Renewing For Your Maid Insurance Plan?
Free $50 Vouchers
Switch from your existing insurance to Maid Protect360 and enjoy $50 vouchers. It just takes a few clicks and the policy will be sent to you instantly.
Do it in the comfort of your home now.
Please refer to below for Promotion Terms and Conditions.
Enhanced Medical Benefits Rider
Free Medical Teleconsultation
We know Maid Insurance is mandatory and we want to give employers the most value of the coverage. Check out our Enhanced Medical Benefits Rider – Not only your maid gets covered for the common illness, we are also giving you free medical teleconsultation throughout the whole year*.
Please refer to below for Promotion Terms and Conditions.
Improved Maid Protect360 Key Benefits
Give your maid the protection that they need and make it 100%.
The first insurer that gives you financial savings on medical and dental costs.
Personal Accident & Hospitalisation Benefits
Your Domestic Helper’s Health Is Our Priority
Receive up to $60,000 if your foreign helper is hospitalized due to illness or injury. In additional, medical expenses incurred due to accident suffered by your helper will also be reimbursed.
Outpatient Medical & Dental Benefit
HLAS members rates for outpatient visits at GP & Dental clinics
Your domestic helper can enjoy our members’ rates for outpatient visits at GP and Dental clinics island-wide. This also means more savings for employers.
Maid Termination & Rehiring Expenses
Protection against unexpected expenses
Let us bear the loss of the $5,000 security bond if your foreign domestic worker breaches the bond or contract. You can also get reimbursed should Termination/Re-Hiring of your FDW be required.
50% Off 6-Monthly Medical Examination
Optional & Refundable
Two medical check-ups a year is required by MOM. With this add-on, you will enjoy members rates at our preferred clinics for your helper’s check-ups at more than 50 clinics located island-wide.
Enhanced Medical Benefits Rider
*NEW FEATURE* Free Medical Teleconsultation
Need more coverage for critical illness, hospitalisation and infectious diseases, such as Zika or Dengue? Get Free Teleconsultation when you get the Enhanced Medical Benefit Rider now.
Plans for Your Domestic Helper
Give your maid the protection that they need and make it 100%.
The first insurer that gives you financial savings on medical and dental costs.
Basic
S$239
| Accidental Death | 60,000 |
| Permanent Disablement | 60,000 |
| Medical Expenses | 1,000 |
| Hospital & Surgical | 30,000 |
| Termination & Re-Hiring Expenses | 200 |
| Maid Personal Belongings | N.A |
| Wages Compensation & Levy Reimbursement | N.A |
| Outpatient Medical Benefits | N.A |
| Outpatient Dental Benefits | N.A |
Enhanced
S$292
| Accidental Death | 60,000 |
| Permanent Disablement | 60,000 |
| Medical Expenses | 2,000 |
| Hospital & Surgical | 40,000 |
| Termination & Re-Hiring Expenses | 300 |
| Maid Personal Belongings | 1,000 |
| Wages Compensation & Levy Reimbursement | 30 |
| Outpatient Medical Benefits | |
| Outpatient Dental Benefits |
Most Popular
Premier
S$377
| Accidental Death | 60,000 |
| Permanent Disablement | 60,000 |
| Medical Expenses | 3,000 |
| Hospital & Surgical | 60,000 |
| Termination & Re-Hiring Expenses | 500 |
| Maid Personal Belongings | 2,000 |
| Wages Compensation & Levy Reimbursement | 50 |
| Outpatient Medical Benefits | |
| Outpatient Dental Benefits |
Best Coverage
Exclusive
S$456
| Accidental Death | 60,000 |
| Permanent Disablement | 60,000 |
| Medical Expenses | 4,000 |
| Hospital & Surgical | 80,000 |
| Termination & Re-Hiring Expenses | 600 |
| Maid Personal Belongings | 3,000 |
| Wages Compensation & Levy Reimbursement | 60 |
| Outpatient Medical Benefits | |
| Outpatient Dental Benefits |
Benefits of Critical Illness Protect360
Critical Illness Protect360 is an affordable plan which provides you with financial protection against illness to ensure that your family can focus on what is more important – your treatment and recovery.
High Critical Illness
Coverage
High Personal
Accident Coverage
Medical Second
Opinion
Annual Health
Screening
Why You Should Choose Maid Protect360?
Strong Support
Customer Review by Ryan Poh
Many thanks for the strong support and helping us to secure this case although the official working hours is over. Great team effort and seamless communication.
Efficient & Professional
Customer Review by Elizabeth
Thank you so much in getting this sorted for us! You are super efficient and professional at handling our case. I’m thoroughly impressed and appreciate HL taking the right actions to keep their customers happy and loyal!
Benefits And Coverage
What our Maid Insurance Covers
Note: Swipe left or right to view the full table on your mobile screen.
Policy Owners’ Protection Scheme
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).
FAQs
Frequently Asked Questions for Maid Insurance
A: Maid Protect360 provides comprehensive benefits to protect the maid which includes Personal Accident, Hospital and Surgical Expenses, Termination and Re-Hiring Expenses, Insurance Guarantee Bond, Personal Liability to Third Parties and other benefits.
A: In addition to the comprehensive coverage mentioned above, Maid Protect360 also provide you an optional cover to save up to 50% when your maid does her 6-monthly medical check-up in our List of Clinics For Six-Monthly Medical Examination stated below.
As part of our Maid Protect360 benefits, you will also enjoy savings of up to 50% on medical GP consultation when your maid visit our panel of preferred clinics.
A: No, there is no free look period.
A: HL Assurance will issue a Letter of Guarantee for the sum of $5,000 as a security bond on your behalf to the MOM. With this, you do not need to pay the $5,000 cash up front to MOM when you are applying for a maid. HL Assurance can also issue a Letter of Guarantee to the Philippine Overseas Labour Office in Singapore (“POLO”) on your behalf if required.
In event that a demand is made by MOM and/or POLO, HL Assurance will make the payment first and recover it from you under the Counter Indemnity arrangement of the insurance.
You may like to purchase the optional cover for a waiver of the Counter Indemnity in respect of the Letter of Guarantee to the Ministry of Manpower (MOM), paying only $250 for the Excess for your account. This free you the need to pay $5,000 cash up front to the MOM when you are applying for a maid in Singapore.
A: We will reimburse the Insured for Hospitalisation and Surgical Expenses (including Day Surgery) incurred in Singapore as a result of an accident and/or sickness sustained by the maid during the period of insurance.
A: The Policy will pay pro-rata wages and government levy on your maid up to $30/$50 up to 30 days if your maid is hospitalized due to an Accident or Illness except pre-existing condition.
A: This benefit reimburse you the actual expenses incurred for the termination and agency fees hiring a replacement maid during the period of your maid’s hospitalisation due to death or permanent disablement. The replacement maid will need to be employed within thirty (90) days of your maid’s death or repatriation.
A: The Policy excludes Pre-existing medical conditions and also communicable disease of the maid. If the injury is pre-existing, or due to suicide, pregnancy, influence of drugs etc, such conditions will also not be claimable.
For more information on the, please contact our Relationship Officers at 6702020 to find out more.
A: Either you or HL Assurance can cancel the policy by giving the other party 14 days’ notice in writing. If you cancel the policy, you will receive a short period refund of premium paid for the unexpired period of insurance. The amount refund is dependable by the period of when you cancel the policy.
A: You can submit the claim form, along with the supporting documents by fax at 6224 1923 or email at claims@hlas.com.sg. Alternatively you can post it to HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057.
A: You can find out more about Terms and Conditions for Maid Protect360 here.
List of Clinics for Six-Monthly Medical Examination
Booking of Appointment for Maid’s Six-Monthly Medical Examination
The list of our Approved Clinics is outlined in the table below for your easy reference. To arrange for your maid’s medical examination, kindly call our Approved Clinics listed below for assistance to book an appointment.
List of Approved Clinics For Medical Examination
| North | |
| Singapore Family Clinic & Surgery Blk 717 Woodlands Drive 70 #01-114 S(730717) Tel: 6364 7450 / Fax: 6364 7451 | Healthway Medical Clinic 30 Sembawang Drive #03-20 Sun Plaza S(757713) Tel: 65551445 Fax: 65551446 |
| Healthway Medical Clinic Blk 748 Yishun Street 72 #01-230 S(760748) Tel: 6853 7101 / Fax: 6853 7107 | Healthway Medical Clinic Blk 721 Ang Mo Kio Avenue 8 #01-280 S(560721) Tel: 6455 4629 / Fax: 6456 4463 |
| East | |
| Healthway Tampines Central Clinic Blk 503 Tampines Central 1 #01-311 S(520503) Tel: 6789 0383 / Fax: 6789 0393 | |
| West | |
| Healthway Medical Clinic Blk 690 Jurong West Central 1 #01-193 S(640690) Tel: 6792 1812 / 6791 5719 Fax: 6792 4480 | Healthway Medical Clinic 3 Gateway Drive #04-32 Westgate S(608532) Tel: 6560 6127 / Fax: 6560 6284 |
| Singapore Family Clinic & Surgery Blk 153 Bukit Batok Street 11 #01-284 S(650153) Tel: 6567 9881 / Fax: 6567 9897 | Healthway Medical Clinic Blk 443 Clementi Ave 3, #01-63, Singapore 120443 Tel: 6872 2214 / Fax: 6872 2216 |
| South / Central | |
| Healthway Medical Centre 144 Robinson Road #01-02/03 Robinson Square S(068908) Tel: 6220 2383 / Fax: 6220 2160 | Healthway Medical Centre 238 Thomson Road #03-32A Novena Square S(307683) Tel: 6352 8696 / Fax: 6352 8695 |
| Healthway Toa Payoh Clinic Blk 177 Toa Payoh Central #01-130 S(310177) Tel: 6255 3773 / Fax: 6352 6772 | Healthway Medical Clinic Blk 101 Towner Road #01-236 S(322101) Tel: 6297 7592 / Fax: 6297 6934 |
| Healthway Anchorvale Clinic 308 Anchorvale Road #01-03 S(540308) Tel: 6312 3106 / Fax: 6312 3107 | |
Terms and Conditions
- HLAS shall not be liable to pay for any additional medical examinations or treatment costs except the standard six-monthly medical examination (6ME) as required by Ministry of Manpower (MOM).
- Based on the medical plan selected, the medical examination will be valid for 1 or 2 years from the policy effective date.
- HLAS shall not be responsible for any loss, damage or liability arising out of the medical examination.
- For any enquiries on the clinics and package, please call 6311 4592 during office hours.
List Of Clinics For Medical GP And Dental Consultation
Medical Consultation during normal hours
Should you wish to get a medical consultation for your maid, kindly walk in to any of the below approved clinics. Kindly bring along your maid’s work permit and present during registration.
List of Approved Clinics for GP Consultation
| North | |
| Singapore Family Clinic & Surgery (Woodlands) Blk 717 Woodlands Drive 70 #01-114 S(730717) Tel: 6364 7450 / Fax: 6364 7451 | Healthway Medical Clinic Blk 888 Woodlands Drive 50 888 Plaza #02-737 S(730888) Tel: 6364 9661 / Fax: 6364 9662 |
| Peace Family Clinic & Surgery 406 Sembawang Drive #01-820 S(750406) Tel: 6555 6674 / Fax: 6555 6684 | Healthway Medical Clinic 30 Sembawang Drive #03-20 Sun Plaza S(757713) Tel: 65551445 Fax: 65551446 |
| Healthway Medical Clinic Blk 101 Yishun Ave 5 #01-15 S(760101) Tel: 6755 1345 / Fax: 6755 1346 | Healthway Medical Centre Blk 417 Yishun Avenue 11 #01-321 S(760417) Tel: 6753 7626 / Fax: 6753 0125 |
| Healthway Medical Centre Blk 461 Yishun Avenue 6 #01-05 S(760461) Tel: 6235 4824 / Fax: 6235 4825 | Healthway Medical Clinic Blk 748 Yishun Street 72 #01-230 S(760748) Tel: 6853 7101 / Fax: 6853 7107 |
| My Family Doctor Blk 330 Ang Mo Kio Ave 1 #01-1803 S(560330) Tel: 6553 0100 / Fax: 6457 8406 | Peace Family Clinic & Surgery 452 Ang Mo Kio Avenue 10 #01-1787 S(560452) Tel: 6451 6558 / Fax: 6451 6559 |
| Healthway Medical Clinic Blk 721 Ang Mo Kio Avenue 8 #01-2801 S(560721) Tel: 6455 4629 / Fax: 6456 4463 | Singapore Family Clinic & Surgery (Hougang) Blk 108 Hougang Avenue 1 #01-1299 S(530108) Tel: 6284 9692 / Fax: 6284 6535 |
| Healthway Hougang Central Clinic 90 Hougang Ave 10 #04-06 Hougang Mall S(538766) Tel: 63437620 / Fax: 63437621 | Healthway Medical Block A Kwong Wai Shiu Hospital 705 Serangoon Road, #01-06 S(328127) Tel: 6291 4331 |
| East | |
| Healthway Medical Clinic Blk 625 Elias Road #01-322 Elias Mall S(510625) Tel: 6584 6822 / Fax: 6584 6883 | Bedok Family Clinic & Surgery Blk 218 Bedok North Street 1 #01-17 S(460218) Tel: 6441 0236 / Fax: 6441 0276 |
| Healthway Tampines Central Clinic Blk 503 Tampines Central 1 #01-311 S(520503) Tel: 6789 0383 / Fax: 6789 0393 | Healthway Tampines Clinic Blk 710 Tampines Street 71 #01-134 S(520710) Tel: 6260 9081 / Fax: 6260 9083 |
| Healthway Medical Clinic Blk 201D, Tampines Street 21 #01-1143 S(524201) Tel: 62608801 / Fax: 6260 8802 | Healthway Medical Clinic Blk 110 Lengkong Tiga #01-231 S(410110) Tel: 6749 4062 / Fax: 6747 6487 |
| Healthway Punggol Clinic Blk 168 Punggol Field #02-07A Punggol Plaza S(820168) Tel: 6315 3493 / Fax: 6315 3494 | Healthway Medical Clinic Blk 658 Punggol East #01-04 S(820658) Tel: 6312 5202 / Fax: 6312 5203 |
| Healthway Medical Clinic Blk 118 Rivervale Drive #02-17 Rivervale Plaza S(540118) Tel: 6881 2689 / Fax: 6881 2686 | Healthway Compassvale Clinic Blk 267 Compassvale Link #01-04 S(540267) Tel: 6343 8770 / Fax: 6343 8771 |
| West | |
| Healthway Medical Clinic Blk 960 Jurong West Street 92 #01-166 S(640960) Tel: 6791 5680 / Fax: 6791 8133 | Healthway Medical Clinic Blk 690 Jurong West Central 1 #01-193 S(640690) Tel: 6792 1812 / 6791 5719 / Fax: 67924480 |
| Healthway Medical Clinic 3 Gateway Drive #04-32 Westgate S(608532) Tel: 6560 6127 / Fax : 6560 6284 | Healthway Medical Clinic 445 Fajar Road #02-534 Fajar Shopping Centre S(670445) Tel: 6769 0600 / Fax: 6769 0900 |
| Healthway Medical Clinic Blk 475 Choa Chu Kang Ave 3 #02-03 Sunshine Place S(680475) Tel: 6892 6330 / Fax: 6892 6329 | Healthway Medical Clinic Blk 534 Choa Chu Kang Street 51 #01-37 Limbang Shopping Centre S(680534) Tel: 6762 2555 / Fax: 6762 8098 |
| Healthway Medical Clinic Blk 443 Clementi Ave 3 #01-63 S(120443) Tel: 6872 2214 / Fax: 6872 2216 | Healthway West Coast Clinic Blk 727 Clementi West Street 2 #01-258 S(120727) Tel: 6774 5901 / Fax: 6778 0396 |
| Singapore Family Clinic & Surgery Blk 153 Bukit Batok Street 11 #01-284 S(650153) Tel: 6567 9881 / Fax: 6567 9897 | Healthway Medical Clinic Blk 446 Bukit Batok West Ave 8 #01-03 S(650446) Tel: 6256 5980 / Fax: 6256 5985 |
| South / Central | |
| Healthway Medical Centre 6A Shenton Way #02-15 Downtown Gallery S(0688815) Tel: 6220 2383 / Fax: 6220 2160 | Healthway Medical Clinic 176 Orchard Road #06-02 The CentrePoint S(238843) Tel: 6733 0355 / Fax: 6733 5951 |
| Healthway Medical Centre 238 Thomson Road #03-32A Novena Square S(307683) Tel: 6352 8696 / Fax: 6352 8695 | Healthway Toa Payoh Clinic Blk 177 Toa Payoh Central #01-130 S(310177) Tel: 6255 3773 / Fax: 6352 6772 |
| Healthway Medical Clinic Blk 101 Towner Road #01-236 S(322101) Tel: 6297 7592 / Fax: 6297 6934 | Healthway Anchorvale Clinic 308 Anchorvale Road #01-03 S(540308) Tel: 6312 3106 / Fax: 6312 3107 |
Terms and Conditions
- Special benefit/discount of the doctor consultation fess is only valid from the effective date until expiry of the current Policy, and only applicable to consultation during normal operation hours.
- Surcharge will apply for consultations after 9:30pm and Public Holidays.
- Medicine prescribed by the doctor will be chargeable based on Healthway Medical Group Formulary.
- All medical charges will be payable by the patient or insured at the clinic.
- HLAS shall not be responsible for any loss, damage or liability arising out of the medical consultation.
- HLAS shall not be liable for any recommendation of the above clinics.
- For any enquiries on the clinics and package, please call 6311 4592 during office hours.
List of Exclusions for GP Consultation
- Congenital conditions and chronic illnesses. For clarity, the World Health Organization defines a chronic illness as a condition of long duration and generally slow progression.
- Cosmetic treatment including acne treatment and cosmetic surgery.
- Medical or surgical or other appliances including spectacles, contact lens or eye glasses and refraction’s or hearing aids.
- Any expenses in respect of pregnancy, childbirth (including surgical delivery), miscarriage, abortion and pre-natal or post-natal care.
- Treatment pertaining to fertility.
- Any expenses for treatment in mental or nervous disorders.
- Any expenses arising out of suicide, attempted suicide, intentionally self-inflicted injury, reckless activities (incl. racing, driving, skydiving, scuba diving, winter sports, hunting), any form of illegal activities (including war, participation in riot, strikes or civil commotion) or deliberate exposure to exceptional danger except in an effort to save another human life.
- Treatment and investigation relating to sexually transmitted diseases.
- Treatment arising directly and indirectly from abuse of drugs or alcohol.
- Treatment for refraction errors of the eyes and vision care.
- House calls.
- Injury or illness whilst on active military duties.
- Treatment for obesity, weight management or improvement.
Medical Consultation after normal hours
Please refer to the List of Approved Silver Cross clinics and their consultation hours. Please note that higher consultation fees apply from 9.30pm to 12.00am midnight and 12.00am midnight to 7.59am and discounts will not be applicable to higher consultation fees incurred during these hours. Kindly note that clinic operating hours may change without prior notice. Please call the clinic prior to visit.
List of Approved Silver Cross Clinics For Medical Consultation
| North | |
| Silver Cross Family Clinic Blk 305 Woodlands St 31 #01-75 S(730305) Tel: 6363 3646 / Fax: 6363 3349 | Monday – Friday : 8:00am – 1:00pm, 2:00pm – 5:00pm and 6:00pm – 11:00pm** Sat, Sun & Public Holidays : 8:00am – 1:00pm, 2:00pm – 5:00pm and 6:00pm – 11:00pm** |
| Silver Cross Family Clinic Blk 846 Yishun Ring Road #01-3661 S(760846) Tel: 6759 9181 / Fax: 6758 3731 | Monday – Friday : 8:00am – 5:00pm and 6:00pm – 11:00pm** Sat, Sun & Public Holidays : 8:00am – 5:00pm and 6:00pm – 11:00pm** |
| West | |
| Silver Cross Family Clinic 502 Jurong West Avenue 1 #01-803 S(640502) Tel: 6899 2141 / Fax: 6899 2642 | Monday – Friday : 8:00am –12:00midnight** Sat, Sun & Public Holidays 8:00am – 12:00midnight** |
| Silver Cross Family Clinic 3 Cheong Chin Nam Road S(599728) Tel: 6875 1191 / Fax: 6875 1911 | Monday – Friday : 8:00am – 1:00pm and 2:00pm- 11:00pm Sat, Sun & Public Holidays 8:00am – 1:00pm and 2:00pm- 11:00pm |
| Central | |
| Silver Cross Family Clinic 275A Holland Avenue S(278993) Tel: 6462 2818 / Fax: 6466 2878 | Monday – Friday : 8:00am – 12:00midnight** Sat, Sun & Public Holidays 8:00am – 12:00midnight** |
Terms and Conditions
- Special benefit/discount of the doctor consultation fess is only valid from the effective date until expiry of the current Policy, and only applicable to consultation during normal operation hours.
- Free dental consultation will apply only if dental treatment is required.
- All dental treatment will be payable by the patient or insured at the clinic.
- Corporate rates are not to be used in conjunction with any other ongoing promotions, packages or privileges.
- HLAS shall not be responsible for any loss, damage or liability arising out of the medical consultation.
- HLAS shall not be liable for any recommendation of the above clinics.
- For any enquiries on the clinics and package, please call 6311 4592 during office hours.
List of Approved Dental Clinics
The list of our Approved Dental Clinics is outlined in the table below for your easy reference, kindly call our Approved Dental Clinics listed below for assistance to book an appointment. Kindly note that the dental consultation will only be waived upon dental treatment to be done. Terms and conditions to be referred at the dentist premises.
Please find below the List of Approved Dental Clinics for Consultation.
Terms and Conditions
- Special benefit/discount of the doctor consultation fess is only valid from the effective date until expiry of the current Policy, and only applicable to consultation during normal operation hours.
- Free dental consultation will apply only if dental treatment is required.
- All dental treatment will be payable by the patient or insured at the clinic.
- Corporate rates are not to be used in conjunction with any other ongoing promotions, packages or privileges.
- HLAS shall not be responsible for any loss, damage or liability arising out of the medical consultation.
- HLAS shall not be liable for any recommendation of the above clinics.
- For any enquiries on the clinics and package, please call 6311 4592 during office hours.
Terms and Conditions For Maid Protect360 “Switch and Save” Promotion
- The promotion is between the dates 15 April 2020, 1200 and 31 July 2020, 1200 (both dates inclusive), new customers who purchase any Maid Insurance policy (Maid Protect360) will be entitled to S$50 worth of FairPrice Online E-Vouchers (“Gift”).
- This Gift is applicable only for online direct (new purchases only via HL Assurance website at https://www.hlas.com.sg/personalinsurance/maidinsurance/.
- New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
- 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 on the first of the month following 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.
- E-Vouchers can be used on the FairPrice Online website (www.fairprice.com.sg) & mobile application only.
- E-Vouchers are not stackable.
- 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 Maid 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.
