You can submit your claim online in a few easy steps.
Sign in to your FWD Online services account to start.
Alternatively, click here to submit your claim via our webform.
Our Claims team will review your claim submission and send you an email acknowledgement within the next 2 working days.
Hospital Accommodation
We will pay for daily hospital accommodation charges, up to the limit stated in the table of benefits, when you are hospitalized within the coverage area for an eligible treatment.
Worldwide Emergency Treatment
We will pay for the full hospitalisation charges arising out of an emergency treatment if you are traveling outside of your selected coverage area. In the event such treatment is due to an Illness, the maximum benefit payable is capped at S$25,000. Treatment due to an accident is covered in full, up to your chosen annual limit.
Hospital Charges
If you are hospitalised or admitted as a day patient, we will pay for all of the costs up to the limit stated in the table of benefits.
We will also pay for the reasonable cost of home nursing up to the limit stated in the tTable of bBenefits when following a Hospitalisation and meeting the criteria set out in the policy.
In the event a child is hospitalised, we will pay for the cost of one parent or guardian to stay with the child in the same hospital room, up to the limit stated in the table of benefits, so long as it is permitted by the hospital.
To make a hospitalization claim, please provide the following documents:
- Invoices/billing details/receipts
- Inpatient Discharge Summary
- Medical report, if any
- Any other supporting document(s)
Please call us at +65 6715 9919 if you need any emergency assistance and/or request for Letter of Guarantee (LOG)
Accidental Dental Treatment
We will pay for restorative dental treatment required to treat or replace natural teeth lost or damaged following an accidental injury to the mouth within 30 days of the Injury, up to the limit stated in the table of benefits.
To make an accidental dental treatment claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report, if any
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Any other supporting document(s)
Cancer Treatment
We will pay for cancer treatment costs either when hospitalized or as an outpatient, up to the limit stated in the table of benefits.
To make a cancer treatment claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Any other supporting document(s)
Kidney Dialysis Treatment
We will pay for the treatment costs for kidney dialysis when hospitalized or as an outpatient, when it is medically necessary, up to the limit stated in the table of benefits and meeting the criteria set out in the policy.
To make a kidney dialysis treatment claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Any other supporting document(s)
Organ Transplant
We will pay for medical expenses related to the transplants set out in the policy when it is medically necessary, up to the limit stated in the table of benefits:
Please call us at +65 6715 9919 if you need any emergency assistance and/or request for Letter of Guarantee (LOG)
Pregnancy Complications
We will pay for hospitalization that is medically necessary for maternity related conditions and/or life threatening to the mother, up to the limit stated in the table of benefits.
To make a pregnancy complications claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Any other supporting document(s)
HIV/AIDS Treatment
We will pay for treatments of HIV/AIDS, its symptoms and its related illnesses and conditions, up to the limit stated in the table of benefits, where the condition is confirmed and documented as having been contracted due to a blood transfusion or occupational accident.
To make a HIV/AIDS treatment claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Drugs prescription
- Any other supporting document(s)
Psychiatric Treatment
We will pay for hospitalization treatment for psychiatric illnesses that are managed by a qualified psychiatrist, up to the limit stated in the table of benefits and meeting the criteria set out in the policy.
To make a psychiatric treatment claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Drugs prescription
- Any other supporting document(s)
Congenital Conditions
We will pay for medically necessary treatments of a congenital condition manifesting more than 60 days after birth, up to the limit stated in the table of benefits after the insured person has been continuously covered under the policy for 12 months.
To make a congenital conditions claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Any other supporting document(s)
Pre-Hospitalization Treatment
We will pay for outpatient specialist consultations and the diagnostic tests the specialist may prescribe, up to the limit stated in the table of benefits, only when related to a subsequent eligible hospitalization of the insured person. We will also pay for any medication or drug prescribed by a specialist to prepare the insured person for that hospitalization. This benefit applies only to the 90 days prior to the related hospitalization.
To make a pre-hospitalization claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Referral letter
- Any other supporting document(s)
Post-Hospitalization Treatment
We will pay for outpatient treatments related to and following a hospitalization or day-care treatment, up to the limit stated in the table of benefits, if the treatments are prescribed by the medical practitioner responsible for your hospitalization care. This benefit applies only to the 90 days after discharge.
To make a post-hospitalization claim, please provide the following documents:
- Invoices/billing details/receipts
- Medical report
- Laboratory referral and report
- X-ray/ultrasound/MRI result
- Drugs prescription
- Any other supporting document(s)