Question 1

What is the difference between Hong Leong Insurance and Hong Leong Assurance?

Accepted Answer

Both are under Hong Leong Financial Group but are separate companies. Hong Leong Insurance Berhad: general insurance — motor, fire, travel, marine, SME. Hong Leong Assurance Berhad (HLA): life insurance — medical card (HLA MedCard), critical illness, term life, investment-linked plans. If you need car insurance, go to Hong Leong Insurance. If you need medical card or life cover, go to HLA (Hong Leong Assurance). Both are regulated by Bank Negara Malaysia.

Question 2

How much is Hong Leong car insurance in Malaysia?

Accepted Answer

Hong Leong Insurance comprehensive car insurance starts from approximately RM345–RM470/year for budget cars (Myvi, Axia) in 2026. Third-party from RM130/year. Hong Leong Insurance is competitively priced — similar to Kurnia (RM340+) and Lonpac (RM340+), slightly cheaper than Etiqa (RM380+). NCD (0%–55%) and vehicle market value are the biggest premium drivers.

Question 3

How do I make a claim with Hong Leong Insurance Malaysia?

Accepted Answer

Hong Leong Insurance claims: Motor — call 03-7650-1288; bring car to authorised Hong Leong panel workshop; lodge police report within 24 hours for third-party accidents. Windscreen — go directly to approved windscreen centre (does not affect NCD). Travel — submit online within 30 days. Hong Leong has a panel workshop network across Peninsular Malaysia.

Question 4

Is Hong Leong Assurance (HLA) medical card good?

Accepted Answer

HLA MedCard is Hong Leong Assurance's medical card product — competitively priced at RM55/month for age 18–30, with annual limits up to RM1M on higher-tier plans. HLA has a panel hospital network of 500+ hospitals. HLA is mid-tier for medical cards — not as comprehensive as AIA or Prudential's top plans, but more affordable. Particularly recommended for: first-time medical card buyers wanting a reputable brand at lower entry cost.

Product	Price	Coverage
Car Insurance (Comprehensive)Popular	From RM345/year	Own damage, TPBI, TPPD, theft, roadside assistance
Car Insurance (3rd Party)	From RM130/year	Mandatory minimum coverage
Motorcycle Insurance	From RM100/year	Comprehensive or third party
Travel Insurance	From RM18/trip	Medical, cancellation, baggage, PA
HLA MedCard (via Hong Leong Assurance)	From RM55/month	Medical card via HLA — hospitalisation and surgical
Fire / Home Insurance	From RM85/year	Building and contents — fire, flood, theft
SME Business Package	Custom quote	Fire, burglary, public liability, marine

Monthly	10 yrs	20 yrs	30 yrs
RM300/mo	RM61k	RM228k	RM678k
RM500/mo	RM102k	RM380k	RM1.13M
RM531/mo	RM109k	RM404k	RM1.2M

Hong Leong Insurance Malaysia 2026

Hong Leong Insurance Products 2026

Frequently Asked Questions

RM500/Month for 30 Years = RM1.13M — via S&P 500 at 10% p.a.

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