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SingSaver’s Exclusive Offer

FWD Personal Accident and Infectious Disease Coverage

Annual Plan
$98 SGD

For less than $0.30/day, get affordable insurance to protect you and your loved ones from accidents and COVID-19, with FWD Personal Accident And Infectious Disease Coverage.

Receive the highest coverage possible with Inpatient/Outpatient Care, Hospital Income with exclusive Death and Guardian Angel Benefits as well as Traditional Chinese Medicine Expenses. What’s more, enjoy peace of mind with a 24-hour helpline.

How can I get covered?

1
Create a SingSaver account for secure payment and to manage your policy.
2
Complete your Personal Accident Insurance application.
3
Upon payment, your 1-year FWD Personal Accident Insurance will go into effect!

Coverage Benefits

PA Medical expenses
MEDICAL EXPENSES IN SINGAPORE
Claim up to S$1,000 for COVID-19 and Infectious Diseases, up to S$2,000 for Personal Accidents plus up to S$500 for Traditional Chinese Medicine Physicians.
PA Daily Hospital Income
Daily hospital income
Daily Hospital Income for COVID-19 and Infectious Diseases is S$25/day and Personal Accidents is S$50/day. If you are warded in an ICU, receive daily income supplements of up to S$50/day for COVID-19 and Infectious Diseases and up to S$100/day for Personal Accidents.
DEATH BENEFITS
Get S$50,000 Death Benefit from COVID-19 and Infectious Diseases, plus S$100,000 for Personal Accidents, providing you and your family with peace of mind.
NO OCCUPATIONAL PREMIUMS
Occupational loading can increase your premium by up to 80%, however with this policy you pay the same low price regardless of your occupation!

Policy Pricing

$98
INC. GST
INDIVIDUAL COVER
Protection for you at less than $0.30/day.
$186.2
INC. GST
COUPLES COVER
Includes a 5% discount to protect you and your spouse.
$252
INC. GST
FAMILY COVER*
Includes a 10% discount to protect your whole family.

*Price based on 2 adults and 2 children

What’s covered?

BENEFITS: COVID-19 CARE COVERAGE Coverage amount
Covid-19 Death Benefits
Personal Accident Tooltip
$50,000
COVID-19 Medical Expenses in Singapore (Inpatient and Outpatient)
Personal Accident Tooltip
$1,000
COVID-19 Hospital Cash Income
Personal Accident Tooltip
$25/day (up to 365 days)
COVID-19 Hospital Cash Income - Intensive Care
Personal Accident Tooltip
$50/day (up to 365 days)
Permanent Total & Partial Disability
Personal Accident Tooltip
$50,000
Guardian Angel Benefit
Personal Accident Tooltip
$50,000
Funeral Grant (Death)
Personal Accident Tooltip
$2,500
COVID-19 Medical Expenses Overseas (Inpatient and Outpatient)
Personal Accident Tooltip
$2,000
Emergency Medical Evacuation
Personal Accident Tooltip
Unlimited
Ambulance Fees
Personal Accident Tooltip
$250
Chinese physician, acupuncturist, bonesetter and chiropractor expenses
Personal Accident Tooltip
$250
Daily Taxi Allowance
Personal Accident Tooltip
$10/day (up to 2 weeks)
Emergency Phone Charges (Overseas)
Personal Accident Tooltip
$150
Physiotherapy Expenses
Personal Accident Tooltip
$500
Home Modifications
Personal Accident Tooltip
$5,000
Personal Liability
Personal Accident Tooltip
$50,000
24-Hour Medical Helpline
Personal Accident Tooltip
Service
BENEFITS: PERSONAL ACCIDENT COVERAGE Coverage amount
Accidental Death Benefits
Personal Accident Tooltip
$100,000
Permanent Total & Partial Disability
Personal Accident Tooltip
$100,000
Emergency Medical Evacuation
Personal Accident Tooltip
Unlimited
Chinese Physician, Acupuncturist, Bonesetter and Chiropractor Expenses
Personal Accident Tooltip
$500
Medical Expenses in Singapore (Inpatient and Outpatient)
Personal Accident Tooltip
$2,000
Medical Expenses Overseas (Inpatient and Outpatient)
Personal Accident Tooltip
$4,000
Hospital Cash Income
Personal Accident Tooltip
$50/day (up to 365 days)
Hospital Cash Income - Intensive Care
Personal Accident Tooltip
$100/day (up to 365 days)
Ambulance Fees
Personal Accident Tooltip
$500
Daily Taxi Allowance
Personal Accident Tooltip
$20/day (up to 2 weeks)
Emergency Phone Charges (Overseas)
Personal Accident Tooltip
$300
Guardian Angel Benefit
Personal Accident Tooltip
$100,000
Funeral Grant (Death)
Personal Accident Tooltip
$5,000
Physiotherapy Expenses
Personal Accident Tooltip
$1,000
Mobility And Prosthesis Aids
Personal Accident Tooltip
$500
Home Modifications
Personal Accident Tooltip
$10,000
Personal Liability
Personal Accident Tooltip
$100,000
Ticketed Event Cancellations Due to Haze
Personal Accident Tooltip
$100

Am I Eligible For Personal Accident Insurance?

Personal Accident Certificate
Singapore Resident Under 65 With No Recent Travel

You must be a Singapore citizen, permanent resident or valid pass holder under the age of 65 with no travel outside of Singapore for at least 14 days prior to the purchase of this policy.

Personal Accident Rejections
No Prior Personal Accident Policy Rejections

You must have never been refused to buy or renew any Personal Accident Insurance. Nor has your insurance been cancelled or voided by your insurer.

No Exposure To Confirmed COVID-19 Cases

You must not have previously tested positive for COVID-19, nor have been advised to self-isolate or self-quarantine by a medical professional or the Singapore Government.

Important Information - Reduced Waiting Times

Infectious Diseases (including COVID-19) have a 15-day waiting period while Food Poisoning has a 90-day waiting period from the start date of your policy coverage. Please note that you have to been in Singapore for at least 14 days when you purchase the policy. Customers who purchase SingSaver and FWD’s Exclusive Personal Accident and Infectious Disease Insurance from 30th April 2020 onwards can make claims related to the COVID-19 outbreak.

How To Make A Claim

If you need to make a claim on your insurance, you can access your claim form here.

Alternatively, you can contact SingSaver Insurance Brokers Pte. Ltd. or FWD. Please note that as an insurance broker, SingSaver will facilitate the process but the claims decision lies with the insurance company (FWD). You should contact us or FWD as soon as possible as each company has a slightly different claims process.

Singsaver Insurance Brokers Pte. Ltd.
Email: insurance_enquiry@singsaver.com.sg
Phone: +65 31382648
FWD Singapore Pte. Ltd.
Email: contact.sg@fwd.com
Phone: +65 68208888

When making a claim, you’ll be typically be asked to provide some documents before your claim can be approved. This includes, but is not limited to:

  • Medical reports and evidence such as a doctor’s note, medical statement or x-ray confirming your injury
  • Proof of identification, such as a birth certificate or driver’s license
  • Copies of original invoices and receipts
  • Police reports (if any)

Once you’ve provided the necessary documents, FWD will keep you notified of the claims process.

Need some help?
Don't worry, we've got you covered!
  • How does FWD Personal Accident and Infectious Disease Coverage work?

    Exclusively offered to you jointly by FWD Singapore and SingSaver, this plan covers you for both personal accidents as well as infectious diseases such as COVID-19, Dengue and Zika virus. It has the most comprehensive coverage for Infectious Diseases (including COVID-19), covering an extensive list of 24 infectious diseases while providing the highest death benefit payout for COVID-19 in the Singapore market.

    For the FWD Personal Accident and Infectious Disease Coverage, you pay a one-off annual premium for a 1-year coverage period. Should the situation arise, you can file for claims with the insurance company and get reimbursed for the components covered in the policy.

  • What is considered an accidental injury?

    An accidental injury is an injury that has a visible impact on a person’s external appearance and is caused by a sudden, unexpected and unintentional event. For example, it could be an accident that results from participation in sports, a car accident or an unfortunate domestic mishap.

  • Do I qualify for the FWD Personal Accident and Infectious Disease Coverage?

    To purchase this policy, you have to satisfy the following criteria:

    • You are a resident of Singapore possessing a valid NRIC or FIN, and have not travelled outside of Singapore for the last 14 days;
    • You are age 65 or below;
    • You have never been refused when buying or renewing any personal accident insurance, nor has your personal accident insurance ever been cancelled or voided by your insurer;
    • You have not and have never been tested positive for COVID-19;
    • You have not been directed or advised to self-isolate due to COVID-19 or to self-quarantine based on medical advice or the Singapore Government’s orders;
    • No material fact that is likely to influence the assessment and acceptance of this application has been withheld;
    • The information furnished in your application is true and complete to the best of your knowledge and belief.
  • If I had been infected with COVID-19 before, can I still get covered?

    You can only be covered if:

    • You have not and have never been tested positive for COVID-19;
    • You have not been directed or advised to self-isolate due to COVID-19 or to self-quarantine based on medical advice or the Singapore Government’s orders.
  • Does FWD Personal Accident and Infectious Disease insurance cover overseas expenses?

    Yes, FWD Personal Accident and Infectious Disease Coverage​i​ncludes overseas medical expenses for both inpatient and outpatient treatments, in the event you meet with an accident. You will be reimbursed for medical expenses that are deemed medically necessary. This could include the cost of ambulance transportation and treatment by a Medical Practitioner.

    This means that even when COVID-19 settles, you will still be covered for accidents overseas when you finally get to travel. In the event of medical evacuation, this plan covers you for that as well.

    However, exclusions apply to the following:

    • The medical treatment is a result of neglect in taking necessary preventive measures, such as not getting compulsory vaccinations or not taking recommended medication;
    • It is a medical condition you were aware of before the policy started;
    • It is a medical treatment you were already undergoing or planned before the policy started.
  • When should you get a personal accident plan?

    You can consider getting a personal accident plan if you:

    • Want higher protection in case of unforeseen accidents
    • Regularly engage in outdoor activities or sports
    • Work outdoors, with specialised equipment or work in high-risk jobs
    • Have higher exposure to infectious diseases
    • Want higher payout in case of accidental death
  • What’s the difference between personal accident insurance and the likes of life or health insurance?

    Personal accident insurance pays you a lump sum in the event of accidental death, permanent disability or serious injuries. You can also make claims for medical expenses incurred as a result of the accident. For example, if you broke an arm in an e-scooter accident and could still go back to work, you may still qualify for the benefit. In more serious cases, like surviving an accident and becoming permanently disabled, personal accident insurance can also offer you a payout that will help you support the loss of income in the coming years.

    Health insurance, on the other hand, only offers reimbursement coverage for medical treatments and ward stays when you are hospitalised. It does not offer accidental death or total permanent disability payouts, as well as outpatient benefits like personal accident plans.

    For life insurance, it covers death and total permanent disability, much like personal accident plans. But the similarity ends there; life insurance covers you for natural death causes or death due to illness, and the death benefit is paid out to beneficiaries upon the insured’s death. The premiums are usually higher, but it comes with a cash value component to grow your savings as they offer higher yield interest rates. There is an option for policy holders to take a policy loan.

    Under personal accident plans, while it covers wider medical eventualities such as fractures and burns, you may not encash the policy if there are no accidental events.

  • Can I claim for multiple personal accident insurance policies?

    If you have more than one Personal Accident insurance with FWD, your insurance coverage will be limited to only one Policy – the Policy that provides you the highest benefit level for any given benefit.

    However, the terms and conditions differ for each individual insurance provider and it may be possible to file for claims on your existing personal accident policies with other providers. It is important that you check for the coverage that is provided by each individual Personal Accident insurance.

  • Why should I apply for the FWD Personal Accident and Infectious Disease Coverage through SingSaver?

    FWD Singapore has partnered with SingSaver to offer the ​FWD Personal Accident and Infectious Disease Coverage to consumers, providing not just personal accident protection but also COVID-19 coverage at a time when we need it most.

    By applying via SingSaver, you can get protected in just a few breezy steps, and don’t forget you also enjoy FWD’s 24-hour digital claims that can be done from anywhere, at any time. Those opting for a coverage for the household enjoy an exclusive discount when signing up for the Couples and Family Cover plans.

    SingSaver is a licensed General Insurance Broker under the Monetary Authority of Singapore. We have been recognised in ​national print ​and r​adio programs ​as being experts in our field. We also care that you get the right information and we have a whole section on our blog covering all you need to know about ​insurance in Singapore.​

Latest Personal Accident Insurance News

Read all of the latest updates on how to protect yourself from infectious diseases.

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