promotional information and materials by post and/or emails.
  • HL Assurance reserves the right (but shall not be obliged) to have reserve Winner(s) to substitute any Winner selected for the Contest subsequently found to be disqualified for any reason. Our determination of the Winners selected for the Contest shall be final, conclusive and binding, and no appeal or correspondence will be entertained.
  • Prizes are non-transferable and non-exchangeable for cash and may be subject to availability of stocks. HL Assurance reserves the right to replace any prizes with items of similar value without prior notice.
  • The Prize is provided as-is with no warranty or guarantee. All applicable laws and regulations apply, including but not limited to tax laws. Each Winner is liable for any and all tax obligations arising from the award of a Prize to him/her.
  • Winner must present the printed email notification letter and any identification document(s) (where required) to redeem the Prize.
  • Selected Prizes (S$20 CapitaVouchers, S$20 Cold Storage Vouchers, S$50 CapitaVouchers, S$50 Cold Storage Vouchers, Apple Airpods, Redmi Note 8) will be applicable only with purchase of Early Protect360, Maid Protect360 or Car Protect360.
  • Winners will be required to self-collect their Prize at the HL Assurance’s office, 11 Keppel Road, #11-01 ABI Plaza Singapore 089057 on or before 31 January 2021 during office hours. The Contest Prizes that are not collected after 31 January 2021 shall be forfeited and HL Assurance reserves the rights to deal with all unclaimed prizes in any manner deemed fit.

General Terms and Conditions

 

  • By participating in this Contest, participants agree to HL Assurance (“Company”) Policy on Personal Data, that all personal data provided to the Company or acquired by the Company from the public domain, as well as personal data that arises as a result of the provision of services to participants will be subjected to such Policy on Personal Data as may be varied from time to time. Further copies are available upon request or from the Company’s website (www.hlas.com.sg). HL Assurance will fully cooperate with any law enforcement and government authorities and any judicial or regulatory orders requesting copies of or information in relation to any postings or content.
  • HL Assurance makes no warranty or representation as to the quality, merchantability or fitness for purpose of the merchants’ goods and services in respect of the Prize. Any dispute about the same must be resolved directly with the merchant. Merchant terms and conditions apply.
  • HL Assurance’ decision on all matters relating to or in connection with this Contest is final and binding on all participants. HL Assurance shall not be obliged to enter into any correspondence on any matter concerning the Contest.
  • HL Assurance is not the agent of the merchant and make no representation as to the quality/condition or performance of the goods and services. Any dispute about quality/condition or performance of the goods and services is to be resolved directly between the Winners and the merchant.
  • A person who is not a party these Terms and Conditions shall have no right under the Contracts (Rights of Third Parties) Act (Cap 53B) to enforce any of these Terms and Conditions and notwithstanding any terms herein, the consent of any third party is not required for any variation (including any release or compromise of any liability) or termination of these Terms and Conditions.
  • By participating in this Contest, the Winners grants us the right to publish the results of the Contest, and disclose the information (including name, masked NRIC/FIN number)
    1. on our website
    2. on our Facebook page.
  • All information is correct at the time of publishing.
Early Protect360 iLoveHL Terms and Conditions
  • 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.
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.

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