Need to file a claim?
Get all the documents ready. File your claims using our web portal. And we’ll handle the rest of the process.
TUTORIAL
Easy step by step tutorial on how to file a claim online!
Requirements and FAQs
Freelancer Earnings Protection (FLEP) Claim
The following documents will be required when submitting for claims:
Medical Leave
- NRIC
- Medical Certificates
- Medical Reports with Diagnosis
- Referral Letters
- Tax Invoice and 90-Day Income Statements
Hospitalisation Leave
- NRIC
- Medical Certificates
- Medical Reports with Diagnosis
- Referral Letters
- Inpatient Discharge Summary
- Operation Records (For Surgeries)
- Hospital Medical Bills
- Tax Invoice and 90-Day Income Statements
Q1. What happens after I submit the claim?
You will receive a claim submission email to inform you of your successful claim submission.
Our claims processing team will begin processing your claim immediately and you may see the status of your claim by logging in Gigacover’s web portal.
We may contact you if more information/document is needed to process your claim.
Q2. How can I check the status of my claims?
You can log into Gigacover’s web portal to check your claim status.
If you’re concerned about the status of your claim, you can always email us at [email protected] or contact us on Whatsapp, and we’ll respond to you as soon as we can.
Q3. How will I receive my claim payout?
You will receive your claim payout via the payment option you have indicated when submitting your claim through Gigacover’s web portal.
Q4. What are some exclusions that do not qualify to be claimed?
Some exclusions that will not be claimable includes 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
Collision Damage Waiver (CDW) Claim
The following documents will be required when submitting for claims:
Section 1 (Own Damage) Claims
- Policyholder’s driving license and NRIC
- Certificate of Motor Insurance
- Rental Contract
- GIA Accident Report
- Police Report (if applicable)
- Proof of Payment to the rental company / primary insurer
- Original Repair Invoice
- Colour photographs showing damages of the car
- Colour photographs showing the car after repaired
Section 2 (3rd Party) Claims
- Policyholder’s driving license and NRIC
- Certificate of Motor Insurance
- Rental Contract
- GIA Accident Report
- Police Report (if applicable)
- Discharge Voucher from primary insurer
- Proof of excess paid to rental company / primary insurer
Q1. What happens after I submit the claim?
You will receive a claim submission email to inform you of your successful claim submission.
Our claims processing team will begin processing your claim immediately and you may see the status of your claim by logging in Gigacover’s web portal.
We may contact you if more information/document is needed to process your claim.
Q2. How can I check the status of my claims?
You can log into Gigacover’s web portal to check your claim status.
If you’re concerned about the status of your claim, you can always email us at [email protected] or contact us on Whatsapp, and we’ll respond to you as soon as we can.
Q3. How will I receive my claim payout?
You will receive your claim payout via the payment option you have indicated when submitting your claim through Gigacover’s web portal.
Q4. What are some exclusions that do not qualify to be claimed?
To keep premiums affordable for most customers, and to minimize the chance of abuse or fraud, some exclusions apply. Some key examples (non-exhaustive) of exclusions that will not be claimable include:
- If your accident happens outside of Singapore
- If the accident happened before the start of your CDW policy coverage
- If you had already claimed for 1 accident for that 1-month long CDW policy, and have not purchased a new policy
- If you are the insured party under CDW but were not the driver of the vehicle that got into the accidentIf you bought a CDW policy with MORE coverage than the maximum excess liability stated on your rental contract
Q5. If there’s an accident, will I need to pay the excess to my car rental company first or will Gigacover pay first?
Both are possible, however you still need to file your claims with Gigacover and your claim will still need to be approved by the insurer before any claim payout can be done.
If you would like Gigacover to pay your rental excess first:
- You will need to check with your car rental company and they must agree to Gigacover paying the reduced excess on your behalf (Do note that Gigacover will only payout after your claim has been approved).
- You can show your policy schedule as proof that you do have an inforced CDW policy with Gigacover
- Gigacover is unable to issue any letters as your claim will need to be approved by the insurer.
- Once the insurer approves, Gigacover will make the claim payout directly to your car rental company.
If you would like to pay your rental excess first, you can continue to file your claims as usual with Gigacover and we will make the claim payout to you once the claim is approved.
Group/ Personal Accident Claim
The following documents will be required when submitting for claims:
All Group Personal Accident Claims
- NRIC
- Medical Reports with Diagnosis
- Referral Letters
- Inpatient Discharge Summary
- Hospital Medical Bill
Q1. What happens after I submit the claim?
You will receive a claim submission email to inform you of your successful claim submission.
Our claims processing team will begin processing your claim immediately and you may see the status of your claim by logging in Gigacover’s web portal.
We may contact you if more information/document is needed to process your claim.
Q2. How can I check the status of my claims?
You can log into Gigacover’s web portal to check your claim status.
If you’re concerned about the status of your claim, you can always email us at [email protected] or contact us on Whatsapp, and we’ll respond to you as soon as we can.
Q3. How will I receive my claim payout?
You will receive your claim payout via the payment option you have indicated when submitting your claim through Gigacover’s web portal.
Critical Illness Claim
The Critical Illness Claim Form will need to be completed by your doctor or your hospital’s Medical Reports Office (MRO) and submitted together with the following mandatory documents.
All Critical Illness Claims
- NRIC
- Attending Physician Statement (APS)
- Inpatient Discharge Summary
- Laboratory Reports*
*E.g. Histopathology Report for Cancer Claim, MRI/CT/PET Scan for Stroke Claim, ECG/ Cardiac Enzymes & Troponin Test results for Heart Attack Claim, Operation Report for Coronary Artery Bypass Claim
Q1. How do I submit a claim for CI?
Should you need to submit a claim for CI, please email us at [email protected] or contact us on Whatsapp during office hours. Our claims processing team will assist you through the process.
Q2. How can I check the status of my claims?
You can log into Gigacover’s web portal to check your claim status.
If you’re concerned about the status of your claim, you can always email us at [email protected] or contact us on Whatsapp, and we’ll respond to you as soon as we can.
Q3. What are some exclusions that do not qualify to be claimed?
No benefit will be paid out under any of the circumstances below:
- If your critical illness was a pre-existing/congenital condition
- If your critical illness was caused by intentional acts, including self-harm
- If your critical illness is related to the effects of drug or alcohol addiction
- If your critical illness is related to HIV/AIDS
- If your critical illness was diagnosed within the first 90 days from the policy issue date or the date of the last reinstatement of the policy after a gap in coverage (whichever is later)
Third Party Liability Claim
What to do when an accident involving a third party happens?
Step 1: Seek medical assistance for both you and the third party, if necessary
Step 2: Prepare all the necessary documents required for submitting claims
Step 3: Submit your claim and wait for it to be processed
Requirements
The following documents will be required when submitting for claims:
Q2. How can I check the status of my claims?
You can log into Gigacover’s web portal to check your claim status.
If you’re concerned about the status of your claim, you can always email us at [email protected] or contact us on Whatsapp, and we’ll respond to you as soon as we can.
Q1. What happens after I submit the claim?
You will receive a claim submission email to inform you of your successful claim submission.
Our claims processing team will begin processing your claim immediately and you may see the status of your claim by logging in Gigacover’s web portal.
We may contact you if more information/document is needed to process your claim.
Q3. How will I receive my claim payout?