FWD MultiCover CI

FWD MultiCover CI is underwritten by FWD Singapore Pte. Ltd. (FWD), [Reg. No. 200501737H], and is only available through our authorised distributors. There are certain conditions such as pre-existing conditions and exclusions, whereby no benefits will be payable. If you aren’t completely satisfied with your Policy, and you haven’t made a claim under it, you have 14 calendar days from the date you receive your Policy to cancel it. Please refer to the Policy Contract for more details on the product benefits.

1. 1. Maximum cumulative claim limits apply. Benefits are subject to per-condition limits, staging adjustments and benefit-specific conditions (including waiting periods and survival periods). Not all benefits remain payable up to 900%. Payouts may be reduced based on earlier claims, and certain benefits are subject to earlier limits and may cease upon reaching defined cumulative claim thresholds. Please refer to the Policy Contract for full details.
   2. Please refer to the Policy Contract for the full list of covered conditions and their definitions.
   3. The ICU admission must be for Necessary Medical Treatment. Payout is subject to a maximum benefit payable of S$25,000 per Person Insured. This limit is inclusive of all intensive care unit benefits, however described, under any other policies and riders issued by us on the same Person Insured. Intensive Care Unit Benefit is payable once.
      Intensive Care Unit Benefit will cease on the earliest of the following events: (i) when the Person Insured turns age 85; or (ii) when a claim under this benefit has been made.
   4. The ICU admission must be for Necessary Medical Treatment. Claims paid under the Severe Intensive Care Unit Benefit will be deducted from the same 600% claim limit as the Critical Illness Benefit. Severe Intensive Care Unit Benefit is payable once.
      Severe Intensive Care Unit Benefit will cease on the earliest of the following events: (i) when the Person Insured turns age 85; (ii) when a claim under this benefit has been made; or (iii) when the Critical Illness Benefit has ceased
   5. Critical Illness Booster Benefit will cease on the earliest of the following events: (i) 300% of the Sum Insured is fully paid out; or (ii) when the Accelerated Care Option is exercised.
   6. If the Person Insured is diagnosed with any of the covered late-stage critical illnesses for the first time, future Premiums on this Policy will be waived starting from the next Premium due date following the date of diagnosis.
   7. You can exercise the Accelerated Care Option in the event the Person Insured is diagnosed with: (i) any covered eligible late-stage critical illness; and (ii) the diagnosis is the first late-stage critical illness diagnosis under the Critical Illness Benefit. The 75% Sum Insured will be paid in addition to the claim payable for the late-stage critical illness under the Critical Illness Benefit. The Accelerated Care Option may only be exercised once. Once exercised, it cannot be reversed. If the Accelerated Care Option is exercised, the Critical Illness Booster Benefit shall cease.​
      Accelerated Care Option will cease on the earliest of the following events: (i) the first late-stage critical illness diagnosis under the Critical Illness Benefit is not one of the covered eligible late-stage critical illness; (ii) you did not exercise the Accelerated Care Option when the Person Insured is first diagnosed with an eligible late-stage critical illness. The Accelerated Care Option cannot be used later, even if the Person Insured is diagnosed with another eligible late-stage critical illness in the future; or (iii) you have exercised the Accelerated Care Option successfully. ​
   8. Payout is subject to a maximum benefit payable of S$25,000 for each special condition, per Person Insured. This limit is inclusive of all special benefits, however described, under any other policies and riders issued by us on the same Person Insured; and we will only pay once for the following special conditions: Bipolar Disorder, Delusional Disorders, Dissociative Disorders, Schizophrenia or Severe Depression. The Special Benefit for these mentioned special conditions will cease once a claim is paid out for any one of them.
      With the exception of the mentioned special conditions, each special condition is payable once, subject to a maximum of 6 claims across the Special Benefit and Juvenile Benefit. Special Benefit will cease on the earliest of the following events: (i) when the Person Insured turns age 85; or (ii) on the date that the sixth claim is made under either the Special Benefit or Juvenile Benefit, whichever first occurs.
   9. Juvenile Benefit is applicable for Person Insured below attained age 18. Payout is subject to a maximum benefit payable of S$25,000 for each juvenile condition, per Person Insured. This limit is inclusive of all juvenile benefits, however described, under any other policies and riders issued by us on the same Person Insured.
      Each juvenile condition is payable once, subject to a maximum of 6 claims across the Special Benefit and Juvenile Benefit. Juvenile Benefit will cease on the earliest of the following events: (i) when the Person Insured turns age 18; or (ii) on the date that the sixth claim is made under either the Special Benefit or Juvenile Benefit, whichever first occurs.
   10. A lump sum Death Benefit will be paid if the Person Insured dies while the Policy is in force. Please refer to the Policy Contract for the exclusions.
   11. Terms and conditions apply. FWD HealthFirst is an additional benefit provided by FWD and is not a product benefit in the Policy Contract. FWD reserves the right to update the terms of FWD HealthFirst at any time.

This page is for general information only and all information presented is for illustrative purposes. Please refer to the detailed terms and conditions of this Policy in the Policy Contract.

Buying a life insurance policy is a long term commitment. You may wish to seek advice from a financial adviser representative before making a commitment to purchase the Policy. In the event that you choose not to seek advice from a financial adviser representative, you should consider whether the Policy is suitable for your needs. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare 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 Life Insurance Association (LIA) website (www.lia.org.sg) or SDIC websites (www.sdic.org.sg).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Information is correct as at 27 July 2026.