HL Assurance - COVIDSafe Travel Protect360 - Terms & Conditions

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Learn more about the COVIDSafe Travel Protect360 insurance policy here.

COVIDSafe Travel Protect360 Insurance Promotion Terms and Conditions

No Claim Travel Insurance Discount Programme Terms and Conditions

Promotion Terms and Conditions
  • Between the dates 1 March 2022 and 31 March 2023 (both dates inclusive), customers who purchase any Travel Insurance policy (COVIDSafe Travel Protect360 Single Trip or Travel Protect360 Annual Trip) will be automatically be enrolled into COVIDSafe Travel Protect360 No Claim Discount programme.
  • For COVIDSafe 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 COVIDSafe 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.

  • 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. © 2021 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.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Single Trip)

  • The promotion is held from 1 March 2022 and 31 March 2023 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Single Trip policies during the Promotion Period will be entitled to a 40% discount.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
  • New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • This promotion is not valid with any on-going travel discounts, schemes or privileges.
  • 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. © 2021 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.

Terms and Conditions for COVIDSafe Travel Protect360 Insurance Promotion (Annual Trip)

  • The promotion is held from 1 March 2022 and 31 March 2023 (both dates inclusive).
  • Eligible customers who successfully purchase any COVIDSafe Travel Protect360 Annual Trip policies during the Promotion Period will be entitled to a 50% discount, provided that the policy is not subsequently cancelled.
  • This promotion is only applicable for new purchases made via HL Assurance website at www.hlas.com.sg/personalinsurance/travelinsurance.
  • New purchases refer to purchases via HL Assurance website (as per stated above), and is not applicable to any purchase from HL Assurance’s agency partner.
  • This promotion is not valid with any on-going travel discounts, schemes or privileges.
  • 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. © 2021 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.

COVIDSafe Travel Protect360 Insurance Promotion Terms and Conditions

What our Travel Insurance in Singapore Covers

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).

FAQS

Frequently Asked Questions for COVIDSafe Travel Protect360 Insurance

Q: Can I continue my medical treatment for Injury or sickness sustained overseas, when I return to Singapore?
A: Yes. We pay for the medical expenses, up to the Sub-limit, reasonably incurred by you in Singapore within 30 days after your return from the trip.

Q: I am currently under medication for some medical conditions. Can I claim for medical expenses related to these medical conditions during the trip?
A: No. Our Travel Insurance Policy excludes all pre-existing medical conditions prior to the trip.

Q: If I am pregnant, am I covered for any medical treatment incurred overseas?
A: No. Our policy does not cover any pregnancy-related issues.

Q: If I was injured or sick overseas but did not seek medical treatment, can I do so upon my return to Singapore?
A: Yes. The Company will indemnify you up to the Benefits Payable under the Policy for the treatment seek within three (3) days after your return from the Journey where initial treatment for Bodily Injury or Sickness was not sought overseas, up to a maximum of thirty (30) days from the date of first treatment in Singapore.

Q: Is dental treatment covered while I am overseas?
A: Yes, dental treatment is covered (as a result of Bodily Injury only).

Q: What is the time frame for submitting a travel claim when I reutn to Singapore?
A: You will need to submit a claim within thirty (30) days upon returning to Singapore.

Q: What should I do if I lose my money or travel documents during my trip?
A: If your loss arises out of robbery, burglary or theft, you should report the loss to the local police within 24 hours after the loss / incident and obtain a written statement from the police to substantiate your claim.

Q: What should I do if I need assistance while overseas?
A: One of the benefits of our travel insurance is the 24 hours Travel, Emergency Medical and Evacuation Assistance which provides for loss of travel documents and baggages, air tickets arrangements, emergency medical evacuation, referral services for interpreter/translator, legal, embassy, hospital admission and other medical facilities, etc. These services are available 24/7 by calling our Hotline at (65) 6922 6009.

Q: Will I be covered if I am going overseas to receive medical treatment?
A: No. We do not cover you if you are travelling contrary to the advice of any Qualified Medical Practitioner or for the purpose of obtaining medical treatment.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway GP clinics?
A: The list of Healthway GP clinics can be found here. Special rates will apply for renewal customers only.

Q: As an Annual Travel Insurance renewal customer, how do I find out the list of Healthway Dental clinics?
A: The list of Healthway Dental clinics can be found here. Special rates will apply for renewal customers only.

Q: What are the Terms and Conditions for COVIDSafe Travel Protect360 Insurance?
A: You can find out more about our Terms and Conditions for COVIDSafe Travel Protect360 here.


Claims

For 24-Hour Emergency Travel Assistance Service, please contact 6922 6009.

File a Travel Insurance Claim

Claims Procedure and Documentation
Please submit your claim to us with the original Claim form and supporting documents within 30 days upon returning from your trip.

Common documents for all Travel Insurance Claims:

  • Claim Form
  • Copy of flight itinerary
  • Proof of travel, i.e. original boarding pass, air tickets, copy of passport etc.

    Supporting documents needed when making a claim for:

    1. Personal Accident, Medical, Dental and Other Expenses
      • Medical Report and Medical Certificate
      • Original Medical bills / receipts
      • Death Certificate, autopsy report, coroner’s findings, if applicable (for death claim)
      • Documentary proof of relationship between deceased and claimant (for death claim)
      • Motor accident report / police report (for injury / death resulting from a traffic accident)

    2. Baggage & Personal Effects
      • Baggage loss or damage report / Property irregularity report from the carrier / airline
      • Baggage tag(s) issued from the carrier / airline during check-in
      • Written confirmation of carrier / airline’s settlement / rejection of claim for damage / loss of property
      • Photographs of damaged items
      • Original purchase receipts of damaged/lost items

    3. Money & Documents
      • Copy of police report lodged at place of loss within 24 hours
      • Receipts for replacement of passport / visa
      • Transportation and / or hotel bills / receipts incurred for replacement of document

    4. Baggage Delay (at the scheduled overseas destination)
      • Baggage delay report
      • Baggage tag(s) issued from the carrier / airline during check-in
      • Written confirmation from carrier / airline on reason and duration of delay
      • Acknowledgement receipt of baggage received

    5. Trip Cancellation / Curtailment
      • Medical Report and other medical documents / Death Certificate
      • Proof of relationship (if due to sickness, injury or death of related person)
      • Written advice or medical certificate from a Registered Medical Practitioner to cancel / curtail trip
      • Original tour booking invoice / receipt
      • Travel agent and / or airline’s confirmation of the refund amount
      • Original invoice / receipt for charges incurred in amending or purchasing additional air ticket (for trip curtailment)

    6. Travel Delay or Travel Misconnection or Overbooked Flight or Flight Diversion
      • Written confirmation from carrier / airline on reason and duration of delay, overbooked flight, travel misconnection, and / or diversion
      • Air ticket and Boarding pass

    7. Loss of Home Contents due to Burglary
      • Copy of police report lodged within 24 hours upon discovery
      • Invoice of damaged items / quotations
      • Original photographs of damaged items

    8. Personal Liability
      • Do not admit any liability or make any offer, promise or payment without our prior consent
      • Forward all correspondence / documents from third parties concerning the accident to us immediately
      • Copy of police report lodged (if applicable)

    We will contact you for any additional documents that may be required.

    Claim Form

    You may like to submit your claims online. Kindly note that it may take longer to process a claim if we require additional information or documents from you. For any claims enquiry, amendment of details or submission of supporting or original documents, please email our friendly claims officers at claims@hlas.com.sg with our acknowledgement reference number – MTC/YYYY/000000.

    We will keep you updated on your claim by email. You can also call our hotline 69226003 to check on your claim.

    Thank you for insuring with HL Assurance.

     




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