HL Assurance Travel Insurance: What Are Its Strengths?

HL Assurance Travel Insurance: What Are Its Strengths?

HL Assurance offers a range of affordable travel insurance plans at each tier that balance cheap prices and travel inconvenience coverage.

Good for

  • People seeking higher coverage for trip & baggage delays and baggage loss per item than other cheapest plans
  • Travellers seeking VIP perks like lounge access, wifi discount and hole in one prize
  • Deal-hunter seeking cheap prices

Bad for

  • Travellers seeking high coverage to maximise peace of mind
  • Travellers seeking great value for your money

Editor's Rating

4.0/5.0

We like to describe HL Assurance's travel insurance plans as bringing utility at a great price, with a couple extra perks. While HL Assurance's Basic, Enhanced and Superior plans may not be the most glamorous, they will protect you where it counts, giving you good coverage for inconveniences like trip delays and lost luggage for near-unbeatable prices. To help you decide if HL Assurance has the right solution for your travel insurance needs, our team at ValueChampion has broken down each plan in detail in the following review.

Summary of HL Assurance Travel Insurance
Basic plan is one of the cheapest plans for global annual policies
Basic plan offers above average coverage for trip & baggage delays and baggage loss per item than other budget plans
Superior plan offers cheap prices for 2-week trips in ASEAN and Asia
Promotion: 10% Travel NCD + S$20 Agoda Voucher & S$10 Attractions discount for Single Plans; S$20/S$50 Agoda Voucher + S$10 Attraction Discount + up to 10% car rental discount for Annual Plans

Table of Contents

HL Assurance TravelProtect 360: What You Need to Know

HL Assurance offers a range of affordable travel insurance plans at each tier that balance cheap prices and travel inconvenience coverage. It comes in three options for single-trip and annual plans: Basic, Enhanced and Superior. You can purchase either a single trip or annual policy as an individual or as a family.

This graph compares the cost of the cheapest travel insurance plans in Singapore for 1 week trips to locations outside Asia. For an asean trip of 1 week, HL Assurance offers the second-cheapest price.

HL Assurance may appeal to those looking for policies that focus on trip inconvenience as it has above average trip cancellation and baggage loss or damage coverage. On the other hand, sports enthusiasts and adrenaline junkies should note that unlike many other travel insurance plans, HL Assurance does not cover any losses or damages incurred participating in a variety of adventurous activity, whether its parasailing or back-country skiing.

Notable Exclusions

HL Assurance has the standard exclusions including pre-existing conditions, war, travelling against the advise of your doctor or the government, pregnancy related expenses and a plethora of sports and adventurous activity including parasailing, mountaineering and bungee jumping. Below you'll find an abridged version of HL Assurance's exclusions, but you should always read the policy document carefully to know exactly what you won't be covered for.

Medical ExclusionsTrip Inconvenience Exclusions
Medical Expenses for pre-existing conditionsEngaging in sport for compensation
Pregnancy-related eventsItems taken by customs officials
Suicide and mental illnessBaggage sent separately or items left unattended
Cosmetic or elective surgery (unless necessitated by injury)Fragile articles, sports equipment
Travelling when you are medically unfitInability to travel due to business or contractual obligations
Metastatic or terminal illnessWar, riots, rebellions
Bungee jumping, skydiving, back-country skiing, marathons, mountaineering

HL Assurance Basic Plan

HL Assurance's Basic Plan, one of the more affordable travel insurance options available in Singapore for single-trip plans, stands out in two main ways. First, HL Assurance's Basic plan is one of the cheapest plans on the market regardless of trip duration or destination. Second, by focusing its coverage on the most likely causes of traveller's dismay, trip and baggage delays, HL Assurance's Basic Plan shows itself to be a utilitarian plan that may well save the day on your next family holiday. HL Assurance offers about three times as much coverage as Budget Direct Basic, Etiqa Basic and FWD Premium for flight and baggage delays (up to S$1,000 each) and offers about twice as much coverage for baggage loss per item (S$500) as the aforementioned insurers. Thus, if one of your main concerns when flying is baggage/trip delays and loss of baggage, HL Assurance is a high-value pick.

1-Week ASEANS$22.40S$35.00
1-Week GlobalS$32.40S$63.00
Annual ASEANS$178.00S$191.00
Annual GlobalS$223.00S$297.00
1-Week ASEAN Value Ratio0.870.74
1-Week Global Value Ratio1.000.70
Emergency EvacuationUnlimitedS$550,000
Overseas MedicalS$150,000S$206,563
Trip CancellationS$5,000S$5,816
Trip DelayS$1,000S$785
Baggage Loss/DamageS$3,000S$3,058
1-Week ASEANS$22.40S$35.00
1-Week GlobalS$32.40S$63.00
Annual ASEANS$178.00S$191.00
Annual GlobalS$223.00S$297.00
1-Week ASEAN Value Ratio0.870.74
1-Week Global Value Ratio1.000.70
Emergency EvacuationUnlimitedS$550,000
Overseas MedicalS$150,000S$206,563
Trip CancellationS$5,000S$5,816
Trip DelayS$1,000S$785
Baggage Loss/DamageS$3,000S$3,058

HL Assurance Enhanced Plan

Aside from its affordability, HL Assurance Enhanced is an affordable mid-tier travel insurance plan and can be a good option if you are looking for a bit more coverage than what is offered with basic travel insurance plans. Unlike the Basic plan, it stands out with its pricing but fails to impress with its coverage. Whereas the basic plan provided benefits that were above average for basic plans, the Enhanced plan provides below average coverage in all areas besides evacuation and baggage loss and damage. If you are looking for a plan with excellent medical coverage, then you can opt for the similarly priced DirectAsia plans. On the other hand, we recommend Allianz if you want a plan with high levels of cancellation, delay and baggage loss coverage.

Enhanced PlanMid-Tier Industry Average
1-Week ASEANS$28.40S$50.00
1-Week GlobalS$43.60S$85.00
Annual ASEANS$187.00S$245.00
Annual GlobalS$243.00S$356.00
1-Week ASEAN Value Ratio1.011.00
Emergency EvacuationUnlimitedS$1,000,000
Overseas MedicalS$250,000S$514,130
Trip CancellationS$7,000S$9,609
Trip DelayS$1,000S$1,039
Baggage Loss/DamageS$5,000S$4,913
Enhanced PlanMid-Tier Industry Average
1-Week ASEANS$28.40S$50.00
1-Week GlobalS$43.60S$85.00
Annual ASEANS$187.00S$245.00
Annual GlobalS$243.00S$356.00
1-Week ASEAN Value Ratio1.011.00
Emergency EvacuationUnlimitedS$1,000,000
Overseas MedicalS$250,000S$514,130
Trip CancellationS$7,000S$9,609
Trip DelayS$1,000S$1,039
Baggage Loss/DamageS$5,000S$4,913

HL Assurance Superior Plan

HL Assurance's Superior Plan offers below-average levels of coverage within the premium tier of travel insurance plans for relatively inexpensive prices. However, it tends to rank among the cheapest 3 plans among other top-tier plans for 2-week trips to ASEAN countries or other countries in Asia and ranks quite well as a mid-tier annual plan for trip inconvenience due to its above average coverage for trip cancellation and baggage loss. As HL Assurance's top-tier single trip option, we think you'll be better served by a different plan as it offers below average medical and trip inconvenience coverage. This is especially true if you are looking for a top-tier plan with the hopes of getting hard to find benefits and perks, as HL Assurance doesn't offer sports or adventure coverage, has paltry golf benefits and no terrorism coverage.

Premiums & CoverageSuperior PlanTop-Tier Industry Average
1-Week ASEANS$36.40S$62.00
1-Week GlobalS$56.80S$101.00
Annual ASEANS$223.50S$294.00
Annual GlobalS$291.00S$418.00
1-Week ASEAN Value Ratio1.221.29
Emergency EvacuationUnlimitedUnlimited
Overseas MedicalS$500,000S$1,064,677
Trip CancellationS$12,000S$15,087
Trip DelayS$1,000S$1,426
Baggage Loss/DamageS$7,000S$7,232
Premiums & CoverageSuperior PlanTop-Tier Industry Average
1-Week ASEANS$36.40S$62.00
1-Week GlobalS$56.80S$101.00
Annual ASEANS$223.50S$294.00
Annual GlobalS$291.00S$418.00
1-Week ASEAN Value Ratio1.221.29
Emergency EvacuationUnlimitedUnlimited
Overseas MedicalS$500,000S$1,064,677
Trip CancellationS$12,000S$15,087
Trip DelayS$1,000S$1,426
Baggage Loss/DamageS$7,000S$7,232

Sports Coverage

HL Assurance doesn't have the most comprehensive sports coverage. It only has a hole-in-one benefit for golfers and no coverage for your sports equipment. You are also not covered for rafting, canoeing, bungee jumping, jet skiing, ski racing, back-country/off-piste skiing, hang gliding, parasailing, bobsleighing, mountaineering or rock climbing. You are covered for scuba diving as long as you are either qualified or are scuba diving with an instructor.

Golf CoverBasicEnhancedSuperior
Hole-in-OneS$150S$250S$350

Claims Information

You can submit claims with HL Assurance online or download and mail their pdf form within 30 days upon returning from your trip. You have to submit your original, signed claim form, copy of flight/itinerary, and copy of boarding pass/air tickets/passport. For claim-specific documents, HL Assurance's claims page has a breakdown of every document accepted depending on event.

Contact Information
Customer Service(65) 6702 0202
24-Hour Emergency Assistance(65) 6922 6009
AddressHL Assurance Pte. Ltd. 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057
ClaimsOnline

Summary of Coverage

Even though travel insurance is an optional purchase, it can be a lifesaver in the event of an accident. That's why it's important that you choose a plan that will give you good coverage for the best possible price. Below, you will see a summary of how HL Assurance compares in price and coverage to the industry's overall averages. If you would like to see how HL Assurance compares to other plans on the market, you can read our guide to some of the best travel insurance policies in Singapore.

Premiums & ValueBasicEnhancedSuperiorIndustry Average
1-Week ASEANS$22.40S$28.40S$36.40S$48.00
Annual ASEANS$178.00S$187.00S$223.50S$248.00
1-Week AsiaS$24.80S$31.20S$40.40S$59.00
Annual AsiaS$178.00S$187.00S$223.50S$264.00
1-Week GlobalS$32.40S$43.60S$56.80S$83.00
Annual GlobalS$223.00S$243.00S$291.00S$362.00
1 Week ASEAN Value Ratio0.871.011.221.01
Annual Global Ratio0.630.841.091.00
Personal Accident & DeathS$200,000S$250,000S$300,000S$261,588
MedicalS$150,000S$250,000S$500,000S$598,140
Emergency Medical & RepatriationUnlmtdUnlmtdUnlmtdS$772,727
Trip CancellationS$5,000S$7,000S$12,000S$10,224
Trip DelaysS$1,000S$1,000S$1,000S$1,087
Baggage Loss DamageS$3,000S$5,000S$7,000S$5,082
Baggage DelayS$1,000S$1,000S$1,000S$998
Anastassia Evlanova

Anastassia is a Senior Research Analyst at ValueChampion Singapore, focusing on insurance. She holds an International Business Management diploma and a B.A. in Economics from New York University. Her prior working experience includes work in the capital markets sector.

Comments and Questions

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