Compare the Best Hong Leong Assurance Travel Insurance 2026 | Up to 60% OFF
Looking for the cheapest Hong Leong Assurance travel insurance in Singapore? Use MoneySmart's travel insurance comparison tool and save on single or annual trip coverage!
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We found 4 Hong Leong Assurance Insurance Plans for you!
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[GIVEAWAY: Go "Grab" Vouchers!]
Score S$10 Grab vouchers when you purchase a HL Assurance travel insurance with a min. premium above $100. T&Cs apply.
Choose CASH or REWARDS:
• S$60 GrabGift vouchers
• OR up to Eskimo 8GB eSIM (worth S$60)
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward
and many more with eligible premiums spent.
T&Cs apply.
Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans!
Valid till 30 Jun 2026
[GIVEAWAY: Go "Grab" Vouchers!]
Score S$10 Grab vouchers when you purchase a HL Assurance travel insurance with a min. premium above $100. T&Cs apply.
Choose CASH or REWARDS:
• S$60 GrabGift vouchers
• OR up to Eskimo 8GB eSIM (worth S$60)
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward
and many more with eligible premiums spent.
T&Cs apply.
Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans!
Valid till 30 Jun 2026
[GIVEAWAY: Go "Grab" Vouchers!]
Score S$10 Grab vouchers when you purchase a HL Assurance travel insurance with a min. premium above $100. T&Cs apply.
Choose CASH or REWARDS:
• S$60 GrabGift vouchers
• OR up to Eskimo 8GB eSIM (worth S$60)
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward
and many more with eligible premiums spent.
T&Cs apply.
Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans!
Valid till 30 Jun 2026
[GIVEAWAY: Go "Grab" Vouchers!]
Score S$10 Grab vouchers when you purchase a HL Assurance travel insurance with a min. premium above $100. T&Cs apply.
Choose CASH or REWARDS:
• S$60 GrabGift vouchers
• OR up to Eskimo 8GB eSIM (worth S$60)
• OR up to S$50 Cash via PayNow
• AND S$30 Revolut cash reward
and many more with eligible premiums spent.
T&Cs apply.
Plus, enjoy 60% off on Single Trip and 50% off on Annual Plan Travel Insurance plans!
Valid till 30 Jun 2026
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Why Choose Hong Leong Assurance Travel Insurance?
HL Assurance is a MAS-regulated Singapore insurer offering four travel insurance plan tiers: Basic, Silver, Gold, and Platinum with overseas medical coverage spanning from S$150,000 to S$750,000, COVID-19 protection (Silver tier and above), and 24/7 emergency support across all tiers.
Other key coverage scopes include: Unlimited medical evacuation, digital claims portal, pre-existing condition add-ons available, and competitive premiums for the budget-conscious across different traveller profiles (solo travellers, families, students, and frequent flyers).
Intrigued? Besides comparing plan coverages, keep reading our guide to discover more about HL Assurance travel insurance’s eligibility requirements, application procedures, and exclusions to help you select the right travel insurance plan for your next trip out.
Hong Leong Assurance Travel Insurance Plans & Key Coverage: Comparison
For those looking for a quick, no-nonsense way to compare Hong Leong (HL Assurance) travel insurance options in Singapore, here’s a side-by-side table of their main plans with coverage highlights, best-fit traveller types, and add-on availability.
Plan tier | Overseas medical coverage | Trip delay / cancellation | Baggage loss / delay | COVID-19 coverage | ⭐ Best for |
Up to S$150,000 | Delay: Up to S$1,000 Cancel: Up to S$5,000 | Loss: Up to S$3,000 Delay: Up to S$800 | ❌ Not included | Solo travellers, students, budget trips | |
Up to S$250,000 | Delay: Up to S$1,000 Cancel: Up to S$7,000 | Loss: Up to S$5,000 Delay: Up to S$1,000 | ✅ Yes, up to S$50,000 medical, trip curtailment, quarantine | Business/leisure, families, frequent flyers | |
Up to S$500,000 | Delay: Up to S$1,000 Cancel: Up to S$12,000 | Loss: Up to S$7,000 Delay: Up to S$1,000 | ✅ Yes, up to S$150,000 medical, higher caps on disruptions | Families, older travellers, longer regional trips | |
Up to S$750,000 | Delay: Up to S$1,000 Cancel: Up to S$15,000 | Loss: Up to S$8,000 Delay: Up to S$1,500 | ✅ Yes, up to S$200,000 medical, and comprehensive max limits on other coverages | Frequent jetsetters, multi-trips annually, premium family |
Note: All coverage amounts stated are for those insured 70 years old and younger. All plans also offer unlimited emergency medical evacuation and personal liability (from S$500,000 up to S$1,000,000 depending on tier). Add-ons include cover for pre-existing medical conditions, quicker delay payouts, and loss of frequent flyer miles.
Coverage exclusions
Exclusion type | Details |
Undisclosed pre-existing conditions | No coverage without add-on; outpatient follow-up in Singapore excluded even with add-on |
COVID-19 (Basic plan only) | No pandemic-related medical or trip disruption coverage |
Adventure sports | Bungee jumping, skydiving, snow/ice sports excluded |
Business equipment & losses | Work-related equipment and professional trip losses not covered |
Baggage sub-limits | Electronics, cash, valuables have lower limits or exclusions; declare high-value items separately |
War, terrorism, illegal acts | No coverage for war, terrorism, or illegal activities |
Travel against advisories | No coverage if travelling against Singapore government warnings |
Pros ✅ | Cons ❌ |
Competitive pricing for short regional trips and budget travellers | Pre-existing conditions excluded unless you purchase the add-on |
Unlimited emergency medical evacuation across all tiers | Reduced medical coverage for ages 70+ (lower limits and fewer plan options) |
COVID-19 coverage on Silver, Gold, and Platinum plans (Basic excluded) | Adventure sports excluded (bungee jumping, skiing, scuba diving beyond recreational limits) |
Flexible add-ons (pre-existing conditions cover, faster delay payout) | No travel for ages 85+ (maximum coverage age is up to 85 years) |
Multiple claim channels (online portal, email, post) with digital tracking | Basic plan lacks pandemic cover (upgrade to Silver+ for COVID-19 protection) |
Comparison: Average Cost and Coverage Extent of Travel Insurance in Singapore
Insurance provider | Best for | Overseas medical coverage | Trip cancellation coverage | Baggage damage or loss | Premium |
Emergency transportation (Includes COVID-19 Coverage) | From S$200,000 | From S$1,500 | From S$1,000 | From S$14.80 | |
"Kids travel with free coverage" benefit (Families) | From S$150,000 | From S$3,000 | From S$1,000 | From S$16.87 | |
Lower premiums | From S$200,000 | From S$7,500 | From S$3,000 | From S$16.75 | |
Coverage for sports and adventurous activities | From S$100,000 | From S$2,000 | From S$2,500 | From S$16.20 | |
No claim discount of up to 10% on next trip | From S$150,000 | From S$5,000 | From S$3,000 | From S$18.40 | |
Post-departure purchase up to a day of departure | From S$250,000 | From S$5,000 | From S$3,000 | From S$26.86 | |
Comprehensive coverage (includes pre-existing conditions) | From S$250,000 | From S$5,000 | From S$3,000 | From S$17.40 | |
High or unlimited overseas medical coverage | From S$250,000 | From S$5,000 | From S$3,000 | From S$22.58 | |
Specially tailored plan for Japan trips | From S$200,000 | From S$5,000 | From S$1,000 | From S$17.60 | |
Cruise coverage | From S$200,000 | From S$5,000 | From S$3,000 | From S$17.16 | |
Auto-pay out and higher efficiency for flight delays | From S$200,000 | From S$5,000 | From S$2,000 | From S$16 | |
Complimentary lounge access for flight delays | From S$100,000 | From S$2,500 | From S$2,000 | From S$16.62 | |
Extensive coverage including COVID-19 | From S$100,000 | From S$3,000 | From S$1,000 | From S$36 |
Disclaimer: Accurate as of 23 March 2026. Premiums shown in this table are “from” prices based on the insurer’s entry-level plan for a short trip to a low-risk regional destination (typically 3–4 days within Asia, single adult traveller). Actual premiums will vary depending on your destination, duration, age, coverage tier, and add-ons selected. Always run a personalised quote to get the exact cost for your trip.
How to use this table?
- Start with coverage needs: If you’re mainly worried about medical bills overseas, Starr and FWD both offer solid base coverage of S$200,000.
- Check COVID-19 protection: Starr Bronze includes S$15,000 in overseas medical cover, while FWD offers a higher add-on option (up to S$200,000).
- Look at travel disruption: FWD provides stronger cancellation protection (S$7,500 vs Starr’s S$5,000).
- Review baggage cover: Both Starr and FWD protect against baggage loss/delay, though Starr offers higher delay payouts.
- Don’t miss MoneySmart Exclusive promos: Promotions can tilt the balance.
HL Assurance Travel Insurance Eligibility & Application Process
When choosing a HL Assurance travel insurance plan, it’s crucial to know if you’re eligible, how the process works, and what fine print can trip you up—especially if you want the most affordable plan.
Eligibility criteria
Requirement | Details |
Age |
|
Residency | Singapore Citizens, PRs, or valid pass holders (S Pass, EP) |
Group/family size | Individual or family plans available; family = 1-2 adults + up to 4 children (varies with policy limits) |
Trip duration |
|
Documents required |
|
How to apply for HL Assurance travel insurance: Step-by-step guide
Step | Action | Details |
1 | Compare Hong Leong Travel Insurance plan tiers | Use our MoneySmart travel insurance comparison tool or the plan comparison table above to identify which tier (Basic, Silver, Gold, or Platinum) matches your travel coverage needs and budget best. Ensure you meet plan eligibility criteria (Singapore Citizen, PR, or valid pass holder; 18+ years old; coverage up to age 70). |
2 | Get a premium quote | Visit the Hong Leong Travel Insurance provider page on MoneySmart, enter your travel dates, destination, and number of travellers for an instant quote on plan premiums. |
3 | Apply for Hong Leong Travel Insurance plan | Click the "Apply Now" button on your preferred HL Assurance plan. Fill in personal particulars, travel itinerary, cover type (individual/family), and select any add-ons (pre-existing conditions, faster delay payout). Have your NRIC/FIN/passport ready. Upon completion, any ongoing MoneySmart promos/discounts will be automatically applied at checkout. |
4 | Make payment | Pay via credit/debit card. Payment confirmation is instant. |
5 | Receive policy documents | Policy certificate and documents emailed immediately after payment. Download and save digital copies before your trip commences. |
What Customers Say About Their Travel Insurance Purchase
Still Can't Decide? Explore More Plans Here ➡️
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How to File a HL Assurance Travel Insurance Claim?
When to submit a claim?
If you experience a claimable incident during your trip, gather documentation immediately:
- Loss/theft: Police report within 24 hours, original receipts
- Medical emergency: Doctor's memo, treatment receipts, medical bills
- Travel delays: Airline confirmation, luggage tags, delay certificates
- Baggage damage: Photos of damage, purchase receipts for items
How to submit your claim?
Method | Details | Speed |
Online (Recommended) | Submit claim online via HL Assurance Claims Portal | ⚡ Quickest |
[email protected] with completed form + supporting docs | Fast | |
Post | HL Assurance, 11 Keppel Road, #11-01 ABI Plaza, Singapore 089057 | Slower |
It’s important to keep copies of all submitted documents for your records. Also, ensure to submit within 30 days of the incident or return to Singapore—whichever is later. Late submissions will be rejected.
💡 Post-trip outpatient tip: Use the IHP app at participating clinics for cashless treatment (up to $100 per visit).
Common travel insurance pitfalls
Pitfall | Details |
“No plan is claim-proof.” | Even with the best plan, incomplete docs, late submissions, or not purchasing add-ons can void claims |
Not purchasing pre-existing conditions cover as add-on | Especially important when travelling with immuno-compromised or the elderly; travel insurance claims related to pre-existing conditions will be denied without it |
Filing claims after 30-day window period | Claims must be filed within 30 days of the incident or return to Singapore, whichever is later Late claims submissions will be rejected, regardless |
Baggage / electronics sub-limits | Total baggage coverage doesn't mean full reimbursement per item. Electronics and valuables have separate caps (e.g., S$500 per item even if total baggage limit is S$5,000) Always check your policy wording |
How to Maximise Travel Insurance Value For Budget-Conscious Travellers?
- ✅ Compare coverage, not just price: Basic plans suit short, low-risk trips but skip COVID-19 cover. Upgrade for valuables, long trips, or higher medical caps.
- ✅ Buy only what you need: Skip unnecessary add-ons for simple trips. Consider annual plans if you travel 2+ times yearly.
- ✅ Time your purchase: Buy during MoneySmart travel insurance promo periods for discounts and bonuses. Stack with No Claims Discount (NCD) if eligible.
- ✅ Group / family plans: Cheaper per person than individual policies.
FAQs About HL Assurance Travel Insurance
What's the cheapest HL Assurance travel insurance plan and what does it cover?
- The HL Assurance Travel Protect360 Basic plan is the most affordable option, covering overseas medical emergencies (up to S$150,000 for adults under 70), trip cancellations (up to S$5,000), travel delays, and lost baggage. COVID-19 protection is not included, unless you upgrade to Silver or above for pandemic cover.
Which HL Assurance travel insurance plans include COVID-19 coverage?
- Only Silver, Gold, and Platinum plans provide COVID-19 cover. This includes overseas medical expenses for COVID-19 (S$50,000 for Silver, S$150,000 for Gold, S$200,000 for Platinum), trip cancellations or postponement, emergency evacuation, hospitalisation and quarantine allowances, and trip curtailment.
Can I get coverage for pre-existing medical conditions?
- Yes. You can add pre-existing medical cover as an optional add-on across all plan tiers. Without this add-on, claims related to prior health conditions (e.g. diabetes, asthma) will be denied, even on premium plans. The add-on does not cover follow-up outpatient care once back in Singapore.
What are the key exclusions I should know before buying?
- Key exclusions under HL Assurance travel insurance comprise:
- Undisclosed pre-existing conditions (unless add-on purchased)
- COVID-19 events under the Basic plan
- Adventure sports (bungee jumping, skiing) (unless add-on purchased)
- Business equipment, and valuables subject to baggage sub-limits
Do also note that no plan covers illegal activities or travel against Singapore government advisories. How do I make a claim, and what documents do I need?
Lodge claims online via HL Assurance's e-Claims portal within 30 days of the incident or return to Singapore. Required documents include policy details, boarding pass, medical or police report (for illness/theft), original receipts, and travel confirmations.
Meanwhile, claims may be denied if:
- You didn’t purchase necessary add-ons (e.g. for pre-existing conditions).
- Filing is late (after 30 days of the incident/return).
- Supporting docs (receipts, reports) are missing.
- The claim is for an excluded event (like adventure sports, non-covered valuables, or pandemic events under the Basic plan).
Do families get better rates on HL Assurance travel insurance?
- Yes, HL Assurance offers family travel insurance plans (typically up to two adults plus up to four children). These usually provide per-person rate savings and are open to Singapore Citizens, PRs, and valid pass holders. Age limits of dependants apply where generally, children from 30 days up to 18 years are covered.
What should I do if I have a medical emergency overseas?
- Contact HL Assurance's 24/7 emergency hotline immediately—available to all policyholders regardless of plan tier. They assist with hospital admissions, evacuation, and urgent advice. Gather documentation immediately (police report for loss, doctor's memo for illness).
How do I choose between Basic, Silver, Gold, and Platinum plans?
- Choose Basic for short, low-risk trips on a tight budget, but note it lacks COVID-19 cover and has lower payout limits. Silver, Gold, and Platinum offer progressively higher caps on medical, baggage, and travel disruptions, plus pandemic cover. Add the pre-existing conditions or faster delay payout add-ons if needed.