current promotion

Single Trip

Travel Insurance Promotion
40% Discount + NCD

Be protected from COVID-19 with the new travel insurance in Singapore – COVIDSafe Travel Protect360! Not only will you be covered for Overseas Medical Expenses and Trip Cancellation due to COVID-19, but we are also now rewarding you with No Claim Discount. *Terms apply.

Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.

Annual Unlimited

Annual Travel Insurance Promotion
50% Discount + 50% refund* + NCD

Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.63 / day. This could be a better value than buying single trip insurance for each holiday! *Terms apply.

Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.

COVIDSafe Travel Protect360.

Packed with enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance in town.

Enhanced Benefits with COVID-19 Cover

*NEW FEATURE* Making your vacation safe even during a pandemic

Get a peace of mind when you are travelling during the pandemic with our new COVID-19 benefits for Travel Protect360! Even if you require medical assistance or trip cancellation due to COVID-19, you can be assured that you are well covered!

Travel No Claims Discount

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.

Travel Inconvenience Protection

Be protected with comprehensive Travel Inconvenience cover

No traveller will wish for travel cancellations and travel interruptions and we are here to protect you from these inconveniences! No matter if it is the loss of baggage or insolvency of travel agencies, be assured that you are well protected!

Why You Should Choose COVIDSafe Travel Protect360

Packed with enhanced benefits to give you peace of mind, COVIDSafe Travel Protect360 is the best travel insurance in town.

COVID-19 Travel Concierge

With regional alarm centres available 24/7, you can travel with a peace of mind knowing support is #OneClickAway. Connect with EMA Global via your communication method-of-choice: Click here to find out more.

Best COVID-19 Coverage

Traveling during the pandemic can be stressful, not knowing if your plans give you a proper coverage. With our enhanced COVIDSafe Travel Protect360, you can travel knowing that you are covered up to $200,000 in overseas medical expenses incurred due to COVID-19.

COVID-19 Quarantine Allowance

Be reimbursed with up to $1,500 even when you are quarantined overseas.

Enjoy No Claims Discount

If you do not make any claims from your travel insurance, you get up to 10% off your next travel insurance purchase, stacked on top of our promotions.

Greater Flexible Coverage

If you have to make changes to your trip due to the COVID-19 pandemic, COVIDSafe Travel Protect360 allows you to make adjustments to your policies. When your family is protected by COVIDSafe Travel Protect360, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.

Stay Protected From Travel Inconvenience

Be it loss of baggage or insolvency of travel agencies, our COVIDSafe Travel Protect360 ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences!

Enhanced Benefits of our Travel Insurance

With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind.
COVIDSafe Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.

20210714-COVID--Travel-Icon

COVID-19 Cover

Accident - Casualty

Overseas Medical Expenses

NCD-Travel-Icon

Travel No Claims
Discount

Inconvenience-Travel-Icon

Extensive Travel
Inconvenience Benefits

Other Promotions

HL Bank Debit Card

HL Bank Debit Card Travel Insurance Promotion

Get up to $30 voucher when you sign up for COVIDSAFE Travel Protect360 and pay with HL Bank Debit Card.

*Terms apply.

What Our Customers Have To Say About Us

  Preferred Travel 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.

  Hassle-Free Claims

Customer Review by Jack Wong

For my annual travel insurance, I always go with HLAS, their price is most reasonable with good enough coverage and the claim process is hassle-free. I always recommend my friends and colleagues to them.

  Prompt And Excellent Service

Customer Review by H L

What professionalism! Prompt and excellent service for travel insurance as well as car insurance. I had immediate attention and was certainly impressed! 😀👌🏻

 Seamlessly Easy And Convenient

Customer Review by Rasidah Maya

We get our travel insurance regularly from HL Assurance. Seamlessly easy and convenient online purchase. Thank you Jerry He for assisting me with the changes I needed and the advice given for my queries.

 Good Choice For Travel Insurance

Customer Review by Choon Xiang

I am really inspired with HLAS travel NCD. You get rewarded for Safe Travels which everyone wishes. No doubt is your good choice for travel insurance.

COVIDSafe Travel Protect360 Insurance Promotion Terms And Conditions

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion Terms and Conditions
  • Between the dates 1 Mar 2022 and 30 June 2022 (both dates inclusive), customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will be automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
  • For COVIDSafe 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 COVIDSafe 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.

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

    COVIDSafe Travel Protect360 Single Trip COVIDSafe 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 COVIDSafe Travel Protect360 Single Trip purchase. Additional 10% for next COVIDSafe Travel Protect360 Annual Plan renewal
    Subsequent  purchase with no claims 30 days after policy end date. Additional 10% for next COVIDSafe 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. © 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 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.

COVIDSafe Travel Protect360 Promotion Terms and Conditions

  • The promotion is held from 15 October 2021 and 30 November 2021 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 policy during the Promotion Period will be entitled to a 50% off any Single Trip policies, provided that the policy is not subsequently cancelled.
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 policy during the Promotion Period will be entitled to a 40% off any Annual Trip policies, provided that the policy is not subsequently cancelled.
  • Every 10th customer who purchases a Single Trip policy is entitled to a free Single Trip policy, during the promotion period. This is limited to 100 policies.
  • The lucky 10th customer will be contacted by HL Assurance and the free policy will be given in the form of a refund of their original transaction through original payment method. The refund will be made within 6 to 8 weeks from the end of promotion period.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
  • 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.
  • This promotion is not valid with any on-going travel discounts, schemes or privileges.
  • 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 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.

Terms and Conditions for COVIDSafe Travel Protect360 Promotion (Single Trip)

  • The promotion is held from 1 December 2021 and 15 December 2021 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled and no claim is made.
  • Every 10th customer who purchases a Single Trip policy is entitled to a free Single Trip policy, during the promotion period. This is limited to 100 policies.
  • The lucky 10th customer is able to assign a buddy to enjoy a free Single Trip policy and will be contacted by HL Assurance to provide the policy information on his/her buddy.
  • The free policies will be given in the form of a refund of their transactions through original payment methods. The refund will be made within 90 days from the end of promotion period.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
  • 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.
  • This promotion is not valid with any on-going travel discounts, schemes or privileges.
  • 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 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.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

  • The promotion is held from 1 March 2022 and 30 June 2022 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to a 40% discount.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
  • 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.
  • This promotion is not valid with any on-going travel discounts, schemes or privileges.
  • 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 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.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

  • The promotion is held from 1 March 2022 and 30 June 2022 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
  • If the eligible customers do not make any overseas trip more than once a year and do not make any claims from the annual policy, customers are entitled to a 50% refund of the premium paid at the end of their annual trip policies.
  • The eligible customers need to come to our office to file for the refund. You are required to bring original documents of passport and National Registration Identity Card (NRIC) for verification purposes.
  • The refund will be paid to the original payment method when used to purchase the annual travel policy. The refund will be made within 90 days from the date you file for refund.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
  • 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.
  • This promotion is not valid with any on-going travel discounts, schemes or privileges.
  • 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 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.

Terms and Conditions for “Geneco x HLAS Spin-and-Win”

  • The promotion is held from 24 January 2022 to 28 February 2022 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip Policy during the Promotion Period will be entitled to a $20 Fairprice Voucher(“Gift”), provided that the policy is not subsequently cancelled.
  • This promotion is not applicable with other promotions.
  • This promotion is only applicable for new purchases made via HL Assurance web at https://www.hlas.com.sg/personalinsurance/travelinsurance/
  • 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.
  • 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 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.
  • All vouchers and gifts are to be collected at HL Assurance Main office.
  • 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 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.

Terms and Conditions for “Geneco-Stack & Save Campaign”

  • The promotion is held from 04 May 2022 to 30 June 2022 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Enhance Annual Trip Policy onwards during the Promotion Period will be entitled to a $20 Shopping Voucher(“Gift”), provided that the policy is not subsequently cancelled.
  • This promotion is not applicable with other promotions.
  • This promotion is only applicable for new purchases made via HL Assurance at
    https://app.hlas.com.sg/redirect?type=travel&referral=SEP&tripType=annual
  • This promotion is limited to the first 100 customers.
  • 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.
  • Upon successful payment of policy, Qualified Customers will receive a redemption letter/email 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 Shopping Vouchers where email address provided by policyholder is invalid or incorrect.
  • 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.
  • All vouchers and gifts are to be collected at HL Assurance Main office.
  • 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 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.

Terms and Conditions for "HL Bank Debit Card Travel Insurance" Promotion

  • The Promotion is held from 28 May 2022 to 30 June 2022, 11:59pm (both dates inclusive).
  • Eligible customers who successfully purchase the following COVIDSafe Travel Protect360 Policies during the Promotion Period will be entitled to Grab E-vouchers (“Gift”), provided that the policy is not subsequently cancelled. Payment must be made through HL Bank Debit Card.
    Plan Type Minimum Premium charged to HL Bank Debit Card (excl GST) Gift Number of transactions
    Single Trip S$60 and above $10 Grab Evoucher First 200 transactions
    Annual Unlimited S$350 and above $30 Grab Evoucher First 200 transactions
  • This promotion is not applicable with other promotions.
  • This promotion is valid for new purchases made via HL Assurance web :
    https://www.hlas.com.sg/personalinsurance/travelinsurance/ or HL Bank Travel insurance page:
    https://www.hlbank.com.sg/en/personal-banking/insurance/lifestyle/travel-insurance.html     and is not applicable to any purchase from HL Assurance’s agency partner.
  • The E-voucher will be sent to an Eligible Policyholder’s email address (based on HL Assurance’s records), within fourteen (14 working days after HL Assurance determines in its absolute discretion that the criteria under this Promotion have been met, barring any unforeseen technical delays.
  • HL Assurance is also not obliged to replace any vouchers(“Gift”) where email address provided by policyholder is invalid or incorrect.
  • 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. © 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 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.
  • HL Bank’s Debit Card Terms & Conditions and Cardmember Agreement shall apply, a copy of which may be accessed on the HL Bank website.
COVIDSafe Travel Protect360 Insurance Benefits And Coverage
What our Travel Insurance in Singapore Covers

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

Coverage
( represents the new and improved benefits )		Basic
No COVID Coverage		Enhanced Superior
Popular 		Premier
Medical And Other Expenses
Overseas Medical Expenses
Adult (age 70 years and below)150,000 250,000500,000750,000
Adult (age above 70 years)50,00050,000100,000100,000
Child 100,000 100,000100,000100,000
Medical Expenses in Singapore
Adult (age 70 years and below) 10,00015,00020,00025,000
Adult (age above 70 years)1,0001,5002,5005,000
Child 1,0001,5002,5005,000
Compassionate Visit 3,0005,00010,00015,000
Repatriation of Mortal Remains UnlimitedUnlimitedUnlimitedUnlimited
Overseas Funeral Expenses1,0001,5002,0002,500
Return of Minor Children 3,0005,0008,00010,000
Emergency Medical EvacuationUnlimitedUnlimitedUnlimitedUnlimited
Overseas Hospital Cash Benefit
(S$200 for every 24 hours) 		10,00015,00020,00025,000
Hospital Cash Benefit in Singapore
(S$200 for every 24 hours) 		6001,0001,6002,000
Personal Accident
Accidental Death & Permanent Disablement
Adult (age 70 years and below) 200,000250,000300,000350,000
Adult (age above 70 years)50,00050,00050,00050,000
Child 50,00050,00050,00050,000
Credit Card Outstanding Balance1,0001,5002,0002,500
Cash Relief for Death due to Accident3,0004,0005,0006,000
Child Education GrantNA50,00050,00050,000
Benefit per ChildNA5,0005,0005,000
Travel Inconvenience
Loss of Baggage and Personal Effects3,0005,0007,0008,000
Personal Money250250500500
Personal Documents2,0003,0004,0005,000
Emergency Phone Charges100100100100
Delayed Baggage
(S$100 for every 6 hours)		8001,0001,2001,500
Trip Cancellation 5,0007,00012,00015,000
Trip Curtailment3,0005,0008,00010,000
Travel Delay
(S$100 for every 6 hours)		1,0001,0001,0001,000
Travel Postponement5001,0001,5002,000
Travel Misconnections
(S$100 for every 6 hours)		200200200200
Trip Disruption5001,0002,0003,000
Flight Overbooked
(S$100 for every 6 hours)		100100100100
Flight Diversion
(S$100 for every 6 hours) 		1,0001,0001,0001,000
Hijack of Common Carrier
(S$100 for every 6 hours)		5001,0002,0003,000
Kidnap & Hostage
(S$500 for every 6 hours)		NA2,5005,0007,500
Insolvency of Travel Agency NA1,0002,0003,000
Liability
Personal Liability500,000500,0001,000,0001,000,000
Lifestyle
Loss of Home Contents due to Burglary1,0001,5002,0002,500
Golfing "Hole in One"150250350450
Credit Card ProtectionNA6001,0001,500
Rental Car Excess 500 7501,000 1,250
Enhanced Medical Benefits (for COVID-19)
Overseas Medical Expenses due to COVID-19
Adult (age 70 years and below) NA50,000150,000200,000
Adult (age above 70 years) NA25,00075,000150,000
Child NA50,000150,000200,000
Overseas Hospital Cash Benefit due to COVID-19
($100 for every 24 hours)		NA1,0002,0003,000
Overseas Quarantine Allowance due to COVID-19 NA5001,0001,500
For every 24 hoursNA50100150
Repatriation of Mortal Remains due to COVID-19 NAUnlimitedUnlimitedUnlimited
Emergency Medical Evacuation due to COVID-19 NAUnlimitedUnlimitedUnlimited
Enhanced Travel Inconvenience (for COVID-19)
Trip Cancellation due to COVID-19 NA1,0002,0003,000
Trip Postponement due to COVID-19 NA7501,5002,000
Trip Curtailment due to COVID-19 NA1,0002,0003,000
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 COVIDSafe Travel Protect360 Insurance

Q: Can I continue my medical treatment for injury or sickness sustained overseas, when I return to Singapore?

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.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?

A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?

A: No. Our policy does not cover any pregnancy-related issues.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?

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.

Q: Is dental treatment covered while I am overseas?

A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: What is the time frame for submitting a travel claim when I return to Singapore?

A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?

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.

Q: What should I do if I need assistance while overseas?

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.

Q: Will I be covered if I am going overseas to receive medical treatment?

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.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway GP clinics ?

A: The list of Healthway GP clinics can be found here. Special rates will apply for renewal customers only.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway Dental clinics ?

A: The list of Healthway Dental clinics can be found here. Special rates will apply for renewal customers only.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?

A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here.

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:

    1. 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)
    2. 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
    3. 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
    4. 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
    5. 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)
    6. 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
    7. 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
    8. 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)

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.

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