Drive Secure, Stay Covered:
Your Guide to Grab Partner Protection Plans
At Grab, your safety is our priority. Whether you are transporting passengers or making a delivery, we want you to drive with confidence knowing that you have a safety net.
Through GrabBenefits, we offer a comprehensive range of protection plans designed to support you—and in some cases, your family—while you are on the road and beyond.
In this article, we will be sharing examples of Grab partners’ eligibility for our various plans and breaking down the steps to claim from each plan, so you know what you can get covered for and how to make your claims!
Examples of Eligible Claims
Insurans Kemalangan RPG 24/7
Personal Accident Plus (PA+)
Grab Daily E-Hailing Insurance (GDI)
SOCSO SPS Gig
Ali, a GrabCar driver, accepts a booking and is driving to pick up a passenger.
While stopped at a traffic light, his car is struck by another vehicle.
Ali suffers a whiplash injury and requires immediate medical treatment.
Eligibility: Because Ali was “on-the-job” (which covers the period from accepting a booking until the job is completed), he is automatically covered by the Group Personal Accident plan.
Coverage: Ali can claim reimbursement for his medical expenses up to RM4,000. If he had a passenger in the car who was also injured, the passenger would also be covered under this policy.
Insurans Kemalangan RPG 24/7
Sarah is a GrabFood delivery partner who has completed more than 30 deliveries in the previous month with a low cancellation rate, qualifying her for the Platinum tier.
On her day off, she rides her motorcycle to the grocery store (she is offline on the Grab app). She skids on a wet road and injures her arm.
Eligibility: Since Sarah is offline, she cannot claim under the standard GPA plan. However, because she meets the eligibility criteria for Insurans Kemalangan RPG 24/7, she is covered for accidents that happen outside of working hours.
Coverage: As a Platinum tier partner, Sarah can claim medical expenses reimbursement up to RM2,000. If she required an ambulance, she could also claim an ambulance allowance of RM500.
Personal Accident Plus (PA+)
Ravi, a driver-partner, purchased the Personal Accident Plus upgrade for himself and his wife (Plan: Main Insured + Spouse) for a small monthly fee.
While on a family holiday in Thailand, Ravi trips on a hike and fractures his ankle.
Eligibility: This plan provides 24/7 worldwide protection, meaning Ravi is covered regardless of whether he is working or where he is located.
Coverage: Ravi can claim for his medical treatment expenses incurred during the trip. Had his wife been the one injured, she would also have been eligible to claim medical reimbursements up to RM5,000 or compensation for disability up to RM300,000, depending on the severity.
Grab Daily E-Hailing Insurance (GDI)
Lim, a driver-partner, is transporting a passenger to their destination.
While changing lanes, another vehicle accidentally sideswipes his vehicle, causing damage to both his car and the other driver’s door.
Eligibility: Standard private car insurance often does not cover accidents that occur while the vehicle is being used for commercial e-hailing purposes. Lim relies on the Grab Daily E-Hailing Insurance which activates the moment he goes online.
Coverage: This insurance covers the third-party liability (the damage to the other person’s car) and the loss or damage to Lim’s own car, ensuring he isn’t left paying for these expensive repairs out of pocket.
SOCSO SPS Gig
Hafiz, a full-time delivery partner, is involved in a serious accident while delivering an order.
He fractures his leg and is advised by a doctor to rest for six weeks, meaning he cannot work or earn income during this recovery period.
Eligibility: Because the injury occurred during “work-related activities,” and he had already self-enrolled into the scheme prior to the accident, Hafiz is eligible for the SOCSO SPS scheme. This scheme is designed specifically to protect self-employed individuals against employment injuries.
Coverage: SOCSO offers a broader safety net, allowing Hafiz to claim:
- Medical Benefits: For his treatment and clinic visits.
- Temporary Disablement Benefit: This provides financial support (similar to medical leave) for the duration he is certified unfit to work by a doctor.
- Rehabilitation: If he needs physiotherapy to get back on his bike, the scheme includes physical or vocational rehabilitation.
Steps to Claim
For: All Driver and Delivery-Partners (On-the-job accidents).
- Medical Attention: Go to the nearest hospital or healthcare centre immediately.
- Reports: Lodge a police report and report the accident to Grab Support. You will receive detailed instructions from the Grab Support team.
- Forms: Download and fill in the Personal Accident Claim Form available on the Grab Help Centre.
- Submission: Submit the form along with necessary documents (medical reports, receipts) via the Help Centre. This must be done no later than 30 days after the accident.
For: Eligible Delivery-Partners (Off-the-job accidents).
Note: This plan has very specific documentation requirements regarding your eligibility tier.
- Immediate Action: Once the accident occurs, you must lodge a police report within 24 hours.
- Grab Report: Lodge a report in the Grab Help Centre.
- Prepare Documents: You must compile the following specific items:
- The Chubb Personal Accident Claim Form.
- A screenshot of your GrabBenefits Tier.
- The Booking ID from the time of the accident.
- Processing: Submit these documents to process the claim and receive payment.
For: Grab Partners (and families) who purchased this upgrade.
- Get the Form: Download the specific Personal Accident Claim Form.
- Documentation: Refer to the “Document Checklists” provided in the Claim FAQ to ensure you have all necessary proofs of treatment and incident.
- Submission: Submit the completed form and documents. Like the other plans, this is underwritten by Chubb and follows a pay and claim model.
For: Driver-Partners (Vehicle and third-party liability).
- Method: This insurance operates on a pay and claim basis.
- Process: Specific coverage details and claim procedures are handled by your selected Grab panel insurer. You should refer to the specific insurer you selected within the app for their precise claim forms and submission portals.
The SOCSO Self-Employment Social Security Scheme (SPS) provides comprehensive protection for individuals against self-employment injuries during work-related activities. This coverage includes medical benefits, temporary and permanent disablement benefits, and rehabilitation.
In the unfortunate event of an accident, we have streamlined the process to help you get support quickly:
- Seek Medical Attention: Go to the nearest hospital immediately.
- Report It: Make a police report and contact Grab Support.
- Submit Documents: Submit your claim forms and necessary documents (such as medical reports and receipts) to your nearest SOCSO office.
For more details about each of the protection plans offered to you as a Grab partner, click here.
Staying Safe On & Off the Road
Protection plans are not just a safety net; they’re a vital tool for financial security and peace of mind. However, its true value lies in knowing how to effectively make claims when the unexpected happens.
Whether you are utilising free automatic coverage like the Group Personal Accident plan or have opted for 24/7 worldwide protection for your family through Personal Accident Plus, these benefits provide the necessary coverage in various cases of emergencies.
Road safety cannot be overlooked, especially for driver-partners & delivery-partners that spend a lot of their time on the road. Click here to see some tips & tricks on road safety, from your fellow Grab partners!
Kindly be reminded that all members of the Grab community are required to follow the Code of Conduct and Terms of Services.
Memandu dengan Selamat, Sentiasa Dilindungi:
Panduan Pelan Perlindungan Rakan Grab
Di Grab, keselamatan anda adalah keutamaan kami. Sama ada anda sedang membawa penumpang atau melakukan penghantaran, kami mahu anda memandu dengan yakin kerana anda mempunyai jaring keselamatan.
Melalui GrabBenefits, kami menawarkan pelbagai pelan perlindungan komprehensif yang dirancang untuk menyokong anda—dan dalam sesetengah keadaan, keluarga anda—Sama ada anda berada di jalan raya atau tidak.
Dalam artikel ini, kami akan berkongsi contoh kelayakan Rakan Grab untuk pelbagai pelan kami serta memperincikan langkah-langkah untuk membuat tuntutan bagi setiap pelan. Dengan ini, anda dapat tahu bentuk perlindungan yang boleh diperolehi dan cara untuk membuat tuntutan anda!
Contoh-Contoh Tuntutan yang Layak
Insurans Kemalangan RPG 24/7
Personal Accident Plus (PA+)
Grab Daily E-Hailing Insurance (GDI)
PERKESO SPS Gig
Ali, seorang pemandu GrabCar, menerima satu tempahan dan sedang memandu untuk pick up penumpang.
Semasa berhenti di lampu isyarat, keretanya dilanggar oleh kenderaan lain. Ali mengalami kecederaan whiplash (kecederaan leher) dan memerlukan rawatan perubatan segera.
Kelayakan: Oleh kerana Ali sedang “bertugas” (merangkumi tempoh dari saat menerima tempahan sehingga tugasan selesai), dia secara automatik dilindungi di bawah pelan Group Personal Accident.
Perlindungan: Ali boleh menuntut bayaran balik untuk perbelanjaan perubatannya sehingga RM4,000. Jika terdapat penumpang di dalam kereta yang turut tercedera, penumpang tersebut juga akan dilindungi di bawah polisi ini.
Insurans Kemalangan RPG 24/7
Sarah ialah seorang rakan penghantar GrabFood yang telah melengkapkan lebih daripada 30 penghantaran pada bulan sebelumnya dengan kadar pembatalan yang rendah, sekaligus melayakkan beliau untuk peringkat Platinum.
Pada hari cutinya, dia menunggang motosikal ke kedai runcit (dia tidak mengaktifkan aplikasi Grab atau “offline”). Dia tergelincir di jalan yang basah dan mengalami kecederaan di bahagian lengan.
Kelayakan: Memandangkan Sarah sedang “offline”, dia tidak boleh membuat tuntutan di bawah pelan GPA biasa. Walau bagaimanapun, oleh kerana dia memenuhi kriteria kelayakan untuk Insurans Kemalangan RPG 24/7, dia dilindungi bagi kemalangan yang berlaku di luar waktu bekerja.
Perlindungan: Sebagai rakan peringkat Platinum, Sarah boleh menuntut bayaran balik perbelanjaan perubatan sehingga RM2,000. Jika dia memerlukan ambulans, dia juga boleh menuntut elaun ambulans sebanyak RM500.
Personal Accident Plus (PA+)
Ravi, seorang rakan pemandu, telah membeli peningkatan pelan Personal Accident Plus untuk dirinya dan isterinya (Pelan: Individu + Pasangan) dengan bayaran bulanan yang kecil.
Semasa sedang bercuti bersama keluarga di Thailand, Ravi terjatuh ketika mendaki dan mengalami patah buku lali.
Kelayakan: Pelan ini memberikan perlindungan 24/7 di seluruh dunia, bermakna Ravi dilindungi tanpa mengira sama ada dia sedang bekerja atau di mana sahaja dia berada.
Perlindungan: Ravi boleh menuntut perbelanjaan rawatan perubatan yang ditanggung sepanjang perjalanan tersebut. Sekiranya isterinya yang mengalami kecederaan, beliau juga layak untuk menuntut bayaran balik perubatan sehingga RM5,000 atau pampasan untuk hilang upaya sehingga RM300,000, bergantung kepada tahap keseriusan kecederaan.
Grab Daily E-Hailing Insurance (GDI)
Lim, seorang rakan pemandu, sedang menghantar seorang penumpang ke destinasi mereka.
Semasa menukar lorong, sebuah kenderaan lain melanggar sisi kenderaannya secara tidak sengaja, mengakibatkan kerosakan pada keretanya dan juga pintu pemandu kenderaan tersebut.
Kelayakan: Insurans kereta persendirian biasa biasanya tidak melindungi kemalangan yang berlaku semasa kenderaan digunakan untuk tujuan e-hailing komersial. Lim bergantung kepada Insurans E-Hailing Harian Grab yang diaktifkan sebaik sahaja dia mula “online”.
Perlindungan: Insurans ini melindungi liabiliti pihak ketiga (kerosakan pada kereta orang lain) serta kerugian atau kerosakan pada kereta Lim sendiri, memastikan dia tidak perlu menanggung kos pembaikan yang mahal dengan wang poket sendiri.
PERKESO SPS Gig
Hafiz, seorang rakan penghantar sepenuh masa, terlibat dalam kemalangan serius semasa sedang menghantar pesanan.
Beliau mengalami patah kaki dan dinasihatkan oleh doktor untuk berehat selama enam minggu, dan beliau tidak dapat bekerja atau menjana pendapatan sepanjang tempoh pemulihan ini.
Kelayakan: Oleh kerana kecederaan berlaku semasa “aktiviti berkaitan kerja,” dan beliau telah mendaftar sendiri ke dalam skim SKSPS PERKESO (Skim Keselamatan Sosial Pekerjaan Sendiri) sebelum kemalangan, Hafiz layak untuk skim tersebut. Skim ini dirancang khas untuk melindungi individu yang bekerja sendiri daripada kecederaan berkaitan pekerjaan.
Perlindungan: PERKESO menawarkan jaring keselamatan yang lebih luas, membolehkan Hafiz menuntut:
- Faedah Perubatan: Untuk rawatan dan lawatan klinik.
- Faedah Hilang Upaya Sementara: Ini memberikan sokongan kewangan (sama seperti cuti sakit/MC) sepanjang tempoh disahkan tidak layak bekerja oleh doktor.
- Pemulihan: Jika memerlukan fisioterapi untuk kembali menunggang motosikal, skim ini merangkumi pemulihan fizikal atau vokasional.
Langkah-Langkah Membuat Tuntutan
Kelayakan: Semua Rakan Pemandu dan Penghantar (Kemalangan semasa bertugas).
- Rawatan Perubatan: Pergi ke hospital atau pusat kesihatan terdekat dengan segera.
- Laporan: Buat laporan polis dan laporkan kemalangan tersebut kepada Grab Support. Anda akan menerima arahan terperinci daripada pasukan kami.
- Borang: Muat turun dan isi Borang Tuntutan Kemalangan Peribadi yang boleh didapati di Pusat Bantuan Grab.
- Penghantaran: Serahkan borang bersama dokumen yang diperlukan (laporan perubatan, resit) melalui Pusat Bantuan. Ini mesti dilakukan tidak lewat daripada 30 hari selepas kemalangan berlaku.
Kelayakan: Rakan Penghantar yang layak (Kemalangan di luar waktu bekerja).
Nota: Pelan ini mempunyai keperluan dokumentasi yang sangat khusus mengenai peringkat kelayakan anda.
- Tindakan Segera: Sebaik sahaja kemalangan berlaku, anda mesti membuat laporan polis dalam tempoh 24 jam.
- Laporan Grab: Buat laporan di Pusat Bantuan Grab.
- Sediakan Dokumen: Anda mesti mengumpulkan item khusus berikut:
- Borang Tuntutan Kemalangan Peribadi Chubb.
- Tangkapan skrin (screenshot) Peringkat GrabBenefits anda.
- ID Tempahan semasa waktu kemalangan berlaku.
- Pemprosesan: Serahkan dokumen-dokumen ini untuk memproses tuntutan dan menerima bayaran.
Kelayakan: Rakan Grab (dan keluarga) yang telah membeli peningkatan (upgrade) ini.
- Dapatkan Borang: Muat turun Borang Tuntutan Kemalangan Peribadi yang khusus.
- Dokumentasi: Rujuk “Senarai Semak Dokumen” yang disediakan dalam Soalan Lazim (FAQ) Tuntutan untuk memastikan anda mempunyai semua bukti rawatan dan insiden yang diperlukan.
- Penghantaran: Serahkan borang dan dokumen yang lengkap. Seperti pelan lain, pelan ini ditaja jamin oleh Chubb dan mengikut model “bayar dan tuntut” (pay and claim).
Kelayakan: Rakan Pemandu (Kenderaan dan liabiliti pihak ketiga).
- Kaedah: Insurans ini beroperasi atas dasar “bayar dan tuntut”.
- Proses: Butiran perlindungan khusus dan prosedur tuntutan dikendalikan oleh syarikat insurans panel Grab yang anda pilih. Anda harus merujuk kepada penanggung insurans khusus yang anda pilih dalam aplikasi untuk mendapatkan borang tuntutan dan portal penghantaran mereka yang tepat.
Skim Keselamatan Sosial Pekerjaan Sendiri (SKSPS) PERKESO memberikan perlindungan komprehensif bagi individu terhadap kecederaan pekerjaan semasa melakukan aktiviti berkaitan kerja. Perlindungan ini termasuk faedah perubatan, faedah hilang upaya sementara dan kekal, serta pemulihan.
Sekiranya berlaku kemalangan, kami telah memudahkan proses untuk membantu anda mendapatkan sokongan dengan cepat:
- Dapatkan Rawatan Perubatan: Pergi ke hospital terdekat dengan segera.
- Laporan: Buat laporan polis dan hubungi Sokongan Grab.
- Serah Dokumen: Serahkan borang tuntutan dan dokumen yang diperlukan (seperti laporan perubatan dan resit) ke pejabat PERKESO terdekat.
Klik di sini untuk maklumat lanjut tentang pelan perlindungan rakan Grab.
Kekal Selamat Di Mana Jua Anda Berada
Pelan perlindungan bukan sekadar jaring keselamatan; ia adalah alat penting untuk jaminan kewangan dan ketenangan fikiran. Walau bagaimanapun, nilai sebenarnya terletak pada pengetahuan anda tentang cara membuat tuntutan secara berkesan apabila perkara yang tidak dijangka berlaku.
Sama ada anda menggunakan perlindungan automatik percuma seperti pelan Group Personal Accident atau telah memilih perlindungan 24/7 di seluruh dunia untuk keluarga anda melalui Personal Accident Plus, manfaat ini menyediakan perlindungan yang diperlukan dalam pelbagai situasi kecemasan.
Keselamatan jalan raya tidak boleh dilupai, terutamanya bagi rakan pemandu & rakan penghantar yang meluangkan banyak masa di jalan raya. Klik di sini untuk melihat beberapa tip & trik mengenai keselamatan jalan raya daripada rakan-rakan Grab anda!
Sila harap maklum bahawa semua ahli komuniti Grab diwajibkan untuk mematuhi Kod Tatalaku dan Terma & Syarat Perkhidmatan.
Grab Malaysia
Forward Together
G-02 Ground Floor, Block A,
Axis Business Campus,
No 13A & 13B Jalan 225,
Section 51A, Petaling Jaya,
46100 Selangor.
Business Registration:
MyTeksi Sdn. Bhd. - 201101025619
GrabCar Sdn. Bhd. - 201401013360
About
Consumer
Quick Links
Enjoy 9% (RM8) Rebate at
AEON
- Valid from 15 Jan 2022 – 28 Feb 2022
- Minimum spend: RM88
- Limited to 62,500 redemptions
- TWO(2) redemptions per user throughout the campaign
1. Campaign period is from 15 January 2022 (12:00am) – 28 February 2022 (11.59pm).
2. GrabPay users are eligible for a “RM8 rebate” in your “My Rewards” when you spend a minimum of RM88 on a single receipt via GrabPay Wallet.
3. The offer of “RM8 rebate” is limited to a total of 62,500 redemptions throughout the campaign period.
4. Offer is valid for TWO (2) in-store redemptions with a cap of ONE(1) redemption per user per day throughout the campaign. Shared across AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness throughout the campaign period.
5. The “RM8 rebate” will be awarded instantly with a minimum transaction of RM88 with GrabPay at all outlets of AEON Co, AEON BiG, AEON MaxValu Prime, AEON Wellness; The rebate can be found under “My Rewards”. Rebate must be redeemed by clicking “use now” under “My Rewards” 30 days from the date of issuance.
6. The campaign will cease once all redemptions have been fully awarded or at the expiration of the campaign period, whichever is earlier.
7. Offer is based on a first come first served and while stocks last basis only.
8. Grab and AEON Group shall not be under any obligation to inform users, on any communication channels once the offer has been fully redeemed.
9. Offer is only available for AEON Co, AEON BiG, AEON MaxValu Prime, and AEON Wellness physical stores purchases at cashier counter only via GrabPay Wallet; offer is not applicable for online or GrabMart purchases.
10. Offer is not exchangeable for cash or replacements.
11. Offer is not valid with any other voucher, discount or promotion.
12. Grab and AEON Group reserve the right to alter, extend or terminate the promotion, or amend the terms and conditions at its sole discretion at any time without prior notice. In case of any disputes directly or indirectly arising from the promotion, the decision of Grab and AEON Group shall be final.
13. These terms and conditions shall be governed by the laws of Malaysia and any dispute arising out of or in connection with promotion shall be referred to the exclusive jurisdiction of courts of Malaysia.
14. This rebate is non-transferable to any party.