Even the most careful person can’t prevent mishaps all the time.

Introducing Accident Cover, a personal accident insurance plan that gives you and your family 24/7 coverage anywhere in the world. Get you and your family covered up to RM25,000/person, for only RM37/month. Buy now and get a limited time offer for additional COVID-19 coverage too.

Accident Cover benefits

Worldwide coverage

Get 24/7 protection anywhere in the world. This means you and your family are still covered when travelling abroad.

Affordable

Get you and your family covered up to RM25,000/person for as low as RM37/month.

Convenient and flexible

You can easily apply or cancel your own or your family’s insurance coverage in just a few taps.

FAQs

1. General Questions

Accident Cover is an insurance product designed to cover you in the event of bodily injury arising from an accident which results in death or permanent disablement as well as accidental medical expenses reimbursement and daily hospital income due to an accident. Kindly refer to the product disclosure sheet for further details. Accident Cover is issued as a master policy to GrabCar Sdn. Bhd. (as master policyholder) where the benefits of its mobile application users. It is distributed by GrabInsure Agency (M) Sdn. Bhd.

Accident Cover is exclusively offered to Grab mobile application users who are:

(i)   Malaysian Residents; and

(ii) aged between 18 up to 70 years on the effective date of coverage.

As an illustration, if your date of birth is 28/11/1949, the last renewal date for Accident Cover will be 27/11/2019, which is a day before you turn 70.

You can also purchase Accident Cover to include your spouse or dependent child(ren) if any.

Your Spouse is entitled to all the same benefits and sum insured as you.

 Your dependent child(ren) is entitled to 25% of the sum insured for Accidental Death and Disability benefits. Other benefits and sum insured remain the same as you.

You can purchase Accident Cover via the Grab Passenger application.

No. One passenger can only purchase one Accident Cover policy.

(Note: Chubb will not cover you for more than one Accident Cover at the same time. If you have purchased more than 1 such policy, Chubb will consider you to be covered under the policy first issued and any other policies not recognized by Chubb shall be cancelled and premium shall be refunded.)

No, there is no waiting period, except for those benefits which are for Covid-19 where a 7-day waiting period is applicable.

Premium will be deducted from your Grab Passenger e-wallet app.

No, there is no need to answer any medical questions or go for a medical check-up. However, there is a specific set of exclusions (including pre-medical conditions) which exclude coverage. Please refer to the Policy contract for the full list of exclusions under this Policy.

The Policy excludes occupations like professional sports person, policeman, firefighters, military, naval, airforce, cabin attendants, stewards and pilots, whilst they are on duty.

However, the above exclusions are not exhaustive. Please refer to the Policy contract for the full list of exclusions under this Policy.

You will be paid on top of other personal accident policies. However, for losses under Medical Expenses, Chubb will reimburse you the actual loss suffered up to the amount specified under this policy.

In the event you become entitled to a refund of all or part of such expenses from any other sources, Chubb will only be liable for the excess of the amount recoverable from such other source.

Yes, you may cancel your coverage under this Policy at any time.

Upon such cancellation, you will be covered until the expiry of the period of insurance.

It is important that you inform Chubb of any changes in your contact details to ensure that all the correspondence reaches you in a timely manner. You may contact Chubb’s customer careline at 03-2058 3181 or via email at GrabInquiries.MY@chubb.com.

Accident Cover is underwritten by Chubb Insurance Malaysia Berhad, Registration No. 197001000564 (9827-A), an insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia. 

You may contact Chubb’s customer careline at 03-2058 3181 or via email at GrabInquiries.MY@chubb.com.

You may purchase Accident Cover by using your Grab Passenger application.

Accident Cover will be automatically renewed on a monthly basis provided that the monthly premium is successfully deducted from your Grab Passenger application.

You must  ensure  you   have  sufficient credit  in your Grab Passenger application  to pay for   the  premium  chargeable.

Refund will be credited to your Grab mobile application.

2. Coverage

Accident Cover covers:

Benefits Plan
Accidental Death RM 25,000 (Adult) RM6,250 (Child)^
Accidental Disability Up to RM 25,000 (Adult) Up to RM6,250 (Child)^
Accidental Medical Expenses (reimbursement basis) Up to RM1,000
Accidental Daily Hospital Income (up to maximum 14 days)*   RM 50 per day
Bereavement Expenses (due to Accident)**   RM 2,500
Monthly Premium (inclusive SST)  
Insured only 11.00
Insured & Spouse 21.00
Family 37.00

*extended to cover hospitalisation in ICU due to Covid-19
**extended to cover death due to Covid-19
^applicable to Family Plan only

For a limited time, the daily hospital income and bereavement expenses benefits have been extended to cover Covid-19 if the purchase of the Accident Cover plan was made between 10 June 2020 and 17 July 2020. The coverages under this benefit has a seven (7) day waiting period (i.e. no Covid-19 benefit is payable within seven (7) days from the effective date of your coverage).

The Family Plan coverage will include your Spouse and all your dependent child(ren).

Your Spouse is entitled to all the same benefits and sum insured as you.

Your dependent child(ren) is entitled to 25% of the sum insured for Accidental Death and Disability benefits. Other benefits and sum insured remain the same as you.

Your coverage does not apply to any benefit arising directly or indirectly out of:

(i)   deliberate self-inflicted injury, suicide or, criminal or illegal act;

(ii)  You, Your Spouse and/or Your Dependent Child (as the case may be) being under the influence of intoxicating liquor, including having a blood alcohol content over the prescribed legal limit whilst driving, or being under the influence of any other drug unless it was prescribed by a Doctor and taken in accordance with the Doctor’s advice;

 (iii) You, Your Spouse and/or Your Dependent Child (as the case may be) engaging in any professional sports, meaning Your, Your Spouse and/or Your Dependent Child’s (as the case may be) livelihood is substantially dependent on income received as a result of You, Your Spouse and/or Your Dependent Child (as the case may be) playing sport;

 (iv) You, Your Spouse and/or Your Dependent Child (as the case may be) engaging in any motor sports as a rider, driver and/or a passenger;

 (v) Pre-Existing Medical Conditions;

 (vi) illness, disease, bacterial or viral infection, even if contracted by accident, other than bacterial infection that is the direct result of an accidental cut or wound or accidental food poisoning;

 The above are some of the key exclusions under the Accident Cover. Please refer to the full list of exclusions found in the policy wordings.

Accident Cover is a monthly renewable insurance plan.

The coverage shall start once the payment is deducted from your Grab Passenger e-wallet app. For Covid-19 coverage, there is a 7 days waiting period and the coverage is for 60 days only from the start of the insurance coverage period.

Yes, you can change your policies if you have bought them via the Grab Passenger application.

Yes, you will be covered 24 hours a day, anywhere in the world.

No, your coverage will be terminated once you attain the age of 71 years old.

No, it does not provide coverage for any expenses due to illnesses (except for the limited time coverage for hospitalization due to Covid-19 as mentioned in no. 2 above)

3. Claims

You must notify us of any claim within 30 days after the occurrence.

You must complete the claim form and attach with original receipts, any reports, and/or any documents that are required by us to assess the claim. 

You may download the nomination form from www.chubb.com/my and make a nomination by filling it up and submit them via email to A&HClaimsConnect.MY@chubb.com

Chubb shall remit the benefit amount directly to you except for accidental death benefit and bereavement benefit, where the benefit amount will be payable to your nominee, or if there is no such nominee, to the person that Chubb is required to pay under the law.

Depending on the type of benefit for which you have made a claim; if the claim was for Accidental Death or Permanent Disablement benefits, your policy will be terminated immediately upon payment of benefits. Other benefits are on per accident basis or reimbursement basis.

If your claim is payable under the policy, payment will be made within 14 working days, upon receipt of complete documentation and from the day the claim is approved.

You can submit your claim after the coverage is cancelled for accidents which occur during the period of insurance.

Accident Cover is underwritten by Chubb Insurance Malaysia Berhad, a general insurer licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.