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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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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>

<div class="show_desktop" style="display: flex;flex-direction: column;gap: 32px;margin: 64px 0;">
  <div style="display: flex;gap: 12px;">
    <div><img src="https://images.contentstack.io/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>
    </div>
  </div>
  <div style="display: flex;gap: 12px;">
    <div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt879c624c69a18d0d/6662bdcb6abc7514ca232e60/dove.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;">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>
    </div>
  </div>
  <div style="display: flex;gap: 12px;">
    <div><img src="https://images.contentstack.io/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>
    </div>
  </div>
</div>

<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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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

  <table class="only-desktop" style="border-collapse: collapse;width: 100%;">
    <tbody>
      <tr style="border-bottom: 1px solid #DBDFE1;">
        <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>
      </tr>
      <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>
      </tr>
    </tbody>
  </table>

  <div class="only-mobile" style="display: flex;flex-direction: column;gap: 16px;">
    <table class="only-mobile" style="border-collapse: collapse;width: 100%;">
      <tbody>
        <tr style="border-bottom: 1px solid #DBDFE1;">
          <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>
        </tr>
        <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>
        </tr>
      </tbody>
    </table>
  </div>

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>

<table class="show_desktop" width="100%" spacing="0" style="border-spacing: 0;">
  <tbody>
    <tr style="background-color: #e87722;text-align: center;color: #fff;">
      <th style="border: 1px solid #e87722;">Neurological Disorders</th>
      <th style="border: 1px solid #e87722;">Heart 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 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>

<table class="show_mobile" width="100%" style="border-spacing: 0;">
  <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>
    <tr>
      <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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="https://images.contentstack.io/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="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">Estimate how much you need</a>
  <p></p>
</div>

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        <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 product is(are) protected by 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 contact FWD Takaful Berhad or PIDM (visit <a href="www.pidm.gov.my" target="_self" style="text-decoration: underline;color: #E87722;">www.pidm.gov.my</a>).</span>
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  <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>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="_self">TIPS Brochure</a> or contact FWD Takaful Berhad or PIDM (visit <a href="www.pidm.gov.my" target="_self" style="text-decoration: underline;color: #E87722;">www.pidm.gov.my</a>).</p>
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Certificate - IB

Application complete

Back

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/bltad0d4cc33d20d724/66fcd801394fa733ba5ce1a4/FWD_Big3_CI_Certificate_ENG_d1b_140824_(1).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>

Let’s start with your details.

Once your application is approved, you will receive an SMS to access your new e-certificate. If you do not receive your SMS within 24 hours, kindly contact us via our hotline number.

Just a few quick health questions.

Choose payment method

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.

You're currently on an active plan and your current selection exceeds the RM 200,000 limit per person covered. The sum covered has been adjusted according to the maximum coverage limit allowed under this plamn. Please make sure you can afford the new contribution.

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.

The sum covered for the people below 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>

<p>Please <strong>open</strong> and <strong>read</strong> the declaration below and confirm:</p>

You can determine a percentage of your sum covered to be donated to support a selected charity body upon your passing.

Do you want to donate your sum covered?

<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>

Let’s start with your details

Your Takaful Certificate Schedule will be sent to your email within 24 hours. If you fail to receive the Schedule, please contact us via our hotline. Upon receiving your Takaful Certificate Schedule, you have 15 days to get a full refund if you change your mind.

<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/blt8aacdf8c96794fab/67adc07861b3d22a860edbad/PDS_FWD_Medical_Care_ENG_v1.2_20241226_Clean_UIUX_(Removed_Step_3_).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

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

You’re currently on an active plan and your current selection exceeds the RM 200,000 limit per person covered. The sum covered has been adjusted according to the maximum coverage limit allowed under this plan. Please make sure you can afford the new contribution.

Name

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.

Because the information you provided does not match the conditions for our consideration, therefore we are unable to proceed with the application. We recalculated your contribution and insurer list.

Verification code

Unable to resume your application

OTP verification fail

OTP Verification

Last step! Payment details

Your plan

Before we start, please confirm...

<p style="font-size: 12px; margin-block-start: 0px;">The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure.<br/><a href="https://www.fwd.com.my/support/contact-us/" target="_blank" style="margin-right:8px;">Contact Us</a><span style="border-left: 1px solid #636566; height: 16px;"></span><a href="https://www.pidm.gov.my/my" target="_blank" style="margin-left:8px;">PIDM</a></p>

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

Mari mulakan dengan maklumat anda

Latar belakang anda

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

Confirmation

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>.

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

You will be redirected to an external payment portal, please choose a bank to proceed.

Are you sure to remove your nominee {{fullName}}?

Residential address

Based on the information you provided, we have revised your premium. Please make sure you can afford the premium

Save for later

Selected plan

Future payment will now be charged into the account you specified. If you wish to update your payment details, please login to <a href='https://www.fwd.com.my/en/customer-portal/login' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b><u>Customer Portal</u></b></a>.

Recurring payment is all set

Set up recurring payment

<p><strong>I confirm that:</strong></p>

Thank you for purchasing our product. Please spare a few minutes to leave a comment about our platform.

Leave us your feedback

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.

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

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

Application information

Applicant basic information

Latar belakang

Your Information

Let’s check one last time.

By clicking “Proceed submission,” you confirm that you are the certificate owner and all the information provided about yourself are accurate.

By clicking “Proceed submission,” you confirm that you are the certificate owner and all the information provided for the person covered and yourself are accurate.

Upload document(s)

Upload document

<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://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>

<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://www.fwd.com.my/life-insurance-takaful/life-takaful-with-cashback-add-on/" 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

Unable to proceed with some of the application(s)

We’re unable to accept your application online as the information provided does not match the conditions required by FWD.

<p>Sorry, we are unable to process <strong>{{fullName}}</strong> as your nominee. You can choose to skip this step for now or nominate another person.</p>

Please upload required document(s).

Upload

Please confirm...

Let's get to know you better.

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.

Please make sure the information below matches the witness’s NRIC.

Your witness

Choose a witness

Add witness

<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>