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FWD Heart Attack Insurance: Comprehensive Protection for Your Cardiovascular Health

Heart disease remains a leading cause of death worldwide, making it crucial to have adequate financial protection against such health risks. FWD Heart Attack Insurance offers a comprehensive solution designed to provide peace of mind and financial support in the event of a heart-related medical emergency. This innovative product not only covers heart attacks but also extends protection to various heart disorders, ensuring you're prepared for a range of cardiovascular health challenges. With its unique features and benefits, FWD Heart Attack Insurance stands out as a valuable addition to your overall health and financial planning strategy.

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FWD Heart Attack Insurance Coverage and Benefits

FWD Heart Attack Insurance provides extensive coverage for heart-related conditions, offering financial protection and support when you need it most. This comprehensive policy is designed to address various aspects of heart health, from severe heart attacks to early-stage heart disorders. Let's explore the key features and benefits that make this insurance product stand out:

Comprehensive Coverage

The policy covers Heart Attack of Specified Severity as well as various heart disorders. This includes conditions such as cardiac defibrillator insertion, cardiac pacemaker insertion, and early cardiomyopathy.

Defined Illnesses

Heart Attack of Specified Severity is clearly defined, including criteria such as typical chest pain, ECG changes, elevated cardiac biomarkers, and imaging evidence of new loss of viable myocardium.

Lump Sum Payout

Upon diagnosis of a covered condition, the policy pays out a lump sum benefit equal to the sum insured or total premium paid, whichever is higher, as stated in the Policy Illustration.

Additional Benefits

The policy includes a Death Benefit equal to the sum insured stated in the Policy Schedule, providing additional financial protection for your loved ones.

FWD Heart Attack Insurance Additional Benefits

FWD Heart Attack Insurance goes beyond basic coverage to offer a range of additional benefits, providing comprehensive protection for various heart-related conditions. These additional benefits enhance the overall value of the policy and ensure you're covered for a wide spectrum of cardiovascular health issues. Let's explore the key additional benefits included in this insurance product:

Heart Disorder Coverage

The policy includes coverage for various heart disorders such as cardiac defibrillator insertion, cardiac pacemaker insertion, and early cardiomyopathy, offering protection beyond just heart attacks.

Coronary Artery Disease

Coverage is provided for the narrowing of the lumen of two coronary arteries by a minimum of 60%, as proven by coronary arteriography, regardless of whether any form of coronary artery surgery has been recommended or performed.

Minimally Invasive Procedures

The policy covers minimally invasive procedures such as keyhole coronary bypass surgery, coronary artery atherectomy, and percutaneous valvuloplasty, providing coverage for modern medical interventions.

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Policy Term and Renewability

FWD Heart Attack Insurance offers flexibility in terms of policy duration and renewal options, allowing you to maintain coverage as your needs evolve over time. Understanding the policy term and renewability features is crucial for long-term financial planning and ensuring continuous protection. Here are the key aspects of the policy term and renewability options:

Annual Policy

FWD Heart Attack Insurance is structured as a one-year policy, providing coverage for the specified Period of Insurance.

Automatic Renewal

The policy is automatically renewed for one more year at the end of each Period of Insurance, up until you reach 85 years old, ensuring continuous coverage.

Renewal Flexibility

You have the option to choose not to renew by writing to FWD 30 days before the end of the Period of Insurance, providing flexibility in your coverage decisions.

Claims and Customer Service

FWD Heart Attack Insurance prioritizes a smooth and efficient claims process, ensuring that you receive the support you need when it matters most. To file a claim, you or your legal representative must notify FWD within 90 days of the date of death or experience of Heart Attack of Specified Severity. FWD understands that timely notification may not always be possible and will consider claims notified after 90 days if it was not reasonably possible to do so earlier. For customer support or to initiate a claim, you can contact FWD by calling +65 6820 8888, emailing [email protected], or visiting www.fwd.com.sg to access their claims portal. FWD's customer service team is dedicated to providing assistance and guidance throughout the claims process.

Conclusion

FWD Heart Attack Insurance offers comprehensive protection for individuals concerned about heart-related health risks. This policy is particularly suitable for those with a family history of heart disease, individuals leading high-stress lifestyles, and anyone looking to enhance their overall health insurance coverage with specific heart-related protection. By providing coverage for a range of heart conditions and offering flexible renewal options, FWD Heart Attack Insurance can be a valuable addition to your financial planning strategy.
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