Critical illness protection with every trip you make

If your cash wallet is empty or insufficient after a trip, the premium will not be deducted and you will not be issued a policy after that particular trip.

No. GrabInsure Critical Illness: Pay Per Trip Insurance plan is a micro-insurance policy that accumulates coverage over time, so there will not be a free look period. However, you can opt in and out at any time.

There are some conditions under which the benefits will not be payable. The exclusions include:

• When it is a case of fraud
• You have a pre-existing health condition
• Deliberate acts such as self-inflicted injuries, illnesses, or attempted suicide
• Deliberate misuse of drugs or alcohol
• You acquire immunodeficiency syndrome (AIDS), AIDS-related complex or become infected by the human immunodeficiency virus (HIV), except HIV due to blood transfusion and occupationally acquired HIV as shown in item 23 of Appendix 2 of the product summary

Do note that refunds will not be issued for all scenarios of termination. Premiums will be refunded in the event of a successful claim and when policies are issued past your date of diagnosis.

Please refer to the Product Summary to check if you’re eligible to be insured.

The number of trips needed to achieve the maximum coverage of $200,000 increases with age. As an example, if you selected the $0.50 premium option:

• You’re around 33 years old and complete 10 trips per day, you will achieve the maximum coverage in about 6 weeks
• You’re around 53 years old and complete 10 trips per day, you will achieve the maximum coverage in 47 weeks

For more information on the premiums, please refer to the Premium Table.

If you are diagnosed with one of the 37 critical illnesses listed, you must make a claim within 6 months from the date of diagnosis of the covered critical illness. You or your family members are entitled to make a claim if you survive for at least 7 days from the date of your diagnosis. If you pass away before 7 days have passed, your beneficiary cannot make a claim.

You or your beneficiary can make a claim directly with Income via claims.digitalincome.com.sg/ci in just 4 simple steps.

Income will pay out the claim via PayNow to the bank account linked to your National Registration Identity Card (NRIC) or your Foreign Identification Number (FIN). Income usually takes 14 working days to process your claim once all documents are received. However, more time may be required to process claims which require further clarification. For such cases, Income will keep you informed.

If you have any questions regarding the claims process, please contact the Income hotline at +65 6788 1777.

There’s a 90-day waiting period that begins from the cover start date of the first policy. This applies to these 5 critical illnesses:

• Major Cancer,
• Heart Attack of Specified Severity,
• Coronary Artery By-pass Surgery,
• Other Serious Coronary Artery Disease,
• Angioplasty and
• Other Invasive Treatment For Coronary Artery

There’s no waiting period for all other critical illnesses.

For definitions of all applicable critical illnesses and a claim can be made, please refer to the Product Summary.