Out sick?
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Get paid even on days you’re out sick.


Grab launched Prolonged Medical Leave insurance for driver-partners on 16 January 2019. Eligible driver-partners under the Emerald Circle program are automatically covered for lost earnings due to illness and injuries.

The policy provides earnings replacement should you be hospitalized, or if you are unable to drive due to sickness or accident. This is a group insurance plan designed to help Grab driver-partners protect their livelihood.

    • Who is covered

  • Ruby, Sapphire and Diamond driver-partners under the Emerald Circle program.
    • Ruby tier

    • Sapphire tier

    • Diamond tier

    • How does it work

  • You enjoy coverage at all times, whether you’re driving or not. All you have to do is maintain your status on any of the eligible tiers of the Emerald Circle program.
  • WhatWhen can you make a claim?What’s needed to
    make a claim
    How long do we pay you for?
    Medical leaveFrom the sixth day onwards1. Valid Medical Certificate (MC)
    2. Doctor's Memo
    3. Claims Form
    Maximum 14 days
    Hospitalization leaveFrom the second day onwardsMaximum 60 days
    • How much you’ll be paid

  • Emerald Circle Benefits TierYour payout is based on a percentage of your average earnings in the past 90 daysMinimum daily payoutMaximum daily payout
    Ruby50% $30$200

Making a claim?

Type of claim*Documents requiredHow to submit your claim
Outpatient1. Valid MC
2. Doctor’s memo
3. Claims Form
Email: Scan the claims form and all documents to A&HClaims.SG@Chubb.com

Post: Chubb Insurance Singapore Limited at 138 Market Street #11-01 CapitaGreen Singapore 048946
Inpatient (Hospitalization)1. Valid MC
2. Inpatient discharge summary, or medical report
3. Claims Form

*You may need to submit additional documents upon request:

– Reports that have been obtained from the police or other authorities in regards to a road traffic accident (if applicable)

– Any other documentary evidence required by Chubb under the Prolonged Medical Insurance program.


If you are a Ruby, Sapphire or Diamond partner driver under Grab’s Emerald Circle program, you are automatically covered.

It doesn’t cost you a cent to be covered. Grab is providing the premium for eligible drivers.

No problem. You can claim under the Prolonged Medical Leave insurance program, in addition to benefits you may be entitled to in other policies.

Yes, you are covered 24 hours a day, worldwide.

You are covered at all times whether you’re driving or not, as long as you are a Ruby, Sapphire or Diamond partner driver under Grab’s Emerald Circle program.

No, this program is exclusively for Grab driver-partners only.

Yes, it covers you for all accidental injuries and illnesses, except for pre-existing medical conditions.

It’s a note written and signed by a doctor whom you’ve consulted for your injury or illness. The memo contains his diagnosis of your condition and it must be written by the same doctor who issued you the MC.

Any condition for which a doctor was consulted for, or for which treatment or medication was prescribed within 12 months preceding.

You can claim for a related illness or injury that ensues from the original illness or injury. The MCs must be consecutive and can be issued by different physicians. Each MC must be accompanied by a doctor’s memo.

Example of a related illness:
A Grab driver-partner has a 2-day MC for flu. His symptoms have worsened on day 3 and complains of headaches and a sharp pain in his right ear. He returns to consult his doctor. The doctor diagnoses him with an ear infection and issues him a 4-day MC. The ear infection is a related illness arising from flu.

At the moment, only Grab driver-partners are covered. Your coverage limit is dependent on your Emerald Circle tier status, which is subject to change at the beginning of every quarter. In the near future, you’ll be able to top up your coverage on a voluntary basis. More details will be available in due course.

We are working on an exclusively priced product for Emerald tier driver-partners, which will be launched soon. Meanwhile, simply increase your driving frequency with Grab to qualify for the next tier (Ruby) on the Emerald Circle program to enjoy free Prolonged Medical Leave insurance.

For medical leave, simply produce a valid Medical Certificate (MC) after the first five days that you were ill and for hospitalization leave, after the first day.

Sure! The date of the medical leave accorded must be in consecutive days and arising from the same illness or injury. The MCs can be issued by different physicians.

Please contact Chubb’s Customer Service Hotline at 6299 0988 (Mondays to
Fridays, 9.00am – 5.00pm, excluding Public Holidays) or email A&HClaims.SG@Chubb.com.

A friendly Chubb representative will respond to your email in 48 hours.

Upon receiving your claim document, Chubb will do an assessment. It will take take about 10 working days for the payout, if no additional documents are required.

Chubb will make an Electronic Fund Transfer (EFT) to your bank account. Alternatively, you may choose to receive your payment by cheque.

Got a question?

    • Contact Chubb Customer Service at 6229 0988 (Mondays to Fridays, 9.00am – 5.00pm, excluding public holidays.