What Is Choice Protect360? Your All-in-One Insurance Plan

Making sure you have adequate insurance coverage is part and parcel of good financial planning. But if we’re going to be honest, keeping track of multiple plans and premium payments can get tedious!

Now, thanks to HL Assurance’s four-in-one insurance plan Choice Protect360, you can combine up to four types of insurance protection into a single, flexible plan that’s tailored to your needs and lifestyle — all while enjoying discounts^[1] that makes it more affordable to get the protection you need.

Comprehensive Coverage in One Plan

Choice Protect360 is HL Assurance’s innovative insurance solution that simplifies your coverage needs by combining multiple policies into a single, customisable plan.

The plan offers four tiers: Basic, Silver, Gold, and Platinum, each providing varying levels of coverage based on your needs. And every Choice Protect360 plan comes with personal accident coverage.

Here’s an overview of the key personal accident benefits included:

$100,000 to $500,000 lump sum payout in the event of accidental death or permanent disablement
$2,000 to $10,000 for accident medical reimbursement
$50 to $250 daily hospital income
$1,000 to $5,000 parent(s) support grant

But that is not all. To meet your unique needs, Choice Protect360 allows you to enhance your coverage with optional add-ons. The more add-ons you stack onto your plan, the more you can take advantage of stacked discounts. As a result, the total cost can work out to much less than if you were to buy separate insurance plans in order to fulfil the same needs.

How to Customise Your Choice Protect360 Plan

Choice Protect360 offers the flexibility to adapt to your unique needs. While every plan includes comprehensive personal accident coverage, you can enhance your protection by purchasing add-ons for other aspects of your life like:

Home Contents Insurance: Safeguard your home and belongings with up to $200,000 coverage for furniture and renovations. Additional perks include $15,000 for alternative accommodation and $1,000,000 in personal liability coverage.
Hospital Income Insurance: Focus on recovery with daily cash payouts of up to $300 during hospitalisation or ICU stays. You’ll also get a $50 daily recuperation benefit for up to 30 days post-hospitalisation.
Annual Travel Insurance: Enjoy peace of mind on trips with up to $100,000 for overseas medical expenses, unlimited emergency medical evacuation, and coverage for travel mishaps like cancellations, delays, and lost baggage .

To customise your plan, simply follow these steps:

Visit HL Assurance’s Choice Protect360 website and select your preferred tier: Basic, Silver, Gold, or Platinum.
Add optional coverage based on your needs, such as home contents, hospital income, or annual travel insurance.
Review your choices to see stacked discounts applied automatically.
Complete your purchase to get your tailored, all-in-one insurance plan.

Maximise Your Savings with Stacked Discounts

Customising your plan doesn’t just give you better protection — it can also save you money. With stacked discounts, the more add-ons you select, the more you save.

Here are some discounts you can enjoy:

Family Plan Benefits: 10% off personal accident premiums if you purchase with your spouse, with free personal accident benefits for children (capped at 25% or 30% of the total sum assured).
Add-On Discounts: Save 5%, 10%, or 15% when you purchase one, two, or three add-ons respectively.
No-Claim Discounts: Enjoy a 5% discount after one no-claim year, increasing to 10% for two or more consecutive no-claim years.

These discounts are automatically applied during purchase and renewals, ensuring you get maximum value from your customised plan.

Simplify Your Insurance Needs with Choice Protect360 Today

Smiling Asian woman looking at her insurance plans from HL Assurance

Getting all your general insurance needs met has never been easier and more affordable with HL Assurance’s Choice Protect360. Whether you need personal accident, home contents, hospital income and/or annual travel insurance, Choice Protect360 lets you conveniently combine the various add-ons you need.

To find out what Choice Protect360 is and why it’s the right plan for you, visit HL Assurance today. For a limited time, sign up and receive a $30 Shopee voucher.

Disclaimer: All info contained herein is intended for your general information only and is not a substitute for general insurance advice. If you have a specific question, please consult our insurance experts at 6702 0202.