Insurance Plans Available in HL Assurance Singapore

HL Assurance Singapore – My Full Guide to Their Personal & Lifestyle Insurance Plans

If you’re looking for practical, affordable, and efficient insurance solutions in Singapore, one provider that should be on your radar is HL Assurance Singapore. A member of the Hong Leong Group, HL Assurance has grown quickly in the local market with a focus on digital convenience, fast claims, and plans that match real-life needs—whether it’s protecting your car, travel, home, or health.

What I appreciate about HL Assurance is their straightforward, value-for-money offerings that are ideal for individuals and families who don’t want to overpay or overcomplicate insurance.

Below is my detailed breakdown of the current insurance plans offered by HL Assurance Singapore, explained in simple terms that are easy to compare and understand.

✈️ 1. Travel Insurance – Travel Protect360

✅ Travel Protect360 (Single Trip & Annual)

• Covers:

  • Overseas medical expenses

  • Travel delays, trip cancellation or curtailment

  • Loss/damage to baggage and personal items

  • Emergency evacuation

  • COVID-19 protection (including trip cancellation & medical coverage)

• Up to $1,000,000 in medical coverage

• Child and family plans available

Why I recommend it: One of the best-value travel insurance plans for both frequent flyers and occasional travellers. Claims are smooth and mostly digital.

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🚗 2. Car Insurance – Motor Protect360

✅ Motor Protect360

• Comprehensive motor insurance that includes:

  • Accident repairs

  • Theft and fire

  • Third-party liability

  • Personal accident cover

  • 24/7 roadside assistance

• Optional add-ons:

  • Loss of use benefit (car rental)

  • NCD Protector

  • Windscreen coverage

Best for: Drivers looking for affordable premiums, quick repairs, and a responsive claims experience.

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🏠 3. Home Insurance – Home Protect360

✅ Home Protect360

• Covers:

  • Household contents and renovations

  • Fire, theft, flood, and water damage

  • Loss of rental income (for landlords)

  • Personal liability

  • Emergency home assistance services

• Suitable for HDB, condo, or landed homeowners and tenants

Why I like it: Strong value for those who want to protect both belongings and renovation investment in their home.

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🧑‍⚕️ 4. Personal Accident Insurance – PA Protect360

✅ PA Protect360

• 24/7 coverage worldwide

• Lump-sum payout for:

  • Accidental death

  • Permanent disability

  • Medical reimbursement for injuries

  • Daily hospital cash benefit

• Optional add-ons for:

  • Child protection

  • Infectious disease cover

Who it’s for: Individuals, freelancers, or active people who want affordable protection against unexpected mishaps.

🧳 5. Maid Insurance – Maid Protect360

✅ Maid Protect360

• MOM-compliant coverage for domestic helpers

• Covers:

  • Personal accident and hospitalisation

  • Repatriation costs

  • Wage compensation

  • Guarantee bond to MOM

• Add-ons:

  • Waiver of indemnity

  • Replacement maid cost cover

Ideal for: Employers looking for affordable, full-compliance maid insurance with helpful extras.

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💼 6. Commercial Insurance – SME Business Plans

HL Assurance also offers customised insurance plans for small and medium-sized businesses:

• Property damage

• Burglary and fire cover

• Public liability

• Business interruption

• Work Injury Compensation (WICA)

• Employer liability

Why it’s useful: Their business insurance products are simplified, priced fairly, and backed by local customer service.

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📱 Key Highlights of HL Assurance

• Fast e-claims for travel, personal accident, and car

• 24/7 helpline for emergency support

• Transparent pricing with no hidden fees

• Good user experience on mobile and desktop

My Experience: Their digital-first approach makes them especially convenient for young professionals and digital-savvy families.

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✨ Final Thoughts – Why HL Assurance Singapore is Worth Considering

For me, HL Assurance Singapore is a strong choice for people who want straightforward insurance without long waits or high premiums. Their products may not be overloaded with bells and whistles—but they’re well-designed, reliable, and very easy to claim from, which is what truly matters when something goes wrong.

Whether you’re protecting your next trip, your car, your home, or your helper, HL Assurance gives you peace of mind at a smart, sustainable cost.

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🔗 Official Website: https://www.hlas.com.sg