📢 Important: Updates to your health and earnings protection with Gigacover Essentials and Gigacover FLEP

From 1 Jan 2025, the Platform Worker Bill will come into force. The Bill covers three areas: (1) CPF contributions, (2) Work injury compensation (WIC), and (3) Platform work association representation. Learn more: gjk.sg/cpf

As the Work Injury Compensation Act provides a wider range of compensations for work-related accidents, it will replace Gigacover’s Essentials coverage for all driver-partners and Gigacover’s Freelancer Earnings Protection (FLEP) for Pro/Elite tier driver-partners. 

What does this mean for you?

• Gigacover’s Essentials coverage: For all driver-partners, the last day to visit a clinic as part of Gigacover’s Essentials plan will be 31 Dec 2024. 
• Gigacover’s Freelancer Earnings Protection (FLEP) coverage: For eligible Pro & Elite driver-partners, your coverage will end on 31 Dec 2024, and any FLEP claims must be submitted latest by 30 Jan 2025.
• From 1 Jan 2025, your health and earnings will be covered by the comprehensive Work Injury Compensation Act.

Read on for more details.

How does this impact my health coverage?

All Gojek driver-partners currently receive health protection with Gigacover’s Essentials. This will cease on 31 Dec 2024, as it will be replaced with WICA from 1 Jan 2025.

This means that you can continue to enjoy the following benefits under Gigacover’s Essentials until 31 Dec 2024:

• Subsidized consultation fees at selected GP clinics ($12)
• Subsidized rates for medicine, TCM, and dental consultations
• Subsidized rates for dependents (up to 4 family members)

For all driver-partners, the last day to visit a clinic as part of Gigacover’s Essentials plan will be 31 Dec 2024. 

How does this impact my earnings protection coverage (for Pro & Elite driver-partners)?

Pro and Elite Gojek driver-partners currently receive earnings protection via fully covered premiums for Gigacover’s Freelancer Earnings Protection (FLEP). This coverage will cease on 31 Dec 2024, as it will be replaced with WICA from 1 Jan 2025. 

To illustrate,

• Current Pro & Elite driver-partners with tier validity refreshed on 1 Oct 2024 will enjoy the full 3 months of FLEP coverage for the entire validity of their tier, until 31 Dec 2024.
• Pro & Elite driver-partners with tier validity refreshed on 1 Nov 2024 will enjoy 2 months of FLEP coverage until 31 Dec 2024.
• Pro & Elite driver-partners with tier validity refreshed on 1 Dec 2024 will enjoy 1 month of FLEP coverage until 31 Dec 2024.
• All driver-partners will be covered by WICA instead, with effect from 1 Jan 2025.

Eligible Pro and Elite Gojek driver-partners can continue to enjoy the following benefits under Gigacover’s FLEP until 31 Dec 2024:

• Coverage of up to maximum $80/day for income loss due to injury or illness
• Maximum coverage of 14 days for outpatient (with 5 days excess)
• Maximum coverage of 60 days for inpatient (with 1 day excess)

Important: Any FLEP claims for incidents occurring on or before 31 Dec 2024, must be submitted latest by 30 Jan 2025. For claims that extend beyond 31 Dec 2024, the daily payout will only be calculated up to 31 Dec 2024.

Rest assured that there is no change to other existing loyalty GoalBetter benefits. 

More on your GoalBetter benefits: gjk.sg/gb-info

What compensation will I be eligible for under the new WICA?

From 1 Jan 2025, all driver-partners will be eligible for the following compensation due to work accidents

1. Reimbursement of medical expenses due to work accident
   1. Up to $45,000 or 1 year from the accident date, whichever is earlier
2. Income loss compensation for medical leave based on your Average Daily Earnings (ADE)
   1. Up to 14 days: full ADE
   2. 15th day to 1st year of accident: ⅔ ADE
3. Income loss compensation for hospitalisation leave based on your Average Daily Earnings (ADE)
   1. Up to 60 days: full ADE
   2. 61st day to 1st year of accident: ⅔ ADE
4. Lump sum compensation (for permanent incapacity or death)
   1. Based on your Average Monthly Earnings (ADE x 30)
   2. Minimum compensation of $76,000 (death) or $97,000 (permanent incapacity)
   3. Maximum limit of $225,000

More details will be shared on how you can submit your claims under WICA soon.

Frequently asked questions on your Gigacover FLEP & Essentials coverage

What happens if I am claiming under Gigacover’s FLEP beyond 2024, into 2025?

Your daily payout under FLEP coverage will only be calculated up till 31 Dec 2024 (inclusive). For 1 Jan 2025 onwards, you will need to submit a claim via WICA. More details will be shared on how this can be done soon.

What is the latest date that I can submit my claim for 2024 if I am currently covered under FLEP?

Eligible Gojek driver-partners should submit FLEP claims as soon as possible, within 30 days of the incident. For incidents occurring on 31 Dec 2024 (last day of coverage), you will have until 30 Jan 2025 to submit a FLEP claim.

What if I want to continue buying FLEP?

There is currently no option to self-purchase Gigacover’s FLEP. Your coverage will be replaced by WICA from 1 Jan 2025.

What will happen in the lead up to 1 Jan 2025 if I am visiting a clinic under Gigacover’s Essentials in the last few days of 2024 during this transition period?

You will be able to visit a clinic with your Gigacover Essentials e-card up until 31 Dec 2024, after which your e-card will be terminated. Please contact Gigacover directly if you face any issues with the e-card before 31 Dec 2024. 

Invoices for your clinic visits up until 31 Dec 2024 may be sent in Jan 2025. 

What is the Work Injury Compensation Act (WICA)?

Effective 1 Jan 2025, platform workers will be able to claim for medical leave wages, medical expenses, and lump-sum compensation for permanent incapacity or death.

You will be able to claim compensation if you have been injured or contracted a disease as a result of work. For example, you can make a claim under WICA if you were injured while traveling to the passenger’s pick-up or drop-off location, until you leave the location.

Relevant compensation for income loss (during medical leave and hospitalization leave) and lump sum compensation for permanent incapacity, current incapacity or death will be calculated based on your average daily earnings based on your total gross earnings from all platform operators within the platform service in which the injury was sustained, for a period of up to 90 calendar days before the date of accident. 

Claims due to a work accident can be made up to 1 year from the accident, or up to a maximum limit of $45,000, whichever is earlier.

Note: As a platform worker, you will not be covered under WICA if you injure yourself under the following scenarios:

• While not working for a platform operator
• While waiting for tasks, including doing non work-related activities such as running personal errands in between tasks
• While performing tasks under the influence of alcohol or drugs
• Deliberately, or you deliberately aggravated an accidental injury
• In a fight or an assault on one or more persons other than for self-defence or with consent of the platform operator
• While performing tasks using an illegally modified vehicle which caused an accident
• While performing tasks using a vehicle for which you do not hold the appropriate vehicle licence such as a driving or motorcycle licence, or a power-assisted bicycle and e-scooter mandatory theory test certificate
• While performing tasks using an unregistered Personal Mobility Device (PMD)

For the full details, refer to MOM’s website here.

Frequently asked questions on the Work Injury Compensation Act (WICA)

Who is eligible for WICA?
All driver-partners who transact on Gojek from 1 Jan 2025 are eligible for WICA for accident-related injuries.

How do I make a claim?
Please inform Gojek about the accident and injury as soon as possible to allow us to assist on the claims. You can report the accident via your Gojek driver app > Help center > Safety & Emergency > I was in a car accident.
Our team will reach out for further details to follow up on submitting your claims. Please prepare the related supporting documents, such as Medical Certificate/s, medical bills/receipts, and police reports where applicable.

If I get injured while working with Gojek, can I claim it under WICA and my personal insurance?
You will only be able to claim for 1 policy at a time. If you submit your accident claim through Gojek, we will submit your claim under WICA and you may submit to your other policies (if any) only after the claim exceeds the WICA limit.

What types of compensation will be provided under WICA?
Platform workers will have the same scope and level of WIC benefits as employees including:

• Income loss compensation
• Medical expenses
• Lump sum compensation for permanent incapacity, current incapacity or death

However, compensation for light duties will not apply to platform workers. For more information, please refer to MOM’s website.

Why does Gojek need to collect my personal, accident, and earnings data?
Gojek will need to collect and validate the information in order to submit an injury report (iReport) for a WIC claim in order for you to receive compensation for medical claims and earnings protection (where applicable). Please be informed that the process will be handled by Gojek, our Third Party Administrator (Jarvis Services Pte Ltd), and/or our Insurance Provider (Etiqa Insurance Pte Ltd).
For more details on the required data and information, please refer to MOM’s website.