GrabInsure – Critical Illness

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.

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.


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 table below. Standard coverage will expire 360 days from the date of issuance of your most recent policy.

Even if you stop driving, you will still be covered under the GrabInsure Critical Illness: Pay Per Trip insurance plan until your policy expires. 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 listed (except for angioplasty and other invasive treatment for coronary artery which will be 10% of the accumulated total effective coverage).

You will be covered for the following 37 severe stage critical illnesses:

IllnessAmount Covered
Major Cancers [1]Accumulated coverage
Heart Attack of Specified Severity [1]Accumulated coverage
StrokeAccumulated coverage
Coronary Artery By-pass Surgery [1]Accumulated coverage
Kidney FailureAccumulated coverage
Aplastic AnaemiaAccumulated coverage
End Stage Lung DiseaseAccumulated coverage
End Stage Liver FailureAccumulated coverage
ComaAccumulated coverage
Deafness (Loss of Hearing)Accumulated coverage
Heart Valve SurgeryAccumulated coverage
Loss of SpeechAccumulated coverage
Major BurnsAccumulated coverage
Major Organ/ Bone Marrow TransplantationAccumulated coverage
Multiple SclerosisAccumulated coverage
Muscular DystrophyAccumulated coverage
Parkinson’s DiseaseAccumulated coverage
Surgery to AortaAccumulated coverage
Alzheimer’s Disease/ Severe DementiaAccumulated coverage
Fulminant HepatitisAccumulated coverage
Motor Neurone DiseaseAccumulated coverage
Primary Pulmonary HypertensionAccumulated coverage
HIV Due to Blood Transfusion and Occupationally Acquired HIVAccumulated coverage
Benign Brain TumourAccumulated coverage
Viral EncephalitisAccumulated coverage
Bacterial MeningitisAccumulated coverage
Loss of Independent ExistenceAccumulated coverage
Blindness (Loss of Sight)Accumulated coverage
Major Head TraumaAccumulated coverage
Paralysis (Loss of Use of Limbs)Accumulated coverage
Terminal IllnessAccumulated coverage
Progressive SclerodermaAccumulated coverage
Apallic SyndromeAccumulated coverage
Systemic Lupus Erythematosus with Lupus NephritisAccumulated coverage
Other Serious Coronary Artery Disease [1]Accumulated coverage
PoliomyelitisAccumulated coverage
Angioplasty & Other Invasive Treatment For Coronary Artery [1]0.1 x Accumulated coverage (Based on GIA’s standard definitions)


1. Waiting period of 90 days is applicable

2. Refer to the Product Summary for definitions of all applicable severe stage critical illnesses, and when a claim can be made

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
  • If you are 76 years of age or above (calculated as of next birthday)
  • If you are terminated as a Grab driver-partner
  • If all your coverage lapses
  • If you pass on

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 and/or GrabTaxi 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 or request a snapshot of your coverage for a particular date right in your Grab Driver app.

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 be issued with new policies for every trip, when you resume driving. The policy will only be terminated if your accumulated coverage amount falls to $0.

This plan is only exclusively to Grab driver-partners. NTUC Income Insurance Co-operative Limited and GrabInsure Insurance Agency (S) Pte. Ltd. are currently developing a separate long-term health insurance to cover you if you decide not to drive anymore.

As this plan is only available to Grab driver-partners, you will be immediately removed from the plan and all your existing policies will be terminated without any premiums refunded.

No, you can only accumulate coverage by completing a trip.

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.

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 starting date of the first policy, for the following 5 critical illnesses: Major Cancers, 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 for the Critical Illness plan is calculated as age 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.

Got a question?

Contact NTUC Income Customer Service at +6567881777 (Mondays to Fridays, 8.30am – 6.30pm, excluding public holidays).

You can also call the Grab Customer Experience team at +6566550005

Important Notes

  • This is only a product information provided by us on behalf of NTUC Income Insurance Co-operative Limited (“NTUC Income”), and shall not constitute an advice of the suitability of such 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.
  • This insurance policy is underwritten by NTUC Income, and is distributed by GrabInsure Insurance Agency (S) Pte. Ltd. as the authorised agent. GrabCar Pte. Ltd. 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.
  • Upon your successful opt-in as an insured member under the Master Policy, the relevant Certificate of Insurance along with the Statement of Coverage shall be made available to you via Grab Driver App after you have completed each trip.
  • Protected up to specified limits by SDIC.