GrabInsure Critical Illness: Pay Per Trip Insurance Plan

Financial cover for when you need it most

Every trip you make should count towards your protection. Our GrabInsure Critical Illness: Pay Per Trip insurance plan gives Grab driver-partners coverage for 37 severe stage critical illnesses with the lowest premiums in Singapore.

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icon There’s a high level of uncertainty when driving for 10- 12 hours in a day, that’s why insurance is so important. icon

Riszal

Grab Driver since 2018

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icon Knowing that my family can manage their finances in case something happens to me puts me at great ease. icon

Muhammad Alifuddin

Grab Driver since 2013

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Premiums as low as $0.10/trip

For each trip that you complete, you can choose from $0.10 to $0.50 to be deducted from your Cash Wallet as payment for severe stage critical illness coverage.

There is no minimum trip requirement per day. Deductions will stop once you reach the maximum coverage amount of $200,000.

Easy to apply

Opt into the plan directly from your Grab Driver app and your chosen premium amount will automatically be deducted at the end of each trip.

360-day coverage

Have continuous coverage even if you take a break.

Our policy covers against 37 severe stage critical illnesses for up to 360 days since your last completed trip.

Get up to $200,000 lump sum payout

You stand to receive a lump sum payout of up to $200,000 if your condition falls under the 37 severe stage critical illnesses listed.

FAQs

With every trip you complete, GrabCar Pte Ltd will deduct a fixed premium amount of your choosing from your cash wallet, payable to NTUC Income Insurance Co-operative Limited. This will translate into a fixed amount of coverage based on the coverage table , and coverage will last for 360 days.

Even if you stop driving or delivering the next day, you will still be covered until your policy expires. Your coverage will expire 360 days from the date of issuance of your most recent policy.

If you make a claim, your payout will be the total effective coverage you have accumulated on the date of diagnosis for any of the covered 37 severe stage critical illnesses (except for angioplasty and other invasive treatment for coronary artery which will be 10% of the accumulated total effective coverage).

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

No. As this GrabInsure Critical Illness: Pay Per Trip insurance plan is a micro-insurance policy that accumulates over time, there will not be a free look period.

Some of the events of termination are:

  • GrabCar or NTUC Income ends the master policy
  • You are 76 years of age or above (calculated as of next birthday)
  • All your coverage lapses
  • After the full amount of the lump sum benefit under this policy has been paid
  • You die

Voidable policies: If you fill in the health declaration incorrectly and purchase this plan when you are actually ineligible.

Please refer to the Product Summary for more information.

Some of the exclusions for this plan are listed below:

  • 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; or
  • 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

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

There is no refund for all scenarios of termination. Premiums will be subjected to a refund only if a successful claim is made and if the policies issued have past the date of diagnosis.

This pay per trip insurance plan covers only 37 severe stage critical illnesses.

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

  • And you are around 33 years old and complete 10 trips per day, it will take you about 6 weeks
  • And you are around 53 years old and complete 10 trips per day, it will take about 47 weeks

GrabCar will stop deducting premiums once your coverage hits $200,000.

Premium deductions will resume when your coverage drops below $200,000.

No. If you have any pre-existing health conditions as stated in the health declaration, you will not be able to opt into this plan.

The policies you purchased will be voided and the premiums paid will be refunded by NTUC Income Insurance Co-operative Limited to you.

You can see a real time display of your coverage under My Policies in your Grab insurance page of your driver app or view a snapshot of your coverage for a particular date from the coverage breakdown calendar on your policy details page.

Yes, you can choose to opt-out of the plan at any time and your coverage will continue until your accumulated coverage amount falls to $0.

As long as your last policy was issued within 360 days, you will still be on the plan and your in force policy will continue until expiry. Your in force policy expires when your accumulated coverage amount falls to $0.

However, please note that you will not be eligible to opt in for any new policy for Critical Illness: Pay Per Trip insurance plan if you are no longer a Grab driver.

Critical Illness: Pay Per Trip insurance plan is available to all GrabCar, GrabTaxi, GrabFood and GrabExpress drivers so you will still be able to opt into the plan.

If you are already opted in, your premium deductions will continue to be deducted after every completed GrabFood or GrabExpress trip.

As this plan is only available to Grab drivers, you will not be able to opt in or purchase any new policy and your in force policy will be effective until its expiry.

Your in force policy expires when your accumulated coverage amount falls to $0.

No, you can only accumulate coverage by completing a trip and paying the appropriate premium.

You or your beneficiary can make a claim directly with NTUC Income via claims.digitalincome.com.sg/ci in just 4 simple steps.

All claims must be submitted within 6 months from the date of diagnosis of the covered critical illness. If you have any questions regarding the claims process, please contact the NTUC Income hotline for this GrabInsure Critical Illness: Pay Per Trip insurance plan: at +65 6788 1777.

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.

NTUC 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).

If NTUC Income is due to pay out your claim, any of the policies issued after the date of diagnosis will be voided and the premiums paid will be refunded. You are not allowed to make claims based on those policies and your payout will be the amount you accumulated up until the date of your diagnosis.

It’s the period of time specified which must pass before your health care coverage can begin. If any of the critical illnesses to which the waiting period is applicable is diagnosed during the waiting period, no benefits will be payable under the policy.

There is a waiting period of 90 days, calculated from the cover start date of the first policy, for the following 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.

For all other critical illnesses, there is no waiting period.

Please refer to the Product Summary for definitions of all applicable critical illnesses, and when a claim can be made.

The age and the coverage amount for the Critical Illness plan is calculated based on your age as of next birthday. Hence, your coverage will belong in the age band category of your next birthday.

For e.g. If you turn 30 years old in June, your coverage will automatically change to the 31-35 age band category after your birthday.

NTUC 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, NTUC Income will keep you informed.

COVID-19 FAQs

This Endorsement covers hospitalisation and death of any insured member, as a direct result of and solely due to the Coronavirus Disease-19 (COVID-19) and pays the following benefits:

CoveragePayout
Hospitalisation

Hospital cash benefit of $100/day up to 30 days from the date of diagnosis of COVID-19 by a registered medical practitioner in a Singapore restructured hospital.

This benefit is payable if the insured member is admitted and remains in a Singapore restructured hospital.

DeathSum assured of $20,000

Terms and Conditions

1. This Endorsement will be effective from 17 February 2020 to 31 May 2020 or up to the policy expiry date, whichever is earlier.

2. The benefits under this Endorsement are not payable if an insured member’s cover under the policy has ceased.

All insured members under the Critical Illness: Pay Per Trip plan will have their benefits automatically extended to include COVID-19 until 31 May 2020. You will be able to enjoy this added coverage at no additional cost.

You will not be eligible. The COVID-19 benefits is eligible for insured members who have an in force Critical Illness: Pay Per Trip policy and is diagnosed and hospitalised in Singapore due to COVID-19 between the period of 17 Feb 2020 to 31 May 2020, by a registered medical practitioner in a Singapore restructured hospital. 

Insured members who have opted out from Critical Illness: Pay Per Trip plan will still be eligible for the COVID-19 benefits if they have an in force Critical Illness: Pay Per Trip policy and is diagnosed and hospitalised in Singapore due to COVID-19 between the period of 17 Feb 2020 to 31 May 2020.

Yes you can. You will receive a lump sum payout from Driver Care protection if you are diagnosed with COVID-19. In addition you can still receive hospital cash or death benefit from this Critical Illness: Pay Per Trip’s COVID-19 Benefit.

Yes you can. For Prolonged Medical Leave Plus, the payout for hospital cash per day starts on 2nd day up to 60 days; COVID-19 Benefits for Critical Illness: Pay Per Trip starts from the 1st day and covers up to 30 days. 

Please submit your claim for the Daily Hospital Cash benefit within 30 days from the date of discharge from the hospital.

You or your family can submit a claim to NTUC Income by following a simple 4-step process on this website. If you have any questions regarding the claims process, please contact the NTUC Income hotline for Critical Illness: Pay Per Trip at +65 6788 1777.

With effect from 27 March 2020, the COVID-19 benefits extended to Critical Illness: Pay Per Trip Plan Master Policy of Insurance dated 15 July 2019 issued to GrabCar Pte. Ltd, shall not cover claims for loss or liability directly or indirectly caused by or arising from the following:

  1. Insured member who travels out of Singapore from (and inclusive of) 27 March 2020; and
  2. Insured member who fails to adhere to any travel advisory issued by any government authority.

All other terms and conditions of this Policy remain unchanged. 

Got a question?

Contact NTUC Income Customer Service at +65 6788 1777 (Mondays to Fridays, 8.30am – 6.30pm, excluding public holidays).

Important Notes

  • This material is provided by us on behalf of NTUC Income for your information only, and shall not constitute an advice of the suitability of the product. You should seek independent advice from a qualified advisor where in doubt. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.
  • Critical Illness: Pay Per Trip is underwritten by NTUC Income Insurance Co-operative Limited and distributed by GrabInsure Insurance Agency (S) Pte Ltd, as the authorised agent. GrabCar Pte Ltd a wholly-owned subsidiary with the Grab Group of Companies is the Master Policyholder of the Master Policy issued by NTUC Income for your benefit as the insured member. The precise terms, conditions and exclusions are specified in the Master Policy.
  •  If you have successful opt-in as an insured member through the Grab Driver App, the relevant Certificate of Insurance along with the Statement of Coverage shall be made available to you via the Grab Driver App after you have completed each trip booked through the Grab Driver App.
  •  Protected up to specified limits by SDIC.
  • Information is correct as of 29 March 2020.

Partner

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.