Frequently Asked Questions About ComfortProtect

Product & Coverage

What is ComfortProtect?

ComfortProtect is the only Personal Accident Insurance offered by a local point-to-point transport operator that provides coverage beyond the car ride and up to 24 hours, as well as 14 days of COVID-19 coverage. ComfortProtect is priced affordably at just S$0.30 (inclusive of GST) per policy.

Which Insurer underwrites ComfortProtect?

ComfortProtect is underwritten by HL Assurance Pte Ltd (HLAS) and is exclusively distributed by ComfortDelGro Taxi. HLAS is a member of Hong Leong Group, a leading conglomerate with diversified businesses in banking and financial services, manufacturing and distribution, property development and investments, hospitality and leisure, and principal investment with presence in Asia, Europe, North America and Oceania. It is also a licensed general direct insurer with the Monetary Authority of Singapore and is also a member of the General Insurance Association in Singapore.

What does the ComfortProtect Policy cover?

ComfortProtect covers:

  • Accidental Death and Permanent Total Disability – Up to S$50,000 per claim. If you have suffered an injury within 12 months from the time it happened and it is the sole cause of your Death or Permanent Total Disability, HLAS will pay you the relevant percentage as set out in the Scale of Compensation, up to the Benefit Limit.
  • COVID-19 Cash Benefit – S$500 per claim: HLAS will pay you the Benefit Limit if you
    (a) had taken a COVID-19 Polymerase Chain Reaction (PCR) test and are tested positive for COVID-19 within 14 days from the date of your car ride as specified in the latest Policy schedule issued to you; and
    (b) are hospitalised to receive in-patient treatment for a consecutive period of at least 3 days.

Who are eligible to purchase ComfortProtect?

You are eligible to purchase ComfortProtect if you are between the age of 18 and 65 years old. You must be a Singapore Citizen, Permanent Resident or a foreigner holding a valid pass issued by Singapore government and is residing in Singapore. You must also not be employed in any of the professions listed in the “General Exclusions” terms of ComfortProtect.

How am I covered if I have made multiple purchases of ComfortProtect within the same day?

When you purchase multiple ComfortProtect polices within the same day, the subsequent policy’s 24-hour coverage for Personal Accident starts after the first policy ends, and up to a maximum of 90 days of coverage.

For the COVID-19 Cash Benefit coverage, there will only be one active coverage at any given time. The coverage period will be effective 14 days from the latest ride’s date.

Please also refer to “Illustrations of Multiple Purchases of ComfortProtect Policies” in the later section of these FAQs.

In-App Purchase

Where can I purchase ComfortProtect?

ComfortProtect can be purchased exclusively via the ComfortDelGro Taxi Booking App and is only available for the ComfortRIDE fixed fare booking option. ComfortProtect will be introduced to the Metered Fare booking option at a later date.

On the App’s booking screen, simply enter your destination(s), then select ComfortRIDE. While waiting for your driver or when you are onboard before the trip ends, you can select “Activate Insurance” on our App’s ComfortProtect menu. Fill up a simple registration form, and you will be able to purchase ComfortProtect for the trip.

Please note that you must use a cashless payment mode (all except for Cabcharge) in the App, in order to purchase ComfortProtect.

Can I purchase ComfortProtect during my car ride?

So long as you have booked ComfortRIDE and used a cashless payment mode (all except for Cabcharge) in the App, you can opt-in to purchase ComfortProtect before the trip ends. The policy will take effect from the time you go onboard the vehicle.

Can I use any promo code to purchase ComfortProtect?

You can apply any available promo code to the total fare amount, which include the ComfortProtect insurance premium. The promo code must be applicable to the cashless payment mode you have chosen in the App to make the purchase.

Can I purchase ComfortProtect for other passengers (e.g. my family members, friends) who are with me on the same ride?

ComfortProtect’s coverage is only extended to the passenger who has booked the ComfortRIDE and made the ComfortProtect purchase via the ComfortDelGro Taxi Booking App. It does not cover other passengers on the same ride.

Can I opt-out from purchasing ComfortProtect policy for my next ride?

Once you have opted in and activated ComfortProtect, the policy purchased will be automatically applied on each of your subsequent ComfortRIDE bookings.

However, you can always opt-out from purchasing ComfortProtect for your next ComfortRIDE booking. Simply go to the ComfortProtect menu in the App, and tap “Deactivate Insurance” before you make your ComfortRIDE booking.

When will I receive the policy documents for the ComfortProtect policy I have purchased?

Your ComfortProtect Policy Schedule will be sent to your email address at the time when your booked ComfortRIDE starts.

Claims

How do I make a claim under ComfortProtect?

First you will need to download the claim form from this link. Email your completed claim form and supporting documents to: claims@hlas.com.sg.

Please quote your ComfortProtect policy number on all correspondences. Do note that HLAS should be notified within 14 days from the injury.

Contact

What should I do if I have further enquiries on ComfortProtect?

Please contact HL Assurance Customer Care Hotline at 6702 0202 (Mon – Fri, 9.00 am – 6.00 pm) or email your questions to service@hlas.com.sg

Illustrations of Multiple Purchases of ComfortProtect policies

Illustration 1 - Multiple Purchases of ComfortProtect Policies (Coverage for Personal Accident Component):

Taxi Ride Date & Time ComfortProtect Personal Accident (Death and TPD) Component
Policy Coverage Start Policy Coverage End
21 June 2021 10AM 21 June 2021 10AM 22 June 2021 10AM
21 June 2021 2PM 22 June 2021 10AM 23 June 2021 10AM
22 June 2021 7AM 23 June 2021 10AM 24 June 2021 10AM

 

Illustration 2 - Multiple Purchases of ComfortProtect Policies (Coverage for Personal Accident Component):

Taxi Ride Date & Time ComfortProtect Personal Accident (Death and TPD)
Policy Coverage Start Policy Coverage End
21 June 2021 10AM 21 June 2021 10AM 22 June 2021 10AM
22 June 2021 1PM 22 June 2021 1PM 23 June 2021 1PM

Illustration 3 - Multiple Purchases of ComfortProtect Policies (Coverage for Covid-19 Cash Benefit Component):

Taxi Ride Date & Time ComfortProtect Covid-19 Cash Benefit Component
Policy Coverage Start Policy Coverage End Most Recent Taxi Ride
21 June 2021 10AM

X

(Applicable Coverage Period as per Most Recent Taxi Ride)

 

21 June 2021 2PM
22 June 2021 7AM 22 June 2021 6 July 2021

If the Insured is tested positive from a Covid-19 PCR test on 24th June 2021 and hospitalised for inpatient treatment for at least 3 consecutive days, the Covid-19 Cash Benefit is payable.