Critical illness protection with every trip you make


Stay protected against financial burden, even when critical illness strikes.

Why opt in to Critical Illness: Pay Per Trip


Affordable and Flexible

From S$0.30 to S$0.50 per trip, choose how much premium you’d like to pay with every trip.



It takes you less than a minute to get insured. Plus, you’re free to opt in or out at any time.


Extensive coverage

You’re protected for up to 360 days against 37 severe stage critical illnesses.

Coverage details

For each trip that you complete, you can choose to pay between S$0.30 to S$0.50 from your Cash Wallet for coverage against 37 severe stage critical illnesses. You’re covered for up to 360 days since your last completed trip.

No minimum number of trips per day is required. Deductions will stop once you reach the maximum coverage amount of S$200,000.

The list of severe stage critical illnesses include:

  • Major cancer
  • Heart attack of specified severity
  • Stroke with permanent neurological deficit

For the full list, please refer to the Product Summary.


Got questions? We’ve got answers.

For more questions, please visit our Help Centre.

  • My Cash Wallet has insufficient funds. Will premiums still be deducted?

    If your cash wallet is empty or insufficient after a trip, the premium will not be deducted and you will not be issued a policy after that particular trip.

  • Is there a free look period?

    No. GrabInsure Critical Illness: Pay Per Trip Insurance plan is a micro-insurance policy that accumulates coverage over time, so there will not be a free look period. However, you can opt in and out at any time.


  • What are the exclusions for this plan?

    There are some conditions under which the benefits will not be payable. The exclusions include:

    • When it is a case of fraud
    • You have a pre-existing health condition
    • Deliberate acts such as self-inflicted injuries, illnesses, or attempted suicide
    • Deliberate misuse of drugs or alcohol
    • You acquire immunodeficiency syndrome (AIDS), AIDS-related complex or become infected by the human immunodeficiency virus (HIV), except HIV due to blood transfusion and occupationally acquired HIV as shown in item 23 of Appendix 2 of the product summary

    Do note that refunds will not be issued for all scenarios of termination. Premiums will be refunded in the event of a successful claim and when policies are issued past your date of diagnosis.

    Please refer to the Product Summary to check if you’re eligible to be insured.

  • How long will it take for me to hit the maximum coverage?

    The number of trips needed to achieve the maximum coverage of $200,000 increases with age. As an example, if you selected the $0.50 premium option:

    • You’re around 33 years old and complete 10 trips per day, you will achieve the maximum coverage in about 6 weeks
    • You’re around 53 years old and complete 10 trips per day, you will achieve the maximum coverage in 47 weeks

    For more information on the premiums, please refer to the Premium Table.

  • How do I make a claim?

    If you are diagnosed with one of the 37 critical illnesses listed, you must make a claim within 6 months from the date of diagnosis of the covered critical illness. You or your family members are entitled to make a claim if you survive for at least 7 days from the date of your diagnosis. If you pass away before 7 days have passed, your beneficiary cannot make a claim.

    You or your beneficiary can make a claim directly with Income via in just 4 simple steps.

    Income will pay out the claim via PayNow to the bank account linked to your National Registration Identity Card (NRIC) or your Foreign Identification Number (FIN). Income usually takes 14 working days to process your claim once all documents are received. However, more time may be required to process claims which require further clarification. For such cases, Income will keep you informed.

    If you have any questions regarding the claims process, please contact the Income hotline at +65 6788 1777.

  • How long do I have to wait for a claim?

    There’s a 90-day waiting period that begins from the cover start date of the first policy. This applies to these 5 critical illnesses:

    • Major Cancer,
    • Heart Attack of Specified Severity,
    • Coronary Artery By-pass Surgery,
    • Other Serious Coronary Artery Disease,
    • Angioplasty and
    • Other Invasive Treatment For Coronary Artery

    There’s no waiting period for all other critical illnesses.

    For definitions of all applicable critical illnesses and a claim can be made, please refer to the Product Summary.


A Simple and Affordable Pay Per Trip Insurance Plan

Get covered today

Get covered today

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Komsan Chiyadis

GrabFood delivery-partner, Thailand

Komsan Chiyadis

GrabFood delivery-partner, Thailand

COVID-19 has dealt an unprecedented blow to the tourism industry, affecting the livelihoods of millions of workers. One of them was Komsan, an assistant chef in a luxury hotel based in the Srinakarin area.

As the number of tourists at the hotel plunged, he decided to sign up as a GrabFood delivery-partner to earn an alternative income. Soon after, the hotel ceased operations.

Komsan has viewed this change through an optimistic lens, calling it the perfect opportunity for him to embark on a fresh journey after his previous job. Aside from GrabFood deliveries, he now also picks up GrabExpress jobs. It can get tiring, having to shuttle between different locations, but Komsan finds it exciting. And mostly, he’s glad to get his income back on track.