Complimentary Personal Accident Insurance

Please report the accident to our customer service via the Help Centre (Accident and Safety > I was involved in an accident).

You should also lodge a police report if anyone is injured from the accident. Our customer service team is available 24/7 to assist you. You’ll also be required to answer several questions (Who, What, When, Where, Why & How) to ascertain the details of the accident.

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.

Notes:
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.

No, you can only claim up to your incurred medical bills in total from all insurance policies. Our insurance policy will cover the in-excess of any local Motor Insurance Policy.

No, you can only claim for medical treatments received from a regulatory registered doctor.

If hospitalisation is not required, please make a report within 24 hours. Late claims will be handled on a case by case basis. If hospitalisation is required, please notify Grab as early as you are medically able to do so.