To enjoy the benefits your company has sponsored for you, kindly log in to your account here.

If you are logging in to your Gigacover account for the first time, you will need to retrieve the OTP sent to your registered email to complete the logging-in process.

Q1: How do I set up my account?

1. Install Gigacover App on your mobile phone
2. Enter your email address
3. Check your email for the 6-digit OTP, and key it to the login page. 
4. Set your password and confirm.

Please note that the OTP is valid for 2 minutes. You may select “resend OTP” if your previous OTP has expired.

Q2: How do I reset my password?

To reset your password, please follow the instructions below:

1. Open your Gigacover account using Gigacover mobile app, and enter your email address.
2. Click on “Forgot Password” and click “send” to trigger a 6-digit OTP to your email.
3. Enter the 6-digit OTP
4. Set your new password and confirm

Please note that the OTP is valid for 2 minutes. You may select ”resend OTP” if your previous OTP has expired.

Q3: My Create Password link has expired. What should I do?

If it is your first time logging in, please refer to Q1.

If you have logged in to your Gigacover account before, please refer to Q2.

Still, having issues with this? Please contact us on WhatsApp.

To add your dependents, log in to your Gigacover account using your Gigacover mobile app and click on the “Add Dependents” icon.

Then, click “Add” and fill in the details of your dependents.

Please note that we require 3-5 working days to process and update your dependent’s information with our partners before they can visit GP, Dental, or TCM clinics.

If you need more help in adding your dependents, you can email us at [email protected]

Q1: Can my dependents visit the clinic without me?

Yes, they will need to also have to open their Gigacover account. You will need to create an account for them and ensure that your eCard is activated.

To create an account for them, simply enter the email address that you used when adding them as your dependent.

They will be able to visit the clinic themselves within 3-5 working days. If you need more help, you can click here to watch a video guide.

Q2: How do I edit my dependents’ information?

Kindly write to [email protected] for us to make the changes for you.

Q3: Can my dependents pay for themselves?

Yes, they can. Dependents who wish to pay their own bills may add a card. Just ask him/her to open his/her Gigacover account here, go to “Account” and click Payment Methods.

Q4: How can I view my dependents’ visit bills in the app?

To view your dependents’ visit bill, just log in to your account using Gigacover’s mobile app, click “Add Dependents”, select your dependent, select visit type (Doctor / Dental / TCM / Healthscreen), and click View Past Visits.

This section contains information about your benefits that will help you to plan your visit and prepare you for a smoother experience at the clinic.

Q1. What are my benefits? 

All workers and dependents under Gigacover Essentials enjoy the following benefits:

• One free annual health screen. To register, book an appointment on our App to visit MHC Medical Centre (Amara). Our health screen screens for obesity, hypertension, diabetes, and high blood cholesterol. Click here for your booking guide.
• GP consultations at $12 or less 
• Corporate rates on other services at our panel clinics

 

Selected workers receive additional subsidies from their companies. 

• For anything your company does not subsidize, you enjoy up to 30% off the usual walk-in rate at our GP, Dental, and TCM clinics. 
• Please approach your company HR to clarify details of your subsidy and benefits. 
• This video shows you where you can find details of your GP, dental, and TCM benefits on the Gigacover app. 

For more information on discounted services under Gigacover Essentials, please refer to Q4-Q6. 

Q2. How much has my company subsidized for me?

This video shows you where you can find details of the amount your company is subsidizing for your GP, dental and TCM visits respectively on the app.

Please approach your company HR to clarify details of your subsidy and benefits.

Q3. How do I get these benefits when I am at the clinic? 

After setting up your Gigacover account (please refer to Q1 under Logging In and Account Issues)

1. Activate your Gigacover eCard by adding your payment card to the app. 
2. Present your Gigacover eCard and NRIC at the clinic 
3. View your bill in the app after your visit

As long as your mode of payment is cashless, you will be getting Gigacover rates and any subsidy your company provides will be automatically deducted from your bill. 

Q4: What prices can I expect for dental procedures under Gigacover Essentials?

Procedure Type	Gigacover’s Price
Scaling and Polishing (Routine / No Fluoride)	SGD75 or less
Scaling and Polishing (Complex / With Fluoride)	SGD105 or less
Complicated/non-surgical Tooth Extraction	SGD155 or less (per tooth)
Tooth Filling	SGD95 or less (per filling)
X-ray Panoramic (OPG)	SGD65 or less

 

1. Please note that published fees do not include admin fees and are estimated quotes. To see more about admin fees, please click here. Final prices may vary depending on the complexity of procedures performed.
2. Implants and orthodontic treatments are not included.
3. Consultation fees are charged at the discretion of clinics.
4. If a procedure you are interested in is not on this list, please write to [email protected] for further inquiry. 
5. Government subsidies e.g. MG/PG/CHAS discounts are not applicable.

 

Planning on a complicated dental procedure or surgery?

Contact us first at [email protected] to let us know what procedure you plan to do at which clinic, and we’ll help you arrange for our corporate rates. If you proceed without checking with us, we will not be able to guarantee you special rates!

Q5: What prices can I expect for GP services under Gigacover Essentials?

Service Type	Gigacover Rate
Consultation	SGD12 or less
Common Injections	SGD25 or less
Simple Dressing	SGD25 or less
Minor Surgery	SGD85 or less

1. Please note that published fees do not include admin fees and are estimated quotes. To see more about admin fees, please click here. Final prices may vary depending on the complexity of procedures performed.
2. Vaccinations are not included.
3. Government subsidies e.g. MG/PG/CHAS discounts are not applicable.

Q6: What prices can I expect for TCM services under Gigacover Essentials?

Service Type	Gigacover Rate
Consultation	SGD18 or less

Please note that published fees do not include admin fees. 

Enjoy a cashless experience at the clinic! You won’t need to pay anything over the counter except for (a) dental bills more than $200 (b) TCM medicine or procedures. For cashless transactions, we will bill your debit / credit card on file, after netting off any subsidy that your company provides for you.

Q1: What is Gigacover Freelancer Earnings Protection (FLEP)?

Gigacover Freelancer Earnings Protection (FLEP) insurance underwritten by Etiqa Insurance is the first of its kind in the region, and possibly the world! Specially made for freelancers, contract workers, and casual workers, FLEP is flexible, affordable, and on-demand insurance that provides income protection should a freelancer be unable to work, either due to illness or injury.

FLEP covers you for both in-patient and out-patient medical leave, and you can buy a 1-month policy for as little as under $17.73 – no need to pay hundreds of dollars just to get insured. Stop or change your monthly policy at any time without paying penalties or cancellation fees, and manage everything on your phone, without having to call your agent up or submitting any documents by mail.

Please refer to FLEP policy wording for more details.

Q2: What are the key features of Gigacover Freelancer Earnings Protection (FLEP)?

It’s best you refer to FLEP policy wording for the full details, but these are the main features that we think make Gigacover FLEP very special:

1. Provides income protection should you be unable to work due to illness or injury. Some exclusions apply, refer to FLEP policy wording for more details.

2. Pays out cash for every day of valid medical leave for

1. 1. In-patient (hospitalization, including hospitalization leave as certified by a Medical Practitioner of a hospital) – up to 84 days, from the 2nd day onwards.
   2. Out-patient (GP, polyclinic) – up to 21 days, from the 6th day onwards.

3. Buy monthly policies as low as $17.73; stop or change your monthly policy at any time with no additional fees

4. Fully digital experience – purchase a policy, change your coverage and submit a claim from your phone.

More questions? You can email us at any time at [email protected]!

Q3: Am I eligible to claim?

You are covered for hospitalization and medical leave

Type	Payable	Max Payable Period
Hospitalization (inc. Hospital Leave)	From the 2nd day onwards	84 days
Outpatient Medical Leave (MC)	From the 6th day onwards	21 days

MCs have to cover more than 5 days back-to-back and be from the same clinic, but do not need to be a single MC with no days in between; if they are all from the same clinic, you are eligible to claim.

Example: if you get

(a) 3 days MC followed by

(b) 2 days MC followed by

(c) 3 days MC back to back

For Hospitalisation leave, the maximum payable period is 84 days.

For Outpatient MCs, the maximum payable period is 21 days.

Q4: What is a Waiting Period?

This refers to the period of time before your coverage comes into effect. During this time, no benefits will be paid unless it is due to an accident.

Q5: Is there a waiting period for FLEP?

A waiting period of 5 days will apply for FLEP coverage to come into effect.

Q6: How do I get started as a FLEP customer?

It’s simple!

Step 1: Go to www.gigacover.com to buy your first policy – this takes on average 3-5 minutes

Step 2: You’ll get an email from [email protected] with your policy documents, and a link on how to log in to your account.

Step 3: Use the app to track your policy, change or stop your coverage, and submit any claims

Step 4: Every month, we’ll charge your card automatically. Remember though you can stop or change your policy coverage at any time!

You can email us anytime at [email protected] should you have any problems!

Q7: Who can be insured by Gigacover FLEP?

You have to meet a few criteria in order to have your insurance cover approved:

• You have to be a Singaporean Citizen or Permanent Resident of Singapore
• You have to be a Self-Employed Person (SEP) (freelancer) without paid medical leave
• You have to be at least 21 years of age and not more than 61 years of age when your first policy commences

Accidents caused by some activities are not covered by Gigacover FLEP. Freelancers engaging in higher-risk activities such as working from heights, diving, mining, logging, sawmilling, woodworking, underground works, explosive making or handling, gas manufacturing, or working as a ship crew or fisherman should also email us before deciding on whether to purchase this policy.

More questions? You can email us at any time at [email protected]!

Q8: How is Gigacover able to provide such low-cost insurance at such good prices?

Gigacover is an insurance technology (InsurTech) company, and we specialize in working closely with insurers to co-create products, supported by technology and data analytics. One of the reasons insurers have not been able to support micro policies like ours before is that the manually intensive process of handling policies and claims makes it unprofitable for them to do so. Our proprietary technology and artificial intelligence systems help solve this problem and allow the creation of innovative, differentiated products. Our data analytics also helps the insurers we work with to constantly fine-tune their pricing and flag potential fraud, thus bringing great coverage at low prices to the vast majority of honest customers, while helping weed out the few black sheep that try to cheat the system and increase the price of insurance for everybody.

Questions? Ideas for what we could do better? Email us at any time at [email protected]!

Q9: I freelance in different roles at the same time. When declaring my earned income before tax from freelance / self-employed work over the most recent 90 days, can I combine the income I earn from different freelance / self-employed work?

Yes, you can, as long as you do not receive paid medical leave or medical benefits from these roles!

Example:

Mr. Tan is a self-employed real estate agent. He also does freelance private hire driving in his free time and freelance coaching on some weekends. When declaring his earned income before tax from freelance / self-employed work, he can combine the earnings from all these roles, as long as he does not receive paid medical leave or medical benefits from these roles.

Q1: Do I need to open my Gigacover account all the time?

There is no need for you to open your Gigacover account all the time! Just open your account when you want to check on your policy, make any changes, or submit a claim.

Q2: What do I need to do if I need to change my phone?

Not a problem! Simply open and log in to your account on your new phone with the same email and password! You’ll see all your data restored to your new phone.

Q3: What does my Gigacover account allow me to do?

Your Gigacover account allows you to:

• Check your policy details, including policy number, coverage, and period of insurance
• Stop or restart your coverage
• Submit a claim

We’re constantly working on additional useful features, so lookout for new features coming out! We’d also love to get your feedback on what features you’d like on the app. Simply drop us an email at [email protected].

Q4: What should I do if something seems to be missing or inaccurate with my account?

Sorry about that! Some requested changes may take a while to reflect on your account, potentially up to 24 hours. If you still notice missing data or inaccurate data, please feel free to drop us an email at [email protected].

Q5: How do I turn off and on my policy cover using my Gigacover account?

Simply log in to your Gigacover account on the Gigacover app and do the following:

• Under ‘’My Products & Services’’ select FLEP
• Click on “Change”
• Toggle the coverage to switch off (if on) or switch on (if off), and click “Confirm”
• View your Change Summary and click ‘’Confirm’’ again.

Please note that changes should be made at least 5 days before the end of the current policy for them to take effect after the current policy ends.

Please drop us an email at [email protected] if you have any questions on this!

Q1: How will recurring billing and payment be done?

The same credit or debit card you used when you paid for your 1st policy will be charged automatically 2 to 4 days before the end of your current policy unless you choose to stop or cancel your policy. We will inform you as soon as possible if we are unable to make a deduction on your card, so as to minimize the possibility of you losing coverage.

Please see FAQ #3 if you need to change the card that is to be charged.

Please drop us an email at [email protected] should you have any problems with this!

Q2: There is a mismatch between what I am supposed to be billed and what I was eventually charged. What should I do?

Apologies for the inconvenience! Please drop us an email at [email protected] if this is the case. We will investigate the case promptly, and process any refund needed.

Q3: How do I update the credit or debit card I want to use for premium payment?

If you would like to update your credit or debit card information, kindly follow the instructions:

• Login to your account via the app
• Go to the account tab, and click “Payment Methods”
• Input the new details securely and click “Save”

If you still need help, please drop us an email at [email protected]

Q4: How do I pay if I do not have a credit or debit card?

We prefer and recommend payment via debit or credit card, but also accept payment by bank transfer.

1) Transfer a minimum of $50 to the following bank account:
Name: Gigacover Pte Ltd
Account No: 003-939-8689
Bank: DBS Bank Ltd Singapore
Reference: YOUR NRIC/FIN

2) Email [email protected] with proof of bank transfer attached

We’ll let you know as soon as your account has been credited, and you can complete the checkout without a card!

Please drop us an email at [email protected]

Q1: Who is the insurer for Gigacover Freelancer Earnings Protection (FLEP)?

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

Q2: What should I do if I want to pause or stop being a Gigacover customer?

We’re sorry to see you go but we totally understand – we know this flexibility is important to our freelancer customers!

Simply open the Gigacover app and indicate that you’d like to stop your coverage.

• Under ‘’My Products & Services’’ select FLEP
• Click on “Change”
• Toggle the coverage to switch off (if on) or switch on (if off), and click “Confirm”
• View your Change Summary and click ‘’Confirm’’ again.

Please keep in mind that you may lose any discounted rates you currently enjoy if you choose to stop your cover!

Your coverage will end at the end of your current policy – we will stop charging your credit or debit card.

Do drop us an email at [email protected] should you have any problems with this!

Q3: Can I purchase Gigacover on behalf of someone else?

Yes, you can, but please note that the insured person (the freelancer being protected) also has to be the beneficiary – this means that when a claim is submitted, the medical certificates and documents should have the insured person’s name on them, and we will pay to a bank account (or issue a cheque) with the insured person as the named beneficiary.

Q5: Can I make a claim for a medical certificate or hospitalization incurred outside of Singapore?

We require the Medical Practitioner or Hospital issuing the documents to be recognized and authorized by the medical licensing authority in Singapore. This also cannot be You, Your Family Member or traveling companion, partner, business partner, employer, employee, or agent. This is to minimize fraudulent claims.

That said, we will accept such documents from a foreign medical practitioner or hospital if they are endorsed by a Medical Practitioner or Hospital recognized and authorized by the medical licensing authority in Singapore. Please also drop us an email at [email protected] should you have any problems with this!

Q6: What should I do if I need to submit a claim?

We’re sorry to hear that and hope you are feeling better. To submit a claim, just follow these instructions:

Step 1: Log in to your Gigacover account on the app, and go to the claim section

Step 2: Follow the simple instructions on the app to fill in some basic details

1. Indicate if your medical leave was caused by an injury or illness
2. Nature of illness or injury
3. When illness started / when the injury took place
4. Details of the medical practitioner
5. Bank account details

Step 3: Submit attachments or photos of the following documents

1. Medical certificate
2. Associated medical bill / invoice
3. Discharge summary (if any)
4. Front and back of your NRIC 

Step 4: Confirm all your details are accurate and click “Submit”

Please request for your GP Clinic to ensure that the attending Doctor’s registration number appears on the medical certificate. This is included by default for Polyclinic medical certificates.

Please also note that as part of our claims handling process, we may request for you to get a 2nd opinion from a panel of Medical Practitioners, at our cost.

That’s it! Most people who have their documents ready take no more than 5-10 minutes to complete this process.

If you are unable to submit your claim or have any questions you can always send us an email at [email protected]

Q7: What happens after I submit the claim?

The insurer will begin processing the claim immediately, and you’ll get to see updates on your account of the status of your claim. We may contact you if more information is needed to process your claim. Once your claim is approved the insurer will pay you by bank transfer or cheque.

If you’re concerned about the status of your claim you can always email us at [email protected], and we’ll respond to you as soon as we can – we understand it’s important to have an answer fast!

Q8: Can I claim if I have consecutive MCs that cover more than 5 days?

Yes, you can! MCs have to cover more than 5 days back-to-back and be from the same clinic but do not need to be a single MC with no days in between, all from the same clinic, you are eligible to claim!

Example: if you get

(a) 3 days MC followed by

(b) 2 days MC followed by

(c) 3 days MC back to back

Please drop us an email at [email protected] should you have any problems with this!

Q9: What are some exclusions that do not qualify to be claimed?

To keep premiums affordable for most customers, some exclusions apply. Key examples (non-exhaustive) include 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

Q10: What are pre-existing conditions?

A pre-existing condition is a condition that you should reasonably be aware you have before purchasing your first policy. This includes if:

• You had received or are receiving treatment; or
• Medical advice, diagnosis, care, or treatment has been recommended; or
• Clear and distinct symptoms are or were evident; or
• Its existence would have been apparent to a reasonable person in the circumstances

Example 1 – Mr. Tan took or is taking high blood pressure medication before he purchases FLEP. After he purchased FLEP, he gets a heart attack and is hospitalized. If the doctor indicates that Mr. Tan’s heart attack was caused by his high blood pressure condition, the insurer may reserve the right to not pay the claim.

Example 2 – Mr. Lee purchases FLEP. After he purchased FLEP, he is diagnosed for the 1st time that he has high blood pressure, and needs to take medication. He gets a heart attack soon after and is hospitalized. Given it is reasonable that Mr. Lee was not aware he had high blood pressure before purchasing FLEP, the insured will pay the claim.

Pre-existing condition exclusions are added to prevent the scenario where a person already knows he is sick before buying insurance, with the expectation he will make a claim from the policy soon after. This drives up the payout, which in turn drives up the premiums for everybody else.

Q1: What is Gigacover Collision Damage Waiver (CDW) Insurance?

Gigacover CDW is a unique insurance product, underwritten by AXA, that helps private hire drivers who rent their vehicles pay less excess to your rental company in the event of an accident.

Private hire drivers who are insured under Gigacover CDW and submit a valid claim will only need to pay the 1st $500 (+ GST) of excess to their rental company – AXA / Gigacover pays the remaining amount you are liable for straight to the rental company.

Q2: Who can purchase Gigacover CDW?

Gigacover CDW is made for private hire drivers in Singapore who rent their passenger motor vehicles from rental companies.

The insured should have a valid driver’s license and Taxi Driver’s Vocational Licence (TDVL) or Private Hire Car Driver’s Vocational Licence (PDVL).

Q3: How do I know what level of excess coverage I should select?

Your rental contract with the rental company for the motor vehicle you are renting should state the amount of excess you are liable to pay to the rental company in the event of an accident. It would typically be split into

1. Section 1 (Own Damage) excess, and
2. Section 2 (3rd Party) excess

Section 1 (Own Damage) excess typically refers to the amount you need to pay the rental company for accidental loss or damage to the vehicle you rent.

Section 2 (3rd Party) excess typically refers to the amount you need to pay the rental company for accidental injury, loss or damage caused to a 3rd party by the vehicle you rent.

You should select a level of coverage for CDW that is the same as that of the excess indicated on your rental contract.

If for example your rental contract states that:

1. your Section 1 (Own Damage) excess is $1500, and
2. your Section 2 (3rd Party) excess is $2000,

You should select CDW excess of Section 1 = $1500 / Section 2 = $2000.

In the case of an accident, assuming

1. Rental company charges GST of 7%;
2. Your rental contract states that you are liable to pay Section 1 excess of $1500 (+ GST) and Section 2 excess of $2000 (+ GST) to the rental company
3. You are covered under CDW and have a valid claim

You pay: $500 x 107% = $535 to the rental company

AXA / Gigacover pays: ($1500 + $2000 – $500) x 107% = $3210

Q4: How much will I need to pay in the event of an accident with a valid claim, if I am covered by CDW?

In the event of an accident, if the claim is valid, you will only need to pay the 1st $500 (+ GST) of combined excess to your rental company for that accident. After the claim is approved, the policy will lapse, and you will need to purchase another CDW policy in order to get covered for another accident.

You will only need to pay the 1st $500 (+ GST) for an accident, regardless of whether

1. You are liable to pay for both Section 1 and Section 2 excess;
2. You are only liable to pay for Section 1 (Own Damage) excess; or
3. You are only liable to pay for Section 2 (3rd Party) excess.

In the case of an accident, assuming

1. Rental company charges GST of 7%;
2. Your rental contract states that you are liable to pay Section 1 excess of $1500 (+ GST) and Section 2 excess of $2000 (+ GST) to the rental company
3. You are covered under CDW and have a valid claim

You pay: $500 x 107% = $535 to the rental company

AXA / Gigacover pays: ($1500 + $2000 – $500) x 107% = $3210

Q5: If I am covered by CDW, in the event of an accident do I have to pay the full excess I am liable for to the rental company before claiming from AXA / Gigacover?

No you do not have to, if:

1. You give us the permission to pay the approved amount straight to your rental company; and
2. Your rental company approves this arrangement,

You can pay just the 1st $500 (+ GST) excess to your rental company, and AXA / Gigacover will pay the rest you are liable for straight to the rental company on your behalf, if the claim is valid and approved.

We know you do not want to have to pay thousands of dollars of excess to your rental company before submitting a claim and waiting days or weeks before getting the money reimbursed to you. This is why we’ve structured CDW to support this arrangement.

Q6: How long is a CDW policy, and how do I cancel / change my details?

The CDW policies are one-month long, with monthly auto renewal. Think of it like a subscription plan, similar to Netflix or Spotify. If you want to stop your coverage, you can login your Gigacover account at <insert login link>, go to CDW and turn-off auto renewal.

The insurer unfortunately will not be able to provide a refund for early termination of your month-long CDW policy.

Most standard insurance policies are 1 year long, and do provide some refund (with penalty) if it’s terminated early. We structured CDW such that you just pay month-by-month, and you can stop your coverage at any time, no questions asked, and we’ll not bill you for the next month.

You can email us at anytime at [email protected] should you need help with stopping your coverage or changing your details!

Q7: What are some of the conditions required for a claim to be valid?

There are some important conditions that must be met for your claim to be valid. Some key conditions (non-exhaustive) that must be met include:

1. Your accident must have happened in Singapore,
2. Your accident must have happened after your CDW policy start date,
3. You must not have had claimed for a prior accident under the same 1-month CDW policy,
4. You, the insured party under CDW, was the driver of the vehicle that got into the accident, and
5. Your CDW policy does not cover MORE than the maximum excess liability stated on your rental contract

You can refer to the full policy wording for more details!

Should you have more questions, you can send us an email at [email protected]!

Q8: Can I purchase excess coverage that is different from what is stated on my rental contract?

You should not purchase a CDW policy with higher excess than the maximum excess liability stated on your rental contract. In the event of a claim the insurer will not be able to pay more than the excess indicated on your rental contract.

We do not recommend purchasing a CDW policy with lower excess than what is stated on your rental contract.

Q9: How do I get started as a CDW customer?

It’s simple!

Step 1: Go to https://gigacover.com/cdw to buy your first policy – this takes on average 3-5 minutes

Step 2: You’ll get an email from [email protected] with your policy documents, and a link on how to login and manage your Gigacover account.

Step 3:  Use <login link of web app> to track your policy, change or stop your coverage, and submit any claims

Step 4: Every month, we’ll charge your card automatically. Remember though you can stop or change your policy coverage at any time!

You can email us at anytime at [email protected] should you have any problems!

Q10: Who is the insurer for Gigacover Collision Damage Waiver (CDW) Insurance?

The insurer for this product is AXA Insurance Pte Ltd, a fully regulated and authorised insurer, regulated by the Monetary Authority of Singapore (MAS).

Q1: Do I need to open my Gigacover account all the time?

There is no need for you to open your Gigacover account all the time! Just open your account when you want to check on your policy, make any changes, or submit a claim.

Q2: What do I need to do if I need to change my phone?

Not a problem! Simply open and log-in your account to your new phone with the same email and password on your new phone! You’ll see all your data restored to your new phone.

Q3: What does my Gigacover account allow me to do?

Your Gigacover account allows you to:

1. Check your policy details, including policy number, coverage and period of insurance
2. Change or stop your coverage
3. Submit a claim
4. Change some personal details – though for your security we may require you to email us if you are requesting to change some key details, like your name or NRIC

We’re constantly working on additional useful features, so look out for new features coming out! We’d also love to get your feedback on what features you’d like on the app. Simply drop us an email at [email protected].

Q4: What should I do if something seems to be missing or inaccurate with my account?

Sorry about that! Some requested changes may take awhile to reflect on your account, potentially up to 24 hours. If you still notice missing data or inaccurate data, please feel free to drop us an email at [email protected].

Q1: How will recurring billing and payment be done?

The same credit or debit card you used when you paid for your 1st policy will be charged automatically 2 to 4 days before the end of your current policy, unless you choose to stop or cancel your policy.

We will inform you as soon as possible if we are unable to make a deduction on your card, so as to minimize the possibility of you losing coverage.

Please drop us an email at [email protected] should you have any problems with this!

Q2: There is a mismatch between what I am supposed to be billed and what I was eventually charged. What should I do?

Apologies for the inconvenience! Please drop us an email at [email protected] if this is the case. We will investigate the case promptly, and process any refund needed.

Q3: How do I update the credit or debit card I want to use for premium payment?

If you would like to update your credit or debit card information, kindly follow the instructions:

• Login your account at <insert login link>
• Go to the account tab, and click “Payment Methods”
• Input the new details securely and click “Save”

If you still need help, please drop us an email at [email protected]

Q4: Can I get a refund if I return my rental car before the end of the month-long policy?

The insurer unfortunately will not be able to provide a refund for early termination of your month-long CDW policy.

Most standard insurance policies are 1 year long, and do provide some refund (with penalty) if it’s terminated early. We structured CDW such that you just pay month-by-month, and you can stop your coverage at any time, no questions asked, and we’ll not bill you for the next month.

You can email us at anytime at [email protected] should you need help with stopping your coverage or changing your details!

Q1: How do I submit a claim?

You can do so conveniently via the Gigacover app – most people who have their documents ready take no more than 5-10 minutes to complete this process.

Please see below on documents at Q2 that need to be submitted as part of the claim process.

If you are unable to submit your claim or need any help you can always send us an email at [email protected].

Please also note that as part of the claims handling process, AXA / Gigacover may request for additional documentation to support the claim, at your cost.

Q2: I’ve got into an accident and need to submit a claim. What documents do I need to submit as part of the claim process?

The documents we will require from you include, but are not limited to:

1. Rental Contract between you and your car rental company;
2. Original invoice for the total amount payable by you to your rental company;
3. GIA report on the accident (this is a standard requirement for all accidents under the Motor Claims Framework (MCF);
4. Certificate of insurance for the vehicle you were driving that was involved in the accident;
5. Photographs depicting damages of the vehicle;
6. Photographs after repair of the vehicle (if available);
7. Copy of identity card, driving licence, and TDVL / PDVL; and
8. Police report if required under the Motor Claims Framework (MCF).

In addition to the above documents –

1. If payment is to be made directly to rental company:
   1. Signed letter of authorisation (LOA), allowing AXA / Gigacover to make payment on your behalf to the rental company if the claim is approved
2. If payment is to be made to you after you have paid your rental company:
   1. Settlement confirmation / discharge voucher from your rental company, indicating that you have paid them
   2. Documentary proof to show that excess was paid by you to the rental company

Q3: How will GST be treated in the claim process?

If GST is applied to the excess you need to pay, you will need to pay the GST on the 1st $500 excess. AXA will pay the remaining excess payable, including GST applied on that amount.

In the case of an accident, assuming

1. Rental company charges GST of 7%;
2. Your rental contract states that you are liable to pay Section 1 excess of $1500 (+ GST) and Section 2 excess of $2000 (+ GST) to the rental company
3. You are covered under CDW and have a valid claim

You pay: $500 x 107% = $535 to the rental company

AXA / Gigacover pays: ($1500 + $2000 – $500) x 107% = $3210

Q4: What happens after I submit the claim?

The insurer will begin processing the claim immediately, and you’ll get to see updates on the app of the status of your claim.

We may contact you if more information is needed to process your claim.

If you’re concerned about the status of your claim you can always email us at [email protected], and we’ll respond to you as soon as we can – we understand it’s important to have an answer fast!

Q5: What are some exclusions that do not qualify to be claimed?

To keep premiums affordable for most customers and to minimise the chance of abuse or fraud, some exclusions apply. Some key examples (non-exhaustive) of exclusions that will not be claimable include

1. If your accident happens outside of Singapore
2. If the accident happened before the start of your CDW policy coverage
3. If you had already claimed for 1 accident for that 1-month long CDW policy, and have not purchased a new policy
4. If you are the insured party under CDW but were not the driver of the vehicle that got into the accident
5. If you bought a CDW policy with MORE coverage than the maximum excess liability stated on your rental contract

You can refer to the full policy wording for more details!

Q1: What is the benefit of my Group Critical Illness policy?1

Critical Illness insurance pays out a one-time lump sum benefit when one of 37 critical illnesses is diagnosed. The policy lapses after the sum is paid out in full. This one time lump sum payment helps the insured by providing cash quickly

Q2: What are the exclusions?

1. Pre-existing conditions (Please see Question 5 for more details)
2. Illness caused by intentional acts (sane or insane)
   – Self-harm
   – Related to drug/alcohol addiction
   – Related to HIV/AIDS (Please see Question 6 for more details)
3. Within the first 90 days of coverage
   – You cannot claim in the 1st 90 days of continuous coverage
   – If your policy stops, this 90 days term resets – we thus advise you to ensure continuous coverage!

Q3: What is a pre-existing condition?

Pre-existing conditions refer to disabilities or conditions that you have reasonable knowledge of.

You may be considered to have reasonable knowledge of a pre-existing medical condition if:

1. you had received or are receiving treatment;
2. medical advice, diagnosis, care or treatment has been recommended;
3. clear and distinct symptoms are or were evident;
4. its existence would have been apparent to a reasonable person in the circumstances.

In particular, no benefit will be paid out if

1. The insured was diagnosed as having deafness before reaching age 2;
2. The insured was diagnosed with a critical illness which is caused by a congenital or inherited disorder before reaching age 6

The insurer MAY request for you to prove that a critical illness you are diagnosed with is not a pre-existing condition.

Q4: What are the Critical Illnesses I am covered for?

You can see the full list of 37 critical illnesses and their exclusions covered here, as defined by the Life Insurance Association of Singapore.

Q5: I have been diagnosed with a critical condition. Can I make a claim?

You will receive a one-time lump sum benefit if you are diagnosed for the first time with one of the 37 critical illnesses covered during the policy term.

No benefit will be paid out under any of the circumstances below:

1. If your critical illness was a pre-existing / congenital condition
2. If your critical illness was caused by intentional acts, including self-harm
3. If your critical illness is related to the effects of drug or alcohol addiction
4. If your critical illness is related to HIV/AIDS
5. 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)

Q6: I have been diagnosed with HIV / AIDS. Can I make a claim?

HIV infection, acquired immunodeficiency syndrome (AIDS) and AIDS-related conditions are excluded, unless the HIV infection is due to blood transfusion or was occupationally acquired.

Q7: When does the policy pay out a claim?

This policy pays either part (for Angioplasty & Other Invasive Treatment for Coronary Artery, “AOITCA”) or all of the basic sum insured.

• The policy pays the full sum assured benefit for one critical illness, except when the first critical illness is AOITCA.
  • If the first critical illness you are diagnosed with is AOITCA, then the payout will be 10% of the sum assured
    • If you are sponsored by Gojek Goalbetter, 10% of $1000 = $100 payout
  • If you are later diagnosed with another critical illness that is covered, the policy will pay the remaining sum insured. The remaining sum insured is the original sum insured less the amount first claimed for AOITCA.
    • If you are sponsored by Gojek Goalbetter, $1000 – $100 = $900 payout
• Once the total original sum insured is paid, the basic policy will automatically terminate.

Q8: What should I do if I need to submit a claim?

Should you need to submit a claim under CI, please email us at [email protected] or contact us on WhatsApp during office hours, and we’ll help you with the process.

Q9: Do I have to pay for this benefit?

Your plan is sponsored by Gigacover, and you do not need to pay for it.

You are getting this coverage as a selected member of Gigacover’s programme, and would have received an email notification if you are covered. The policyholder is Gigacover Pte Ltd, the administrator of the Gigacover programme.

Q10: Do I have the option to increase my coverage?

Currently there is no option to upgrade your coverage.