Our partnership with Gigacover lets you in on the most comprehensive prolonged medical leave insurance for driver-partners in Singapore: the Freelancer Earnings Protection (FLEP).

What does this mean for you?

Everything from ensuring that you get cash benefits when you’re ill, to healthcare for your family, too – read on!

Daily earnings, covered

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  • $80/day payouts – For up to 21 days of outpatient medical & 84 days of hospitalization leave
  • Free coverage – For driver-partners in Pro & Elite tiers
  • Subsidized monthly premiums – Pay as little as $22.40 to enjoy FLEP & subsidized healthcare rates

Your health, prioritized

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  • Subsidized medical consultation rates – Only $12–$13 at selected clinics islandwide, lower rates with TCM & dental clinics, as well as for medicine
  • Complimentary critical illness cover – Coverage of up to $1,000*
  • Complimentary annual health screening (Coming soon) – For obesity, hypertension, diabetes, &and high blood cholesterol

For your loved ones, too

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  • Health benefits for dependents – Up to 2 dependents for driver-partners in Classic & Premium tiers, & 4 for driver-partners in Pro & Elite tiers
  • – Your dependents enjoy the same subsidized consultation rates & medicine prices*
  • Complimentary annual health screening – Your dependents enjoy the same free annual screening for obesity, hypertension, diabetes, & high blood cholesterol

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.

Or be in our Pro and Elite tiers
If you’re not already in these tiers, accumulate 1,400 trips within the current program period to enjoy fully-paid premiums in the next program period!

Claiming for sick leave

Adding dependents

 

Enjoying subsidized medical rates

*Complimentary annual health screenings and critical illness coverage will come soon. Stay tuned!

FAQs

I have more questions related to subsidized consultation rates, onboarding dependents, and logging in. Who do I contact?

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Visit Gigacover’s FAQ page here. If you need more help, drop them an email at hey@gigacover.com

How can I purchase the policy?

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Driver-partners on Pro and Elite tiers don’t have to pay anything to enjoy this coverage – premiums will be fully paid for by Gojek, and you’ll receive your insurance documents automatically from Gigacover! Driver-partners on Classic and Premium GoalBetter tiers will be able to purchase this policy at highly subsidized rates.

When can I make a claim?

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

Can I submit multiple MCs?

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Yes, you can! MCs from the same hospital, polyclinic, or GP can be submitted sequentially and will be treated as one extended medical leave, as long as they are all for the same condition and there are no days not covered in between MCs.

Am I only allowed to submit MCs issued from Doctor Anywhere?

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No. You can submit MCs issued from any certified doctor/healthcare institution in Singapore, as long as they’re a minimum of 6 days for outpatient leave, and 2 days for hospitalisation leave.

When will I receive the payout?

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Most approved claims get paid out in 14 days from your submission.

Can I claim my medical bills under FLEP?

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

Are there exceptions to what can be claimed?

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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 hospitalisation 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

Where will I receive the payout?

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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.

Who is the insurer for Gigacover’s FLEP?

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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.

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

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Drop an email at hey@gigacover.com