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With our critical illness insurance, get covered for up to 5 common critical illnesses. From only RM8.10/month, get an instant quote and also buy online in Malaysia.

i-Protect & i-Protect Plus

Critical Illness Insurance

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Sum Covered

FIB - STD - Credit Card - Annual

FIB - STD - CreditCard - Monthly

FIB - Online Banking - Annual

FIB - Online Banking - Monthly

FIB - eWallet - Annual

FIB - eWallet - Monthly

i-Protect & i-Protect Plus | Critical Illness Insurance | FWD Insurance

Product highlights

What are the benefits?

<div class="show_desktop"><table style="text-align: justify;margin: -40px;padding: 40px 0px 32px 0px;"><colgroup data-width='933.0000000000001'><col style="width:16.1844%"/><col style="width:83.8156%"/></colgroup><tbody style="text-align: justify;"><tr style="text-align: justify;"><td style="text-align: right;"><figure style="text-align: right"><div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt36ddd67d1fc412dd" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltbcec0bcd21a994d5/shield_with_ribbon.png?branch=capricorn" width="100%" alt="shield_with_ribbon.png" style="text-align: right;" /></div></figure></td><td style="text-align: justify;"><p><span style="text-align: left;font-weight: 700;font-size: 20px;">Critical Illness Benefits</span><br /><span style="text-align: left;">Upon diagnosis of any of the listed critical illnesses (up to 5 illnesses), a lump sum will be payable to reduce your financial burden.</span></p></td></tr></tbody></table></div>

<div class="show_mobile"><table style="text-align: justify;"><colgroup data-width='933.0000000000001'><col style="width:16.1844%"/><col style="width:83.8156%"/></colgroup><tbody style="text-align: justify;"><tr style="text-align: justify;"><td style="text-align: right;width: 30%;"><img asset_uid="blt36ddd67d1fc412dd" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltbcec0bcd21a994d5/shield_with_ribbon.png?branch=capricorn" width="96" alt="shield_with_ribbon.png" style="text-align: right;"/></td><td style="text-align: justify;"><p><span style="text-align: left;font-weight: 700;">Critical Illness Benefits</span><br /><span style="text-align: left;">Upon diagnosis of any of the listed critical illnesses (up to 5 illnesses), a lump sum will be payable to reduce your financial burden.</span></p></td></tr></tbody></table></div>

The Important Numbers

i-Protect Dynamic Table

e-Brochure (ENG)

e-Brochure (BM)

e-Brochure (CHI)

i-Protect: Product Disclosure Sheet (PDS)

i-Protect Plus: Product Disclosure Sheet (PDS)

i-Protect: Policy Contract

i-Protect Plus: Policy Contract

<div>
      <div style="display: inline-flex; align-items: center; line-height: 28px">
        18 to 60 years old
      </div>
</div>


Eligibility

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      <div style="display: inline-flex; align-items: center; line-height: 28px">
        Yearly auto renewable up to age 70
      </div>
<br/><br/>* Renewable at the premium rate at attained age.
</div>

Coverage Term

<div>
    <div style="display: inline-flex; align-items: center; line-height: 28px">
        The premiums for life insurance policies change according to your age. 
     </div>
     <br />
</div>


Premiums

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      href="https://www.fwd.com.my/files/v3/assets/bltca8cd6b067df6d1c/blta87ae768f1ee2e1f/665694cf89ebe6b8e10abd45/i-Protect_Plus_PDS_(ENG)_Male_&_Female_refund_of_premium.pdf?branch=capricorn"
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Frequently asked questions

<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;">01</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;margin-top: 4px;">What is i-Protect and i-Protect Plus?</h4><p>i-Protect and i-Protect Plus are non-participating, yearly auto renewable critical illness insurance term policies in Malaysia that cover the Critical Illnesses (CI) stated above. It is a protection plan that does not include any savings or investment elements.</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;">02</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;margin-top: 4px;">Am I eligible?</h4><p>If you are a Malaysian between 18 years old and 60 years old, you are eligible to sign up for this plan.</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;">03</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;margin-top: 4px;">How much does it cost?</h4><p>Depending on your age, gender and selected plan, premiums can be as low as RM8.10 per month.</p></div>

Recommended products

<div style="display: flex;align-items: center;gap: 4px;"><img src="https://images.contentstack.io/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">Check how much coverage you need</a>
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Chat with us

You can call us Mon - Fri, 8:30am-5:30pm
(except Public Holidays)

Call us on 1 300 22 6262

Send an email at **ask&#64;fwd.com** and we will get back to you shortly.

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Get in touch with us

<div class="show_desktop"><table><tbody><tr><td><img width="214" src="https://images.contentstack.io/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 policy is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM's <a target="_blank" href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" style="text-decoration: underline;color: #e87722;">TIPS Brochure</a> or visit <a target="_blank" href="https://www.pidm.gov.my/en" style="text-decoration: underline;color: #e87722;">www.pidm.gov.my</a> or <a target="_blank" href="https://www.fwd.com.my/support/contact-us/" style="text-decoration: underline;color: #e87722;">contact FWD Insurance Berhad</a> . </span></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="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 274;height: auto;" height="auto" /></div>
  <p style="font-size: 16px;line-height: 24px;">The benefit(s) payable under eligible policy is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM's <a target="_blank" href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" style="text-decoration: underline;color: #e87722;">TIPS Brochure</a> or visit <a target="_blank" href="https://www.pidm.gov.my/en" style="text-decoration: underline;color: #e87722;">www.pidm.gov.my</a> or <a target="_blank" href="https://www.fwd.com.my/support/contact-us/" style="text-decoration: underline;color: #e87722;">contact FWD Insurance Berhad</a> .</p>
</div>

Certificate_PIDM_FIB

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Tell us more about yourself and the person covered.

Tell us more about yourself.

About

Your information

Information of person covered

Basic information

Let's start with your details.

About you

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt714063ba8edff959/66c6af1a3f4c194e8c1ce067/FWD_Big3_CI_Certificate_ENG_d1b_140824.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'>        <img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt659613fa2b0b29b7/66bb8ab72f80d2aec3f33091/PDS_Big3_Critical_Illness_ENG_v3.2_20240718_UIUX.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Let us get to know you better

Assessment

<ol style='display: flex; flex-direction: column; gap: 20px; font-size: 14px;'><li>Have you ever had, or been told that you have, or are you currently under investigation for diabetes, high blood pressure, cardiovascular disease, cerebral vascular disease, nervous system disorder, urogenital disorder, AIDS or infection with HIV, cancer, carcinoma in situ, pre-malignant changes, tumour, lump or polyp?<br><span style='color: #636566; font-size: 12px;'>For tumour, lump or polyp which have been removed without recurrence and confirmed as benign, please select ‘No’.</span></li><li>In the past 2 years, have you had abnormal results or results outside the normal range in a pap smear, mammogram, breast ultrasound, prostate examination or tumour marker blood test?</li><li>In the past 3 months, have you experienced unexplained weight loss of 5 kg or more; blood in urine, persistent coughing, bleeding from the bowels or in stools, diarrhoea or constipation for 30 days or more?</li></ol>

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Contact

Based on the information you have provided, we recalculated your contribution. Please make sure you can afford the new contribution.

You must be a parent, spouse, or legal guardian of the dependant and will need to provide proof of relationship.

Participate as a family, protect yourself, spouse and up to two kids.

The certificate term for spouse and child(s) is calculated subject to maximum expiry age and certificate owner’s certificate term.

<p><b>I hereby irrevocably and unconditionally:</b></p>

<p>Confirm that I am the payor and I authorise FWD Insurance Berhad to debit this credit/debit/bank account/e-Wallet for my payment of premium for this application, including subsequent payment premiums upon issuance of this insurance policy and</p>

<p>Confirm that I have read, understood and fully agree to all the <a  href="#" data-content-type="shared_content_container" data-content-id="bltef1e1917b2a968f3" data-display-type="modal" data-display-properties="{&quot;displayProperties&quot;:[{&quot;media&quot;:{&quot;min-width&quot;:&quot;320px&quot;},&quot;width&quot;:&quot;100%&quot;,&quot;max-width&quot;:&quot;502px&quot;,&quot;height&quot;:&quot;100%&quot;,&quot;max-height&quot;:&quot;100%&quot;}]}" style="color:#e87722;text-decoration: none;"><b>Terms and Conditions</b></a> for e-payment transactions.</p>

<p>Understand that FWD Insurance Berhad shall take steps to comply with laws, regulations and requests of relevant authorities in the areas of sanctions, anti-money laundering and counter-terrorism financing, inclusive but not exhaustive of the sanctions adopted by the, but not limited to, United Nations Security Council (“UNSC”) and Ministry of Home Affairs (“MOHA”).  These steps could include ending your proposal, freeze, as well as treating premiums paid and amounts payable under your policy, in any manner we deem appropriate.</p>

Submission

Deductible amount

Complete purchase in a few simple steps

Based on the person covered’s health details and their eligibility to apply for the product, the sum covered has changed. We’ve recalculated your contribution. Please make sure you can afford the new contribution.

Person covered's sum covered exceeds the conditions set by FWD.

Please enter your child’s details. All fields are mandatory unless otherwise stated.

All fields are mandatory unless otherwise stated.

Please enter your spouse’s details. All fields are mandatory unless otherwise stated.

Financial analysis

Before we start

Your analysis result

Front

Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old {{gender}}.<br/><br/>

Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old.<br/><br/>

<p><ul style="margin-block-start: 0px; margin-block-end: 0px; padding-inline-start: 18px;"><li>Cancer</li><li>Stroke</li><li>Heart attack</li></ul></p>

<p><ul style="margin-block-start: 0px; margin-block-end: 0px; padding-inline-start: 18px;"><li>Cancer</li><li>Stroke</li><li>Heart attack</li><li>Coronary artery by-pass surgery</li><li>Kidney failure</li></ul></p>

Tell us more about you.

Your policy contract will be sent to you via email and WhatsApp within the next 24 hours. If you do not receive your policy, please <a href='https://www.fwd.com.my/support/contact-us' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b>contact us.</b></a>

Let’s start with your details

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='/ec/assets/v3/assets/bltca8cd6b067df6d1c/blt833acd4fa4ddb0b2/Certificate_FWD_Big3_ENG.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'>        <img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='/ec/assets/v3/assets/bltca8cd6b067df6d1c/blt7542ed214cf79917/PDS_Big3_Critical_Illness_ENG.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Thank you for your enquiry

Thank you for your interest in our product

The link is no longer valid

Link sent

Mailing address

Tell us more about your child.

About your child

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blte25f861e10234eca/66bb812d88b74e7642b10f51/[24-159_3_8]_FWD_MedicalCare_ENG_d4_090824.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltd13915d549e8d76b/66bb884477be394f94ea4c57/PDS_FWD_Medical_Care_EN_v2.1_20240723_UIUX.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Based on the information you've provided, we've recalculated your contribution. Please make sure you can afford the new contribution.

Contribution is updated

Just a few quick health questions.

Your height and weight

Your child's height and weight

Your health condition

Your child's health condition

Your occupation

Your child's occupation

Based on the information you have provided, we recalculated your contribution and sum covered amount. Please make sure you can afford the new contribution.

Your ID (NRIC) card - back

Your ID (NRIC) card - front

Nomination(s)

Assign nominee (optional)

Nomination

Add Nomination and Witness

A nominee is a person who will receive the proceeds from your policy upon death.

You may assign nominee now or after the completion of the purchase process via customer portal.

Verification code

Unable to resume your application

OTP verification fail

OTP Verification

Last step! Payment details

Your plan

Let’s start with your details.

Before we start, please confirm...

<div>I consent to the disclosure of my personal details and person covered details for application of this Takaful certificate and its related services. I confirmed that I have read and understood the Personal Data Protection Notice as made available at <a target='blank' href='https://www.fwd.com.my'>www.fwd.com.my</a>. I am aware that this consent can be withdrawn at any time by giving a written notice to FWD Takaful.</div>

According to your covered persons' health details and their eligibility to apply the product, the contribution has been changed. <br/>We recalculated your contribution. Please make sure you can afford the new contribution.

The person(s) covered does not pass health screening.

Plan is updated

Let’s create a takaful pre-existing illnesses other than pre-existing learning or physical disability (where applicable) that we have specifically accepted to be covered under the certificate;
ul plan together

Your hospitalisation costs as well as surgical, anaesthetist’s and physician’s fees covered.

Covers unexpected costs like ambulance fees which can go up to RM200 per trip.

Covers your medical and treatment expenses up to 30 days post hospitalisation.

Plan updated

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<p><strong>Person covered</strong></p>

<p><strong>Your certificate summary</strong></p>

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<div style="text-align: center;">If you need any help, feel free to <a target="_blank" href="https://www.fwd.com.my/support/contact-us/">contact us</a>.</div>

<p>To make a claim, please refer to the <a href="https://www.fwd.com.my/claims/#takaful" target="_blank" rel="noopener noreferrer" style="color:#e87722;">claims guide</a>. If you wish to access all other product documentation, click <a href="https://uat-www.fwd.com.my/medical/specialmed" target="_blank" rel="noopener noreferrer" style="color:#e87722;">here</a>. For any other enquiries, our customer service can be reached at <a href="tel:/1300137988" target="_blank" rel="noopener noreferrer" style="color:#e87722;">1300 13 7988</a> or email <a href="mailto:contact.my@fwd.com" target="_blank" rel="noopener noreferrer" style="color:#e87722;">contact.my@fwd.com</a>.</p>

Witness

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Assessment questions

Cancer

Notes for applicant

Occupation group

Please answer the below underwriting questions for your child. All fields are mandatory unless otherwise stated.

Your general information

{{fullName}}'s general information

{{fullName}}'s health condition

{{fullName}}'s occupation

Please answer the below underwriting questions for spouse. All fields are mandatory unless otherwise stated.

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Your witness

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<p>It is mandatory for a witness who is not the policyholder and/or nominee(s) to provide a Witness Signature.<br /></p><p>Witness must be at least 18 years old, be a person of sound mind, and not named as policy holder and/or nominee(s)</p>

Product highlights

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FAQ

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