• HL Assurance Travel Protect360 Review: Choose From 3 Different Plans

    HL Assurance, a member of Hong Leong Group, offers Travel Protect360, which guarantees coverage against any unexpected incidents. This round-the-clock insurance provides 3 different plans with different kinds of coverage.

    With this comprehensive insurance package, you will get coverage for travel delays of up to S$1,000, personal accident of up to S$300,000, and unlimited emergency medical evacuation. You do not have to worry about flight or hotel cancellations, loss of baggage, or medical treatments when you are traveling.

    HL Assurance Travel Protect360: Basic Plan Key Highlights

    • Receive a coverage of up to S$500,000 for personal liability.
    • Get a payout of up to S$5,000 if your trip gets cancelled.
    • Receive a lump sum coverage of up to S$50,000 in case of accidental death of your child.

    As the name suggests, the Basic plan offers basic coverage for all benefits. If you are aged above 70 years, you will get a maximum coverage of S$50,000 for overseas medical expenses. In case you have a funeral overseas, you will get a coverage of up to S$1,000 for the expenses. In terms of compassionate visit, get up to S$3,000 if your relative or family member wants to visit you at the hospital overseas. While travelling, if you lose your money, you will get a cash benefit of up to S$250. Also, get up to S$100 to make emergency phone calls.

    Personal accident Overseas medical expenses Travel delay Delayed baggage Loss of baggage and personal items
    S$200,000 Up to S$150,000 Up to S$1,000 Up to S$1,000 Up to S$3,000

    HL Assurance Travel Protect360: Enhanced Plan Key Highlights

    • Get a coverage of up to S$100,000 if your child gets admitted overseas.
    • Receive unlimited coverage for bringing your mortal remains to Singapore.
    • Get a payout of up to S$4,000 as cash relief for death as a result of an accident.

    The Enhanced plan is HL Assurance’s most popular plan as it gives comprehensive coverage for benefits like personal accident, travel delay, delayed baggage, and loss/damage of baggage. You will also get a hospital cash allowance of up to S$15,000 if you are admitted overseas. Also, if you lose your personal documents, you will get a payout of up to S$3,000. In case of flight overbooking, you will get S$100 for every 6 hours delay, up to S$1,000. Furthermore, if you damage a property belonging to a third party whilst overseas, this plan will take care of the costs you will incur up to S$500,000.

    Personal accident Overseas medical expenses Travel delay Delayed baggage Loss of baggage and personal items
    S$250,000 Up to S$250,000 Up to S$1,000 Up to S$1,000 Up to S$5,000

    HL Assurance Travel Protect360: Superior Plan Key Highlights

    • Get a cash benefit of up to S$20,000 for medical expenses in Singapore.
    • Receive unlimited coverage for immediate medical evacuation.
    • Enjoy a payout of up to S$1,600 as hospital allowance in Singapore.

    The Superior plan is the most enhanced plan under the Travel Protect360 policy offering the highest coverage. If you get hospitalised overseas and your minor child needs to return to Singapore with an accompanying adult, this plan will pay for the travel expenses up to S$8,000. As for trip curtailment, you will get up to S$8,000 if you need to return home immediately for various reasons like serious illnesses, accidents, riots, strikes, and natural disasters. Also, if your house gets burgled while you’re travelling, you will get a cash benefit of up to S$2,000. You will also get up to S$1,000 for car rental excess.

    Personal accident Overseas medical expenses Travel delay Delayed baggage Loss of baggage and personal items
    S$300,000 Up to S$500,000 Up to S$1,000 Up to S$1,000 Up to S$7,000

    What Cover Are You Looking From HL Assurance Travel Protect360

    Plan/Coverage Basic Plan Enhanced Plan Superior Plan
    Type of trip covered Single/Annual Unlimited Single/Annual Unlimited Single/Annual Unlimited
    Medical expense in Singapore Up to S$10,000 Up to S$15,000 Up to S$20,000
    Emergency medical evacuation Unlimited Unlimited Unlimited
    Travel inconvenience* Up to S$5,000 Up to S$7,000 Up to S$12,000
    Personal liability Up to S$500,000 Up to S$500,000 Up to S$1 million
    Pre-existing medical cover Not available Not available Not available
    Pregnancy cover Not available Not available Not available
    Additional Cover
    Burglary at home Up to S$1,000 Up to S$1,500 Up to S$2,000
    Rental car excess Up to S$500 Up to S$750 Up to S$1,000
    Golfing ‘Hole in One’ Up to S$150 Up to S$250 Up to S$350

    *Travel inconvenience covers trip cancellation, trip postponement, travel delay, travel diversion, travel misconnection, travel curtailment, trip interruption, baggage delay, loss/damage to baggage, and loss of travel documents.

    What is Not Covered: General Exclusions

    Like any other travel insurance policies, HL Assurance Travel Protect360 also has some exclusions that are not covered. Below is the list of those exclusions:

    • Pregnancy-related sickness.
    • Pre-existing medical conditions.
    • AIDS or HIV.
    • Cosmetic or plastic surgery.
    • Cost of hearing or visual aids and prosthetic devices.
    • Elective treatment or aromatherapy provided by health spa.
    • Evacuation expenses incurred due to another party.
    • Persons under the age of 18.
    • Perishable items like food articles, consumables, and fruits.
    • Loss or damage due to your negligence.
    • Failure to check-in on time.
    • If the rented car is not from a licensed dealer.
    • Any act of terrorism.

    Things to Consider Before Getting Travel Protect360

    • Make use of the current offer, where you will get up to 60% discount on premiums along with S$10 attractions discount vouchers from Klook when you buy a single trip or an annual unlimited trip. This offer is valid till 30 September 2018.
    • The plans do not offer coverage for sports. They have a ‘hole in one’ benefit for golfers, but no coverage for sports equipment.
    • Benefits like loss of home contents, golfing ‘hole in one’, and rental car excess are additional covers and not optional. So, even if you don’t need them, you will still have to pay for them as part of the plan.
    • The coverage amount for medical expenses and accidental death are much lower for people who are 70 years of age and above.
    • Each trip under a single trip plan should not exceed 182 days, whereas each trip under the annual unlimited trips plan should not exceed 90 days.

    Here’s How You Can Buy the Travel Insurance Policy Offered by HL Assurance

    • Go to the webpage and get a quote for your trip. Then, choose a plan, fill up your personal details, make the payment, and click on ‘Submit’.
    • You can even call on the customer care hotline number to know about the policy.

    How to File a Travel Insurance Claim

    Online Travel Insurance Claim

    • Visit the Travel Protect360 webpage and click on ‘Claims’.
    • Fill up the relevant details.
    • Attach all the necessary documents.
    • Read the declaration and click on ‘Submit’.

    Offline Travel Insurance Claim

    • Go to the travel insurance webpage and click on ‘Claims’.
    • Download the PDF form, fill up the details, and attach the necessary documents.
    • Send them to HL Assurance via post or submit the claim application in person.

    Documents Required

    Mandatory Documents

    • Flight tickets or boarding pass.
    • Copy of passport
    • Flight itinerary.

    Medical, Personal Accident, and Dental Expenses

    • Medical certificate and report.
    • Original medical receipts and bills.
    • Death certificate, coroner’s findings, autopsy report for death claims (if applicable).
    • Proof of relationship between the claimant and the deceased for death claims.
    • Police or motor accident report (if applicable).

    Loss/Damage of Personal Items and Baggage

    • Baggage damage/loss report or property irregularity report from the airline/carrier.
    • Baggage tag issued by the airline/carrier while checking in.
    • A confirmation letter from the airline/carrier.
    • Images of damaged products.
    • Original bills of lost/lost items.

    Loss of Documents and Money

    • A copy of the police complaint filed at the place of loss within 24 hours.
    • Receipts for re-issue of Visa/passport.
    • Hotel/transportation bills incurred for replacement of documents.

    Delay of Baggage

    • A letter from the airlines/carrier stating the cause and duration of delay.
    • Baggage delay report.
    • Baggage tags issued by the airline or carrier.
    • Acknowledgement receipt for the delayed baggage.

    Trip Cancellation/Curtailment

    • A medical report or death certificate, whichever is applicable.
    • Proof of relationship between the claimant and the deceased.
    • A letter or medical certificate from a doctor confirming the necessity to cancel or curtail the trip.
    • Tour booking receipt/invoice.
    • A letter from the travel agent/airlines stating the amount of refund.
    • Bills/receipts for costs incurred in purchasing or changing air tickets.

    Trip Delay/Misconnection, Overbooked Flight, or Flight Diversion

    • A letter from the airline/carrier stating the duration and cause of delay, trip misconnection, overbooked flight, and diversion.
    • Boarding pass/air tickets.

    Loss of Home Contents Due to Theft

    • A copy of the police report lodged within 24 hours.
    • Bills/invoice of damaged products.
    • Photographs of the damaged items.

    Personal Liability*

    • If applicable, a copy of the police report.
    • Send all the documents/correspondence from the third party regarding the accident to HL Assurance.

    *Avoid admitting any liability or offer without the prior consent of HL Assurance.

    HL Assurance Travel Insurance Hotline

    Phone number 6922 6009 (24-Hour Emergency Travel Assistance) 6702 0202 (Helpline)
    Fax +65 6327 8488
    Email info@fidrec.com.sg

    Frequently Asked Questions

    Q. What is the time frame for claiming once I return to Singapore?

    A. Once you return, you need to submit your claims within 30 days.

    Q. Am I covered for dental treatment?

    A. Yes, this policy covers dental treatment and care due to bodily injury.

    Q. Will I get a refund if I cancel the single trip plan?

    A. No, you will not get a refund if you cancel your single trip plan. However, if you cancel an annual trip plan, you will get the refund on pro-rata basis.

    Q. What is the age limit for the policy holder?

    A. The policy holder must be at least 18 years of age or above to buy the policy.

    Q. What is the eligibility criteria for a child?

    A. The insured child must be unmarried and dependant on the parents. The age limit for a child is between 3 months and 18 years. If the child is below 25 years old, then he/she must be a full-time student studying in a recognised institution.

    Q. How can I pay the premiums?

    A. The premiums can be paid through cash/cheque, credit/debit card, or an electronic medium approved by HL Assurance.

    Q. How can I renew my policy?

    A. Your annual unlimited trip plan will get renewed automatically once you pay the premium on/before the renewal date. The insurer will not send you any written notice about the renewal date if you pay before the policy expires.

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