Personal Accident

FWD Personal Accident Insurance: Your Complete Guide to Comprehensive Protection

Are you worried about unexpected accidents and their financial impact? You're not alone. Accidents can happen to anyone, anytime, anywhere. That's where FWD Personal Accident Insurance comes in. Let's explore how this versatile plan can help you and your family stay protected against life's unforeseen events.

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What is FWD Personal Accident Insurance?

FWD Personal Accident Insurance is a comprehensive plan designed to provide financial protection for you and your family in case of accidental death or injury . It offers a wide range of benefits, from medical expenses to lifestyle support, ensuring you're covered in various situations.

Flexible Coverage

Choose from five plans with coverage ranging from S$100,000 to S$1,000,000.

Worldwide Protection

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

Lifestyle Benefits

Includes unique features like home modifications and daily taxi allowance.

Optional Add-ons

Customize your plan with additional benefits to suit your needs.

Key Features of FWD Personal Accident Insurance

Accidental Death and Disability Coverage

Pays out if you die or become disabled due to an accident. Coverage ranges from S$100,000 to S$1,000,000 depending on your plan.

Medical Expenses Coverage

Covers inpatient and outpatient medical costs. Includes Chinese medicine, physiotherapy, and more.

Lifestyle Support

Helps with mobility aids and home modifications if you're seriously injured. Provides daily taxi allowance during recovery.

Additional Protections

Personal liability coverage, ticketed event cancellations, emergency medical evacuation when overseas.

Optional Benefits

Daily hospital income, weekly income benefit for temporary disability, coverage for damaged personal electronic devices, enhanced disability benefits, overseas medical expenses.

Real premiums suggested for FWD Personal Accident insurance

25, Female making $3,500 a month

Coverage:
GP
TCM
Specialist
Premium:
$17
Read More
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What Does It Cover?

Optional benefits can provide additional coverage , such as:

  • Daily hospital income: Up to S$500 per day
  • Weekly income for temporary disability: Up to S$500 per week
  • Overseas medical expenses: Up to S$30,000

Accidental Death

S$100,000 to S$1,000,000

Permanent Total & Partial Disability

S$100,000 to S$1,000,000

Medical Expenses

S$2,000 to S$15,000

Chinese Medicine & Chiropractic

S$500 to S$1,500

Physiotherapy

S$1,000 to S$5,000

Home Modifications

S$10,000 to S$50,000

Personal Liability

S$100,000 to S$500,000

How Much Does It Cost?

The cost of FWD Personal Accident Insurance depends on:

  1. The plan you choose (S$100k to S$1000k coverage)
  1. Your occupation (classified into four groups)
  1. Any optional benefits you add

Premiums are paid annually and may be reviewed based on claims experience. It's best to get a personalized quote for accurate pricing.

Real-Life Examples

Accidental Injury

If you fall and break your leg: Your medical bills would be covered (up to your plan limit), you could claim for physiotherapy and traditional Chinese medicine, if you need crutches, the mobility aid benefit would help, and the daily taxi allowance would help with transportation during recovery.

Serious Accident Resulting in Disability

If an accident leaves you permanently disabled: You'd receive a lump sum payment based on the severity of disability, the home modification benefit would help adapt your living space, and if you can't work, the weekly income benefit (if chosen) would provide temporary support.

Overseas Accident

If you're injured while traveling: Emergency medical evacuation is covered if needed, overseas medical expenses would be covered (if you chose this option), and you're protected by the worldwide coverage of the plan.

Pros and Cons

Pros

  • Flexible plans to suit different needs and budgets

  • Comprehensive coverage including unique lifestyle benefits

  • Worldwide protection 24/7

  • Optional benefits to customize your coverage

  • Covers alternative treatments like Chinese medicine

  • Includes personal liability protection

Cons

  • Annual policy that needs to be renewed (not guaranteed)

  • Premiums may increase based on claims experience

  • Some occupations may not be eligible for coverage

  • 90-day waiting period for infectious diseases and food poisoning claims

Frequently Asked Questions

Who can apply for this insurance?

Singapore residents aged 18 to 65, renewable up to age 75.

Is there a medical check-up required?

No medical examination is needed.

Can I change my plan later?

You can usually adjust your coverage at renewal time.

What if I change my occupation?

You must inform FWD as it may affect your coverage and premiums.

Are pre-existing conditions covered?

Generally, no. Claims resulting from pre-existing conditions are excluded.

Wrapping It Up

FWD Personal Accident Insurance offers a comprehensive solution for protecting yourself and your family against the financial impact of accidents . With its flexible plans, worldwide coverage, and unique lifestyle benefits, it provides peace of mind in an unpredictable world.

The plan's customizable nature allows you to tailor your coverage to your specific needs and budget. However, it's important to consider factors like annual renewals, potential premium increases, and coverage exclusions when making your decision.

Remember, the best insurance is the one that fits your specific lifestyle, occupation, and financial situation. Consider your current health, activities, and existing coverage before making a choice.

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 personal accident insurance. These professionals will review your needs and provide personalised recommendations, helping you make the most informed decision possible.

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Podcast Transcript: FWD Personal Accident insurance

Read the complete transcript of our expert discussion about FWD Personal Accident insurance. This detailed analysis covers key features, benefits, and important considerations for potential policyholders.

Starting Your Career in Singapore: Why Personal Accident Insurance Matters

Welcome to Deep Dive.

Good to be here.

Today we're jumping into a topic that might feel a bit ab

Click above to view the complete podcast transcript

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Why people were suggested FWD Personal Accident insurance

Stacey
Stacey, 25
GenderFemale
Monthly Income$3,500
Insurance Types Suggested
  • Term Life
  • Critical Illness
  • Hospital
  • Disability
  • Personal Accident
Why Personal Accident Insurance was suggested:
Personal Accident insurance is recommended to cover Stacey for general practitioner visits, Traditional Chinese Medicine, and specialist consultations. This provides comprehensive coverage for day-to-day medical needs and accidents, which is important for a young professional like Stacey who may face various health-related expenses.
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