FWD Insurance

FWD is the insurance arm of Pacific Century Group, a Hong Kong-based private investment company founded in 1993 by Richard Li. FWD was founded in 2013 in Hong Kong, Macau, and Thailand, and subsequently expanded to Indonesia, Philippines, and China a year later. FWD entered Singapore and Vietnam in 2016.

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What you should know about FWD Insurance

FWD does not offer any local hospitalisation plans aka Integrated Shield Plans (IPs) to supplement your MediShield Life health insurance. Instead, FWD offers an international health insurance for expats or Singaporeans relocating abroad to work or study.
Some of FWD's most popular insurance policies include their travel insurance, car insurance, and maid insurance. Do note that FWD travel insurance does not cover COVID-19 as it is a known global event.

FWD Health Insurance Plans

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What is FWD International Health Insurance?

FWD does not offer any local hospitalisation insurance aka Integrated Shield Plan (IP) for Singaporeans or Permanent Residents (PRs) to supplement the MediShield Life health insurance plans. Instead, FWD offers a series of critical illness insurance plans such as cancer, stroke, heart attack, or 3-in-1 plans. Also, FWD offer an international health insurance plan.

Who

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.

What

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.

Riders

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.

Why choose FWD Insurance?

Aside from the core overseas hospitalisation, cancer and kidney dialysis treatment, emergency treatment, accidental dental, home nursing, and pre- and post-hospitalisation treatment benefits, you get to choose to add on riders to meet your specific lifestyle and medical needs. The 4 riders you get to choose from namely are: Outpatient treatments (include physiotherapy), Dental, Vision, and Maternity.
As international health insurance premiums tend to be costly, the FWD International Health Insurance plan comes with a deductible option so that you can keep your annual or monthly premiums lower – but you will have to pay deductibles when you eventually make claims from your policy.

FWD International Health Insurance Options

FWD offers options (similar to the concept of riders) for the FWD International Health Insurance plan for you to customise the overseas medical coverage you receive to suit your lifestyle and medical needs. FWD offers 4 options for FWD International Health Insurance policyholders, namely the Outpatient Benefit, Dental Benefit, Vision Benefit, and Maternity Benefit.

Option 1

Outpatient Benefit

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.

Option 2

Dental Benefit

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.

Option 3

Vision Benefit

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.

Option 4

Maternity Benefit

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.

FWD International Health Insurance Summary

While FWD does not offer any local hospitalisation or health insurance plans such as the Integrated Shield Plans (IPs) to supplement your MediShield Life health insurance plan provided by the Ministry of Health (MOH), FWD offers an International Health Insurance plan offering you medical coverage abroad if you are relocating overseas to work or study.


To apply for the FWD International Health Insurance, you will need to be aged between 18 and 65, and have a valid NRIC or FIN (residing in Singapore). The plan offers you between S$100,000 to S$3 million of coverage per year for overseas medical expenses such as hospital charges, cancer and kidney dialysis treatments, pre- and post-hospitalisation treatments, and home nursing.


There are 4 options available for this plan that 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.

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All FWD Health Insurance Plans

FWD International Health Insurance

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).

FWD Cancer Insurance

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.

FWD Big 3 Critical Illness Insurance

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.

FWD COVID-19 Insurance

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.

FWD Heart Attack Insurance

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.

FWD Stroke Insurance

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.

What types of insurance does FWD Insurance offer?

FWD offers 16 types of insurance for individuals and businesses, such as travel insurance, maid, home, term life, critical illness, cancer, personal accident, car, motorcycle, COVID-19, and more.

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Types of Insurance offered by FWD Insurance

1

Car and Motorcycle

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.

2

Home Insurance

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.

3

Personal Accident

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.

4

Heart Attack Insurance

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.

5

International Health

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.

6

Endowment

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.

7

Critical Illness, Cancer, Stroke

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.

8

Investments

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.

9

Travel Insurance

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.

10

Term Life

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.

11

Maid Insurance

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.

12

HDB Fire

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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How to apply for your Health Insurance plan

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Applying for a Health Insurance plan through MoneySmart

Step 1

Answer Some Questions

Don't have time to compare all the different health insurance plans in Singapore for foreigners? Answer some questions and let our intelligent system find the best health insurance plan for you.

Step 2

Speak To Our Insurance Specialists

After you submit your quiz, our expert insurance specialist team members may drop you a call to clarify your needs and explain your options to you. Seize this chance to ask our friendly colleagues the burning questions you may have about health insurance!

Step 3

Apply And Purchase Your Health Insurance

Once you have spoken to our insurance specialists, considered your options, and planned your finances, you are ready to apply for your health insurance plan online through our portal.

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FWD Health Insurance Claims

If you have a FWD car, motorcycle, home, medical, or travel insurance claim, do file it as soon as possible within 30 or 90 days (or less depending on your policy). If you miss the eligible claims period, you may no longer be able to file your particular bill for claims.

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How Does FWD Health Insurance Claims Work?

  • International Health Insurance Claim

    If you have any medical claims, you must file it within 90 days. All accidental death and disability claims must be filed within 30 days. For core benefits of the plan, such as hospitalisation, accidental death and disability, medical evacuation, and repatriation claims, call FWD Singapore hotline at (+65) 6715 9919. For all other optional benefits that you may have added on to your FWD International Health Insurance, namely the Outpatient, Dental, Vision, and Maternity benefits, visit the FWD Online Services customer portal, login with your user ID and password, upload all supporting documents, invoices, receipts, prescriptions, and medical records. You will then receive an acknowledgement email.

  • Travel Insurance Claim

    If you have any FWD travel insurance claims, you will need to file them within 30 days from the incident. To ensure that your emergency overseas medical expenses are eligible for claims, login to your FWD Flyer mobile app to ensure that you seek treatment at authorised doctors and hospitals. Whether you are making a medical, death, hospital, theft, damage, or delay claims, login to the FWD Online Services customer website with your user ID and password to upload all supporting documents such as receipts, reports, prescriptions, and tickets to file a claim.

How Does FWD Health Insurance Claims Work?How Does FWD Health Insurance Claims Work?

  • Car Insurance Claim

    If you were involved in a car accident and you hold a FWD car insurance policy, immediately call the FWD Emergency Assistance hotline at (+65) 6322 2072 to seek roadside assistance. The FWD customer service will then guide you to drive or tow your car to a FWD Premium Workshop or your designated workshop. If you visit a FWD Premium Workshop, your claims can be filed directly through the workshop. Otherwise, login to the FWD Online Services customer portal to submit any documents, reports, evaluations, and bills to file a claim. If your car was stolen or your windscreen is damaged, call the FWD Emergency Assistance hotline at (+65) 6322 2072.

Frequently Asked Questions

What does FWD Insurance stand for?

FWD insurance is the insurance division of the Hong Kong-based private investment group, Pacific Century Group, and was formerly known as "ING Hong Kong" before it was renamed to "FWD Hong Kong". The name "FWD" is an acronym for the company's name in mandarin, "富衛 (Fú Wèi)", which can be literally translated to mean "wealth" and "protection".

How to cancel FWD insurance?

There are 3 ways you can pay for your FWD insurance online – via credit card, Visa or MasterCard debit cards, or GIRO. You will then have to choose your payment frequency – monthly, quarterly, half-yearly, or yearly. If you are looking to arrange for a recurring GIRO payment, you can download the Interbank GIRO Application form from the FWD website's "Forms" section. If you are a FWD insurance policyholder and are looking to change your payment method, you will need to email the FWD customer service team to facilitate the change. If you missed your FWD premiums payment, you will need to call the FWD customer service hotline at (+65) 6820 8888 to have the FWD team assist with your payment. Do note that you will need to pay up within 62 days, else your policy will be terminated.

How to pay FWD insurance online?

There are 3 ways you can pay for your FWD insurance online – via credit card, Visa or MasterCard debit cards, or GIRO. You will then have to choose your payment frequency – monthly, quarterly, half-yearly, or yearly. If you are looking to arrange for a recurring GIRO payment, you can download the Interbank GIRO Application form from the FWD website's "Forms" section. If you are a FWD insurance policyholder and are looking to change your payment method, you will need to email the FWD customer service team to facilitate the change. If you missed your FWD premiums payment, you will need to call the FWD customer service hotline at (+65) 6820 8888 to have the FWD team assist with your payment. Do note that you will need to pay up within 62 days, else your policy will be terminated.

Is FWD insurance good?

FWD's car and travel insurance plans are reliable, offers decent and competitive coverage, benefits, and good value for money, and are considerably popular. If you are a HDB homeowner, chances are you may already have the recurring 5-year FWD HBD Fire insurance plan for FWD is the appointed insurance company for the HDB Fire Insurance Scheme.

Who owns FWD insurance?

FWD Group is owned by Richard Li, the Hong Kong businessman who founded the private investment company, Pacific Century Group. Richard Li is also famously the younger of 2 sons of Hong Kong tycoon and billionaire, Li Ka-shing.

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