Total permanent disability claims

How to file a claim

The things you need to know before you make a claim
Check your claim is eligible 

It’s always a good idea to first check that your certificate covers your claim. The quickest and easiest way to do this is via our myPortal. Or you can feel free to give us a call on 1300 13 7988.

Please give us notice that you intend to make a claim
Please provide written notice that you intend to make a claim (after the six-month qualifying period is up - see below). Please send this written notice within 30 days from the date that your disability started.

Please only submit your claim after the 6-month qualifying period 
A qualifying period is a length of time you need to wait before claiming. It’s a standard procedure for certain types of claims – for example total and permanent disability claims. 

Our qualifying period is six (6) months. This is a standard waiting time for these types of claims.

Please wait until this six months is up and then make a claim. For example, if the qualifying period ended on 1 January, you would need to submit your claim from 2 January onwards. You’ll need a qualified doctor’s report to confirm that you have total and permanent disability.

Note that this Attending Physician's Report from your doctor should only be prepared after the qualifying period.

You may however find it useful to take a look at some of the other documents we’ll need so you can start to collect them in preparation for your claim.

Please note we can only evaluate and start to process your claims within this six month’s qualifying period. However, as above, we do require written notice that you intend to make a claim.

Make it even faster and claim online
Make it even faster and claim online

Here’s a list of what we need

Certified true copy

Please see notes below.

  • The covered person or participant’s Identity Card or birth certificate or passport (including the blank pages in order to get the sequential order – hidden information within the blank pages are not allowed).
  • The claimant’s online banking documents such as a bank statement; the certificate owner’s first page of their bank passbook (only bank accounts with 12 Digits NRIC number). Note that we’ll make any payments via this account if the claim is approved.
  • Any supporting medical reports and/or test results that relate to the disability.


  • Any police report and/or newspaper cuttings if the disability was caused by an accident.

Helping you understand how takaful works

  • The claimant is the person or people making a claim.
  • The participant is the policy certificate holder, the person who took out and paid for the takaful certificate.
  • The covered person is someone covered by the certificate – in other words, if something happened to them, a claim could be made.
  • The nominee is the person (or people) who have been named as someone to receive a claims payment.


  • Documents can be certified (validated) as a true copy by any of the following:
    • An FWD Takaful agent
    • A member of staff from our FWD Takaful office
    • An authorised member of staff from either a government office, any bank, a hospital, or the police
    • A legal professional

If you bought your takaful plan through HSBC Amanah bank, you can also get your documents certified by an authorised HSBC Amanah bank officer.
If you’re unable to get your documents certified by any of the above, please explain why, in writing, and submit this note with your claim.

Please complete a claim form, consent form and obtain a physician’s report

To be completed by the last attending doctor

To be completed by the participant. If there’s more than one participant, all must sign the document

To be completed by the participant. If there is more than one participant, all must sign the document
Note: This allows us to collect any medical records relating to your claim, in accordance with your consumer rights and our contractual agreement.

Send in the completed claim form and all supporting documents. You can submit a claim in the following ways.

By email
By email
By mail
By mail
In person
In person
Via fax
Via fax

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 takaful plans. Simply select from one of the options below.

Frequently asked questions

Need help with your claims?