FWD Health Insurance

The FWD International Health Insurance is meant for foreigners or expats relocating to Singapore, or Singaporeans and Permanent Residents (PRs) relocating overseas to work as an expat, or to study. You will need to be aged between 18 and 65, and have a valid NRIC or FIN.

You will be covered for overseas hospital charges, cancer and kidney dialysis treatments, pre- and post-hospitalisation treatments, and home nursing. Your annual claim limits varies depending on the sum you chose to be insured for, between S$100,000 to S$3 million per year.

FWD offers 4 optional riders for this plan which you can choose to add on to suit your lifestyle and medical needs, namely the Outpatient Benefit for GP, TCM, health check-ups and vaccines, Dental, Vision, and Maternity.

The Outpatient Benefit extends your FWD International Health Insurance coverage to include prescribed medicines and visits to the General Practitioner (GP), any Traditional Chinese Medicine (TCM) treatments, health check-ups, and vaccinations. Coverage and claim limit varies according to your choice, from S$5,000 to full coverage a year.

The Dental Benefit extends your FWD International Health Insurance coverage to include routine dental checks, extractions, dental implants, and crowns. Coverage ranges from S$750 to S$1,400 a year.

The Vision Benefit extends your FWD International Health Insurance coverage to include eye checks, and eyeglasses or contact lenses. Coverage ranges from S$100 to S$300 every 2 years.

The Maternity Benefit extends your FWD International Health Insurance coverage to include cost of delivery, and pre- and post-delivery treatments and check-ups. Coverage ranges from S$8,000 to S$20,000 a year.

If you are a Singaporean relocating overseas for work or study, or an expat working in Singapore, FWD offers an international health insurance for you. If you are a Singaporean, this international health insurance supplements your Integrated Shield Plan (which offers you local medical coverage) by offering you medical coverage abroad in your choice of country. You will also get to choose your doctor or specialist of choice, enjoy a No Claim Bonus (meaning your annual claim limit will double if you do not make any overseas hospitalisation claims in 2 years – which is great 'cause you're in good health!), and a S$500,000 accidental death and disability benefit. Do note that an international health insurance is different from a travel insurance – the latter which is usually short-term, capped at 3 months coverage, and only covers you for emergency medical treatments (aka life or death situations).

If you are between 18 and 65 years old, currently a Singaporean or Permanent Resident (PR), FWD offers a cancer insurance plan which gives you a full 100% lump-sum payout in the event you are diagnosed with cancer – all stages of cancer, including early stages. If you are a FWD cancer insurance policyholder and have received a cancer diagnosis, call the FWD customer hotline to submit your medical records for review, and go through the review with FWD in a video conference. While you do not need to attend a full health checkup to apply for the FWD cancer insurance, if FWD investigates and finds any pre-existing conditions in your medical records that may have led to your cancer diagnosis, you will not be able to make your cancer claim.

If you are a Singaporean or Permanent Resident (PR) between 18 and 65 years old, FWD offers a Big 3 Critical Illness Insurance which includes coverage for cancer, heart attack and stroke – 3 of the most common critical illnesses in Singapore. Upon diagnosis of cancer, heart attack, or stroke, you can make a claim to receive your assured lump-sum payout. However, if your diagnosis is linked to any pre-existing conditions, you will not be able to make a claim. Finally, you can opt to add an optional Heart Disorders rider or Neurological Disorders rider to include coverage for 24 more conditions related to brain or heart functions.

For S$28, you can purchase FWD's COVID-19 insurance for 100 days of coverage against COVID-19. You will also receive a S$100 daily Intensive Care Unit (ICU) allowance up to 14 days while you are in the ICU. Post-hospitalisation, you will also receive a S$800 lump-sum cash payout to help with any follow-up outpatient treatments. In the event of death, your family will receive a S$50,000 death payout.

If you are a Singaporean or Permanent Resident (PR) between 18 and 65 years old, you will be eligible for FWD's heart attack insurance which offers coverage for Heart Attack of Specified Severity (your diagnosis must not be linked to any pre-existing conditions you had before). Upon diagnosis from your doctor or specialist, you can make a claim, go through the necessary investigations, and you will receive your sum insured or total premiums paid. In the event of death, your family will receive a S$5,000 death benefit payout.

If you are a Singaporean or Permanent Resident (PR) between 18 and 65 years old, you will be eligible for FWD's Stroke insurance which offers you coverage for Stroke with Permanent Neurological Deficit. If you do get diagnosed with Stroke with Permanent Neurological Deficit, you can make a claim to receive your lump-sum payout. In the event of death, your family will receive a S$5,000 death benefit. You can also opt to add an optional Neurological Disorders rider to include coverage for 11 more conditions related to your brain function.

FWD offers 3 types of car insurance plans with NCD (No Claims Discount) guarantee, repairs at FWD workshops, roadside assistance, excess from S$750, tows, transport allowance, windscreen repairs, medical expenses, and more. For motorcycles, FWD offers third party only, third party with fire and theft, and comprehensive plans with NCD guarantees, roadside assistance, unlimited legal liabilities, and riders to include overseas coverage, hospitalisation expenses, daily transport allowance, and young rider excess waiver.

FWD's customisable home insurance for home owners include coverage for your house's building, furniture, domestic appliances, audio visual equipments, renovations, accidental losses or damages, including mirrors, glass, tenancy dispute, electrical, plumbing, and air-con services. Riders available to include personal accident coverage for dogs, cats, and family members. FWD's home insurance for tenants include coverage for liabilities, losses, or damages you may have incurred to your landlord, including furniture, appliances, AV equipment, alternative accommodation, accidental loss or damages, and more.

FWD offers 5 types of personal accident insurance plans with wealth, disability, guardian angel, and medical expense coverage (either a S$100k, S$200k, S$300k, S$500k, and S$1m claim limit). Riders are available to include daily hospital income replacement, disability income benefit, and damage of any personal electronic devices. FWD's Personal Accident (PA) insurance covers dengue and COVID-19 too.

FWD's heart attack insurance plan offers you a lump-sum payout (the amount chosen by you when you apply) in the event of a heart attack, and a death payout of S$5,000. You can choose to add a rider to increase your coverage to include 13 other conditions that are related to heart attacks. Also, do note that if you have an existing FWD 3-in-1 Critical Illness plan, you will not be eligible for this plan.

If you are an expat relocating to Singapore, or a Singaporean relocating abroad to work or study, FWD offers an international health insurance plan to offer you coverage for hospitalisation, pre- and post-hospitalisation, nursing, cancer, and kidney dialysis treatments around the globe. Optional riders are available for you to include General Practitioners (GP), TCM, health check ups, vaccines, dental, vision, and maternity coverage.

FWD offers a short-term 3-year endowment plan that allows you to insure even small amounts between from S$1,000 and S$18,000 at a guaranteed return rate of 2.02% per annum at the end of 3 years. The endowment plan has stopped accepting new applications, but you are still able to sign up for the mailing list to receive notifications when applications reopen.

FWD offers a "Big 3 Critical Illness" plan for cancer, heart attack, and stroke which basically offers you a lump-sum payout in the event you're diagnosed with one of the 3 common critical illnesses (including all stages of cancer). In the event of death, your family receives a death benefit lump-sum payout of S$20,000. You're also guaranteed renewal of up to age 85. There are 2 riders available to extend your lump-sum payout coverage to other heart disorders or neurological disorders.

FWD's COVID-19 insurance offers you 100 days of coverage for COVID-19 at S$28. Benefits include a S$100 daily Intensive Care Unit (ICU) allowance up to 14 days, outpatient treatment, post-hospitalisation S$800 cash benefit, S$50,000 death benefit, or S$100k death benefit if you work as a frontline staff.

FWD's travel insurance allows book online consultations, browse FWD panel clinics worldwide, and to submit claims on the FWD Flyer mobile app. Other key benefits include unlimited medical evacuation, sports equipment coverage, and haze-related flight delay coverage. This plan, however, does not cover COVID-19 related medical expenses or trip interruptions or delays as COVID-19 is considered a known event.

FWD offers 2 Term insurance plans, namely the Term Life Plus (either fixed term or renewable up to age 100) or the FWD Essential Life (renewable up to age 85) available here on MoneySmart that you can scroll up and purchase directly online. FWD Essential Life offers you coverage of up to S$750k, with the option of a cancer rider for 100% lump-sum payout in the event of a cancer diagnosis.

According to the Ministry of Manpower, it is mandatory for you to purchase maid insurance for your foreign domestic worker or helper with stipulated minimum coverage and limits you have to abide by. FWD's maid insurance includes online consultations, security bond to the MOM, refund upon cancellation, and covers pre-existing conditions. You can opt for riders to extend healthcare coverage for your domestic helper.

FWD's HDB Fire insurance is a 5-year insurance plan offering your HDB flat's building, structure, fixtures, and fittings that were installed by the HDB against fires. Your personal furnitures and any fixtures you installed personally will not be covered. If you have a HDB mortgage loan, it is mandatory for you to purchase the HDB fire insurance.

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