Protection: GoalBetter by Gojek

GoalBetter by Gojek Fuel Protection Healthcare Experience Deals

We’re here to help you prepare for all the unexpected that may happen. Here’s how our partnerships with Gigacover, Marsh, and AIG will have you sheltered through the rainy days.

How you’re protected

GoalBetter’s protection includes coverage plans from Gigacover’s Freelancer Earnings Protection (FLEP) and free accident coverage powered by Marsh and underwritten by AIG.

Daily earnings, covered with FLEP

$80/day payouts – For up to 14 days of outpatient medical & 60 days of hospitalization leave
Free coverage – For driver-partners in Pro & Elite tiers
Subsidized monthly premiums – Driver-partners in Classic & Premium tiers pay as little as $25

Safety on your rides

Automatic qualification – All Gojek driver-partners qualify for free on-trip insurance coverage powered by Marsh and underwritten by AIG
Medical expenses of up to $1,000 – Your medical expenses reimbursed, in case of accidents resulting in injuries that require medical treatment
Permanent disability & accidental death coverage – You’ll receive a lump sum of S$15,000 in case of accidents resulting in permanent disability or accidental death

FLEP: how it works

Purchase a policy

Enjoy the following subsidized premiums as driver-partners on Classic and Premium GoalBetter tiers:

For example, if you’re 54 years old, you’d have to pay $34.10 monthly to enjoy $80/day payouts for valid hospitalisations and MCs.

Be in our Pro and Elite tiers

Pro and Elite tier members enjoy fully-paid premiums. If you’re not in these tiers, accumulate 1,400 trips within the current program period

Or purchase a policy

As driver-partners on Classic and Premium GoalBetter tiers, you get to enjoy /day payouts for valid hospitalizations and MCs. Subsidized premiums start from just $25. All you need to do is get a quote and purchase your FLEP policy here

Claiming for sick leave

Free on-trip accident coverage: how to claim

Need to make a claim under the free on-trip insurance coverage powered by Marsh and underwritten by AIG? Here’s how to do it:

FAQs

(FLEP) When can I make a claim?

The earlier, the better – make a claim as soon as you receive your MC, and no later than 30 days from it.

(FLEP) Can I claim my medical bills?

No, you cannot. FLEP simply covers your loss of earnings with an $80/day payout.

(FLEP) Are there exceptions to what can be claimed?

FLEP covers you if you have a valid MC caused by an illness, accident at work, accident outside of work, and necessary medical procedures. Some exclusions do apply, including hospitalization or medical leave caused by:

Pre-existing conditions
Congenital conditions
Pregnancy, childbirth, abortion, miscarriage, or any complications thereof
Wisdom tooth extraction
Mental and nervous disorders
Intoxication or breaking the law

(FLEP) Where will I receive the payout?

Gigacover will automatically attempt to complete your payouts via PayNow. If you do not have a bank account tied to PayNow, Gigacover will contact you to collect your bank details.

(FLEP) Who is the insurer for Gigacover’s FLEP?

The insurer for FLEP is Etiqa Insurance Pte Ltd, a fully regulated and authorised insurer, regulated by the Monetary Authority of Singapore (MAS). Etiqa Insurance is part of Maybank Group.

(FLEP) I have more questions. Who do I go to for help?

Drop an email at hey@gigacover.com

(On-trip insurance) Is there a deadline for a claim submission?

Claims related to an accident whilst on a trip should be submitted through email no later than 30 days after the accident.

(On-trip insurance) How long does it take to process the claim?

Upon submission, your claim will be reviewed by AIG. If you submitted all the required information/documents and your claim has been approved by AIG, you will be reimbursed within the following estimated timelines:

15–30 working days for medical expenses (if all documents are provided)
90 working days on average for claims in cases of fatality

(On-trip insurance) How do I know the status of my claim submission?

All details will be included in the email reply from AIG, so make sure to check your email inbox regularly. Alternatively, you may email Claims.SGGojek@marsh.com to enquire on the status of your claim submission.

Note that all claims are reviewed based on Policy Terms and Conditions. Please refer to the policy schedule and policy wording for full benefits, terms and conditions.