If you add on either FWD CI Rider or FWD Total CI Rider to your FWD Future First policy (base plan), we will provide you access to this benefit if you have been diagnosed or is suffering from one of the covered critical illness conditions. Through our service provider, MediGuide International, LLC, from Delaware USA, the Medical Second Opinion Benefit will allow your diagnosis or treatment plan to be evaluated by some of the world-leading medical centres. MediGuide will recommend three medical institution options for you to choose from to review your diagnosis or treatment plan. This benefit is provided with no out-of-pocket costs or travel requirements from you.
The medical second opinions are provided in writing and with background information on the advising doctors and medical centres. We will pay for the services through our panel of service providers. As long as your rider cover is in place, there is no limit on how many times you can access this benefit.
Simply call the MediGuide hotline toll free number 800-101-1888 to initiate the benefit. MediGuide will ask for your consent, obtain your relevant medical records and identify three medical centres for you to choose from. You will select one of the three medical centres and receive a written report within 10 business days.
In most cases, the critical illness conditions covered under this rider may be reviewed under the benefit, with the exception of these circumstances:
- Absence of a diagnosis by a qualified physician;
- absence of an evaluation by a treating physician for more than one year; and
- condition is acute or life-threatening (requires immediate medical attention).
Please note that FWD may, at its sole discretion, change the service provider for the provision of the Medical Second Opinion Benefit without prior notice.
For more information on how it works, please click here.