Critical Illness: Pay Per Trip

Financial cover for when you need it most

Affordable Critical Illness Insurance

When you work long hours to meet your financial goals, it’s easy to forget about getting the insurance needed to cover you in the event of the unexpected.

Make every trip you make count towards your protection. Critical Illness: Pay Per Trip provides you with coverage for 37 severe stage critical illnesses with premiums starting from just S$0.30/trip so that you can build your protection as you drive with Grab.

Limited-time offer

Now you can accelerate your Critical Illness coverage for less than the price of a plate of chicken rice.

Opt in now and receive bonus coverage of S$10,000 on your Critical Illness Plan upon completion of your 10th trip through the Grab Driver App.*

*Limited to new opt-ins between 11 Mar and 31 Jul 2022 only. Driver must make 10 trips with Critical Illness: Pay Per Trip within the first 7 days of opt in to enjoy bonus coverage. Policy and Promotion terms and conditions apply.

Get up to S$200,000 lump sum payout

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

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.

Premiums as low as S$0.30/trip

For each trip that you complete, you can choose between S$0.30 and S$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 S$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.


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).

To help you better understand how the plan works, please refer to the example below:

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.

The insurance plan will be terminated if:

  • 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 pass away

The insurance plan will be voided 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.

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; 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.

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

  • And you are 33 years old and complete 10 trips per day, you will achieve the maximum coverage in 6 weeks.
  • And you are 53 years old and complete 10 trips per day, you will achieve the maximum coverage in 47 weeks.

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

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

The insurance plan covers only the standard 37 severe stage critical illnesses. 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 S$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 S$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 S$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 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.

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.

If you are diagnosed with any of the 5 critical illnesses with an applicable waiting period, no benefits will be payable under the policy.

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 30th 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.

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.


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.