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FWD Recover First
Terms & Conditions FWD Recover First
We may not know what tomorrow brings, but we know that we don’t want to leave life to chance, especially when it comes to important things like insurance.
FWD Recover First is a critical illness (CI) insurance plan that takes the complexity out of critical illness coverage by removing finite lists of illnesses commonly found in CI products that are difficult to understand and/or do not keep up with advancements in medical science.
Being prepared for the future means having the confidence that your insurance plan is relevant for your needs, today and in the future. This is why we’ve designed FWD Recover First to protect you against any illnesses, disabilities, impairment and injuries that you may suffer from – including those that you may not even know of yet.
After all, an insurance plan should future-proof all your protection needs; instead of merely covering you against conditions with a finite list.
Simple to understand, future-proof, cost-effective
Future-Proof
Get the coverage you need tomorrow. Even for diseases that you can’t name today
Cost-effective
Instead of paying for coverage of a fixed number of pre-defined illnesses, we’ll simply insure you against how an illness affects your life
Simple to understand
Our Future Protect Benefit pays out when a covered body system, or organ* is impaired by an illness or injury
Special Benefits
Additional coverage for up to 10 health conditions
Multi-pay
After a Future Protect claim, we’ll waive all future premiums and restore the full sum assured for late stage critical illness and Death Benefit**
Recovery support
Legal, home care, emotional support and medical second opinion to aid in your recovery
*Conditions covered under the Future Protect Benefit includes Cancer and Bone Marrow Failure, Cardiovascular System, Neurological System, Hepatic System and Liver Function, Renal System and Kidney Function, Disabilities, Digestive System, Respiratory System, Sensory System, Multi-Organ Group and Intensive Care Unit Stays.
**If a Future Protect Benefit is paid, the sum insured is restored to the original amount (less any angioplasty & other invasive treatment for coronary artery claim paid) if there is no other claim (aside from angioplasty & other invasive treatment for coronary artery claim) under the base benefit or Death Benefit for twelve (12) consecutive months from the diagnosis date of the last admitted Future Protect Benefit claim. Please see policy contract for more details.
Why is FWD Recover First right for you?
FWD Recover First is a unique critical illness insurance plan that pays out when a covered body system or organ is impaired by illnesses or injuries, including cancers (both early and late stage) and disabilities.
It future-proofs your protection needs by covering you against any new and emerging diseases that are yet to be discovered or defined by medical science.
Our Future Protect Benefit provides up to S$350,000 coverage for illnesses, diseases or injuries affecting your organ or system functions.* This includes illnesses that have yet to be discovered by medical science. In short, you’re not limited to a fixed number of specific illnesses covered.
Get up to S$350,000 coverage for 37 late-stage critical illnesses.
Upon a Future Protect claim, the policy will remain in-force, and after 12 months, you will continue to be covered for 37 late-stage critical illnesses and Death benefit.
Additional coverage for up to 10 health conditions which include Dengue Haemorrhagic Fever, Diabetic Complications, Severe Gout and more. You’ll be able to claim for up to 6 conditions and receive additional payouts of S$25,000 for each.
Get legal services, home nursing, home modifications, grief counselling reimbursements and complimentary medical second opinion support worth up to S$10,000 in total value.
Enjoy a waiver of all future premiums after a successful Future Protect claim has been made.
*Conditions covered under the Future Protect Benefit includes Cancer and Bone Marrow Failure, Cardiovascular System, Neurological System, Hepatic System and Liver Function, Renal System and Kidney Function, Disabilities, Digestive System, Respiratory System, Sensory System, Multi-Organ Group and Intensive Care Unit Stays.
You asked, we answered
How does the Reset Benefit work?
The Reset Benefit works by keeping your coverage intact even after a claim under the Future Protect Benefit has been successfully paid out. In other words, instead of a termination after a claim is made, your FWD Recover First policy will go into a 12-month reset period, where you will still be covered under the Death Benefit. Once this reset period passes, the full sum insured for late stage critical illnesses will be reinstated.
Where can I get a quote or buy FWD Recover First?
The easiest and most convenient way to get a quote or buy FWD Recover First is to contact any of our financial advisory partners.
our financial advisory partner
FWD works with a range of partners to bring the best in insurance.
Information is correct as of 1 June 2021.
This page is for general information only. You can find the detailed terms and conditions of this plan in the policy wording.
Buying life insurance policy is a long term commitment. You may wish to seek advice from a financial adviser before making a commitment to purchase the policy. In the event that you choose not to seek advice from a financial adviser, you should consider whether the policy is suitable for your needs. Switching from an existing policy to a new one may have potential disadvantages.
This policy is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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