FWD Personal Accident Insurance Reviews and Comparison - Seedly
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FWD Personal Accident Insurance

  • Overview
  • Reviews (7)
  • Questions (0)
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Plans (5)

Slide 1 of 5
  • FWD Personal Accident Insurance 1000k

    $1,000,000
    ACCIDENTAL DEATH
    $500 / week
    TEMPORARY DISABILITY
    Up to $15,000
    MEDICAL BENEFITS
    $1,500
    TCM & CHIROPRACTOR
  • FWD Personal Accident Insurance 5000k

    $500,000
    ACCIDENTAL DEATH
    $300 / week
    TEMPORARY DISABILITY
    Up to $10,000
    MEDICAL BENEFITS
    $1,000
    TCM & CHIROPRACTOR
  • FWD Personal Accident Insurance 300k

    $300,000
    ACCIDENTAL DEATH
    N/A
    TEMPORARY DISABILITY
    Up to $6,000
    MEDICAL BENEFITS
    $700
    TCM & CHIROPRACTOR
  • FWD Personal Accident Insurance 200k

    $200,000
    ACCIDENTAL DEATH
    N/A
    TEMPORARY DISABILITY
    Up to $4,000
    MEDICAL BENEFITS
    $600
    TCM & CHIROPRACTOR
  • FWD Personal Accident Insurance 100k

    $100,000
    ACCIDENTAL DEATH
    N/A
    TEMPORARY DISABILITY
    Up to $2,000
    MEDICAL BENEFITS
    $500
    TCM & CHIROPRACTOR

    FWD Personal Accident Insurance 1000k

    $1,000,000
    ACCIDENTAL DEATH
    $500 / week
    TEMPORARY DISABILITY
    Up to $15,000
    MEDICAL BENEFITS
    $1,500
    TCM & CHIROPRACTOR

Details

About FWD Personal Accident Insurance Review 2020

Touted as one of the most competitively priced and most comprehensive, here are some of FWD Personal Accident Insurance's highlights:

  • Ability to claim for Medical Expenses – including treatment such as physiotherapy, acupuncture, bone setting, and chiropractic therapy – that results from accidents locally or overseas.
  • Accidental death coverage of up to S$1,000,000
  • Weekly income available for temporary disability that prevents you from working, for up to 104 weeks (included in the top 2 plans, 500k and 1000k, and available as rider add-ons for the rest)
  • Other coverage benefits like daily taxi allowance, event cancellations or damage of electronic devices are also claimable!
  • Across all 5 tiers of plans, get Overseas Emergency medical evacuation, 24 hours medical helpline, Emergency phone charges and Ambulance fees coverage.

Read More about FWD Personal Accident Insurance
Reviews (7)

3.7

7 Reviews

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  • Updated 4w ago

    Purchased

    FWD Personal Accident Insurance 100k

    Compared various insurers and found out that FWD best meet my needs in terms of my desired coverage and coverage for spouse. Covering the 2 of us cost less than $80 (with some covid-19 period discount). Couldn’t comment much and the claim process (touch wood), but according to the app, it seems easy everything done via app. Touch wood again..
    0 comments
    0
    Post
  • Updated on 22 Jul 2020
    [Claims Process] I have put up a claim on January, but until today they insist they want the airlines to proof the airline was wrong, so until today they don't compensate me at all, they can check with the airport standard procedure and the documents I submitted, but fwd insurance choose to deny my claim, and also they travel insurance is the lowestpay out, ( maximum only $300 Singapore dollars) confirmed by their claim officer joel, so if lost more than $300, you have to cry out the rest of your money.
    0 comments
    0
    Post
  • Updated on 08 Jun 2020
    [Purchase Process] Very smooth and easy. From the moment I tried to sign up, to the confirmation was less than 5 minutes! Very clear options too! I found FWD rates to be one of the cheapest, probably due to their no frills setup (online only for signups, for the most part) [Terms & Conditions] It's clear enough; nothing I'm concerned about, and as I have bought many travel insurance packages from them, I have enough trust of them to sign up for this!
    0 comments
    0
    Post
  • i will have given 5 stars, if not for their horrible IT system [Purchase Process] What is bad ! I have the most horrible time trying to buy the policy online for almost an hour! please do something about your password system for existing FWD policy holders~ COVID-19 only affected human, not IT system, and obviously, FWD needs a serious upgrade of your server to cope with the password managment! What is good! Their is likely to be one of the first few PA that has COVID-19 coverage with affordable premiums as compared to one of big local banks that covered free COVID19 coverage for 30 days, then after 30 days asked you to buy a much more expensive coverage just to continue COVID-19 coverage Waiting period to start COVID-19 coverage is just 15 days from start of your policy!
    0 comments
    0
    Post
  • Updated on 09 Feb 2020
    [Claims Process] - Fast process and good responds from customer service call centre. [Hidden Terms] - No hidden terms, transparent and straight forward. Easy to understand.
    0 comments
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Summary of FWD Personal Accident Insurance Coverage

FWD Personal Accident Insurance has over 5 plans - for different levels of coverages at different premium prices. The lower tier plans are:

Here’s a summary of the Policy Benefits from FWD Personal Accident Insurance Coverage

Plans

Medical Expenses
Alternative Treatments (e.g. TCM, Chiro)

Accidental Death & Disability

Liability

Weekly income benefit

1000K

  • Inpatient and Outpatient: S$15,000
  • Alternative Treatments: $1,500
  • Accidental Death: S$1,000,000
  • Permanent total or partial disability: S$1,000,000

S$500,000

S$500

500k

  • Inpatient and Outpatient: S$10,000
  • Alternative Treatments: $1,000
  • Accidental Death: S$500,000
  • Permanent total or partial disability: S$500,000

S$400,000

S$300

300k

  • Inpatient and Outpatient: S$6,000
  • Alternative Treatments: $700
  • Accidental Death: S$300,000
  • Permanent total or partial disability: S$300,000

S$300,000

200k

  • Inpatient and Outpatient: S$4,000
  • Alternative Treatments: $600
  • Accidental Death: S$200,000
  • Permanent total or partial disability: S$200,000

S$200,000

100k

  • Inpatient and Outpatient: S$2,000
  • Alternative Treatments: $500
  • Accidental Death: S$100,000
  • Permanent total or partial disability: S$100,000

S$100,000

Other Notable Benefits:

1. Across All Plans:

  • Unlimited Emergency medical evacuation when you are overseas
  • 24 hours medical helpline for emergency assistance
  • Emergency phone charges of S$300 when you are overseas
  • Ambulance fee of S$500 for hospital transfer due to an Accident

2. Mobility and Prosthesis Aids up to S$5,000

3. Guardian Angel Benefit up to S$500,000

4. Physiotherapy Expenses up to $5,000

5. Home Modifications up to $50,000

Does FWD Personal Accident Insurance Cover COVID-19?

FWD Personal Accident Insurance does cover Coranavirus COVID-19, with these parameters:

  1. Medical Expenses: Up to S$7,500 for inpatient and outpatient care in Singapore
  2. Daily Hospital Income: Receive up to S$250 daily if you are admitted, or up to S$500 daily (up to 365 days) if you’re quarantined or admitted in ICU for 3 days or more.
  3. Accidental Death: Up to S$500,000 cover for death caused by an infectious disease depending on your policy

FWD Personal Accident Insurance Optional Riders

  • Daily Hospital Income (up to 365 days)
    Get a daily cash allowance for up to 365 days during hospitalisation from an accident, food poisoning or an infectious disease. or any animal or insect bites.
    This benefit is already included for plans 500k and 1000k in their base cover
  • Weekly Income Benefit for Temporary Total Disability
    Given for up to 104 weeks.
    This benefit is already included for plans 500k and 1000k in their base cover.
  • Damage of Personal Electronic Devices
    Receive replacement costs of any personal electronic devices damaged beyond repair due to an accident that results in your hospitalisation.
  • Additional Permanent Total and Partial Disability (per policy year)
    Helps customise your price and coverage - Boost your coverage by opting for additional disability protection at a lower cost.
  • Medical Expenses Overseas For Inpatient and Outpatient
    Includes accidents, food poisoning, infectious diseases. or any animal/insect bites
  • Enhanced Permanent and Total Disability (per policy year)
    Additional protection if you are permanently and totally disabled and unlikely ever to engage in any occupation as per your education, training or experience.

Benefits

Plan coverage

Daily Hospital Income

  1. 100k: S$50
  2. 200k: S$100
  3. 300k: S$200
  4. 500k: - included in base cover
  5. 1000k: - included in base cover

Weekly income benefit for temporary total disability (up to 104 weeks)

  1. 100k: S$50
  2. 200k: S$100
  3. 300k: S$200
  4. 500k: - included in base cover
  5. 1000k: - included in base cover

Damage of personal electronic devices

  1. 100k: S$500
  2. 200k: S$1,000
  3. 300k: S$1,500
  4. 500k: S$2,000
  5. 1000k: S$3,000

Additional permanent total & partial disability (per policy year)

  1. 100k: S$50,000
  2. 200k: S$100,000
  3. 300k: S$150,000
  4. 500k: S$250,000
  5. 1000k: S$500,000

Medical expenses overseas for inpatient & outpatient

  1. 100k: S$4,000
  2. 200k: S$8,000
  3. 300k: S$12,000
  4. 500k: S$20,000
  5. 1000k: S$30,000

Benefit Parameters for FWD Personal Accident Insurance Optional Riders

How Much does FWD Personal Accident Insurance Cost?

Personal Accident Insurance premiums are priced according to the coverage you want and the type of occupation you are in. As different levels of occupation groups have different risk probabilities. Generally, the 4 occupation groups are:

  • White -Collar / Office-workers - e.g. Accountants, Retail Shop Owners, Designers
  • Sales / Light Manual Workers - e.g. Cleaner, Journalist, Photographer, Electrical Engineer, Hairdresser, Wait Staff, Homemaker, and Students
  • Skilled & Semi-Skilled Manual Workers - e.g. Bartender, Drivers, Carpenter, Coach, Construction foreman, Dry cleaner, Shelf-packer, Plumber
  • Heavy Manual / Unskilled Workers - e.g. Aircon Installer, Aircraft Technician, Concrete Mixer Driver, Security Guards, Sewage Worker

Check out the yearly premiums for Individuals for FWD PA across 4 occupation types.

PLAN

White Collar / Office Worker

Sales / Light Manual Worker

Skilled & Semi-skilled Manual Worker

Heavy Manual / Unskilled Worker

100k

S$120

S$150.27

S$224.40

S$239.99

200k

S$226.67

S$283.85

S$420.09

S$453.34

300k

S$360

S$450.81

S$667.22

S$719.99

500k

S$733.34

S$918.33

S$1,359.15

S$1,466.67

1000k

S$1,333.34

S$1,699.68

S$2,471.1

S$2,666.66

Individuals' Annual Premium Rates for FWD Personal Accident Insurance across different occupations

Getting cheaper premiums

Opting to apply for FWD Personal Accident Insurance as a Couple will give you approximately a 5% discount assuming both spouses work in the same type occupation.

Applying for The Family plan will also give you lower premiums per pax.

How To Claim FWD Personal Accident Insurance

  • One can either call Emergency Assistance at +65 6322 2072 or visit FWD' website for online claims procedure
  • Claims must be made within 30 days of the accident
  • Documentation such as but not limited to, medical reports, evidence and police reports, etc are required to assess claims

Eligibility: Who Can Apply for FWD PA Insurance?

  • Age Limit: below 65 years old (*Note the policy ends when the insured reaches age 75)
  • Must hold a valid Singapore identification document that includes either a National Registration Identification Card (NRIC) Number or a Foreign Identification Number (FIN)
  • Must have never been refused to buy or renew any Personal Accident insurance, nor have their Personal Accident insurance ever been cancelled or voided by their insurer, and
  • Must not be exposed to additional hazards that are widely recognised as dangerous or health deteriorating during work.

FWD Personal Accident Insurance Contact Info

  • Hotline: +65 6820 8888
  • For Accident or Travel/Home Emergency Assistance only: +65 6322 2072
  • Email: [email protected]
  • Address: FWD Singapore Pte Ltd
    6 Temasek Boulevard, #18-01 Suntec Tower Four,
    Singapore 038986