Introduction
In today's unpredictable world, critical illness insurance has become an essential safeguard for your financial well-being. FWD Recover First is a comprehensive critical illness insurance product designed to provide robust protection against a wide range of health challenges. This innovative policy goes beyond traditional coverage, offering future-proof benefits and easy-to-understand terms. With FWD Recover First, you can focus on recovery without worrying about the financial burden of critical illnesses, both known and yet-to-be-discovered.
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Coverage and Benefits
FWD Recover First offers extensive coverage for critical illnesses, with unique features that set it apart from traditional policies. From a wide range of covered conditions to flexible payout structures, this policy is designed to provide comprehensive protection tailored to your needs. Let's explore the key aspects of coverage and benefits offered by FWD Recover First.
Extensive Illness Coverage
FWD Recover First covers 37 late-stage critical illnesses, including major cancers, heart attacks, and strokes. The policy also includes coverage for early and intermediate stage critical illnesses through its Future Protect Benefit.
Standardized Definitions
The 37 late-stage critical illnesses are defined according to the Life Insurance Association Singapore (LIA) standard definitions (Version 2019). This ensures clarity and consistency in coverage across the industry.
Flexible Payout Structure
FWD Recover First offers both lump sum and multiple payout options. The base benefit pays out 100% of the sum insured for late-stage critical illnesses, while the Reset Benefit allows for multiple payouts after a successful Future Protect Benefit claim.
Special Benefits
The policy includes a Special Benefit that pays out S$25,000 for each of 10 specific conditions, such as diabetic complications and severe gout. Up to 6 claims are allowed under this benefit, providing additional financial support for less severe health issues.
Additional Benefits
FWD Recover First goes beyond basic critical illness coverage by offering a range of additional benefits. These features are designed to provide comprehensive support during your recovery journey and ensure that you're protected against future health challenges. Let's explore the unique additional benefits that make FWD Recover First stand out.
Future Protect Benefit
This innovative benefit covers you against early and intermediate stage critical illnesses, including yet-to-be-discovered diseases. It provides coverage for 9 key body systems, disabilities, and ICU stays of at least 5 days with invasive life support.
Reset Benefit
After a successful Future Protect Benefit claim, your coverage for late-stage critical illnesses is restored to 100% of the chosen sum insured after 12 months. This ensures continued protection even after making a claim.
Premium Waiver
Upon a valid claim against the Future Protect Benefit, all future premiums for the policy are waived. This allows you to focus on recovery without worrying about ongoing premium payments.
Recovery Programme
FWD Recover First includes a holistic recovery programme worth up to S$10,000 in total value. This includes medical second opinions, practical assistance, home care, emotional support, and legal support to aid in your recovery and adaptation.
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Policy Term and Renewability
Understanding the policy term and renewability options is crucial when choosing a critical illness insurance plan. FWD Recover First offers flexibility in terms of entry age and policy duration to accommodate various life stages and protection needs. Let's examine the key aspects of the policy term and renewability for FWD Recover First.
Entry Age Range
FWD Recover First accepts policyholders from 30 days old (minimum) to 65 years old (maximum) for the person insured. Policy owners must be between 18 and 100 years old at entry.
Flexible Policy Terms
The policy offers a minimum term of 5 years, with the maximum term calculated as 85 minus the entry age. This allows for long-term coverage tailored to your specific needs and life stage.
Premium Payment Duration
Premiums are payable throughout the term of the policy. FWD Recover First offers flexible premium payment frequencies, including monthly, quarterly, semi-annual, and annual options to suit your financial planning.
Claims and Customer Service
FWD Singapore is committed to providing excellent customer service and a smooth claims process. To file a claim or seek assistance, policyholders can contact FWD's service hotline at +65 6820 8888, available from 9am to 10pm on weekdays and 9am to 1pm on Saturdays (excluding public holidays). The FWD Recovery Programme includes a Claims Concierge service to help retrieve medical reports, simplifying the claims process. For additional information or support, customers can visit the FWD website at www.fwd.com.sg, where they can find detailed product information, FAQs, and online resources.
Conclusion
FWD Recover First is an excellent choice for individuals seeking comprehensive critical illness protection with innovative features. This policy is particularly well-suited for those who want future-proof coverage against both known and yet-to-be-discovered diseases. It's also ideal for people looking for multiple claim options and additional support during recovery. Young adults starting their financial planning journey and middle-aged individuals reassessing their insurance needs would find great value in FWD Recover First's extensive coverage and flexible terms.
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