FWD Personal Accident Insurance

FWD offers a personal accident insurance which is designed to provide cover and compensation in case of accidents and resulting hospitalisation. There are 5 different plans that you can choose from, each of them designed to provide cover in a number of different situations. This insurance plan provides financial compensation and emergency evacuation services, all over the globe.

Cover Offered by This Plan

You are entitled to the following benefits if you choose to go with this insurance plan:

  • Overseas medical evacuation.
  • Dedicated 24-hour hotline for emergencies.
  • Overseas phone charges of S$300.
  • S$500 for ambulance charges for hospital transfer in case of an accident.

Here are the details of the cover offered by this plan:

Benefits 100k Plan 200k Plan 300k Plan 500k Plan 1000k Plan
Accidental death cover  S$100,000 S$200,000 S$300,000 S$500,000 S$1,000,000
Accidental TPD cover  S$100,000 S$200,000 S$300,000 $500,000 S$1,000,000
Guardian Angel benefit(per year)   S$100,000 S$200,000 S$300,000  S$400,000 S$500,000
Weekly Benefit for temporary disability   N.A N.A N.A S$300 S$500
Medical Expenses S$2,000 S$4,000 S$6,000 S$10,000 S$15,000
Treatment by Chinese Physician S$500 S$600 S$700 S$1,000 S$1,500
Physiotherapy Expenses S$1,000 S$1,500 S$2,000 S$3,000 S$5,000
Daily Hospital Income  N.A  N.A  N.A S$300 S$500
Mobility and prosthesis S$500 S$1,000 S$2,000 S$3,000 S$5,000
Home modifications S$10,000 S$15,000 S$20,000 S$30,000 S$50,000
Daily Taxi Allowance S$20 S$30 S$40 S$60 S$100
Personal Liability S$100,000 S$200,000 S$300,000 S$400,000 S$500,000
Ticketed Event cancellations S$100 S$200 S$300 S$500 S$1,000
Optional Benefits
Daily Hospital Income S$50 S$100 S$200 Included in policy Included in policy
Weekly Income Benefit S$50 S$100 S$200 Included in policy Included in policy
Damage to electronics S$500 S$1,000 S$1,500 S$2,000 S$3,000
Additional TPD Cover S$50,000 S$100,000 S$150,000 S$250,000 S$500,000
Overseas medical expenses S$4,000 S$8,000 S$12,000 S$20,000 S$30,000
Enhanced TPD Cover S$100,000 S$200,000 S$300,000 S$500,000 S$1,000,000

General Exclusions

This section outlines certain situations which are not covered under this policy. Some of the exclusions from this policy are as follows:

  • Claims arising out of willful participation in any illegal activities.
  • Cases or accidents as a result of infectious diseases.
  • Treatment as a consequence of self-harm or suicide attempt.
  • Claims resulting from pre-existing medical conditions or physical defects.
  • Treatment of cases arising out of you being intoxicated or taking illegal drugs.
  • Sexually transmitted diseases will not be covered by this policy.
  • Accidents caused by acts of war, terrorism, and riots will not be covered.
  • Complications related to pregnancy, childbirth, miscarriage, and abortion will not be covered by this insurance plan.
  • Medical surgery that is not deemed medically necessary will not be covered by this policy. 

Eligibility Criteria

In order to purchase this policy, you have to meet the following conditions:

  • You should hold a Singapore identification document that includes your NRIC or a Foreign Identification Number (FIN).
  • You should be aged 65 years or below.
  • You must not have been denied a renewal for any personal accident insurance.
  • You should not have a personal accident policy cancelled by the insurer.
  • There should be no exposure to additional hazards or risks, during work.

How to Buy This Insurance Plan

You can purchase this plan by visiting the website and downloading the form. You need to fill in the form and attach it with all the necessary documents. Once you are done filling up the form, you can just submit it back to FWD.

Claims Process

If you want to make a claim for a situation covered under this policy, you need to inform FWD about the incident within 30 days. You can make a claim by accessing the claims portal present on the website and downloading the form. You need to fill all the pertinent information in the claims form and attach all the necessary documents. You can also call the emergency assistance number in order to make a claim.

Documents Required

Here are some of the documents that you may be required to furnish while submitting the claim:

  • Medical reports
  • Copies of medical bills
  • Police report ( if applicable)
  • English translation of documents, if required

Cancellation Policy

FWD reserves the right to cancel your insurance policy anytime, by giving you a seven days’ notice. A letter stating the same will be sent to your registered postal address. You will be given a full premium refund of the remaining period on your policy, on a pro-rata basis.

If you choose to cancel your plan, you can do so by sending a letter to FWD. In case you cancel your policy within 14 days of the commencement date you will get a 100% refund. You will only get the refund in this time period if there has been no prior claim. Here is what your refund will look like, depending on when you want to cancel the plan:

Time Remaining on the Policy Premium Refund
11 Months 75% of premium
10 Months 65% of premium
9 Months 55% of premium
8 Months 45% of premium
7 Months 35% of premium
6 Months 30% of premium
5 Months 25% of premium
4 Months 20% of premium
3 Months 15% of premium
2 Months 10% of premium
1 Months 5% of premium
0 Months No refund

Contact Information

If you have any queries regarding the policy or are unsatisfied with any aspect of the policy, you can contact the customer service team on +65 6820 8888. You can also visit the company website and register your concern on the portal.

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