What is the scope of coverage for the Grab Driver, and Passengers?
Regionally, coverage shall begin from the moment the Grab Driver accepts a Grab Passenger booking up to the end of the booking as recorded through the Policyholder's service booking system, or when the Grab Passenger has alighted from the Grab private vehicle and shut the Grab Car door, whichever occurs last.
What is covered by the policy?
Our personal insurance is designed to compensate the Insured Person(s) for bodily injuries arising from a GrabCar 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:
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 GrabCar rides. It is the first of its kind personal accident insurance for both drivers and passengers in the ridesharing industry, at zero deductible and no additional cost.
Who is/are covered under the policy?
Insured Persons covered under this Policy are:
(a) Eligible drivers who are registered with GrabCar
(b) Passenger(s) on board with a valid GrabCar booking.
An insured person sustains an injury during the covered trip that results in death.
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.
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.
When must I report the accident to Grab?
Within 24 hours if hospitalisation is not required. Late claims will be handled on a case by case basis.
If hospitalisation is required, please notify Grab as early as you are medically fit to do so.
How to report accidents and claims?
Please report any accident to our customer service and the police immediately if you are involved in an accident during a GrabCar trip. Our customer service is available 24/7 to respond to any issue. You may be required to answer several questions to ascertain the accident information.
Write in to Grab to report on your accident and the appropriate department will guide you through the post-accident process.
Terms of Application:
Our customer service will be on hand to advise you about the claim process.
Notice and Proof Of Claim:
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.
I booked a Grab ride for my friend but did not take the ride myself. Will my friend still be covered by the insurance?
Yes, as this is an unnamed policy, as long as we can establish that the passenger riding the car at the time of the accident was the intended one, he/she will be covered.
Is there insurance coverage for Grab rides overseas?
The geographical scope of cover is restricted to the country of Grab operation only.
Is there insurance coverage for medical treatment that was done outside of Grab operation areas?
Yes, up to the policy limit
Can I claim my medical cost from my personal insurance and Grab insurance at the same time?
No. You can only claim up to your incurred medical bills in total from all insurance policies.
This insurance policy will cover in-excess of any local Motor Insurance Policy
Can I claim for medical treatment from a medical practitioner or chiropractor instead of a general practitioner?
No. You are required to seek medical treatment with a regulatory registered doctor
Suggestions or comments? Write to us at firstname.lastname@example.org – we look forward to hearing from you.