HL Assurance Travel Insurance Policy in Singapore
Hong Leong Assurance Travel Protect360 is a comprehensive travel insurance plan designed specifically for the Singapore market. With its broad coverage, affordable pricing, and excellent customer service.
Hong Leong Assurance Travel Protect360 is a wonderful option for travellers who want to ensure they are protected in case of unforeseen events while travelling.
It also offers additional savings the next time you buy a travel insurance policy through their No Claims Discount feature. So, whether you're planning a quick weekend getaway or an extended trip abroad, Hong Leong Travel Insurance has a plan that will meet your needs and give you peace of mind on your travels.
HL Assurance Travel Insurance Policy Coverage and Benefits
With a variety of coverage to choose from, Hong Leong Assurance Travel Protect360 ensures that travelers are protected no matter where they go. These insurance coverage options include trip cancellation and interruption, medical and dental emergencies, emergency medical transportation, baggage loss and delay, travel delays and missed connections, and accidental death and disablement.
Personal Accident
Secure comprehensive coverage for personal accidents, providing vital financial support in the event of accidental injuries or death while travelling. This essential benefit acts as a safety net, offering compensation for serious injuries that could occur during your trip. Coverage includes but is not limited to: accidental death, permanent disability, repatriation costs and funeral expenses.
Medical Expenses for Incidents Incurred Overseas and in Singapore
Hong Leong Travel Insurance provides comprehensive coverage for medical expenses. This includes coverage for hospitalisation, outpatient treatment, and prescription medication. Hong Leong Travel Insurance also covers emergency medical evacuation, which ensures that you can be transported to the nearest medical facility in the event of a serious medical emergency. With Hong Leong Travel Insurance, you can enjoy your travels with the peace of mind that comes with knowing that you are protected from unexpected medical expenses.
Travel Inconvenience
Hong Leong Assurance Travel Protect360 provides financial protection to travellers from circumstances that can disrupt their travels. A key benefit of Hong Leong Assurance Travel Protect360 includes compensation for trip cancellation or interruption, travel delays, and missed connections. If your baggage is lost or delayed, your insurance policy will compensate for the loss or the purchase of essential items. Additionally, Hong Leong Assurance Travel Protect360 provides coverage for flight overbooking, which ensures that you will be compensated if you are denied boarding due to an overbooked flight. With Hong Leong Assurance Travel Protect360, travellers are protected despite unexpected travel inconveniences.
Personal Liability
Hong Leong Travel Insurance offers comprehensive coverage for personal liabilities, protecting travellers from financial losses if they are held liable for damages or injuries to others during their travels. This coverage includes personal liability coverage in case of injury or damage to others caused by the insured traveller and accidental damage to property. Hong Leong Travel Insurance also provides coverage for legal expenses incurred due to such incidents.
Lifestyle
Travellers with Hong Leong Assurance Travel Protect360 insurance policies can achieve peace of mind despite unexpected events affecting their lifestyle and enjoyment of their trip. Lifestyle benefits include coverage for loss of home contents due to burglary, golfing "Hole in One", credit card protection and rental car excess.
COVID-19 Coverage
Navigate the evolving landscape of global travel in the post-pandemic era with our tailored COVID-19 coverage. The Hong Leong Assurance Travel Protect360 insurance policy adapts to the ongoing changes and challenges associated with COVID-19, ensuring you remain protected and supported during your travels. Hong Leong Assurance offers coverage for COVID-19-related events for travelers which offers financial protection against the medical costs associated with testing positive for COVID-19 during your trip.
COVID-19 Travel Concierge
Hong Leong Assurance Travel Protect360 offers a COVID-19 Concierge service to help travellers navigate the complexities of travelling during the pandemic. The service provides travellers with access to a dedicated team of experts who can provide up-to-date information on travel restrictions, entry requirements, and COVID-19 testing protocols at their destination. In addition, the service offers assistance with arranging COVID-19 testing, medical consultations, and hospital admissions if necessary. With the COVID-19 Concierge service, Hong Leong Assurance Travel Protect360 aims to provide peace of mind to travellers during these uncertain times, allowing them to focus on enjoying their trip.
Extensive COVID-19 Coverage
Hong Leong COVIDSafe Travel Protect360 Travel Insurance (Enhanced and Superior tiers only) offers extensive COVID-19 insurance coverage for travellers. The policy covers COVID-19 related medical expenses and hospitalisation costs, including emergency medical evacuation and repatriation. The insurance also provides coverage for COVID-19 related travel inconveniences such as trip cancellations or interruptions, travel restrictions or quarantine requirements, travel postponement, or baggage loss. Hong Leong COVIDSafe Travel Protect360 Travel Insurance is designed to provide travellers with comprehensive protection against the unexpected consequences of the pandemic, ensuring that they can travel with confidence and peace of mind.
COVID-19 Quarantine Allowance
If you are required to undergo mandatory quarantine due to COVID-19, Hong Leong COVIDSafe Travel Protect360 Travel Insurance offers a COVID-19 Quarantine Allowance that can help you cover expenses incurred during quarantine. This feature ensures that travellers can still manage their expenses while complying with the necessary quarantine requirements. With Hong Leong COVIDSafe Travel Protect360 Travel Insurance, travellers can have peace of mind knowing they are financially protected in case of any unexpected quarantine requirements.
Hong Leong Travel Insurance No Claims Discount
The No Claims Discount (NCD) feature rewards travellers who have not made any claims during their policy period. The NCD is a percentage-based discount on the insurance premium, and travellers can get up to 10% discount. This feature encourages responsible travel and helps reduce insurance costs for travellers with a good claims history. With Hong Leong Assurance Travel Protect360, travellers can enjoy additional savings on their premiums while having peace of mind with comprehensive coverage.
Things You Should Know About Travel NCD
- Hong Leong Assurance is the only insurance provider in Singapore offering No Claim Discounts (NCD) on insurance policies, including HL Assurance Travel Insurance.
- NCD discounts stack to up to 10% off the next policy you purchase. After one claim-free single trip, you will receive a 5% NCD promo code for your next insurance purchase. If that subsequent trip is ALSO claim-free, you will receive a 10% NCD discount on your next trip. All subsequent consecutive no-claim trips will then entitle you to a 10% NCD promo code, helping you optimise your travel budget even further.
- Both single trip and annual travel insurance policies under Hong Leong Assurance Travel Protect360 are eligible for NCD discounts.
HL Assurance Travel Insurance Policy Packages
HL Assurance offers three distinct travel insurance packages – Basic, Enhanced, and Superior – each designed to meet different levels of coverage needs and budget considerations. From the Basic Plan's focus on essential concerns to the Superior Plan's extensive protections, travellers can select the policy that best fits their travel style and requirements.
HL Assurance Travel Insurance Basic Plan
The HL Assurance Travel Insurance Basic Plan is ideal for those seeking essential coverage at an unbeatable price, emphasising protection against trip and baggage delays, and baggage loss. As these are the most common disruptions for international travel, this basic policy is still suitable for most run-of-the-mill trips and shorter excursions overseas. Plus, its single-trip version comes in at a more affordable price compared to other basic single-trips plans on the market.
HL Assurance Travel Insurance Enhanced Plan
One step up from Basic is the HL Assurance Travel Insurance Enhanced Plan. This policy offers a middle ground with better coverage, particularly for medical evacuation and baggage loss and damage, making it a potential option for thrillseekers and those who need to handle costly luggage on their travels. If you’re a traveller looking for a bit more security without a hefty price tag, this might be the travel insurance plan to consider.
HL Assurance Travel Insurance Superior Plan
For the ultimate in Hong Leong’s travel insurance coverage, the HL Assurance Travel Insurance Superior Plan provides top-tier protection across all fronts, making it the best choice for those leaving nothing to chance. While the aspects covered are almost identical to the HL Assurance Travel Insurance Enhanced Plan, eligible coverage amounts are higher offering greater peace of mind. Plus, its price tag is competitive for 2-week trips to ASEAN and across Asia-Pacific as well as annual global travel insurance.
Compare HL Assurance Travel Insurance Plans
HL Assurance Travel Insurance Policy Summary of Coverage and Premiums
|
Feature |
Basic Plan |
Enhanced Plan |
Superior Plan |
Overseas Medical Treatment and Expenses |
Up to S$150,000 (Excluding COVID-19 Coverage) |
Up to S$250,000 (Including COVID-19 Coverage) |
Up to S$500,000 (Including COVID-19 Coverage) |
Emergency Evacuation |
Unlimited |
Unlimited |
Unlimited |
Cancellation of Trip |
S$5,000 |
S$7,000 |
S$12,000 |
Delay of Trip |
S$1,000 (S$100 for every 6 hours) |
S$1,000 (S$100 for every 6 hours) |
S$1,000 (S$100 for every 6 hours) |
Loss of Baggage/Personal Effects |
S$3,000 |
S$5,000 |
S$7,000 |
What Countries Do HL Travel Insurance Cover?
HL Assurance Travel Insurance policies cover a wide range of countries across three areas of travel:
- Area 1 (ASEAN): Brunei, Cambodia, Indonesia, Laos, East & West Malaysia, Myanmar, Philippines, Thailand and Vietnam
- Area 2 (APAC): Australia, China (Excluding Inner Mongolia and Tibet), Hong Kong, India, Japan, Korea, Macau, New Zealand, Sri Lanka, Taiwan and including countries in Area 1.
- Area 3 (Global): Worldwide including countries listed in Area 1 and 2 (excluding Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Libya, North Korea, Sudan, Somalia and Syria).
HL Assurance Travel Insurance Review for Annual vs Single Trip Purpose
Hong Leong Assurance offers two travel insurance options: Annual Unlimited and Single Trip Insurance. The former is for frequent travellers, while the latter covers a single trip. Both provide comprehensive coverage but have distinct differences to consider. Find out more below or check out our guide to annual travel insurance VS single trip insurance to help you select what suits your travel profile best.
Single Trip
Hong Leong Assurance's Single Trip policy provides comprehensive travel coverage for a one-time trip. It includes benefits such as coverage for medical expenses, trip cancellations, trip interruptions, loss or damage of luggage, and personal accidents. The insurance policy offers flexibility in terms of the duration of the trip, with coverage available for up to 182 days.
Annual Unlimited
Hong Leong Assurance's Annual Unlimited policy is designed for frequent travellers who take multiple trips throughout the year. It provides coverage for unlimited trips, each with a maximum duration of 90 days. The policy includes benefits such as coverage for medical expenses, trip cancellations, trip interruptions, loss or damage of luggage, and personal accidents. With the convenience of having one insurance policy that covers all their trips, frequent travellers can enjoy their journeys with peace of mind.
HL Assurance Travel Insurance Policy Comparison
HL Assurance offers three tiers for both single trip and annual multi-trip travel insurance - Basic, Enhanced, and Superior. For more details, please read the full list of benefits and exclusions in the policy wording.
HL Assurance Travel Insurance Policy Comparison
HL Assurance offers three tiers for both single trip and annual multi-trip travel insurance - Basic, Enhanced, and Superior. For more details, please read the full list of benefits and exclusions in the policy wording.
| Hong Leong Assurance Travel Protect360 Basic | Hong Leong Assurance Travel Protect360 Enhanced | Hong Leong Assurance Travel Protect360 Superior | |
| Overseas Medical Coverage (Adult age 70 and below) | S$150,000 | S$250,000 | S$500,000 |
| Overseas Medical Coverage (Adult age 70 and above) | S$50,000 | S$50,000 | S$100,000 |
| Overseas Medical Coverage (Child) | S$100,000 | S$100,000 | S$100,000 |
| Accidental Death & Permanent Disability (Adult age 70 and below) | S$200,000 | S$250,000 | S$300,000 |
| Accidental Death & Permanent Disability (Adult age 70 and above) | S$50,000 | S$50,000 | S$50,000 |
| Accidental Death & Permanent Disability (Child) | S$50,000 | S$50,000 | S$50,000 |
| Loss of Baggage/Belongings | S$3,000 | S$5,000 | S$7,000 |
| Loss of Personal Money | S$250 | S$250 | S$500 |
| Loss of Personal Documents | S$2,000 | S$3,000 | S$4,000 |
| Delayed Baggage/Delayed Baggage for every 6 hours overseas | S$800/S$100 | S$1,000/S$100 | S$1,200/S$100 |
| Trip Cancellation/Curtailment | S$5,000/S$3,000 | S$7,000/S$5,000 | S$12,000/S$8,000 |
| Travel Delay(S$100 for every 6 hours) | S$1,000 | S$1,000 | S$1,000 |
| Travel Postponement | S$500 | S$1,000 | S$1,500 |
| TravelMisconnections(S$100 for every 6hours) | S$200 | S$200 | S$200 |
| Trip Disruption | S$500 | S$1,000 | S$2,000 |
| Overbooked Flight (S$100 for every 6 hours) | S$100 | S$100 | S$100 |
| Flight Diversion(S$100 for every 6hours) | S$1,000 | S$1,000 | S$1,000 |
| Personal Liability | S$500,000 | S$500,000 | S$1,000,000 |
| Loss of Home Contents due to Burglary | S$1,000 | S$1,500 | S$2,000 |
| Golfing "Hole in One" | S$150 | S$250 | S$350 |
| Credit Card Protection | NA | S$600 | S$1,000 |
| Rental Car Excess | S$500 | S$750 | S$1,000 |
| Overseas Medical Expenses due to COVID-19 | N/A | Up to S$50,000 | Up to S$150,000 |
| Trip Cancellation due to COVID-19 | NA | S$1,000 | S$2,000 |
| Trip Postponement due to COVID-19 | NA | S$750 | S$1,500 |
| Trip Curtailment due to COVID-19 | NA | S$1,000 | S$2,000 |
Compare HL Assurance Travel Insurance Plans
How To Make A Claim For HL Assurance Travel Insurance
Step 1: Notify Hong Leong Travel Insurance
Inform Hong Leong Assurance about your claim within 30 days of the event by:
- Submitting your travel insurance claim through their website.
- Contacting their customer service hotline (non-emergency) at +65 6702 0202.
- Contacting the 24-hour emergency hotline at +65 6922 6009.
Step 2: Prepare the Necessary Documents
Gather all necessary supporting documents for your HL insurance claim such as:
- Original, fully completed, and signed claim form.
- Copy of your flight/travel itinerary.
- Copy of your boarding pass, air tickets, or passport.
Specific documents based on claim type:
- Personal Accident, Medical, Dental, and Other Expenses
- Medical reports, discharge summaries, or doctor's memos.
- Original medical receipts.
- For death claims: Death certificate, autopsy report, coroner’s findings, and documentary proof of relationship.
- Baggage & Personal Effects
- Police report for theft/burglary/robbery lodged within 24 hours.
- Baggage loss or damage report from the carrier.
- Photos of damaged items and receipts/warranty cards.
- Money & Documents
- Police report lodged within 24 hours.
- Receipts for replacing lost documents.
- Additional travel/accommodation receipts for document replacement.
- Baggage Delay
- Baggage delay report.
- Baggage tags from check-in.
- Collection confirmation from the carrier.
- Trip Cancellation / Curtailment
- Medical reports or memos stating unfitness to travel.
- Death certificates and proof of relationship.
- Non-refundable amount confirmation from service providers.
- Travel Delay, Misconnection, Overbooked Flight, or Flight Diversion
- Carrier confirmation detailing reasons and durations.
- Loss of Home Contents due to Burglary
- Police report filed within 24 hours.
- Receipts and photos of lost/damaged items.
- Personal Liability
- Do not admit liability or agree to any settlements without prior consent from HL Assurance.
- Forward all third-party correspondences and documents to us immediately.
- Police report, if applicable.
Additional Documents: We will reach out if further documentation is needed to support your claim.
Step 3: Submit Your Claim and Supporting Documents
- Send your completed claim form and all supporting documents to HLAS Claims at claims@hlas.com.sg. Please remember to include your policy number in all correspondences.
- If you need assistance, reach out to their customer service team for guidance
Step 4: Wait for Your Claim To Be Processed and Reviewed
After submission, you'll receive an automatic email response. Hong Leong Travel Insurance will review your claim and contact you within 14 days to proceed. If further information is required, Hong Leong Assurance may contact you. If your claim is approved, Hong Leong Travel Insurance will provide compensation or reimbursement according to the terms of your policy.
Frequently Asked Questions About HL Assurance Travel Insurance Policy
What are the notable exclusions for Hong Leong Travel Insurance's COVIDSafe Travel Protect360?
The notable exclusions for Hong Leong Travel Insurance's COVIDSafe Travel Protect360 include pre-existing medical conditions, travel to destinations with a travel advisory issued by the Ministry of Foreign Affairs, and travel against the advice of a medical professional. The policy also does not cover claims related to other pandemics or epidemics, except for COVID-19.
Can you file a claim for medical treatment after you've arrived back in Singapore?
Yes, you can file a claim for medical treatment after returning to Singapore. You'll need to notify Hong Leong Insurance of your claim within 30 days of the occurrence and submit all necessary supporting documents to support your claim.
Can you get coverage for pre-existing medical conditions with Hong Leong Travel Insurance?
Hong Leong Assurance does not provide coverage for pre-existing medical conditions unless declared and accepted by the insurer before the start of the trip.
Does Hong Leong Travel Insurance provide coverage for pregnancy-related issues?
No, Hong Leong Assurance doesn't provide coverage for pregnancy-related issues. If you are intending to buy maternity insurance for when you’re expecting, check out SingSaver's guide to travel insurance for pregnant women to figure out how you can best financially protect your growing family.
How can I contact Hong Leong Assurance for travel insurance-related queries?
You can contact Hong Leong Assurance at +65 6702 0202 for any travel insurance-related queries.
Do all HL Assurance insurance plans cover pre-existing medical conditions?
No, HL Assurance travel insurance plans do not cover pre-existing medical conditions unless explicitly stated. Travellers should review the specific terms and conditions of their policy or contact HL Assurance directly to check for any plans that might include such coverage. Explore other travel insurance options that cover pre existing conditions.
Can I purchase HL Assurance travel insurance if I am already abroad?
HL Assurance requires that you purchase travel insurance before you begin your journey from your home country to ensure that your coverage is effective from the start of your trip. Unfortunately, HL Assurance does not offer the option to buy travel insurance after you have already departed. This policy ensures that all travellers are covered under the terms of their insurance without any gaps from the moment their trip begins. Learn when is the best time to buy travel insurance after booking your flights and hotels.
Are adventure sports covered by HL Assurance travel insurance?
Adventure sports coverage varies by insurance policy. Some HL Assurance travel insurance plans might exclude certain high-risk activities unless additional coverage is purchased.If you plan to engage in activities like bungee jumping, scuba diving, or mountaineering, you should buy specific travel insurance that covers adventure activities. This ensures that you are adequately protected while participating in these types of high-risk sports.
How does HL Assurance handle trip cancellations due to natural disasters or political unrest?
HL Assurance covers trip cancellations resulting from unforeseeable events such as natural disasters or sudden political unrest. This coverage aims to reimburse non-refundable expenses, such as pre-paid accommodations or flights. Policyholders are typically required to provide documentation that supports the claim, proving the disruption and demonstrating that the trip could not be delayed or rescheduled. Policy terms regarding cancellations should be reviewed carefully to ensure they meet the specific conditions for filing a claim. Explore travel insurance with natural disaster cover.
Other Travel Insurance Providers
Unsure if HL Assurance Insurance is the best fit for you? Explore other travel insurance providers in Singapore:
AIG Travel Insurance Singapore
Allianz Travel Insurance Singapore
Allied World Travel Insurance Singapore
Direct Asia Travel Insurance Singapore
HL Assurance Travel Insurance Singapore
MSIG Travel Insurance Singapore
Seedly Travel Insurance Singapore
Singlife Travel Insurance Singapore
Sompo Travel Insurance Singapore
Starr Travel Insurance Singapore
TIQ Travel Insurance Singapore
Tokio Marine Travel Insurance Singapore
