Ride With Confidence

Overview Of Grab’s Personal Accident Insurance

Because you are important to us, it is our top priority to ensure your peace of mind during your rides with Grab. This includes ensuring that you are protected from pick-up to drop-off in the event of an accident.

We work with our insurers to innovate new solutions, and importantly, choose only the most reliable and relevant insurance products that fit your needs.


Grab is proud to provide the Group Personal Accident insurance for all Private Hire (PHV) rides, driver-partners and delivery-partners . It is the first of its kind personal accident insurance for both drivers and passengers in the ride sharing industry, at no additional cost.

Grab’s Group Personal Accident Insurance is also extended to paying GrabHitch riders in Singapore.

With effect from 18 January 2021,
Grab will be enhancing the PHV driver and passenger coverage (excluding GrabHitch) to USD20,000 per ride and will also double the medical expenses claim cap from USD500 to USD1,000.

Claims CategoryCurrent CoverageEnhanced Coverage
(from 18 Jan 2021 onwards)
Accidental Death / Permanent DisablementUSD10,000USD20,000
Medical expenses reimbursementUSD500USD1,000


Insured Persons covered under this Policy are:
(a) Eligible PHV drivers who are registered with Grab.

(b) Eligible Grab delivery-partners

(c) Passenger(s) on board with a valid GrabCar booking.


Whenever you are on a PHV booking,the Group Personal Accident insurance covers the trip in its entirety:


As a Grab driver-partner or delivery-partner, Group Personal Accident insurance covers you throughout the duration of your trip.


Our personal insurance is designed to compensate the Insured Person(s) for bodily injuries arising from an accident. There will be a reimbursement of the Insured Person for the following types of claims, up to the limits as specified in the Policy:

Accidental Death
An insured person sustains an injury during the covered trip that results in death.

Permanent Disablement
An insured person sustains an injury during the covered trip that results in a permanent disability. We will compensate based on the degree of impairment or disability, as set out by the policy regarding the relevant percentage for each part of the body.

Medical Expenses
An insured person sustains an injury during the covered trip that incurs expenses for medical treatment. We will reimburse the insured person for any such medical expenses for treatment within 30 days of the Accident and up to the maximum of a further 30 days (from the date of that first treatment) for follow-up treatment, up to the limit specified by the insurance policy.

If the Insured Person becomes entitled to a reimbursement of all or part of the above claims from any other source, we will only be liable for the excess of the amount recoverable from such other source.

General exclusions apply, e.g. war, military service or operations, any willful or unlawful act, all complications arising from pregnancy-related or pre-existing medical conditions, the influence of alcohol or drugs, engaging in racing on wheels and dentistry.


Please report any accident to our customer service and the police immediately if you are involved in an accident during a PHV trip. Our customer service are available 24/7 to respond to any issue. You may be required to answer several questions (Who,What,When,Where,Why & How) to ascertain the accident information.

Our customer service will be on hand to advise you about the claim process.

All accidents should be reported to the insurance firm by submitting the claim report within the stipulated agreement period, no later than 30 days of the accident occurring.

All the relevant proof and documents necessary, such as the medical certificates, original final hospital/medical bills, medical reports (if any), police report/ accident report, proof of Grab booking, etc. must be submitted to the insurance firm.

Our insurance policy is available in all cities across the seven Southeast Asian countries in which we operate. Some countries may have specific local requirements that have been modified or additional terms of the insurance policy. Nevertheless, all policies are similarly structured in principle.

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Please refer to the Grab Help Centre for more details.

Last updated on 18 Jan 2021/ Brought to you by the Grab Safety Team

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.