HL Assurance Travel Insurance in Singapore Review (2020)
HL Assurance Travel Insurance - Best for high seasonal discounts. HL Assurance travel insurance plans strike a good balance between affordability and value proposition. Current pricing for a short getaway starts from $15. Besides offering high discounts, HL Assurance also offers perks such as hotel booking vouchers and car rental discount with a travel insurance purchase.
HL Assurance Travel Insurance Promotion
Single Trip- Get 60% discount + Free $25 Agoda Voucher + Enjoy up to 10% Travel NCD + Free Vouchers!* Terms Apply. Promotion (Gifts from HLAS)
Annual Trip- Get 50% discount + Free $20/$50 Agoda Voucher + up to 10% Car Rental Discount + Enjoy up to 10% Travel NCD + Free Vouchers!* Terms Apply. Promotion (Gifts From HLAS).
HL Assurance Travel Insurance Promotion
Single Trip- Get 60% discount + Free $25 Agoda Voucher + Enjoy up to 10% Travel NCD + Free Vouchers!* Terms Apply. Promotion (Gifts from HLAS)
Annual Trip- Get 50% discount + Free $20/$50 Agoda Voucher + up to 10% Car Rental Discount + Enjoy up to 10% Travel NCD + Free Vouchers!* Terms Apply. Promotion (Gifts From HLAS).
Pros
- Unlimited emergency medical evacuation (across all Plans)
- Unlimited repatriation of mortal remains (across all Plans)
- Loss of home content due to burglary
Cons
- Exclusions on a variety of adventurous activities
- No benefit payable for preexisting conditions
- No coverage for acts of terrorism
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/ bring along cash, do take note that the limit for theft of personal money is capped at $250 - $500. For travellers planning adventurous activities during your trip, do take note of the imposed exclusions on this as well.
| HL Assurance Travel Insurance - Product Summary |
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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.
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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.
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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.
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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.
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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.
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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 recognized golf course
outside Singapore and during the period of insurance
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Table of Content
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 Plan
HL Assurance offers three tier of plans for both Single Trip and Annual Multi Trip Insurance - Basic, Enhanced, Superior. The Trip shall be a round Trip commencing from and returning to Singapore, each Trip not exceeding one hundred and eighty-two (182) consecutive days for Single Trip policy and not exceeding ninety (90) consecutive days for Annual Multi Trip policy. For more details, please read the full list of benefits and exclusions in the policy wording.
| 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.Pricing
We will look at pricing comparison across various plans for both Single Trip and Annual Trip. HL Assurance usually offers decent seasonal discount of as high as above 60%, and coupled with treats of hotel/ rental vehicle discount perks, that packs a juicy bargain. In terms of pricing, HL Assurance travel plans stand out for being price competitive across all tier of plans, for both single and annual plans.
Basic Plan
| Travel Protect360 Basic | Industry Basic Plan 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 Mid-tier Plan 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 Top Shelf Plan 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:Claims: Submit your claims
Email: claims@hlas.com.sg
Customer Service: +65 6702 0202
24-Hour Assistance Hotline: +65 6922 6009
Address: HL Assurance Pte. Ltd. 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057
Looking for other travel insurance plans? Check out the Best Travel Insurance in Singapore 2020 or use our travel insurance comparison tool.
