Protection: GoalBetter by Gojek

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) underwritten by Etiqa and free accident coverage powered by Marsh.

Please note that the Freelancer Earnings Protection (FLEP) program will be decommissioned from 1 January 2025 due to the Work Injury Compensation Act (WICA), which offers broader coverage for work-related accidents. WICA will replace both the free accident coverage for all driver-partners and Gigacover’s FLEP for Pro/Elite tier driver-partners from 1 January 2025.

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.

For more details, visit gjk.sg/WICA.

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

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

LEARN MORE (GIGACOVER)

FLEP: how it works

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!

1. Get an MC
Make sure you collect a medical certificate from your doctors to claim your payouts.

2. Submit information
Upload photos of your ID, MC(s), medical bills, and reports (if any) on the Gigacover app.

3. Get paid out
Gigacover’s FLEP will pay out up to 60 days of inpatient leave from the 2nd day onwards, and outpatient leave for up to 14 days from the 6th day onwards.

On-trip accident coverage claims

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:

Inform Gojek about your accident
Through in-app help or via drivercare.sg@gojek.com
Submit a claim via claims.sggojek@marsh.com

Prepare your claim documents
This includes driver’s licence, police and medical reports, etc.
Complete claim form
This claim form will be sent to your email from Marsh

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