Products
Inclusions
Freelancer Earnings Protection (FLEP)
These Include
- Medical Leave
- Hospitalisation Leave
Details
- Pre-existing conditions – Eligible to receive benefits after 12 months continuous coverage with no breaks
- 14 Outpatient Max Days
- 60 Inpatient Max Days
- 5 Outpatient Excess Days
- 1 Inpatient Excess Days
Quarantine Orders T&Cs
- QOs will be applied to OP
- QOs will not be covered should Driver Partners travel overseas over the last 14 days and does not cover OP issued outside SG
- QOs will not be covered should there be any breach of Safe Management Measures and/or QOs
For more information, visit the FAQs page.
Personal Accident
These Include
- Loss of two limbs
- Loss of both hands or of all fingers and both thumbs
- Total loss of sight of both eyes
- Total paralysis
- Injuries resulting in being permanently bedridden
- Any other injury causing permanent total disablement
Details
- Receive up to 100% compensation on capital sum insured depending on your permanent disability
Critical Illness
These Include
- Major Cancer
- Heart Attack of Specified Severity
- Stroke with Permanent Neurological Deficit
- Coronary Artery By-pass Surgery
- End Stage Kidney Failure
- Irreversible Aplastic Anaemia
- End Stage Lung Disease
- End Stage Liver Failure
- Deafness (Irreversible Loss of Hearing)
Details
- Get a lump-sum benefits depending on the critical illness diagnosed
Frequently Asked Questions
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 $25 – 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:
- 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.
- Pays out cash for every day of valid medical leave for
-
- In-patient (hospitalization, including hospitalization leave as certified by a Medical Practitioner of a hospital) – up to 60 days, from the 2nd day onwards.
- Out-patient (GP, polyclinic) – up to 14 days, from the 6th day onwards.
- Buy monthly policies as low as $25; stop or change your monthly policy at any time with no additional fees
- 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 | 60 days |
Outpatient Medical Leave (MC) | From the 6th day onwards | 14 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 60 days.
For Outpatient MCs, the maximum payable period is 14 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 https://gigacover.com/sg/freelancer-earnings-protection/ 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 Gigacover’s web portal 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 web portal and do the following:
- Under ‘’Profile’’ select GigaProtect then FLEP
- Click on “Policy No” then click “Cancel”
- A notification will pop-put then just click on Proceed
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 log in to your Gigacover account on the Gigacover web portal and do the following:
- Under ‘’Profile’’ select GigaProtect then FLEP
- Click on “Policy No” then click “Cancel”
- A notification will pop-put then just click on Confirm
Please keep in mind that you may lose any discounted rates you currently enjoy if you choose to stop your cover and there will be no pro-rated refund!
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.
Q4: 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!
Q5: 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 on the Gigacover web portal, and click on “Claims“
Step 2: Choose “Submit a Claim” and then “FLEP Claim”
Step 3: Prepare the necessary documents as listed then click on NEXT button
Step 4: Choose the appropriate answers to our questions.
*Note: If you are not sure what to put just indicate N/A and we will contact you in case we have a clarification
Step 5: Submit attachments or photos of the following documents
For all Claims:
- NRIC
- Medical Certificates
- Medical Reports with diagnosis
- Police Report
- Referral Letters
If Hospitalised:
-
- Inpatient Discharge Summary
- Operation Records (for surgeries)
- Hospital Medical Bills
Step 6: 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]
Q6: 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!
Q7: 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!
Q8: 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 the benefit of my Group Critical Illness policy?
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 are paid out in full. This one-time lump sum payment helps the insured by providing cash quickly
Q2: What are the exclusions?
- Pre-existing conditions (Please see Question 5 for more details)
- 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) - 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:
- you had received or are receiving treatment;
- medical advice, diagnosis, care, or treatment has been recommended;
- clear and distinct symptoms are or were evident;
- its existence would have been apparent to a reasonable person in the circumstances.
In particular, no benefit will be paid out if
- The insured was diagnosed as having deafness before reaching age 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:
- 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)
Q6: I have been diagnosed with HIV / AIDS. Can I make a claim?
HIV infection, an 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
- If the first critical illness you are diagnosed with is AOITCA, then the payout will be 10% of the sum assured
- 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 program and would have received an email notification if you are covered. The policyholder is Gigacover Pte Ltd, the administrator of the Gigacover program.
Q10: Do I have the option to increase my coverage?
Currently, there is no option to upgrade your coverage.