HL Assurance (HLAS) is a Singapore-based insurer offering a wide range of personal and commercial insurance products, alongside operations in Malaysia and Hong Kong under the wider HLAH group. On the personal side, HL Assurance covers travel, car, home contents, fire, critical illness, hospital income, maid, mobile phone, personal accident and fraud/cyber insurance, along with products like Choice Protect360 and the Singapore Travel Pass. Commercial offerings include business packages, casualty insurance, corporate travel insurance, engineering insurance and property insurance.
The company runs its own mobile app for managing policies, and customers can reach the team by phone, WhatsApp or email. HL Assurance also publishes articles on topics such as kitchen fire prevention, overseas medical evacuation insurance and flight disruption, aimed at helping customers understand risks relevant to their cover.
Customer reviews on the site highlight the company's customer service, with one reviewer describing switching back to HL Assurance for motor insurance because of the standard of service from the team, and another noting a positive first-time experience buying car insurance online with reasonable premiums and clear explanations of policy terms.
HL Assurance participates in Singapore's Policy Owner's Protection (PPF) Scheme, and periodically runs promotions on products such as travel and fraud insurance.
HL Assurance, also known as HLAS, is a Singapore insurer offering a broad range of personal and commercial insurance products, part of the wider HLAH group which also operates in Malaysia and Hong Kong. The company positions itself around straightforward, well-explained cover, backed by a customer service team that reviewers on its own site describe as polite, patient and professional.
On the personal side, HL Assurance's range spans the essentials and the specific: travel insurance, car insurance, fire insurance, and home contents cover through Home Protect360 and Home ProtectLite. For health and financial protection, there's Critical Illness Protect360 and Early Protect360 Plus for earlier-stage critical illness cover, Hospital Protect360 for hospital income, and Accident Protect360 or Family Protect360 for personal accident cover. The company also offers more specific products like maid insurance (including Maid Protect360 PRO), mobile phone insurance, fraud/cyber insurance through Fraud Protect360 PLUS, Choice Protect360, corporate employee insurance, and the Singapore Travel Pass.
On the commercial side, HL Assurance offers business packages, casualty insurance, corporate travel insurance through Corporate Travel360, engineering insurance and property insurance — a spread aimed at covering different aspects of running a business, from general liability through to specific project or travel risk.
HL Assurance regularly runs promotions across its product range. At the time of writing, Travel Protect360 was offering 60% off single trip plans and 50% off annual travel plans, while Fraud Protect360 PLUS had a discount of 20% plus a further 10% off for annual spouse plans. Maid Protect360 PRO was highlighted for offering alternative maid services and a waiver of co-payment, among other benefits, positioning it as a higher-value option among maid insurance policies. As always with insurance promotions, terms and conditions apply, so it's worth checking the specifics before signing up.
Beyond selling policies, HL Assurance publishes articles aimed at helping customers understand the risks their insurance is meant to cover. Recent topics have included a guide to preventing kitchen fires in Singapore's high-rise, compact homes, an explainer on overseas medical evacuation insurance for travellers heading to remote areas, and a look at what happens — and what your options are — if you miss a flight.
Customer reviews shared on HL Assurance's site point to service as a key differentiator. One long-time customer, who had previously switched motor insurers to chase the lowest premium, described returning to HL Assurance because of consistently polite and patient customer service. Another reviewer, buying car insurance online for the first time, praised the reasonable premiums, good coverage, and clear explanation of policy terms and conditions from HL Assurance staff.
HL Assurance can be reached by phone at +65 6702 0202 (Monday to Friday, 9am to 6pm), or after office hours at +65 6922 6009. WhatsApp support is also available at 6702 0202, and general enquiries can be sent to [email protected]. Policies can be managed through the HLAS Mobile app, available on iOS and Android, and the company participates in Singapore's Policy Owner's Protection (PPF) Scheme.