HL Assurance vs Tokio Marine travel insurance

Of the 12 examples both price, HL Assurance was cheaper on 12, Tokio Marine on 0. Your own answers can change the order, so get your own quote.

On each one's cheapest plan for one week in Thailand, one adult (HL Assurance Travel Assured Plus Basic (no COVID-19 cover), Tokio Marine TM Travel Trust Standard): Overseas medical expenses: HL Assurance S$150,000 overseas (age 70 and below; S$50,000 above 70; child S$100,000); medical expenses in Singapore S$10,000; no COVID-19 cover, Tokio Marine S$175,000 (S$75,000 age 70-89); Trip cancellation: HL Assurance S$5,000, Tokio Marine S$2,500; Baggage and personal belongings: HL Assurance S$3,000 (delayed baggage S$100 every 6 hours up to S$800), Tokio Marine S$2,500; COVID-19: HL Assurance Not covered, Tokio Marine Included: overseas medical up to S$50,000 (S$30,000 age 70-89), evacuation and repatriation up to S$20,000 (S$10,000 age 70-89); no COVID-19 cover for trip cancellation, postponement or curtailment; not if you travel against a government travel advisory, or while WHO has COVID-19 declared a global health emergency (PHEIC); COVID-19 tests, vaccinations and quarantine costs are not covered; Excess: HL Assurance S$0.00, Tokio Marine S$0.00.

HL Assurance: 60% off; 50% off. Tokio Marine: none to show.