HL Assurance Maid Protect360 Pro Review: Prevent High Out-Of-Pocket Expenses With Its Enhanced Medical Rider

Calling all value-minded employers. Finding a maid insurance plan that protects both you and your helper can come at a great cost. However, if you’re willing to spend a bit more than the market rate for a mid- to high-tier plan, you’ll be able to reap the full benefits of the HL Assurance Maid Protect360 and enjoy its highly competitive medical coverage protection to boot.

Pros and cons of HL Assurance Maid Protect360 Pro

Key features of HL Assurance Maid Protect360 Pro

#1  Four pricing tiers for greater flexibility

Unlike other maid insurance plans in the market, HLAS offers not three but four different tiers, starting from the Silver plan with the most minimal coverage at just S$247.30 a year to the Diamond plan, which offers the most coverage for the highest annual premium of S$488.60. 

However, one drawback of the four tiers is that the difference between Silver and Diamond is quite significant. If you’re looking for the lowest tier plan, you’ll have to forego important benefits such as outpatient medical and dental, as well as compensation for wages and levy reimbursement.

#2 Enjoy member rates at their panel clinics islandwide

HLAS Maid Protect360 stands out here as outpatient benefits are pretty much a rarity in the maid insurance scene. Cut down on costs and ensure your helper is well taken care of when she’s under the weather, by paying a visit to any one of HLAS’s list of dental and GP clinics near you. 

#3 COVID-19 and other infectious diseases are covered

Opt for the Enhanced Medical Benefits rider to enjoy a plethora of perks and further protect yourself against high out-of-pocket costs, such as COVID-19 coverage in the event of her hospitalisation from a COVID-19 diagnosis during SHN or within 30 days after SHN.

Besides COVID-19, a host of infectious diseases is also covered under HLAS. The extensive Enhanced Medical Benefits rider offers cover for illnesses such as avian influenza, HFMD, zika and dengue.

Exclusions are an important thing to consider before signing up for a maid insurance plan. To get the full list of exclusions, be sure to take a look at the plan’s policy documents. 

General exceptions: 

• Injury or illness caused by any pre-existing conditions
• A critical illness diagnosis within 90 days days from the policy’s effective date
• Under the influence of drugs or alcohol
• Criminal or unlawful acts committed by your helper
• Pegnancy, abortion, miscarriage, childbirth or any related complications

For whom is HL Assurance Maid Protect360 Pro best for?

Fortunately, the HLAS Maid Protect360 Pro provides four tiers that cover a wider range of preferences. 

That said, if you’re working with a tighter budget, you may go for the Silver or Gold to get great coverage at a reasonable annual rate. However, those looking to step it up and ensure that they’re well-protected against unforeseen expenses might go for the steeper but more comprehensive Platinum or Diamond tiers. 

Plan tiers, premiums and latest promotions

How much does HL Assurance Maid Protect360 Pro cost?

This maid insurance plan is the most flexible one out there, in that it has four tiers to ensure that you’ll find your exact cup of tea, whether it’s to cover the basics or to maximise coverage across all aspects. Here, we’ve compiled the prices of each tier below. Do note that all prices include 8% GST. 

What promotions are there for HL Assurance Maid Protect360 Pro?

There are no ongoing promotions at the moment.

How to claim

Once you and your helper are covered under HLAS, the claim process is pretty straightforward. All you have to do is gather the supporting documents as well as the completed claim form, and submit via:

• Email: claims@hlas.com.sg
• Fax: 6224 1923
• Post to the HLAS office: HL Assurance office at 11 Keppel Road #11-01 ABI Plaza Singapore 089057

Protected up to specified limits by SDIC.

Note: This is only product information provided. You may wish to seek advice from a qualified adviser before buying the product. If you choose not to seek advice from a qualified adviser, you should consider whether the product is suitable for you. Buying an insurance product that is not suitable for you may impact your ability to finance your future healthcare needs.

If you decide that the policy is not suitable after purchasing the policy, you may terminate the policy in accordance with the free-look provision, if any, and the insurer may recover from you any expense incurred by the insurer in underwriting the policy.

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