Cash-free medical treatment

1. Present your ID card and fill in the form provided by the hospital. *You can present student card or valid documents issued by the government instead.
2. Upon discharge, the hospital officer will review your total expenditure to ensure that it meets the agreed coverage and conditions stated in your policy. If the total cost exceeds your coverage, the hospital will charge the excess amount directly, the policy owner.

Note:

1. The ID card must be presented each time you (or the insured) visit a hospital. If not, you’ll need to pay in advance and then submit a claim. Need to know how to do this? Head here to our Health and Accident claims page.
2. We assess accident claims after we receive billing from the hospital where the insured has received treatment.
3. Hospitals normally bill us within two months. Therefore if you / the insured person need us to pay any accidental claim (AI) earlier than the normal cycle, you / the insured person has to submit a claim (together with your medical certificate) directly to us.

1. Present your ID card then fill in and sign the form provided by the hospital. This will be in part 1 of the policy owner section (Inpatient “Health Care” form). *You can present student card or valid documents issued by the government instead.
2. After visiting the doctor, if you need to be admitted to hospital for further treatment, the hospital officer will contact the Claims Department to request permission for you to pay with the FWD Card or your ID card. If accepted, you will receive treatment without having to pay (conditions may apply). However, if your condition is serious - such as an accident or emergency - you will be treated immediately without needing to seek permission from the Claims Department. After the treatment, the hospital will then contact the Claims Department to process the claim.
3. Upon discharge, the hospital will inform the Claims Department about the total cost. The cost must be covered by the agreed conditions in your insurance policy. If the total cost exceeds the coverage, the hospital will charge the excess amount directly to you, the insured person.
4. If you buy any other policies such as daily hospital cash benefit (HB) or accidental indemnity (AI), we will provide benefits as agreed in the policy upon your discharge from hospital. There is no need to submit documents to the Claims Department except in special cases where we will inform you.

Note:

1. If we later find that the cause of illness or injury is an excluded condition of your policy, we reserve the right to reject this claim - even after we’ve approved it.
2. If you’ve paid any medical expenses at one of our network hospitals and didn’t use your FWD Card, you can still submit a claim (with your documents) by following the normal claims process.