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

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If comprehensive maid protection at a wide range of price points is what you’re scouring the market for, look no further than the HL Assurance Maid Protect360.

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

ProsCons
COVID-19 coverage protects your helper throughout the SHN period (or within 30 days after SHN) and those returning from home leaveBasic plan does not provide for Third Party Liability benefit
Higher-than-average hospital and surgical coverageBasic plan does not cover outpatient medical and dental benefits
Outpatient visits at member rates when you visit panel clinics islandwideDoes not cover pre-existing conditions
Extensive medical coverage for infectious diseasesExcludes a free look period
Enhanced medical benefits rider comes with free medical teleconsultation
Comes in four tiers: Basic, Enhanced, Premier and Exclusive

Key features of HL Assurance Maid Protect360

#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 Basic plan with the most minimal coverage at just S$239 a year to the Exclusive, which offers the most coverage for the highest annual premium of S$456. 

However, one drawback of the four tiers is that the difference between Basic and Exclusive 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.

Important exclusions to note

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 best for?

Fortunately, the HLAS Maid Protect360 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 Basic or Enhanced 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 Premier or Exclusive tiers. 

Plan tiers, premiums and latest promotions

BenefitsBasicEnhancedPremierExclusive
Accidental deathS$60,000S$60,000S$60,000S$60,000
Permanent disablementS$60,000S$60,000S$60,000S$60,000
Medical expensesS$1,000S$2,000S$3,000S$4,000
Hospital and surgicalS$30,000S$40,000S$60,000S$80,000
Termination and re-hiring expensesS$200S$300S$500S$600
Maid’s personal belongingsNAS$1,000S$2,000S$3,000
Compensation for wages and levy reimbursementNAS$30S$50S$60
Outpatient medical benefitsNAYesYesYes
Outpatient dental benefitsNAYesYesYes

How much does HL Assurance Maid Protect360 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. 

BasicEnhancedPremierExclusive
S$239S$292S$377S$456

What promotions are there for HL Assurance Maid Protect360?

HL Assurance Maid Protect360 Promotion: Receive S$50 via PayNow when you apply. Valid till 15 July 2021. T&Cs apply.

Enjoy S$15,000 p.a. COVID-19 Hospitalisation Coverage — including SHN and helpers returning from home leave — when you purchase the Enhanced Medical Benefit Rider. T&Cs apply.

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.


Read these next:
Best Maid Insurance Promotions and Discounts
Maid Insurance 2021: What To Look Out For and How To Find the Best Plan?
7 Most Reliable Maid Agencies In Singapore 2021
Maid Insurance: How To Get COVID-19 Protection For Your Foreign Domestic Worker
How To Find The Most Value-For-Money Maid Insurance Plan


By Marissa Saini
Your friendly neighbourhood cat enthusiast who enjoys not being broke. Spend less, save more is the name of the game. Firm believer that being financially savvy is not about the destination, but the friends you make along the way.