* For Specialist’s consultation, referral letter for Dermatologist, Ophthalmologist, Gynaecologist, Orthopaedist & Traumatologist, Otorhinolaryngologist (ENT) and Paediatrician are waived, unless otherwise specified in the policy.
For Panel Services
The Insured can simply present FWD Healthcare card and pay the co-payment (if any) stated on the card at the designated clinics to receive consultation/treatment. There is no need to submit a claim request.