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HL Assurance Travel Insurance Review (2024)

Last updated 16 August 2023
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Best in the market for high seasonal discounts

HL Assurance travel insurance plans strike a good balance between affordability and value proposition. The current premium pricing for a short getaway starts from $25. Besides offering high discounts, HL Assurance also offers perks such as hotel booking vouchers and car rental discount with a travel insurance purchase.


Product Summary

HL Assurance Travel Insurance is attractive for consumers who are looking for high value plans at attractive pricing. HL Assurance Travel Insurance provides a 24-hour hotline assistance service for travellers from Singapore that offers immediate support and assistance for emergencies that may arise during a trip, such as medical emergencies, lost or stolen passports/visas, or unexpected travel delays, such as the inability to travel back to Singapore.

HL Assurance Travel Insurance Product Summary
Unlimited emergency medical evacuation/ Unlimited repatriation of mortal remains
In the event of death, bodily injury or sickness whilst travelling out of Singapore and is medically appropriate to move you to another location for medical treatment or to return you or your mortal remains to Singapore, company shall arrange for the mode of evacuation, based on the medical severity of your condition and HL assurance shall pay for such expenses incurred.
24-hour Travel, Emergency Medical and Evacuation Assistance
A key benefit of HL Assurance travel insurance is the 24-hour Travel, Emergency Medical and Evacuation Assistance which provides round-the-clock assistance for loss of travel documents and baggage, air tickets arrangements, emergency medical evacuation, referral services for interpreter/ translator, legal, embassy, hospital admission and other medical facilities etc. The 24-hour assistance hotline is (65) 6922 6009.
Credit Card Outstanding Balance
In the event of death due to bodily injury or sickness sustained whilst travelling out of Singapore, HL Assurance will pay up to the benefit limit any outstanding balance under your credit card(s) for purchases and services charged to such card(s) while outside Singapore during the period of insurance.
Rental Car Excess
HL Assurance shall pay up to the benefit limit for any car rental excess payable by you under the rental car agreement in respect of loss or damage to the rental car due to an accident or theft of the rental vehicle during the rental period.
Loss of Home Content due to burglary
HL Assurance shall pay up to the benefit limit for loss of or damage to home contents as a result of burglary involving the use of forcible, violent and visible means to enter into or exit from the home premises in Singapore and occurring whilst such premises are vacated during the period of insurance.
Golfing “Hole in One”
HL Assurance shall pay up to the benefit limit for bar expenses if an adult insured person achieves a "Hole in One" whilst playing golf on any recognised golf course outside Singapore and during the period of insurance

Exclusions

Medical Exclusions
Trip Inconvenience and Sports Exclusions
Pre-existing conditions (including mental and nervous or sleep disorders, any diagnosed psychological or psychiatric disorder, anxiety or depression)     Rafting, canoeing, bungee jumping, jet skiing, ski racing, backcountry skiing or off-piste skiing, ski jumping, hang gliding, parasailing, the use of bobsleigh or skeleton, hunting, potholing, mountaineering or rock climbing
Pregnancy, miscarriage, childbirth or abortion and their complications   Participation in sports activities to receive financial compensation
Travelling against Medical Practitioner’s advice    Items taken/ destroyed by customs or other officials
Elective treatment or surgery War, rebellion, revolution, insurrection, conspiracy, civil commotion, acts of terrorism
Dental care, other than that necessitated by accidental injuries to sound natural teeth

Breakage or damage to fragile articles

 


Types of Plans

HL Assurance offers three tier of plans - Basic, Enhanced, Superior, for both single trip plan and annual multi-trip plan.

These plans combine comprehensive coverage at reasonable pricing and provide coverage where it counts, such as for travel inconveniences like trip delays and lost luggage. If you plan to drive and rent a vehicle for a road trip, HL Assurance travel insurance plans offer car rental excess cover, capped at a maximum limit of $500 - $1,000 (depending on type of plan). It will also appeal to budget conscious travellers and individuals who already know the right travel insurance to buy for their trip. For travellers who prefer to pay cash, do take note that the limit for theft of personal money is capped at $250 - $500. For travellers planning adventurous activities for your trip, do take note of the imposed exclusions on this as well.

Plan Type
Cancellation
Medical Coverage (overseas)
Bags/Belongings
Travel Protect360 Basic
$5,000
$150,000 
$3,000
Travel Protect360 Enhanced
$7,000
$250,000  
 $5,000 
Travel Protect360 Superior $12,000 $500,000   $7,000

 

Travel Protect360 Basic

One of the more affordable travel insurance options available in Singapore for single trip plans. It stands out by focusing its coverage on trip and baggage delays: Trip and baggage delays are covered for $100 every 6 hours of delay and at a maximum limit of $1,000 each. Personal accident coverage is at $200,000.
 

Travel Protect360 Enhanced

The coverage and affordable pricing makes HL Assurance Enhanced a bargain buy for the budget conscious traveller with: Trip and baggage delays covered at $100 every 6 hours of delay with a maximum limit of $1,000 each. Personal accident coverage is at $250,000.

Travel Protect360 Superior

The relatively low pricing and decent coverage makes HL Assurance Superior an attractive bargain for travellers. Trip and baggage delays are covered for $100 every 6 hours of delay with a maximum limit of $1,000 each. Personal accident coverage is at $300,000.

Pros and Cons List

Pros
Cons
  • Unlimited emergency medical evacuation (across all Plans)
  • Unlimited repatriation of mortal remains (across all Plans)
  • Loss of home content due to burglary
  • Exclusions on a variety of adventurous activities
  • No benefit payable for preexisting conditions
  • No coverage for acts of terrorism

 


Pricing

We look at pricing comparisons across various plans (basic/ mid-tier/ top shelf) for both Single Trip and Annual Trip. 

Basic Plan

  Travel Protect360 Basic     Industry Average
1 week ASEAN $32 $26
1 week Asia $34 $32
1 week Worldwide $45 $46
Annual ASEAN NA $149
Annual Asia $231 $208
Annual Worldwide $301 $282

 

Mid-Tier Plan

  Travel Protect360 Enhanced Industry Average
1 week ASEAN $39 $33
1 week Asia $43 $41
1 week Worldwide $61 $59
Annual ASEAN NA $206
Annual Asia $243 $242
Annual Worldwide $316 $332

 

Top Shelf Plan

  Travel Protect360 Superior     Industry Average
1 week ASEAN $51 $47
1 week Asia $56 $58
1 week Worldwide $80 $80
Annual ASEAN NA $269
Annual Asia $291 $310
Annual Worldwide $378 $430

 


How to Claim

Submit claims through these HL Assurance channels: 

Online Claims: Click here to file a claim

Customer Service: +65 6702 0202

24-Hour Assistance Hotline: +65 6922 6009

Claims Email: claims@hlas.com.sg

Address: HL Assurance Pte. Ltd. 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057


Frequently Asked Questions (FAQs)

Is it compulsory to get travel insurance?

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Though most countries do not require travellers to purchase travel insurance, there are some countries that do. It's best to do your research before your trip.

Nevertheless, purchasing travel insurance is highly recommended as you'll get a peace of mind knowing that you're insured against any travel inconveniences that might affect your trip.

Whether your flight is delayed for many hours, your baggage gets stolen overseas, or you fall ill abroad, you'll be able to be financially compensated for with travel insurance.

Who is the best insurer to get travel insurance with?

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There's no one-size-fits-all travel insurance plan for everyone. Every individual has different needs and priorities when it comes to travel coverage. Some may prioritise personal accident cover, while someone may want higher coverage for travel delays. An elderly who has pre-existing conditions will also priortise a plan that covers for that.

Because of the different needs, you'll need to find a travel insurance plan that is best suited for you.

How to buy travel insurance in Singapore?

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You can easily apply for a travel insurance plan online on the insurer's website. Simply key in your personal particulars, when you'll be overseas, where you're going, choose the plan that you want and make payment.

You can also head to SingSaver's website to compare the coverage and costs of the insurers, and simply apply directly through our site.

What is usually covered by travel insurance?

expand_more

Travel insurance plans usually include basic coverage like overseas medical expenses, personal accidents, accidental death and total permanent disability, travel cancellations, flight delays, baggage loss and baggage delay.

However, each travel insurance plan is different and offers different claim limits, which also depends on the tier of plan you purchase.

Other coverages that some insurers offer also include sports and adventure cover, rental fee excess, pre-existing conditions, rainfall cover, bridal accessories and even loss of frequent flyer points.

How late can you buy travel insurance?

expand_more

There's no hard and fast rule for when is the latest you can buy your travel insurance, as you can literally purchase one right before you board the plan and still be covered.

However, the later you buy your travel insurance, the higher the chance of you not being able to claim for certain things like flight delay (if you buy your plan only before you board the plan), trip cancellation due to a family member or travel buddy falling critically ill, trip cancellation for any reason (offered by Singlife).

Can I claim for medical expenses in Singapore after returning from my trip?

expand_more

Not all insurers offer that, so it's best to check the insurer's product brochure or policy wording before you purchase one.

Some insurers do let you claim for any medical expenses after returning to Singapore, if you incur the expense within a stipulated time period after you're back.

Do I need COVID-19 coverage?

expand_more

Though COVID-19 isn't be affecting our lives much compared to how it used to, it is still recommended to get travel insurance that covers for COVID-19.

You'll have the peace of mind knowing that you are covered for any medical expenses due to COVID-19 when you're abroad, and you can also choose to shorten or postpone your trip if you or a travel buddy contracts COVID-19 right before your trip.

Can elderly above 70 years old and above purchase travel insurance?

expand_more

It depends on the insurer. Some insurers only offer coverage for adults below 70 years old, while others do for seniors 70 and above.

However, do take note that the medical expenses coverage for seniors in that age range tend to be much lower than adults below 70, as they have a higher chance of falling ill.


Looking for travel insurance deals?

 

We’ve got no lack of exclusive promotions to help you save even more!


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 are 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:

5 Best Ways To Shop for Travel Insurance

Will My Travel Insurance Cover COVID-19?

How Different Will Travel Be Post COVID-19?

What Does ‘Complimentary Travel Insurance’ by Credit Cards Cover And Is It Enough?

If I Get COVID-19, What Will I Need To Pay?

Singapore Budget 2023 Live Coverage: Key Highlights


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Use a personal loan to consolidate your outstanding debt at a lower interest rate!

 

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