Medical claims

I am claiming for

The things you need to know before you make a claim
If you have a personal insurance plan with us, please head to our dedicated personal insurance claims page.

Check your claim is eligible
It’s always a good idea to first check that your policy covers your claim. The quickest and easiest way to do this is via FWD eServices, our customer app. Or feel free to give us a call on 3123 3123.

FWD Healthcare card holder?
Remember, some plans allow you to get cashless treatment via our network of hospitals and clinics - with no need to submit a claim. You can check your eligibility and details of our partner hospitals and clinics via FWD eServices. If you’ve already paid your medical costs, you can retrospectively submit a claim..

Send us your claim within 90 days
Please submit your claim within 90 days of the event you’re claiming for.

We offer a range of ways to make a claim
You can fill out a form and send it back - or take a look at our other options below.

FWD eServices
FWD eServices
Claim online
Claim online


  • All receipts. For example, medical expense receipts issued by your attending doctor / registered medical practitioner / Chinese bonesetter / acupuncturist. All receipts should include your full name, the nature of your sickness / any diagnosis, any treatment information, the date of consultation, the amount billed for any medical service (itemised) and the attending doctor’s signature and chop
  • To reimburse the cost of any medical treatment or medicines prescribed by a physician, medical specialist or Chinese Medicine Practitioner, these receipts must be dated on the same day as your consultation.


  • Any referral letter from the attending doctor for X-rays or laboratory tests, any prescribed medicine or treatment by a specialist*, physiotherapist or chiropractor.

*This doesn’t include the following (unless specified in your policy): dermatologist, ophthalmologist, gynaecologist, orthopaedist, traumatologist, otorhinolaryngologist (ENT) orpaediatrician.

By mail
By mail

Thanks for completing the claims process.

As soon as we receive your claim, we'll let you know. We'll do this within five working days of receiving your claim either via by email or post (please allow for any postal delays via the mail service).

If we need additional information from you, we will let you know – either by email or via your HR if applicable.

Your questions answered


When will you pay me?


How will you pay me?


After I've made a claim, how long should I keep my original documents?

Looking to make a different claim?

We have 'how to claim' guides for all types of insurance plans. Simply select from one of the options below.

Need help with your claim?