Personal Accident

FWD International Health Insurance: Your Comprehensive Guide to Global Coverage

Are you worried about unexpected medical expenses, especially when traveling abroad? You're not alone. Many people are searching for reliable international health insurance that provides comprehensive coverage without breaking the bank. That's where FWD International Health Insurance comes in. Let's explore how this unique plan can give you peace of mind, no matter where life takes you.

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What is FWD International Health Insurance?

FWD International Health Insurance is a flexible health insurance plan designed to provide comprehensive medical coverage both at home and abroad . It offers a range of benefits, from basic hospitalization to optional outpatient care, dental and vision coverage, and even maternity benefits.

Worldwide Coverage

You're protected 24/7, anywhere in the world.

High Annual Limits

Choose from plans with annual limits ranging from S$100,000 to S$3,000,000.

Customizable Plans

Add optional benefits to tailor the coverage to your needs.

No Medical Check-up

Get covered without a medical examination.

Renewable up to Age 75

Enjoy long-term protection as you age.

Key Features of FWD International Health Insurance

Hospitalization Benefits

  • Hospital accommodation in a standard single room or shared room

  • Worldwide emergency treatment

  • Full coverage for hospital charges, including surgeries and specialist consultations

  • Cancer treatment, kidney dialysis, and organ transplant coverage

  • Pre- and post-hospitalization treatment for up to 90 days

Additional Benefits

  • Hospital cash benefit of S$100 to S$200 per day

  • Accidental death and disability coverage up to S$500,000

  • No claim bonus that increases your annual limit by up to 100%

  • Reload benefit that replenishes your annual limit once per policy year for accident-related claims

  • Medical evacuation and repatriation up to S$1,000,000

Optional Outpatient Benefits

  • Coverage for GP and specialist consultations

  • Prescribed medicines and diagnostic tests

  • Physiotherapy and alternative treatments

  • Psychiatric and psychological care

  • Routine health checks and vaccinations

Optional Dental and Vision Benefits

  • Basic and complex dental work

  • Eye examinations and corrective lenses

Optional Maternity Benefits

  • Pre-natal checkups and treatments

  • Delivery costs, including home births

  • Post-natal treatments

  • Newborn care for up to 30 days from birth

Why compare FWD International Health Insurance with other Personal Accident options through Whatins?

Traditional Approach

  • Limited to one company's definitions
  • May not know about better coverage elsewhere
  • Single view on occupation classifications

Whatins Advantage

  • Compare accident definitions across insurers
  • See how different plans cover various activities
  • Get multiple views on occupation coverage
  • Understand different approaches to sports coverage

In summary: If you want more control and multiple suggestions, then Whatins is the way to go.

What Does It Cover?

FWD International Health Insurance offers six plans with increasing levels of coverage . Here's a simplified breakdown of the main benefits:

Hospitalization Benefits

  • Annual limit: S$100,000 to S$3,000,000

  • Hospital accommodation: Standard Single Room or Shared Room

  • Worldwide emergency treatment: Fully covered for accidents, S$25,000 for illnesses

  • Cancer treatment: Fully covered

  • Kidney dialysis: Up to S$50,000 (for higher-tier plans)

  • Organ transplant: Fully covered

  • Pregnancy complications: Fully covered (after 12-month waiting period)

Additional Benefits

  • Hospital cash benefit: S$100 to S$200 per day

  • Accidental death and disability: S$25,000 to S$500,000

  • Medical evacuation and repatriation: Up to S$1,000,000

Optional Outpatient Benefits

  • Annual limit: S$5,000 to Paid in full

  • Consultations, medications, and diagnostic tests: Fully covered

  • Physiotherapy: 14 visits to Paid in full

  • Alternative medicine: S$500 to S$1,500

  • Routine health checks and vaccinations: Up to S$1,000

Optional Dental and Vision Benefits

  • Basic and complex dental work: Up to S$1,400

  • Frames, lenses, and eye checks: Up to S$300 every 2 years

Optional Maternity Benefits

  • Pre-natal, delivery, and post-natal care: Up to S$20,000

  • Newborn care: Up to S$40,000

How Much Does It Cost?

The cost of FWD International Health Insurance depends on several factors:

  1. Your chosen plan (Annual limit from S$100,000 to S$3,000,000)
  1. Your age
  1. Your occupation class
  1. Optional benefits selected
  1. Deductible option (S$0, S$1,000, S$3,000, S$5,000, or S$10,000)
  1. Coinsurance option for outpatient benefits (10% or 20%)

For example, the annual premium for basic hospitalization benefits can range from about S$176 for a low-risk occupation with a S$100,000 annual limit, to over S$2,245 for a high-risk occupation with a S$3,000,000 annual limit .

Real-Life Examples

Emergency Hospitalization Abroad

Imagine you're on vacation in the United States and have a severe allergic reaction. With FWD International Health: Your emergency treatment would be fully covered, you'd be entitled to a standard single room, and any necessary follow-up care would be covered for up to 90 days after discharge.

Cancer Diagnosis

If you're diagnosed with cancer: Your treatment costs would be fully covered, including surgery, chemotherapy, and radiotherapy. You'd be covered for both inpatient and outpatient cancer treatments, and follow-up consultations and medications would be included.

Pregnancy and Childbirth (with Maternity Benefits)

When expecting a baby: Your pre-natal checkups and treatments would be covered, delivery costs, including complications, would be covered, and your newborn would be covered for up to 30 days after birth.

Pros and Cons

Pros

  • Comprehensive worldwide coverage

  • High annual limits available

  • Flexible plans with optional benefits

  • No medical check-up required

  • Renewable up to age 75

  • Includes valuable additional benefits like medical evacuation

Cons

  • Premiums may increase with age

  • Some benefits have waiting periods (e.g., 12 months for maternity)

  • Pre-existing conditions may not be covered

  • Higher-tier plans can be expensive

Frequently Asked Questions

Is there an age limit for joining?

You can join as a policyholder between ages 18 and 65. Dependents can be covered from 31 days old.

Can I get coverage for pre-existing conditions?

Generally, pre-existing conditions are not covered. However, you should declare all conditions, and FWD will advise if any can be covered.

How do I make a claim?

You can use FWD's direct billing service for many treatments. For other claims, submit them through FWD's online portal within 90 days of treatment.

Can I choose my own doctor or hospital?

Yes, you have the freedom to choose your healthcare providers worldwide, within your coverage area.

What's not covered?

Some exclusions include cosmetic treatments, self-inflicted injuries, and experimental treatments. Always check your policy document for full details.

Wrapping It Up

FWD International Health Insurance offers a comprehensive solution for those seeking global health coverage . With its flexible plans, high annual limits, and additional benefits like medical evacuation, it provides peace of mind for expatriates, frequent travelers, and those who simply want extensive health protection.

However, it's important to carefully consider your specific needs and budget. While the higher-tier plans offer extensive coverage, they come at a premium price. Evaluate your health status, travel frequency, and financial situation to choose the most suitable plan for you.

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