Because you are important to us, it is our top priority to ensure your peace of mind during your rides with Grab. This includes ensuring that you are protected from pick-up to drop-off in the event of an accident.
We work with our insurers to innovate new solutions, and importantly, choose only the most reliable and relevant insurance products that fit your needs.
Grab is proud to provide the Group Personal Accident insurance for all GrabCar rides. It is the first of its kind personal accident insurance for both drivers and passengers in the ridesharing industry, at zero deductible and no additional cost.
WHO IS COVERED UNDER THIS POLICY?
Insured Persons covered under this Policy are:
(a) As per insurer’s standard personal accident policy insuring against bodily injury caused solely and directly by accident which injury of any cause results in death or disablement with medical expense benefit of the insured member during Grab operating duration only.
(b) This Policy covers Grab Business Operations from the time Grab Driver accepts a Grab Passenger Booking up to the Job end recorded through the service booking system.
WHEN AND WHERE DOES THE COVER COMMENCE?
Whenever you are on a GrabCar booking, the Group Personal Accident insurance covers the trip in its entirety:
WHAT IS COVERED BY THIS POLICY?
Our personal insurance is designed to compensate the Insured Person(s) for bodily injuries arising from a GrabCar accident. There will be a reimbursement of the Insured Person for the following types of claims, up to the limits as specified in the Policy:
Accidental Death
An insured person sustains an injury during the covered trip that results in death.
Permanent Disablement
An insured person sustains an injury during the covered trip that results in a permanent disability. We will compensate based on the degree of impairment or disability, as set out by the policy regarding the relevant percentage for each part of the body.
Medical Expenses
An insured person sustains an injury during the covered trip that incurs expenses for medical treatment. We will reimburse the insured person for any such medical expenses for treatment within 30 days of the Accident and up to the maximum of a further 30 days (from the date of that first treatment) for follow-up treatment, up to the limit specified by the insurance policy.
Notes:
If the Insured Person becomes entitled to a reimbursement of all or part of the above claims from any other source, we will only be liable for the excess of the amount recoverable from such other source.
General exclusions apply, e.g. war, military service or operations, any willful or unlawful act, all complications arising from pregnancy-related or pre-existing medical conditions, the influence of alcohol or drugs, engaging in racing on wheels and dentistry.
HOW TO REPORT ACCIDENTS AND CLAIMS?
Please report any accident to our customer service and the police immediately if you are involved in an accident during a GrabCar trip. Our customer service are available 24/7 to respond to any issue. You may be required to answer several questions to ascertain the accident information.
TERMS OF APPLICATION:
Our customer service will be on hand to advise you about the claim process.
NOTICE AND PROOF OF CLAIM:
All accidents should be reported to the insurance firm by submitting the claim report within the stipulated agreement period, no later than 30 days of the accident occurring.
All the relevant proof and documents necessary, such as the medical certificates, original final hospital/medical bills, medical reports (if any), police report/ accident report, proof of Grab booking, etc. must be submitted to the insurance firm.
Our insurance policy is available in all cities across the seven Southeast Asian countries in which we operate. Some countries may have specific local requirements that have been modified or additional terms of the insurance policy. Nevertheless, all policies are similarly structured in principle.
Suggestions or comments? Write to us at safety.my@grab.com – we look forward to hearing from you.
Last updated on 1 Jan 2018/ Brought to you by the Grab Safety Team