FWD International Health Insurance Review
Good for
- Consumers seeking high-value international health insurance
- Healthy consumers looking for high coverage limits
Bad for
- Women who need maternity coverage
- Those looking to purchase optional benefits separately
- Consumers over 65
The FWD International Health Insurance Plan is one of the most affordable international plans. While the lower limit plan lacks coverage for certain conditions, a higher final plan provides many benefits for attractive prices, attracting value-conscious consumers. However, consumers who need pregnancy or outpatient benefits can find better value with other insurance companies.
Summary of FWD International Health Insurance
- S$2 and S$3 million plans are some of the highest-value options on the market
- Below-average premiums for hospitalization coverage
- Expensive to add outpatient, maternity, and dental coverage
Policy Exclusions
FWD's exclusions are fairly standard, with major exclusions including pre-existing conditions, STDs, and deliberate self-injury. Accidents or injuries that occur during the course of hazardous occupations such as fire-fighting, police, diving, oil rigging, and air force services will not be covered as well.
- Pre-existing conditions
- Congenital Conditions (for plans less than S$1m annual limit)
- STDs
- Gender Reassignment
- Conception & fertility treatments
- Personality disorders
- Sleep disorders
- Developmental disorders
- Deliberate self-inflicted injury or suicide
- Genetic testing/Stem Cell treatment
- Sleep and Eating disorders
- Death or injury from professional sports involvement
The coverage of FWD insurance branches is in the following regions: Hong Kong, Macau, Singapore, Indonesia, Japan, Philippines, Thailand, and Vietnam.
Get Quote: https://www.fwd.com/en/
FWD International Health Insurance Review - FAQ
1. What is FWD International Health Insurance?
FWD International Health Insurance is a comprehensive health insurance plan designed for expatriates and international travelers. It offers coverage for medical expenses incurred outside the policyholder's home country.
2. What does the policy cover?
The policy typically covers a range of healthcare services, including:
- Hospitalization and inpatient care
- Outpatient treatment
- Emergency medical evacuation
- Maternity care
- Prescription medications
3. Are pre-existing conditions covered?
Coverage for pre-existing conditions may vary based on the specific plan. It is essential to review the policy terms or consult with a representative for details.
4. How do I file a claim?
To file a claim, policyholders usually need to:
Complete a claim form.
Provide required documentation (receipts, medical reports).
Submit the claim through the designated online portal or via email.
5. Is there a network of hospitals?
FWD typically has a network of partner hospitals and clinics. Using these facilities may simplify the claims process and provide direct billing options.
6. Can I customize my coverage?
Yes, FWD allows policyholders to customize their plans based on their needs, including adjusting coverage limits and adding extra benefits.
7. How do I contact customer support?
Customer support can be reached through:
Phone: [Insert phone number]
Email: [Insert email address]
Online chat on the FWD website
8. What are the payment options?
FWD usually offers various payment options, including credit cards, bank transfers, and online payment through their website.
9. Is the insurance valid worldwide?
Yes, FWD International Health Insurance generally provides worldwide coverage, though specific exclusions may apply in certain regions.
10. How do I renew my policy?
Renewal procedures can often be completed online through the FWD portal, where policyholders can review their coverage and make necessary adjustments.
If you have any more questions, feel free to reach out to FWD customer support for assistance!
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