For occupation-related accidents, what insurance products do FWD offer?

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• For purchase of Personal Accident insurance, what should I indicate for the occupation group if I have just completed my National Service or am currently unemployed?
• Does FWD’s Personal Accident insurance product cover infectious diseases like Dengue, Malaria?
• Must I inform FWD if I change my job?
• Is my cover active right away or do I have a waiting period? I may travel overseas sometimes, does FWD’s Personal Accident insurance product cover me?
• Does FWD Personal Accident insurance cover hospitalisation and surgery costs?