Get paid even on days you’re out sick.
Get up to $30 worth of FairPrice On vouchers when you sign up
for Prolonged Medical Leave Plus by 16 Sep 2019!
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.
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.
What When can you make a claim? What’s needed to
make a claim
How long do we pay you for? Medical leave From the sixth day onwards 1. Valid Medical Certificate (MC)
2. Doctor's Memo
3. Claims Form
Maximum 14 days* Hospitalization leave From the second day onwards Maximum 60 days*
How much you’ll be paid
Emerald Circle Benefits Tier Your payout is based on a percentage of your average earnings in the past 90 days Minimum daily payout Maximum daily payout Ruby 50% $30 $200 Sapphire 70% Diamond 85%
*Total annual payout is capped at 60 days for Medical Leave and Hospitalization Leave combined.
|Type of claim||*Documents required||How to submit your claim|
|Outpatient||1. Valid MC|
2. Doctor’s memo
3. Claims Form
|Email: Scan the claims form and all documents to
Post: Chubb Insurance Singapore Limited at 138 Market Street #11-01 CapitaGreen Singapore 048946
|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.
Want extra protection?
Sign up by 16 Sep and receive up to $30 worth of FairPrice On vouchers!
You will receive three $10 FairPrice On vouchers after each successful payment across three months.
No problem! With Prolonged Medical Leave Plus, you can now protect your freelance earnings at very affordable premiums when you’re out sick or injured.
This product is designed for you to add on to the free Group Prolonged Medical Leave insurance that Grab is already providing to all driver-partners except for those in the Emerald tier.
By adding on Prolonged Medical Leave Plus insurance, you are enhancing protection for all of your earnings from Grab and other sources.
There are four plans to choose from based on your age band and estimated daily earnings.
|Age band (Years)||Monthly Premium|
|18 - 30||$11||$14||$21||$28|
|31 - 40||$12||$15||$22.50||$30|
|41 - 45||$17||$21||$31.50||$42|
|46 - 50||$17||$21||$31.50||$42|
|51 - 55||$24||$30||$45||$60|
|56 - 60||$24||$30||$45||$60|
What’s cool is that Prolonged Medical Leave Plus works in the same way as the free Prolonged Medical Leave insurance that you already enjoy!
How to choose a plan
- Step 1: Estimate your average daily earnings for the last 90 days driving with Grab, plus earnings you make from other freelancing jobs.
- Step 2: Select the plan that suits you.
- Step 3: Buy conveniently from your drivers app.
Promotion Terms and Conditions
1. This promotion is valid from 17 Jun 2019 to 16 Sept 2019.
2. To be eligible for this promotion:
a. you must not have bought Prolonged Medical Leave Plus plan in the past;
b. your application and insurance premium payment must be accepted by GrabInsure & Chubb during the promotion period; and
c. you must not cancel your policy within the promotion period
3. $10 e-voucher will be given at the start of the 1st month, 2nd month, and 3rd month after successful payment and enrolment.
4. The e-voucher will be mailed to the email address you provided at enrolment.
5. The e-voucher is non-exchangeable and non-refundable for cash or credit.
6. Chubb Insurance Singapore Limited (Chubb) reserves the right to terminate or amend the promotion or vary, delete or add to any of these terms and conditions from time to time without notice.
Am I covered by Prolonged Medical Leave insurance?
If you are a Ruby, Sapphire or Diamond partner driver under Grab’s Emerald Circle program, you are automatically covered.
What premium must I pay?
It doesn’t cost you a cent to be covered. Grab is providing the premium for eligible drivers.
What happens if I have existing accident coverage?
No problem. You can claim under the Prolonged Medical Leave insurance program, in addition to benefits you may be entitled to in other policies.
Am I covered out of Singapore?
Yes, you are covered 24 hours a day, worldwide.
Does the policy only cover me when I am driving?
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.
Will my coverage still be valid if I am no longer a Grab driver-partner?
No, this program is exclusively for Grab driver-partners only.
Does this policy cover me for illnesses?
Yes, it covers you for all accidental injuries and illnesses, except for pre-existing medical conditions.
What’s a doctor’s memo?
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.
What do you mean by a pre-existing medical condition?
Any condition for which a doctor was consulted for, or for which treatment or medication was prescribed within 12 months preceding.
Can I claim for an illness or injury that is related to my original illness or injury?
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.
I’m on the Emerald tier and am not covered by Prolonged Medical Leave insurance. How do I get coverage?
As a driver-partner on the Emerald tier, you can now protect your earnings by buying Prolonged Medical Leave Plus at affordable premiums. To choose a plan, simply estimate your average daily earnings as a Grab driver-partner in the last 90 days, and add on earnings from other freelance jobs.
When can I make a claim?
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.
Can I submit multiple MCs?
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.
How do I get help to file a claim?
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.
How long does it take for me to receive the payout?
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.
How will I be paid?
Chubb will make an Electronic Fund Transfer (EFT) to your bank account. Alternatively, you may choose to receive your payment by cheque.
Can I increase my coverage limit?
Your coverage limit is dependent on your Emerald Circle tier status, which is subject to change at the beginning of every quarter. If you’d like to increase your coverage, you may like to consider signing up for Prolonged Medical Leave Plus. This is a voluntary product that you can buy to add on to the free Prolonged Medical Leave insurance provided by Grab.
Prolonged Medical Leave Plus complements Prolonged Medical Leave, a group policy, by covering the remaining portion of your Grab earnings plus earnings from other freelance jobs.
If you are a driver-partner on the emerald tier of the Emerald Circle program and aren’t currently enjoying free Prolonged Medical Leave insurance, simply buy Prolonged Medical Leave Plus at highly affordable premiums to enjoy peace of mind.
Who can buy Prolonged Medical Leave Plus insurance?
All Grab driver partners holding a Private Hire Car Driver’s Vocational License license are eligible
What premium must I pay?
Premiums are dependent on age band and coverage amounts. You can view your premiums in the table above.
What happens if I am already covered by Prolonged Medical Leave insurance provided free by Grab?
Prolonged Medical Leave Plus complements the group policy by covering the remaining portion of your Grab earnings and any other freelance income.
Does Prolonged Medical Leave Plus cover me for illnesses?
Yes, it covers you for all accidents and sicknesses, except for pre-existing medical conditions.
Prolonged Medical Leave Plus is distributed by GrabInsure Insurance Agency (S) Pte. Ltd, a wholly-owned subsidiary with the Grab Group of companies.