Important Notice
The Ministry of Foreign Affairs has put up travel advisories against non-essential travel to Israel and Palestinian Territories. Please click here if you intend to or have purchased a travel plan to these areas.
Get your dream holiday!
Protect you and your family with our COVIDSafe Travel Protect360.
Stand a chance to WIN a flight ticket of your choice
Refer to the table below for point allocation.
| Eligible Products | Points awarded |
| COVIDSafe Travel Protect360 (Annual) | 5 |
| COVIDSafe Travel Protect360 (Annual Family) | 10 |
| COVIDSafe Travel Protect360 (Single) | 1 |
| COVIDSafe Travel Protect360 (Single Family) | 2 |
For Terms and Conditions, click here
Planning a getaway? Travel confidently with coverage of up to $1 Million for overseas medical expenses, trip inconveniences, and even COVID-19. Enjoy 50% off your plan today and take advantage of our exclusive No Claims Discount (NCD). *Terms apply
Please refer to below Single Trip Travel Insurance Promotion Terms and Conditions for more redemption details.
Travelling more than twice in a year? Get our annual multi-trip insurance policy and additional travel perks at just $0.52 / day. Take advantage of our annual travel insurance promotion and discounts today!
Please refer to below Annual Multi Trip Travel Insurance Promotion Terms and Conditions for details.
Packed with all-inclusive enhanced benefits to give you peace of mind, Travel Protect360 is the best travel insurance with COVID-19 coverage in Singapore. Choose from a variety of recommended plans that secure protection and peace of mind today: single trip, annual, long term, family, seniors and more.
Buy your travel insurance online to ensure a hassle-free trip for you and your loved ones.
*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!
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.
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!
With regional alarm centres available 24/7, you can travel with peace of mind, knowing support is #OneClickAway. Connect with Global Teleconsultation via your communication method of choice. Click here to find out more.
Travel with confidence knowing that our Enhanced Travel Protect360 Plan offers you coverage of up to $750,000 for overseas medical expenses, ensuring peace of mind wherever your journey takes you.
Be it loss of baggage or insolvency of travel agencies, our comprehensive travel insurance cover ensures that you are well protected from travel cancellations, travel interruptions and other inconveniences!
Be reimbursed with up to $1,500 even when you are quarantined overseas as part of our many COVID-19 travel insurance coverage benefits.
HLAS is the only insurer in Singapore who offers up to 10% off your next travel insurance purchases with us if you remain claim-free on your previous travels.
If you have to make changes to your trip due to the COVID-19 pandemic, Travel Protect360 allows you to make adjustments to your policies. When your family is protected by Travel Protect360 insurance, we are happy to make adjustments even when the trip needs to be cancelled because of one person in the family.
With our enhanced travel insurance, you can now be ready for all your adventures and travel with peace of mind.
Travel Protect360 insurance provides the comprehensive travel insurance coverage you need for your holiday.
COVID-19 Cover
Overseas Medical Expenses
Travel No Claims
Discount
Extensive Travel
Inconvenience Benefits
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.
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.
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! 😀👌🏻
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.
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.
Note: Swipe left or right to view the full table on your mobile screen.
| 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. | ||
To view full details on Travel Protect360 Insurance Promotion Terms and Conditions, click here.
Read the full terms and conditions
Note: Swipe left or right to view the full table on your mobile screen.
| Coverage ( represents the new and improved benefits ) | Basic No COVID-19 Coverage | Enhanced | Superior Popular | Premier |
| Medical And Other Expenses | ||||
| Overseas Medical Expenses | ||||
| Adult (age 70 years and below) | 150,000 | 250,000 | 500,000 | 750,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 100,000 | 100,000 |
| Child | 100,000 | 100,000 | 100,000 | 100,000 |
| Medical Expenses in Singapore (Capped at S$100 per visit where no initial treatment was sought overseas) |
||||
| Adult (age 70 years and below) | 10,000 | 15,000 | 20,000 | 25,000 |
| Adult (age above 70 years) | 1,000 | 1,500 | 2,500 | 5,000 |
| Child | 1,000 | 1,500 | 2,500 | 5,000 |
| Compassionate Visit | 3,000 | 5,000 | 10,000 | 15,000 |
| Repatriation of Mortal Remains | Unlimited | Unlimited | Unlimited | Unlimited |
| Overseas Funeral Expenses | 1,000 | 1,500 | 2,000 | 2,500 |
| Return of Minor Children | 3,000 | 5,000 | 8,000 | 10,000 |
| Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited | Unlimited |
| Overseas Hospital Cash Benefit (S$200 for every 24 hours) | 10,000 | 15,000 | 20,000 | 25,000 |
| Hospital Cash Benefit in Singapore (S$200 for every 24 hours) | 600 | 1,000 | 1,600 | 2,000 |
| Personal Accident | ||||
| Accidental Death & Permanent Disablement | ||||
| Adult (age 70 years and below) | 200,000 | 250,000 | 300,000 | 350,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 50,000 | 50,000 |
| Child | 50,000 | 50,000 | 50,000 | 50,000 |
| Credit Card Outstanding Balance | 1,000 | 1,500 | 2,000 | 2,500 |
| Cash Relief for Death due to Accident | 3,000 | 4,000 | 5,000 | 6,000 |
| Child Education Grant | NA | 50,000 | 50,000 | 50,000 |
| Benefit per Child | NA | 5,000 | 5,000 | 5,000 |
| Travel Inconvenience | ||||
| Loss of Baggage and Personal Effects | 3,000 | 5,000 | 7,000 | 8,000 |
| Personal Money | 250 | 250 | 500 | 500 |
| Personal Documents | 2,000 | 3,000 | 4,000 | 5,000 |
| Emergency Phone Charges | 100 | 100 | 100 | 100 |
| Delayed Baggage For every 6 hours while overseas After 6 hours in Singapore (Benefit is payable only if no claim for lost or damaged baggage has been made and accepted under Loss of Baggage and Personal Effects.) | 800 100 100 | 1,000 100 100 | 1,200 100 100 | 1,500 100 100 |
| Trip Cancellation | 5,000 | 7,000 | 12,000 | 15,000 |
| Trip Curtailment | 3,000 | 5,000 | 8,000 | 10,000 |
| Travel Delay (S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 | 1,000 |
| Travel Postponement | 500 | 1,000 | 1,500 | 2,000 |
| Travel Misconnections (S$100 for every 6 hours) | 200 | 200 | 200 | 200 |
| Trip Disruption | 500 | 1,000 | 2,000 | 3,000 |
| Flight Overbooked (S$100 for every 6 hours) | 100 | 100 | 100 | 100 |
| Flight Diversion (S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 | 1,000 |
| Hijack of Common Carrier (S$100 for every 6 hours) | 500 | 1,000 | 2,000 | 3,000 |
| Kidnap & Hostage (S$500 for every 6 hours) | NA | 2,500 | 5,000 | 7,500 |
| Insolvency of Travel Agency | NA | 1,000 | 2,000 | 3,000 |
| Liability | ||||
| Personal Liability | 500,000 | 500,000 | 1,000,000 | 1,000,000 |
| Lifestyle | ||||
| Loss of Home Contents due to Burglary | 1,000 | 1,500 | 2,000 | 2,500 |
| Golfing "Hole in One" | 150 | 250 | 350 | 450 |
| Credit Card Protection | NA | 600 | 1,000 | 1,500 |
| Rental Car Excess | 500 | 750 | 1,000 | 1,250 |
| Enhanced Medical Benefits (for COVID-19) | ||||
| Overseas Medical Expenses due to COVID-19 | ||||
| Adult (age 70 years and below) | NA | 50,000 | 150,000 | 200,000 |
| Adult (age above 70 years) | NA | 25,000 | 75,000 | 150,000 |
| Child | NA | 50,000 | 150,000 | 200,000 |
| Overseas Hospital Cash Benefit due to COVID-19 ($100 for every 24 hours) | NA | 1,000 | 2,000 | 3,000 |
| Overseas Quarantine Allowance due to COVID-19 | NA | 500 | 1,000 | 1,500 |
| For every 24 hours | NA | 50 | 100 | 150 |
| Repatriation of Mortal Remains due to COVID-19 | NA | Unlimited | Unlimited | Unlimited |
| Emergency Medical Evacuation due to COVID-19 | NA | Unlimited | Unlimited | Unlimited |
| Enhanced Travel Inconvenience (for COVID-19) | ||||
| Trip Cancellation due to COVID-19 | NA | 1,000 | 2,000 | 3,000 |
| Trip Postponement due to COVID-19 | NA | 750 | 1,500 | 2,000 |
| Trip Curtailment due to COVID-19 | NA | 1,000 | 2,000 | 3,000 |
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).
A: Yes, the Company will indemnify you for follow-up treatment within thirty (30) days after Your return from the Trip, provided you have sought initial treatment overseas for Bodily Injury or Sickness which occurred outside Singapore during the Trip within the Period of Insurance and such initial treatment is claimable under the Overseas Medical Expenses benefits.
A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment sought within three (3) days after your return from the Trip 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, and subject to a limit of S$100 per visit.
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 travel insurance 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 baggage, air ticket arrangements, emergency medical evacuation, referral services for interpreters / translators, 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. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.
A: No. Our travel insurance policy does not cover any pregnancy-related issues.
A: Yes, dental treatment is covered (as a result of Bodily Injury only).
A: No. The travel insurance plan does 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: No. Our travel insurance does not cover adventure activities. You can find the list of exclusions in our policy wordings.
A: A 3-day waiting period applies only to trip cancellation, postponement, and curtailment due to COVID-19 in Enhanced Travel Inconvenience (for COVID-19).
A: Buying your travel insurance from HL Assurance is a straightforward process. You can purchase your desired policy online. Simply visit our travel insurance section, select the plan that suits your needs, and follow the steps for a hassle-free purchase experience.
A: Yes. This is subject to our underwriter’s approval. You can call or email us before the policy expires. If you’re wondering where to buy travel insurance for extended trips, you can easily do so through our website or contact our customer support at 6702 0202 for assistance.
A: Generally, travel insurance should be purchased before your trip commences.
A: You may cancel the Policy before the start of your trip with administrative charges applicable.
A: Single Trip Travel Insurance provides coverage for the destination you’ve indicated. Meanwhile, an Annual Trip Travel Insurance gives better value should you have already planned to go on more than two trips in the year.
A: Please indicate the countries you will be travelling to when you buy your travel insurance online. If you’re wondering where to buy travel insurance online, simply visit our website’s travel insurance section for a seamless online purchase experience.
A: You can find out more about our Terms and Conditions for Travel Protect360 here.
A: We provide comprehensive travel insurance coverage of four (4) levels with diverse limits: Basic, Enhanced, Superior and Premier. Though the limits vary, the coverage is broad and has everything you’re looking for in a travel insurance plan.
All plans cover the following travel benefits:
Chat with us if you have any questions via WhatsApp and we will be happy to answer your queries!
Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.
Common documents required for all Travel Insurance Claims:
We will contact you for any additional documents that may be required.
You may 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(s) by email. You can also call our Hotline at 6922 6003 to check on your claim(s).
Thank you for insuring with us.
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