Medical claims

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FWD eServices

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How to file a claim for

The things you need to know before you make a claim
If you have a policy from your employer, please head to our dedicated claims page for employees.

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 3344.

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


  • 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, or any prescribed medicine or treatment by a specialist*, physiotherapist or chiropractor. 
  • Any prescriptions from a Chinese Medicine Practitioner

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

For CARING Family Medical Insurance Plan, TheChoice Medical Insurance, VChoice Voluntary Health Insurance Plan

  • Part 1 to be completed by you / the insured customer. Part 2 to be completed by your dentist.
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 SMS, email, or post (please allow for any postal delays via the mail service). 

If you’ve bought your plan via an agent, you’ll receive this notification from your agent, according to how they normally communicate with you.

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

Your questions answered


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Who do I speak to if I have a question on my claim?

Frequently asked questions

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