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Get covered for the top 3 critical illnesses in Malaysia for as low as 40% of the price of a regular critical illness plan

FWD Big 3 Critical Illness

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Why do you need a critical illness plan?

<div><p><span>Non-communicable diseases (NCDs), also commonly known as critical illnesses, are becoming an increasing burden among Malaysians. The increasing prevalence can be </span><span><a style="color: rgb(232, 119, 34);" href="https://iptk.moh.gov.my/images/technical_report/2020/4_Infographic_Booklet_NHMS_2019_-_English.pdf" target="_blank">attributed to factors such as rapid urbanisation, poor lifestyle choices, increased pollution, and low health literacy</a> and more.</span></p><p>Here are some statistics to consider:</p></div>

<div class="show_desktop" style="display: flex;border-radius: 24px;background: #F8F9F9;padding: 24px;gap: 32px;"><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt876327259d66313e/6662bc9dc97e385695f15618/medical_report.svg?branch=capricorn" style="max-width: 120px;height: 80;" height="80"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Malaysians face a high risk of being diagnosed with a critical illness.</div><div style="font-size: 14px;font-weight: 450;"><a style="color: rgb(232, 119, 34);" href="https://www.moh.gov.my/moh/resources/Penerbitan/Penerbitan Utama/Kertas Putih Kesihatan/Kertas_Putih_Kesihatan_(ENG)_compressed.pdf" target="_blank" rel="noopener noreferrer">98% of the Malaysian adult population have or are affected by at least one critical illness risk factor</a> in their lifetime, as reported by the Malaysian Ministry of Health.</div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltd6b86f5b725ddfd2/6662bce43c0f7e17a2a4330c/graph.svg?branch=capricorn" style="max-width: 120px;height: 80;" height="80"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Critical illnesses are impacting premature mortality trends.</div><div style="font-size: 14px;font-weight: 450;">Almost 25% of Malaysia’s premature deaths are caused by critical illnesses. Worryingly, <a style="color: rgb(232, 119, 34);" href="https://www.thestar.com.my/news/nation/2023/11/29/interactive-heart-disease-is-top-cause-of-early-deaths-in-malaysia" target="_blank" rel="noopener noreferrer">heart disease-related deaths (#1 cause of premature deaths) has seen a steady rise among young adults </a>since 2016.</div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltc093a5f8dc8eaf93/6662bd16fe5232d5e1287007/chart.svg?branch=capricorn" style="max-width: 120px;height: 80;" height="80"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">High out-of-pocket healthcare expenditure</div><div style="font-size: 14px;font-weight: 450;"><span>The National Health &amp; Morbidity Survey reported that Malaysians lack sufficient coverage. In fact, </span><a style="color: rgb(232, 119, 34);" href="https://iptk.moh.gov.my/images/technical_report/2020/4_Infographic_Booklet_NHMS_2019_-_English.pdf" target="_blank" rel="noopener noreferrer">81% of Malaysians pay for health services from their current income, and 36% tap into their hard-earned savings.</a></div></div></div>

<div class="show_mobile" style="border-radius: 24px;background: #F8F9F9;padding: 24px;gap: 32px;"><div style="display: flex;flex-direction: column;flex: 1 1 30%;margin-bottom: 15px;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt876327259d66313e/6662bc9dc97e385695f15618/medical_report.svg?branch=capricorn" style="max-width: 120px;height: 80;" height="80"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Malaysians face a high risk of being diagnosed with a critical illness.</div><div style="font-size: 14px;font-weight: 450;"><a style="color: rgb(232, 119, 34);" href="https://www.moh.gov.my/moh/resources/Penerbitan/Penerbitan Utama/Kertas Putih Kesihatan/Kertas_Putih_Kesihatan_(ENG)_compressed.pdf" target="_blank" rel="noopener noreferrer">98% of the Malaysian adult population have or are affected by at least one critical illness risk factor</a> in their lifetime, as reported by the Malaysian Ministry of Health.</div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;margin-bottom: 15px;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltd6b86f5b725ddfd2/6662bce43c0f7e17a2a4330c/graph.svg?branch=capricorn" style="max-width: 120px;height: 80;" height="80"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Critical illnesses are impacting premature mortality trends.</div><div style="font-size: 14px;font-weight: 450;">Almost 25% of Malaysia’s premature deaths are caused by critical illnesses. Worryingly, <a style="color: rgb(232, 119, 34);" href="https://www.thestar.com.my/news/nation/2023/11/29/interactive-heart-disease-is-top-cause-of-early-deaths-in-malaysia" target="_blank" rel="noopener noreferrer">heart disease-related deaths (#1 cause of premature deaths) has seen a steady rise among young adults </a>since 2016.</div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltc093a5f8dc8eaf93/6662bd16fe5232d5e1287007/chart.svg?branch=capricorn" style="max-width: 120px;height: 80;" height="80"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">High out-of-pocket healthcare expenditure</div><div style="font-size: 14px;font-weight: 450;"><span>The National Health &amp; Morbidity Survey reported that Malaysians lack sufficient coverage. In fact, </span><a style="color: rgb(232, 119, 34);" href="https://iptk.moh.gov.my/images/technical_report/2020/4_Infographic_Booklet_NHMS_2019_-_English.pdf" target="_blank" rel="noopener noreferrer">81% of Malaysians pay for health services from their current income, and 36% tap into their hard-earned savings.</a></div></div></div>

<p style="margin-top: 30px;"><a style="color: rgb(232, 119, 34);" href="https://www.freemalaysiatoday.com/category/nation/2024/01/04/almost-100000-malaysians-died-prematurely-due-to-ncds-last-year/" target="_blank">Malaysia spent almost RM10 billion on treating critical illnesses, contributing to 16.8% of the total healthcare expenditure in 2022.</a> <span>Regardless of whether there is a history of critical illnesses in your family, it is important that you consider having critical illness coverage in your wealth protection portfolio. A good critical illness plan will allow you to focus on your recovery instead of the costs that come with a diagnosis.</span></p>

Benefits of FWD Big 3 Critical Illness

<p>FWD Big 3 Critical Illness is a critical illness protection plan that covers you for heart attack, cancer, and stroke, at 40% of the price of a regular critical illness plan. Choose from 5 sum covered options from as low as RM10.27/month, and sign up in 3 easy steps to enjoy the benefits.</p>

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    <div><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt423125e076471ce5/6662bdb20fa3bf1f1514553d/shield.svg?branch=capricorn" style="max-width: 96px;height: 96;" height="96" /></div>
    <div style="display: flex;flex-direction: column;gap: 6px;">
      <div style="font-size: 20px;font-weight: 700;">Lump sum coverage for the top 3 critical illnesses in Malaysia</div>
      <div>Get 100% payout up to RM250,000 upon diagnosis of cancer, heart attack, or stroke.</div>
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    <div><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt879c624c69a18d0d/6662bdcb6abc7514ca232e60/dove.svg?branch=capricorn" style="max-width: 96px;height: 96;" height="96" /></div>
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      <div style="font-size: 20px;font-weight: 700;">Death benefit due to all causes</div>
      <div>RM20,000 will be paid out to your beneficiaries in the event you pass away, which can be used to temporarily support your loved ones while they get back on their feet.</div>
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    <div><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltbf5917a31025cf26/6662bde10fa3bf6d3b145544/heart_in_head.svg?branch=capricorn" style="max-width: 96px;height: 96;" height="96" /></div>
    <div style="display: flex;flex-direction: column;gap: 6px;">
      <div style="font-size: 20px;font-weight: 700;">Optional neurological and heart disorder benefit</div>
      <div>To further enhance your coverage, the plan comes with accidental death benefit and compassionate benefit. <span>There are 24 conditions covered by the plan. </span><a href="#OptionalNeurologicalandHeartDisorderbenefit" style="color:rgb(232, 119, 34);"><strong>Read more</strong></a></div>
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<div class="show_mobile" style="display: flex;flex-direction: column;gap: 24px;margin: 48px 0;"><div style="display: flex;flex-direction: column;"><div style="display: flex;gap: 8px;align-items: center;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt423125e076471ce5/6662bdb20fa3bf1f1514553d/shield.svg?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Lump sum coverage for the top 3 critical illnesses in Malaysia</div></div><div>Get 100% payout up to RM250,000 upon diagnosis of cancer, heart attack, or stroke.</div></div><div style="display: flex;flex-direction: column;"><div style="display: flex;gap: 8px;align-items: center;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt879c624c69a18d0d/6662bdcb6abc7514ca232e60/dove.svg?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Death benefit due to all causes</div></div><div>RM20,000 will be paid out to your beneficiaries in the event you pass away, which can be used to temporarily support your loved ones while they get back on their feet.</div></div><div style="display: flex;flex-direction: column;"><div style="display: flex;gap: 8px;align-items: center;"><div><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltbf5917a31025cf26/6662bde10fa3bf6d3b145544/heart_in_head.svg?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Optional neurological and heart disorder benefit</div></div><div>Enhance your plan to receive a lump sum payout for early conditions that affect your brain or heart functions. There are 24 conditions covered by the plan. <a href="#abc" style="font-size: 16px;font-weight: 700;color: rgb(232, 119, 34);">Read more</a></div></div></div>

Brochure

Certificate

Product disclosure sheet

Benefit Summary

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        <td style="padding: 24px 0;font-weight: 700;color: #E87722;width: 40%;">Sum covered</td>
        <td style="padding: 24px 0 24px 24px;">RM50,000 – RM250,000, in multiples of RM50,000</td>
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      <tr style="border-bottom: 1px solid #DBDFE1;">
        <td style="padding: 24px 0;font-weight: 700;color: #E87722;width: 40%;"> Eligibility</td>
        <td style="padding: 24px 0 24px 24px;">17 to 65 years old</td>
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          <td style="padding: 24px 0;font-weight: 700;color: #E87722;width: 40%;">Sum covered</td>
          <td style="padding: 24px 0 24px 24px;">RM50,000 – RM250,000, in multiples of RM50,000</td>
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        <tr style="border-bottom: 1px solid #DBDFE1;">
          <td style="padding: 24px 0;font-weight: 700;color: #E87722;width: 40%;"> Eligibility</td>
          <td style="padding: 24px 0 24px 24px;">17 to 65 years old</td>
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Benefit summary

Optional Neurological and Heart Disorder benefit

List of neurological and heart disorders covered by the optional benefit

<p style="margin-bottom: 30px;">If you are diagnosed with any of the 24 early conditions covered, the plan will pay either 100% of sum covered or total contributions paid, whichever is higher.</p>

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      <th style="border: 1px solid #e87722;">Neurological Disorders</th>
      <th style="border: 1px solid #e87722;">Heart Disorders</th>
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        <ul>
          <li>Amyotrophic lateral sclerosis</li>
          <li>Brain aneurysm surgery (via craniotomy)</li>
          <li>Brain aneurysm surgery (via endovascular procedures)</li>
          <li>Carotid artery surgery</li>
          <li>Cavernous sinus thrombosis surgery</li>
          <li>Cerebral shunt insertion</li>
          <li>Minor bacterial meningitis</li>
          <li>Polio Induced Muscle Weakness</li>
          <li>Primary lateral sclerosis</li>
          <li>Progressive bulbar palsy (PBP)</li>
          <li>Progressive supranuclear palsy</li>
        </ul>
      </td>
      <td style="border: 1px solid #e87722;border-left: none; vertical-align: top;">
        <ul>
          <li> Cardiac defibrillator insertion </li>
          <li> Cardiac pacemaker insertion </li>
          <li> Cardiomyopathy </li>
          <li> Coronary artery atherectomy </li>
          <li> Coronary artery disease </li>
          <li> Enhanced external counter pulsation </li>
          <li> Increased pulmonary blood pressure</li>
          <li> Keyhole coronary bypass surgery </li>
          <li> Large asymptomatic aortic aneurysm </li>
          <li> Minimally invasive surgery to aorta </li>
          <li> Myocardial laser revascularisation </li>
          <li> Percutaneous valvuloplasty, valvotomy, percutaneous valve replacement, or device repair </li>
          <li> Pericardiectomy </li>
        </ul>
      </td>
    </tr>
  </tbody>
</table>

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  <tbody>
    <tr style="background-color: #e87722;text-align: center;color: #fff;">
      <th style="border: 1px solid #e87722;">Neurological Disorders</th>
    </tr>
    <tr>
      <td style="border: 1px solid #e87722; vertical-align: top;">
        <ul>
          <li>Amyotrophic lateral sclerosis</li>
          <li>Brain aneurysm surgery (via craniotomy)</li>
          <li>Brain aneurysm surgery (via endovascular procedures)</li>
          <li>Carotid artery surgery</li>
          <li>Cavernous sinus thrombosis</li>
          <li>surgery</li>
          <li>Cerebral shunt insertion</li>
          <li>Minor bacterial meningitis</li>
          <li>Polio Induced Muscle Weakness</li>
          <li>Primary lateral sclerosis</li>
          <li>Progressive bulbar palsy (PBP)</li>
          <li>Progressive supranuclear palsy</li>
        </ul>
      </td>
    </tr>
    <tr style="background-color: #e87722;text-align: center;color: #fff;">
      <th style="border: 1px solid #e87722;">Heart Disorders</th>
    </tr>
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      <td style="border: 1px solid #e87722; vertical-align: top;">
        <ul>
          <li> Cardiac defibrillator insertion </li>
          <li> Cardiac pacemaker insertion </li>
          <li> Cardiomyopathy </li>
          <li> Coronary artery atherectomy </li>
          <li> Coronary artery disease </li>
          <li> Enhanced external counter pulsation </li>
          <li> Increased pulmonary blood pressure</li>
          <li> Keyhole coronary bypass surgery </li>
          <li> Large asymptomatic aortic aneurysm </li>
          <li> Minimally invasive surgery to aorta </li>
          <li> Myocardial laser revascularisation </li>
          <li> Percutaneous valvuloplasty, valvotomy, percutaneous valve replacement, or device repair </li>
          <li> Pericardiectomy </li>
        </ul>
      </td>
    </tr>
  </tbody>
</table>

Single Adult

Newly-wed

How this plan works for different life stages

Making a claim

<div class="show_desktop" style="display: flex;border-radius: 24px;background: #FEF9F4;"><div style="flex: 1 1 50%;display: flex;align-items: flex-end;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt8def60e1c6e42708/6661c95b3ec04128727f7899/image.png?branch=capricorn" style="width: 100%;" width="100%"/></div><div style="margin: 40px;margin-left: 0;display: flex;flex-direction: column;gap: 16px;flex: 1 1 50%;align-items: flex-start;"><h3 id="Makingaclaim" style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;">Claim online with FWD</h3><div style="display: flex;flex-direction: column;gap: 8px;"><div style="display: flex;gap: 8px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20"/><div>Check if your certificate covers the claim</div></div><div style="display: flex;gap: 8px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20"/><div>All certificate owners can conveniently submit claims through our user-friendly online portal</div></div><div style="display: flex;gap: 8px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20"/><div>Track your claim progress</div></div></div><div><a href="https://www.fwd.com.my/myPortal/html/index.html#/login" style="display: flex;padding: 10px 16px;justify-content: center;align-items: center;gap: 4px;border-radius: 4px;background: #E87722;color: #FFFFFF;" target="_blank"> Customer Portal</a></div><div style="font-size: 14px;">Alternatively, you can also file your claim by <a href="tel:1300 13 7988" style="font-weight: bold;color: #E87722;">Contact us</a>.</div><div style="display: flex;gap: 8px;"><a href="https://www.fwd.com.my/claims/tkfl/#critical-illness-claim" style="font-weight: bold;color: #E87722;" target="_blank">Medical Reimbursement claims</a><div style="height: 100%;width: 1px;background-color: #DBDFE1;"></div><a href="https://www.fwd.com.my/hospital-locator/" style="font-weight: bold;color: #E87722;" target="_blank">Panel hospitals</a></div></div></div>

<div id="Makingaclaim" class="show_mobile" style="display: flex;border-radius: 24px;background: #FEF9F4;flex-direction: column;"><div style="margin: 32px 24px;margin-bottom: 0;display: flex;flex-direction: column;gap: 16px;flex: 1 1 50%;align-items: flex-start;"><h3 id="Makingaclaim" style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;line-height: 125%;">Claim online with FWD</h3><div style="display: flex;flex-direction: column;gap: 8px;"><div style="display: flex;gap: 8px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20"/><div>Check if your certificate covers the claim</div></div><div style="display: flex;gap: 8px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20"/><div>All certificate owners can conveniently submit claims through our user-friendly online portal</div></div><div style="display: flex;gap: 8px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt1ec87e7166288e77/6661c9fe3c0f7e8613a42a18/image.png?branch=capricorn" style="height: 20;" height="20"/><div>Track your claim progress</div></div></div><div><a href="https://www.fwd.com.my/myPortal/html/index.html#/login" style="display: flex;padding: 10px 16px;justify-content: center;align-items: center;gap: 4px;border-radius: 4px;background: #E87722;color: #FFFFFF;" target="_blank">Customer Portal</a></div><div style="font-size: 14px;">Alternatively, you can also file your claim by <a href="tel:1300 13 7988" style="font-weight: bold;color: #E87722;">Contact us</a>.</div><div style="display: flex;gap: 8px;flex-direction: column;"><a href="https://www.fwd.com.my/claims/medical-reimbursement-claims/" style="font-weight: bold;color: #E87722;" target="_blank">Medical Reimbursement claims</a> <a href="https://www.fwd.com.my/hospital-locator/" style="font-weight: bold;color: #E87722;" target="_blank">Panel hospitals</a></div></div><div style="display: flex;align-items: flex-end;height: 200px;align-self: center;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/bltcf9a4b7664cfa5db/6661d639fe5232f2ab28673d/image.png?branch=capricorn" style="height: 100%;max-width: auto;width: auto;" height="100%" width="auto" max-width="auto"/></div></div>

Frequently asked questions on critical illness takaful

<div style="background-color: #F8F9F9;border-radius: 16px;padding: 16px 32px;margin-bottom: 24px;"><span style="font-size: 39px;font-weight: 700;line-height: 48px;color: #E87722;">1</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;">What is considered a critical illness?</h4><p>There are certain conditions that are considered as critical illnesses. For FWD Big 3 Critical Illness, cancer would mean any malignant tumour positively diagnosed with histological confirmation and characterised by the uncontrolled growth of malignant cells and invasion of tissue. Heart attack refers to the death of heart muscle due to inadequate blood supply. Stroke refers to the death of brain tissue due to inadequate blood supply, bleeding within the skull or embolisation from an extra cranial source resulting in permanent neurological deficit with persisting clinical symptoms. </p><p>There's an optional add-on to the plan to cover 24 conditions that affect brain and heart function including coronary artery disease and cardiac pacemaker insertion.</p><p>Read the detailed medical definitions of the critical illnesses covered in this certificate.</p></div>

<div style="background-color: #F8F9F9;border-radius: 16px;padding: 16px 32px;margin-bottom: 24px;"><span style="font-size: 39px;font-weight: 700;line-height: 48px;color: #E87722;">2</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;">How much critical illness coverage do you need?</h4><p>The general guideline is that you should get critical illness protection of 3 to 5 times your annual income to get adequate coverage. This is based on the number of years it takes to recover and also the financial needs to support post-diagnosis lifestyle changes while you take a break from work.</p></div>

<div style="background-color: #F8F9F9;border-radius: 16px;padding: 16px 32px;margin-bottom: 24px;"><span style="font-size: 39px;font-weight: 700;line-height: 48px;color: #E87722;">3</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;">Does FWD Big 3 Critical Illness cover 36 common critical illnesses?</h4><p>No. Many insurers and takaful operators cover 36 of the commonly known critical illnesses, and some as high as 160. To keep things simple, FWD Big 3 Critical Illness is designed to cover only the top 3 causes of critical illness deaths in Malaysia – cancer, heart attack, and stroke.</p></div>

See more FAQs

<div style="display: flex;align-items: center;gap: 4px;"><img src="/images/v3/assets/bltca8cd6b067df6d1c/blt0cf5d9fe50dd418f/65c1fc31b3cfc08374e5e457/Calculator.svg?branch=capricorn" alt="Calculator.svg" height="auto" /> <a style="font-weight: 700;color: #E87722;font-size: 16px;" href="https://www.mycoverage.my/en/calculator/critical_illness_coverage/" target="_blank">Estimate how much you need</a>
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      <tr>
        <td><img width="214" src="/images/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 214;height: auto;" height="auto" /></td>
        <td style="padding-left: 24px;"> <span style="font-size: 16px;line-height: 24px;">The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM's <a  target="_blank" rel="noopener noreferrer nofollow" href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" style="text-decoration: underline;color: #E87722;">TIPS Brochure</a> or contact FWD Takaful Berhad or PIDM (visit <a href="https://www.pidm.gov.my"  target="_blank" rel="noopener noreferrer nofollow" style="text-decoration: underline;color: #E87722;">www.pidm.gov.my</a>).</span>
          <p></p>
          <p style="font-size: 16px;line-height: 24px;"></p>
          <p></p>
        </td>
      </tr>
    </tbody>
  </table>
</div>

<div class="show_mobile">
  <div style="display: flex;justify-content: center;flex-direction: column;align-items: center;"><img width="274" src="/images/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 274;height: auto;" height="auto" /></div>
  <p>The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM's <a href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf"  target="_blank" rel="noopener noreferrer nofollow">TIPS Brochure</a> or contact FWD Takaful Berhad or PIDM (visit <a href="https://www.pidm.gov.my"  target="_blank" rel="noopener noreferrer nofollow" style="text-decoration: underline;color: #E87722;">www.pidm.gov.my</a>).</p>
</div>