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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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.
You're protected 24/7, anywhere in the world.
Choose from plans with annual limits ranging from S$100,000 to S$3,000,000.
Add optional benefits to tailor the coverage to your needs.
Get covered without a medical examination.
Enjoy long-term protection as you age.
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
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
Coverage for GP and specialist consultations
Prescribed medicines and diagnostic tests
Physiotherapy and alternative treatments
Psychiatric and psychological care
Routine health checks and vaccinations
Basic and complex dental work
Eye examinations and corrective lenses
Pre-natal checkups and treatments
Delivery costs, including home births
Post-natal treatments
Newborn care for up to 30 days from birth
FWD International Health Insurance offers six plans with increasing levels of coverage . Here's a simplified breakdown of the main 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)
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
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
Basic and complex dental work: Up to S$1,400
Frames, lenses, and eye checks: Up to S$300 every 2 years
Pre-natal, delivery, and post-natal care: Up to S$20,000
Newborn care: Up to S$40,000
The cost of FWD International Health Insurance depends on several factors:
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 .
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.
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.
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.
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
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
You can join as a policyholder between ages 18 and 65. Dependents can be covered from 31 days old.
Generally, pre-existing conditions are not covered. However, you should declare all conditions, and FWD will advise if any can be covered.
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.
Yes, you have the freedom to choose your healthcare providers worldwide, within your coverage area.
Some exclusions include cosmetic treatments, self-inflicted injuries, and experimental treatments. Always check your policy document for full details.
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.
Ready to take the next step? Don't rely on just one opinion. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on international health insurance. These professionals will review your needs and provide personalized recommendations, helping you make the most informed decision possible.
By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your global health needs. Don't leave your international health protection to chance – get the expert advice you deserve today.
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