Single Trip
60% Discount + Travel Vouchers + NCD *
With our improved Travel Protect360, not only will you enjoy comprehensive coverage and travel vouchers, we are now rewarding you with No Claim Discount and Immediate Medical Claims.*
Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.
Annual Unlimited
50% Discount + Travel Vouchers + NCD *
Travelling more than twice in a year? Get our annual multi-trip policy and additional travel perks at just $0.48 / day. This could be better value than buying single trip insurance for each holiday!
Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.
Improved Travel Protect360 Benefits
More Reasons to stay protected with Travel Protect360 and why it’s the best travel insurance in Singapore.
Travel NCD
Get Rewarded for Safe Travels
We want to celebrate your safe travels with you! If you do not make any claims from your travel insurance, you get additional up to 10% off your next travel insurance purchase on top of our promotions.
Immediate Medical Claims
Enjoy Hassle-free Post-Journey Medical Claims
All you need to do is download the Medical App and flash your e-card at affiliated clinics for your post-journey medical consultation.
Benefits of Travel Protect360
With Travel Protect360, you can be ready for all your adventures and travel with peace of mind.
Travel Protect360 provides the comprehensive coverage you may need for your holiday.
Travel No Claims
Discount
Immediate Post-Journey
Medical Claims Cover
High Medical
Overseas Benefit
Extensive Travel
Inconvenience Benefits
Why you should choose Travel Protect360?
Preferred Insurance
Customer Review by Lee Meng Tong
Thank you so much for your efforts in processing and finalising my travel claims. My wife and I are very appreciative of the care and excellent service provided by you and your staff. Rest assured that HL Assurance would be our preferred insurance for all our travels.
Full Of Sincerity
Customer Review by Elizabeth
I am surprised to receive such a heart warming email full of sincerity from you! It really shows that HL is a great organization with people like Jeffri and you, who’d go that extra mile to ensure your customers are happy and feeling valued by you! Good to know that my positive comments will be served as a motivational factor to your team!
Ready Assistance Of Claims
Customer Review by Manjit Kour
Thank you so much for computing and finalising my travel claim. Your patience, politeness, ready assistance and kind understanding of my claim is much appreciated. I am glad that I renewed my annual cover earlier this year with HL Assurance.
Amazing Service
Customer Review by Kimberly Sim
I appreciate the care and concern shown and the fact that I felt the sincerity of it all just over the phone, shows an amazing service from the heart. This empathy is not easy to come by and to have experienced it from each of you, I can’t say enough what a wonderful team you guys make.
First Choice
Customer Review by Darren Wong
It is always a good experience of purchasing travel insurance with HL Assurance. This is my second claim with you all and the process is always swift. Customer service is always good, nice and prompt. That’s why for the passed 2 years and my upcoming trip, HL Assurance will always be my first choice.
Travel Protect360 Promotion Terms and Conditions
Promotion Terms and Conditions
- Between the dates 01 September 2020, 1200 and 30 September 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will be automatically be enrolled into Travel Protect360 No Claim Discount programme.
- For Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
- For subsequent travel purchase with the utilizing the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
- Thereafter for subsequent travel purchase utilizing the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
- For Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of 1 year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
- Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
- The promotional codes are not transferable.
- Should there be any claims incurred, the No-claims discount promotion code will be no longer be applicable.
- Each policy is only eligible to one promotion code.
- All discount promotion codes will be sent via email provided by the policyholder.
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Travel Protect360 Single Trip Travel Protect360 Annual Plan Qualifying Plan Types Basic / Enhanced / Superior Basic / Enhanced / Superior No Claim Discount 1st purchase with no claims 30 days after policy end date Additional 5% for next Travel Protect360 Single Trip purchase. Additional 10% for next Travel Protect360 Annual Plan renewal Subsequent purchase with no claims 30 days after policy end date. Additional 10% for next Travel Protect360 Single Trip purchase. - 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 Travel 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.
- Between the dates 01 September 2020, 1200 and 30 September 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip) will be entitled to cashless facility to be applied to Post Journey Medical Outpatient claim at HLAS’s partner – Integrated Health Plans Pte Ltd (“IHP”)
- Policyholder(s) will need to download “IHP App” from Play Store (for Android) or App Store (for IOS) and input the details provided in the email sent to the policyholder.
- Cashless facility will only be available to policyholder(s) who seek their 1st medical treatment from any of the IHP’s Singapore panel clinics within three (3) days after return from the Trip, up to S$100 per visit.
- Cashless facility is extended by 30 days from the date of 1st visit at any of the IHP’s Singapore panel clinics.
- Cashless facility will not be applicable should policyholder(s) had an initial medical treatment overseas, and
- Did not seek medical treatment within three (3) days after return from the Trip; AND/OR
- Cost of follow-up medical treatment exceed S$100
- Where Cashless facility is not applicable, policyholder(s) will then need to make payment upfront to the clinics and seek post journey medical claims on a reimbursement basis. A claim form and medical receipt(s) will need to be provided during submission of claims. Claims payout will be subject to HLAS’s approval
- 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 Travel 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.
- Between the dates 01 September 2020, 1200 and 30 September 2020, 1200 (both dates inclusive), enjoy 60% discount when you buy any new Single Trip plans.
- Between the dates 01 September 2020, 1200 and 30 September 2020, 1200 (both dates inclusive), enjoy 50% discount when you buy any new Annual Trip plans.
- This promotion is not valid with any on-going travel discounts, schemes or privileges.
- These promo codes are applicable for online purchase only via HL Assurance website at https://www.hlas.com.sg, and exclusively to participating partners.
- In addition, qualifying plan types are entitled to Free Gift during the promotion period.
- “Free Gift” are in the form of electronic voucher, promotion and/or discount codes provided by our Merchant(s) and will be emailed to the policyholder.
- Please note that each policy is only eligible for one (1) Free Gift and the Free Gift is while stocks last.
- The Free Gift are denominated in Singapore dollars and is not exchangeable for cash, other items or vouchers of other denominations.
- In the event where Policyholder has cancelled the policy after redeeming for the Free Gift, HL Assurance reserves the rights to request Policyholder to refund the Free Gift.
- HL Assurance is not the supplier and will not be liable for the goods and services provided by the Merchant(s) of the Free Gift.
- In case of any dispute, the decision of HL Assurance and the Merchant(s) shall be final.
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Travel Protect360 Single Trip Qualifying Plan Types Basic / Enhanced / Superior Free Gift(s) 1 $20 Off Hotel Booking Voucher Travel Protect360 Annual Trip Qualifying Plan Types Basic / Enhanced / Superior Free Gift(s) 1 $20 & $50 Off Hotel Booking Voucher 2 10% Car Rental Discount - Free Gift 1
- You will receive one Hotel Booking Promo Code (“HBPC”) for redemption at Agoda website (https://www.agoda.com/hlas).
- By utilising the HBPC at https://www.agoda.com/hlas thereof, you agree to be bound by Booking Holdings Inc terms and conditions.
- For qualifying Single Trip plan types, HBPC voucher has a value of $20 with a minimum spend of $250.
- For qualifying Annual Trip plan types, HBPC voucher has a value of $20 with a minimum spend of $250, and a value of $50 with a minimum spend of $500.
- HBPC is valid for booking by 31 December 2020 and check in by 30 June 2021.
- Free Gift 2
- You will receive one Car Rental Promo Code (“CRPC”) for redemption at The Hertz Corporation website (https://www.hertz.com).
- By utilising the CRPC at https://www.hertz.com thereof, you agree to be bound by The Hertz Corporation terms and conditions.
- CRPC provides up to 10% discount off rentals worldwide or as determined by The Hertz Corporation.
- 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 Travel 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.
Benefits And Coverage
What our Travel Insurance Covers
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| Coverage ( represents the new and improved benefits ) | Basic | Enhanced Popular | Superior |
| Medical Expenses | |||
| Overseas Medical Expenses | |||
| Adult (age 70 years and below) | 150,000 | 250,000 | 500,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 100,000 |
| Child | 100,000 | 100,000 | 100,000 |
| Medical Expenses in Singapore | |||
| Adult (age 70 years and below) | 10,000 | 15,000 | 20,000 |
| Adult (age above 70 years) | 1,000 | 1,500 | 2,500 |
| Child | 1,000 | 1,500 | 2,500 |
| Compassionate Visit | 3,000 | 5,000 | 10,000 |
| Repatriation of Mortal Remains | Unlimited | Unlimited | Unlimited |
| Overseas Funeral Expenses | 1,000 | 1,500 | 2,000 |
| Return of Minor Children | 3,000 | 5,000 | 8,000 |
| Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited |
| Overseas Hospital Cash Benefit (S$200 per 24 hours) | 10,000 | 15,000 | 20,000 |
| Hospital Cash Benefit in Singapore (S$200 per 24 hours) | 600 | 1,000 | 1,600 |
| Personal Accident | |||
| Accidental Death & Permanent Disablement | |||
| Adult (age 70 years and below) | 200,000 | 250,000 | 300,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 50,000 |
| Child | 50,000 | 50,000 | 50,000 |
| Credit Card Outstanding Balance | 1,000 | 1,500 | 2,000 |
| Cash Relief for Death due to Accident | 3,000 | 4,000 | 5,000 |
| Travel Inconvenience | |||
| Loss of Baggage and Personal Effects (S$500 for each article or pair or set of article) | 3,000 | 5,000 | 7,000 |
| Personal Money | 250 | 250 | 500 |
| Personal Documents | 2,000 | 3,000 | 4,000 |
| Emergency Phone Charges | 100 | 100 | 100 |
| Delayed Baggage (S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 |
| Loss of Deposit or Cancellation of Trip | 5,000 | 7,000 | 12,000 |
| Trip Curtailment | 3,000 | 5,000 | 8,000 |
| Travel Delay (S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 |
| Travel Postponement | 500 | 1,000 | 1,500 |
| Travel Misconnections (S$100 for every 6 hours) | 200 | 200 | 200 |
| Flight Overbooked (S$100 for every 6 hours) | 100 | 100 | 100 |
| Flight Diversion (S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 |
| Insolvency of Travel Agency | 2,000 | 3,000 | 4,000 |
| Liability | |||
| Personal Liability | 500,000 | 500,000 | 1,000,000 |
| Lifestyle | |||
| Loss of Home Contents due to Burglary | 1,000 | 1,500 | 2,000 |
| Golfing "Hole in One" | 150 | 250 | 350 |
| Rental Car Excess | 500 | 750 | 1,000 |
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 Travel Protect360
A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.
A: No. Our Policy excludes all pre-existing medical conditions prior to the trip.
A: No. Our policy does not cover any pregnancy-related issues.
A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment seek within three (3) days after your return from the Journey 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.
A: Yes, dental treatment is covered (as a result of Bodily Injury only).
A: You will need to submit a claim within thirty (30) days upon returning to Singapore.
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 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 baggages, air tickets arrangements, emergency medical evacuation, referral services for interpreter / translator, 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. We do 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: You can find out more about our Terms and Conditions for Travel Protect360 here.
A: The list of Healthway GP clinics can be found here. Special rates will apply for renewal customers only.
A: The list of Healthway Dental clinics can be found here. Special rates will apply for renewal customers only.
Claims
For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009.
File a Travel Insurance Claim
Claims Procedure and Documentation
Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.
Common documents for all Travel Insurance Claims:
- Claim Form
- Copy of flight itinerary
- Proof of travel, i.e. original boarding pass, air tickets, copy of passport etc.
Supporting documents needed when making a claim for:
-
- Personal Accident, Medical, Dental and Other Expenses
- Medical Report and Medical Certificate
- Original Medical bills / receipts
- Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
- Documentary proof of relationship between deceased and claimant (for death claim)
- Motor accident report / police report (for injury / death resulting from a traffic accident)
- Baggage & Personal Effects
- Baggage loss or damage report / Property irregularity report from the carrier / airline
- Baggage tag(s) issued from the carrier / airline during check-in
- Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
- Photographs of damaged items
- Original purchase receipts of damaged/lost items
- Money & Documents
- Copy of police report lodged at place of loss within 24 hours
- Receipts for replacement of passport / visa
- Transportation and / or hotel bills / receipts incurred for replacement of document
- Baggage Delay (at the scheduled overseas destination)
- Baggage delay report
- Baggage tag(s) issued from the carrier / airline during check-in
- Written confirmation from carrier / airline on reason and duration of delay
- Acknowledgement receipt of baggage received
- Trip Cancellation / Curtailment
- Medical Report and other medical documents / Death Certificate
- Proof of relationship (if due to sickness, injury or death of related person)
- Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
- Original tour booking invoice / receipt
- Travel agent and / or airline’s confirmation of the refund amount
- Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)
- Travel Delay or Travel Misconnection or Overbooked Flight or Flight Diversion
- Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
- Air ticket and Boarding pass
- Loss of Home Contents due to Burglary
- Copy of police report lodged within 24 hours upon discovery
- Invoice of damaged items / quotations
- Original photographs of damaged items
- Personal Liability
- Do not admit any liability or make any offer, promise or payment without our prior consent
- Forward all correspondence / documents from third parties concerning the accident to us immediately
- Copy of police report lodged (if applicable)
- Personal Accident, Medical, Dental and Other Expenses
We will contact you for any additional documents that may be required.
Claim Form
You may like to 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 by email. You can also call our hotline 69226003 to check on your claim.
Thank you for insuring with us.
