With our improved Travel Protect360, not only will you enjoy comprehensive coverage and travel vouchers, we are now rewarding you with No Claim Discount and Immediate Medical Claims. *
Travelling more than twice in a year? Get our annual multi-trip policy and additional travel perks at just $0.48 / day. This could be better value than buying single trip insurance for each holiday!
Enjoy worry-free holiday all year round.
With Travel Protect360, you can be ready for all your adventures and travel with peace of mind. Travel Protect360 provides the comprehensive coverage you may need for your holiday.
Travel Inconveniences such as Baggage Loss, Flight Delays, Hotel Accommodation or Flight Cancellations are covered for your holiday. Travel Protect360 also covers for unlimited Emergency Medical Evacuation in event of any unfortunate incidents.
Experience:
At HL Assurance, we aim to provide extraordinary customer service. Rest assured you will be able to enjoy hassle-free online enrolment for instant protection. Also, HL Assurance is fully committed to assist you in times of distress through prompt claims procedures.
Click here for Benefits and Coverage
Policy Owners’ Protection Scheme
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg).
| Coverage
( * represents the new and improved benefits ) |
Basic |
Enhanced
*Popular*
|
Superior
|
| Medical Expenses |
| Overseas Medical Expenses |
| Adult (age 70 years and below) | 150,000 | 250,000 | 500,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 100,000 |
| Child | 100,000 | 100,000 | 100,000 |
| Medical Expenses in Singapore |
| Adult (age 70 years and below) * | 10,000 | 15,000 | 20,000 |
| Adult (age above 70 years) | 1,000 | 1,500 | 2,500 |
| Child | 1,000 | 1,500 | 2,500 |
| Compassionate Visit | 3,000 | 5,000 | 10,000 |
| Repatriation of Mortal Remains | Unlimited | Unlimited | Unlimited |
| Overseas Funeral Expenses | 1,000 | 1,500 | 2,000 |
| Return of Minor Children | 3,000 | 5,000 | 8,000 |
| Emergency Medical Evacuation | Unlimited | Unlimited | Unlimited |
| Overseas Hospital Cash Benefit
(S$200 per 24 hours) | 10,000 | 15,000 | 20,000 |
| Hospital Cash Benefit in Singapore
(S$200 per 24 hours) | 600 | 1,000 | 1,600 |
| Personal Accident |
| Accidental Death & Permanent Disablement |
| Adult (age 70 years and below) * | 200,000 | 250,000 | 300,000 |
| Adult (age above 70 years) | 50,000 | 50,000 | 50,000 |
| Child | 50,000 | 50,000 | 50,000 |
| Credit Card Outstanding Balance | 1,000 | 1,500 | 2,000 |
| Cash Relief for Death due to Accident | 3,000 | 4,000 | 5,000 |
| Travel Inconvenience |
| Loss of Baggage and Personal Effects
(S$500 for each article or pair or set of article) | 3,000 | 5,000 | 7,000 |
| Personal Money | 250 | 250 | 500 |
| Personal Documents | 2,000 | 3,000 | 4,000 |
| Emergency Phone Charges | 100 | 100 | 100 |
| Delayed Baggage *
(S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 |
| Loss of Deposit or Cancellation of Trip * | 5,000 | 7,000 | 12,000 |
| Trip Curtailment | 3,000 | 5,000 | 8,000 |
| Travel Delay *
(S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 |
| Travel Postponement | 500 | 1,000 | 1,500 |
| Travel Misconnections
(S$100 for every 6 hours) | 200 | 200 | 200 |
| Flight Overbooked
(S$100 for every 6 hours) | 100 | 100 | 100 |
| Flight Diversion *
(S$100 for every 6 hours) | 1,000 | 1,000 | 1,000 |
| Insolvency of Travel Agency * | 2,000 | 3,000 | 4,000 |
| Liability |
| Personal Liability | 500,000 | 500,000 | 1,000,000 |
| Lifestyle |
| Loss of Home Contents due to Burglary | 1,000 | 1,500 | 2,000 |
| Golfing "Hole in One" | 150 | 250 | 350 |
| Rental Car Excess * | 500 | 750 | 1,000 |
Click here for Single and Annual Trip Promotion Terms and Conditions
Travel Protect360 Promotion Terms And Conditions
No Claim Discount Programme Terms and Conditions
- Between the dates 01 August 2020, 1200 and 31 August 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip or Travel Protect360 Annual Trip) via DUO WEBSITE ONLY will be automatically be enrolled into Travel Protect360 No Claim Discount programme.
- For Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
- For subsequent travel purchase with the utilizing the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
- Thereafter for subsequent travel purchase utilizing the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
- For Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of 1 year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
- Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
- The promotional codes are not transferable.
- Should there be any claims incurred, the No-claims discount promotion code will be no longer be applicable.
- Each policy is only eligible to one promotion code.
- All discount promotion codes will be sent via email provided by the policyholder.
Note: Swipe left or right to view the full table on your mobile screen.
| | Travel Protect360 Single Trip | Travel Protect360 Annual Plan |
| Qualifying Plan Types | Basic / Enhanced / Superior | Basic / Enhanced / Superior |
| No Claim Discount | 1st purchase with no claims 30 days after policy end date | Additional 5% for next Travel Protect360 Single Trip purchase. | Additional 10% for next Travel Protect360 Annual Plan renewal |
| Subsequent purchase with no claims 30 days after policy end date. | Additional 10% for next Travel Protect360 Single Trip purchase. |
- HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
- In the event of any dispute, HL Assurance management’s decision is final.
- HL Assurance full disclaimers, terms and conditions apply to individual products. © 2019 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
- "HL Assurance" means HL Assurance Private Limited.
- HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
Immediate Medical Claims Terms and Conditions (only applicable to Single Trip plans)
- Between the dates 01 August 2020, 1200 and 31 August 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip) will be entitled to cashless facility to be applied to Post Journey Medical Outpatient claim at HLAS’s partner - Integrated Health Plans Pte Ltd (“IHP”)
- Policyholder(s) will need to download “IHP App” from Play Store (for Android) or App Store (for IOS) and input the details provided in the email sent to the policyholder.
- Cashless facility will only be available to policyholder(s) who seek their 1st medical treatment from any of the IHP’s Singapore panel clinics within three (3) days after return from the Trip, up to S$100 per visit.
- Cashless facility is extended by 30 days from the date of 1st visit at any of the IHP’s Singapore panel clinics.
- Cashless facility will not be applicable should policyholder(s) had an initial medical treatment overseas, and
- Did not seek medical treatment within three (3) days after return from the Trip; AND/OR
- Cost of follow-up medical treatment exceed S$100
- Where Cashless facility is not applicable, policyholder(s) will then need to make payment upfront to the clinics and seek post journey medical claims on a reimbursement basis. A claim form and medical receipt(s) will need to be provided during submission of claims. Claims payout will be subject to HLAS’s approval
- HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
- In the event of any dispute, HL Assurance management’s decision is final.
- HL Assurance full disclaimers, terms and conditions apply to individual products. © 2019 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
- "HL Assurance" means HL Assurance Private Limited.
- HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
Travel Vouchers Terms and Conditions
No Claim Discount Programme Terms and Conditions
- Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip or Travel Protect360 Annual Trip) via DUO WEBSITE ONLY will be automatically be enrolled into Travel Protect360 No Claim Discount programme.
- For Travel Protect360 Single Trip Policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for a 5% discount promotion code.
- For subsequent travel purchase with the utilizing the 5% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be eligible for an additional 10% discount promotion code.
- Thereafter for subsequent travel purchase utilizing the 10% discount promotion code, where the policyholder(s) who return from Trip and has no claims within stipulated timeframe of 30 days from the policy end date, will be capped at 10% discount promotion code.
- For Travel Protect360 Annual Plan Policyholder(s) who has completed the policy period of 1 year and has no claims during the policy period and within stipulated timeframe of 30 days from the policy end date, will be eligible for a 10% discount promotion code refund upon the next Travel Protect360 Annual Plan renewal.
- Promotional codes provided for the Single Trip can only be utilised for the next Single Trip purchase and can only be used once.
- The promotional codes are not transferable.
- Should there be any claims incurred, the No-claims discount promotion code will be no longer be applicable.
- Each policy is only eligible to one promotion code.
- All discount promotion codes will be sent via email provided by the policyholder.
Note: Swipe left or right to view the full table on your mobile screen.
| | Travel Protect360 Single Trip | Travel Protect360 Annual Plan |
| Qualifying Plan Types | Basic / Enhanced / Superior | Basic / Enhanced / Superior |
| No Claim Discount | 1st purchase with no claims 30 days after policy end date | Additional 5% for next Travel Protect360 Single Trip purchase. | Additional 10% for next Travel Protect360 Annual Plan renewal |
| Subsequent purchase with no claims 30 days after policy end date. | Additional 10% for next Travel Protect360 Single Trip purchase. |
- HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
- In the event of any dispute, HL Assurance management’s decision is final.
- HL Assurance full disclaimers, terms and conditions apply to individual products. © 2019 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
- "HL Assurance" means HL Assurance Private Limited.
- HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
Immediate Medical Claims Terms and Conditions (only applicable to Single Trip plans)
- Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), customers who purchase any Travel Insurance policy (Travel Protect360 Single Trip) will be entitled to cashless facility to be applied to Post Journey Medical Outpatient claim at HLAS’s partner - Integrated Health Plans Pte Ltd (“IHP”)
- Policyholder(s) will need to download “IHP App” from Play Store (for Android) or App Store (for IOS) and input the details provided in the email sent to the policyholder.
- Cashless facility will only be available to policyholder(s) who seek their 1st medical treatment from any of the IHP’s Singapore panel clinics within three (3) days after return from the Trip, up to S$100 per visit.
- Cashless facility is extended by 30 days from the date of 1st visit at any of the IHP’s Singapore panel clinics.
- Cashless facility will not be applicable should policyholder(s) had an initial medical treatment overseas, and
- Did not seek medical treatment within three (3) days after return from the Trip; AND/OR
- Cost of follow-up medical treatment exceed S$100
- Where Cashless facility is not applicable, policyholder(s) will then need to make payment upfront to the clinics and seek post journey medical claims on a reimbursement basis. A claim form and medical receipt(s) will need to be provided during submission of claims. Claims payout will be subject to HLAS’s approval
- HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
- In the event of any dispute, HL Assurance management’s decision is final.
- HL Assurance full disclaimers, terms and conditions apply to individual products. © 2019 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
- "HL Assurance" means HL Assurance Private Limited.
- HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
Travel Vouchers Terms and Conditions
- Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), enjoy 60% discount when you buy any new Single Trip plans.
- Between the dates 01 November 2020, 1200 and 30 November 2020, 1200 (both dates inclusive), enjoy 50% discount when you buy any new Annual Trip plans.
- This promotion is not valid with any on-going travel discounts, schemes or privileges.
- These promo codes are applicable for online purchase only via HL Assurance website at https://www.hlas.com.sg, and exclusively to participating partners.
- In addition, qualifying plan types are entitled to Free Gift during the promotion period.
- “Free Gift” are in the form of electronic voucher, promotion and/or discount codes provided by our Merchant(s) and will be emailed to the policyholder.
- Please note that each policy is only eligible for one (1) Free Gift and the Free Gift is while stocks last.
- The Free Gift are denominated in Singapore dollars and is not exchangeable for cash, other items or vouchers of other denominations.
- In the event where Policyholder has cancelled the policy after redeeming for the Free Gift, HL Assurance reserves the rights to request Policyholder to refund the Free Gift.
- HL Assurance is not the supplier and will not be liable for the goods and services provided by the Merchant(s) of the Free Gift.
- In case of any dispute, the decision of HL Assurance and the Merchant(s) shall be final.
Note: Swipe left or right to view the full table on your mobile screen.
| Travel Protect360 Single Trip |
| Qualifying Plan Types | Basic / Enhanced / Superior |
| Free Gift(s) | 1 | $20 Off Hotel Booking Voucher + 1,500 DUO points |
| Travel Protect360 Annual Trip |
| Qualifying Plan Types | Basic / Enhanced / Superior |
| Free Gift(s) | 1 | $20 & $50 Off Hotel Booking Voucher +3,500 DUO points |
| 2 | 10% Car Rental Discount |
- You will receive one Hotel Booking Promo Code (“HBPC”) for redemption at Agoda website (https://www.agoda.com/hlas).
- By utilising the HBPC at https://www.agoda.com/hlas thereof, you agree to be bound by Booking Holdings Inc terms and conditions.
- For qualifying Single Trip plan types, HBPC voucher has a value of $20 with a minimum spend of $250.
- For qualifying Annual Trip plan types, HBPC voucher has a value of $20 with a minimum spend of $250, and a value of $50 with a minimum spend of $500.
- HBPC is valid for booking by 31 December 2020 and check in by 30 June 2021.
- Free Gift 2
- You will receive one Car Rental Promo Code (“CRPC”) for redemption at The Hertz Corporation website (https://www.hertz.com).
- By utilising the CRPC at https://www.hertz.com thereof, you agree to be bound by The Hertz Corporation terms and conditions.
- CRPC provides up to 10% discount off rentals worldwide or as determined by The Hertz Corporation.
· DUO Points
· To enjoy the benefit of earning DUO Rewards points, DUO members must make purchase via the dedicated landing page from the DUO Rewards website. DUO members must enter their NRIC/FIN on the purchase form in order to enjoy DUO Rewards points.
· DUO Rewards points will be credited to the DUO member account in the following month upon policy effective date.
· DUO Rewards points can only be earned by one DUO member per purchase and cannot be split between two or more DUO members.
· DUO Rewards points earned are non-transferable and cannot be exchanged for cash or other products.
- HL Assurance at any time, at its sole discretion and without prior notice; can vary, modify, delete or add to these terms and conditions. Please refer to the policy wording for full details.
- In the event of any dispute, HL Assurance management’s decision is final.
- HL Assurance full disclaimers, terms and conditions apply to individual products. © 2020 HL Assurance is registered service mark of Hong Leong Group. HL Assurance Private Limited Co. Reg. No. 201229558W.
- "HL Assurance" means HL Assurance Private Limited.
- HL Assurance’s Travel Insurance is underwritten by HL Assurance Pte. Ltd. Co. Reg. No. 201229558W. This policy is protected under the Policy Owner's Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact HL Assurance Pte. Ltd. or visit the GIA or SDIC websites (www.gia.org.sg or www.sdic.org.sg). This is not a contract of insurance. Accordingly, the information should be read and construed in the light of, and subject to, all terms and conditions contained in the Policy. Full details are stated in the Policy.
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Download Voucher
Please log in to your DUO account, on the top right hand corner, in order to download the voucher for printing or to view the online promo code.