Covid19 Cover

We want you and your family to be protected wherever you are.

Check out insurance products at Grab for protection against COVID-19, underwritten by PFI Mega Life Insurance.

How COVID-19 Cover works

With premiums as low as Rp10k per month, you are covered for:

COVID-19 Coverage

  • Rp2.000.000 | ICU admittance due to serious stage COVID-19*
  • Rp10.000.000 | Death benefit for COVID-19

Accidental death coverage

  • Rp25.000.000 | Death benefit for personal accident (24/7 coverage even when travelling overseas)

*In the event you are transferred to an ICU room for more advanced COVID-19 treatment, due to stage of shock, or respiratory failure, or you need to have a ventilator installed due to your COVID-19 condition.

Each policy provides coverage for 30 days (and will not be automatically updated). To remain covered, simply make a repurchase once the previous policy expires. Limited quota applies on a monthly basis.

Frequently Asked Question (FAQ)

NOTE: The FAQ was made in Bahasa Indonesia and English. Should there be any difference in interpretation between these languages, Bahasa Indonesia prevails.

1. Eligibility & Registration

The entry age for the insured is 6 months to 60 years old.

The policyholder age has to be between 18 to 60 years old.

This policy is only for one (1) insured member, but you may purchase separate policies for each of your family members. 

As long as Your ID Card Number did not change then please key in Your ID Card Number. Please ensure that you are able to retrieve any replacement ID Card with the same profile.

No, you will not be eligible. All applicants are required to pass a health declaration for every policy purchase and pre-existing conditions will be excluded for claims. 

Yes, some of the exclusions for the plan are listed below:

  • When it is a case of fraud,
  • In the past 30 days
    • The insured person have travelled abroad,
    • The insured person knowingly had any contact with a person who travelled abroad,
    • The insured person is suspected of COVID-19,
    • The insured person have shown any symptoms or sought consultation for COVID-19,
    • The insured person have had contact with any suspected COVID-19 carrier,
    • The insured person resides with anyone working in a medical capacity.

Please refer to your COVID-19 Cover’s Mega Personal Accident Policy and your COVID- 19 Endorsement for more information.

Should you be ineligible due to pre-existing conditions that are under the exclusions list, your claim may be rejected, on COVID-19 part. 

You may make payment from your OVO wallet.

If it is a network issue, please try again later.

If it is related with health declaration then you/ the applicant is not eligible to register.

If your application details have been reviewed and it is not successful, then you/ the applicant is not eligible to register.

2. Product Information

COVID-19 Cover is a coverage added to your Mega Personal Accident Policy, at no additional cost to your Mega Personal Accident’s Premium. And, such coverage can be purchased from the GRAB App, underwritten by PFI Mega Life Insurance.

No. The offer through this GRAB app is for a single option offering. But for anything different you can liaise directly to PFI Mega Life Insurance.

No. The offer through this GRAB app is for a single option offering. But for anything different you can liaise directly to PFI Mega Life Insurance.

No, however, you can purchase a new policy after your COVID-19 Cover on Mega Personal Accident Policy expire.

No, if you have purchased the policy before for yourself and/or your immediate family, having passed the health declaration before, and are now buying again, you will not need to go through the health declaration check. 

However, you will receive a new policy number and your coverage period for the new policy will start after successful payment. 

The waiting period of 5 days for COVID-19 benefit claims will also be waived for the new policy issued after you have bought again.  

The period for you to re-purchase the policy without having to pass the health declaration check again is up to 14 days after the original coverage term expired.

Yes. The Insurer will accumulate the your MPA Policies across sales platforms with maximum limit as specified in your Policy, if any.

No. Your Mega Personal Accident Policy along with its additional COVID-19 Cover Policy cannot be altered once purchased.

No. Coverage is still valid for 30 days from the start of the policy.

No. All information for such coverage issuance is based on Your information that has been shared via the GRAB app so it cannot be reassigned to someone else.

However, should the policyholder pass away before the insured person, as per the Policy, there is a mechanism to re-assign the Policy to another Policyholder so that the Policy will still be active and the insured person is still protected.

No you will not be eligible. Such condition is part of COVID-19 benefit exclusion so that any claim related with COVID-19 benefit is to be rejected.

Total COVID-19 benefit is Rp12 million. Such coverage is a total of 1) Rp2 million in the case of being hospitalized in the Intensive Care Unit (ICU) Room, due to any of these factor, i.e. shock condition, or respiratory failure state, or necessity to have ventilator being injected into, and 2) Rp10 million if it leads up to death due to COVID-19.

The Insurer will pay out for a claim as per the covered COVID-19 condition the insured person/ you received (ICU admittance due to serious stage COVID-19), excluding the journey that the insured person/you did not pass (death due to COVID-19).

All policies are issued in WIB +7 time.

If your purchase was completed close to midnight (00:00 hours), your policy may be issued the next day and your coverage period will start the next day. 

3. Claims

You have to submit a claim within 30 days either after the date of death or discharged from hospitalization, and completed the requested required documents within 90 days of the said date of death or discharged date. 

Please refer to your Mega Personal Accident Policy and your COVID-19 Endorsement for further clarification.

You would have to submit Policyholder ID Card, Insured ID Card, Insured’ Family ID Card, for verification, along with any relevant Doctor’s report. Please refer to your Mega Personal Accident Policy  and your COVID-19 Endorsement for further clarification.

You may submit a claim to the Insurer by following a simple 3-step process.

Step 1: Make a Claim by sending an email to claim.grab@pfimegalife.co.id and provide your :

– Policy number

– Policyholder ID Card Number

– Insured ID Card Number

– Insured’s Family ID Card

– what claim that you want to file for.

Step 2: Follow all instructions and complete any forms as directed by the Insurer through the provided email above.

Step 3: Complete both forms (if any) and all required documents within 90 days of hospital discharge or date of death.

You can directly contact the provided email address above for the claim process to check your claim status.

Once all documents have been fully received and verified, and the Insurer confirms that they decided to pay your claim, it will take up to 30 days to receive the payout.

There is a waiting period of 5 days for Your COVID-19 coverage from the commencement date of Your COVID-19 Cover on Mega Personal Accident Policy, but there is no waiting period for personal accident benefit.

If the Insured person is diagnosed or infected with COVID-19 within the said Waiting Period then no benefits will be payable under the policy, either for severe condition due to COVID-19 or death due to COVID-19. 

If you have multiple COVID-19 Endorsement issued by PFI Mega Life Insurance then the valid one is earliest commencement date among your COVID-19 Endorsements.

PFI Mega Life Insurance will pay out based on the COVID-19 endorsement conditions. 

If you have COVID-19 benefits from other insurers, please submit any claims enquiry to them.

Please make sure that any risk incidence that the insured person/ you experience do not fall into any points listed in the exclusion articles in the policy wording and Covid-19 endorsement.

Yes. Please refer to your Mega Personal Accident Policy and your COVID-19 Endorsement for further clarification.

Your beneficiary or heir is normally a legal descendant and is verified with the valid Family ID Card. In the case of simultaneous death or any dispute arising from this heir assignment, we will adhere to the prevailing law and court decision. 

If you wish to nominate someone else not listed on your family card or outside of your legal heir, please email PFI Mega Life Insurance at layanancs@pfimegalife.co.id.

Got a question?

You can contact Grab customer support at:

Hotline: +622180648767 (24/7 hotline)

You can also visit our Help Centre for more information.

Established in 2011, PT PFI Mega Life Insurance is a newly structured joint venture life insurance company which combines the global expertise of Prudential Financial Inc with the local market network of CT Corpora. PFI Mega Life offers an array of life insurance products which cater to a wide range of customers, from large entities to individuals. Its product offering includes investment-linked insurance products and credit shield insurance. PFI Mega Life products and services is offered through multiple distribution channels, including bancassurance, telemarketing as well as retail channel.

More information can be found at www.pfimegalife.co.id.

COVID-19 Cover is a free benefit offered on Mega Personal Accident. This product is underwritten by PFI Mega Life Insurance.

PT PFI Mega Life Insurance is registered and supervised by Otoritas Jasa Keuangan.