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Cancer takaful coverage that pays up to RM250,000 upon diagnosis of cancer even at early stages

FWD Care Direct

Critical Illness

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Buy Cancer Protection Plan | FWD Care Direct | FWD Takaful

Why do you need a cancer protection plan?

<div><p><span>According to National Cancer Institute (NCI), cancer is characterised by the growth of abnormal cells in organs or tissues. Cancer is most common among adults and seniors. Incidence rates have increased since 19th century as lifestyle changes have occurred.</span></p><p>Here are some statistics to consider:</p></div>

<div style="display: flex;border-radius: 24px;background: #F8F9F9;padding: 24px;gap: 32px;" class="show_desktop"><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltd808e5d3c1f44828/67ebb9bdf44eced95b41d6e8/04_Customer_1_th_1.svg?branch=capricorn" style="max-width: 120px;height: 64;" height="64"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Cancer affects 1 in 10 people</div><div style="font-size: 14px;font-weight: 450;">Malaysia has seen a steady rise in cases over the years, with a projected <a style="color: rgb(232, 119, 34);" href="https://www.malaymail.com/news/malaysia/2024/02/05/health-minister-stats-dept-2023-report-shows-cancer-fourth-leading-cause-of-death-in-malaysia/116387" target="_blank" rel="noopener noreferrer">20% increase by 2025.</a></div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt4e13866c10dc94ca/67ebb9bdd7fca94dca5f65a6/04_money_bag.svg?branch=capricorn" style="max-width: 120px;height: 64;" height="64"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">High cancer treatment costs burden Malaysian survivors.</div><div style="font-size: 14px;font-weight: 450;">About <a style="color: rgb(232, 119, 34);" href="https://www.moh.gov.my/moh/resources/Penerbitan/Rujukan/NCD/Kanser/National_Strategic_Plan_for_Cancer_Control_Programme_2021-2025.pdf" target="_blank" rel="noopener noreferrer">45% of Malaysian cancer survivors</a> spend over a third of their household income for cancer treatment.</div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltb3be3afe9e940e97/67ebb9bd23211ae1567fecb3/04_Chart_on_screen.svg?branch=capricorn" style="max-width: 69px;height: 63;width: 69;" height="63" width="69" max-width="69"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Cancer is a leading cause of death in Malaysia</div><div style="font-size: 14px;font-weight: 450;">Cancer has become <a style="color: rgb(232, 119, 34);" href="https://www.nst.com.my/lifestyle/heal/2024/06/1068502/cancer-rise-doctors-perspective-malaysias-growing-issue" target="_blank" rel="noopener noreferrer">the fourth leading cause of death in Malaysia</a>, with the mortality rate increasing from 10.5% in 2021 to 12.6% in 2022.</div></div></div><p>You can prevent cancer by getting vaccinated, adopting healthy habits, and getting an early screening. However, cancer can still happen to anyone, and if it does, a cancer coverage plan will ensure that you are financially protected from the costs of a diagnosis.</p>

<div style="display: flex;border-radius: 24px;background: #F8F9F9;padding: 24px;gap: 32px;flex-direction: column;" class="show_mobile"><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltd808e5d3c1f44828/67ebb9bdf44eced95b41d6e8/04_Customer_1_th_1.svg?branch=capricorn" style="max-width: 120px;height: 64;" height="64"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Cancer affects 1 in 10 people</div><div style="font-size: 14px;font-weight: 450;">Malaysia has seen a steady rise in cases over the years, with a projected 20% increase by 2025.</div><div style="font-size: 14px;font-weight: 450;"></div><div style="font-size: 14px;font-weight: 450;">Source: <a style="color: rgb(232, 119, 34);" href="https://www.malaymail.com/news/malaysia/2024/02/05/health-minister-stats-dept-2023-report-shows-cancer-fourth-leading-cause-of-death-in-malaysia/116387" target="_blank" rel="noopener noreferrer">Malaymail, 2024</a></div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt4e13866c10dc94ca/67ebb9bdd7fca94dca5f65a6/04_money_bag.svg?branch=capricorn" style="max-width: 120px;height: 64;" height="64"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">High cancer treatment costs burden Malaysian survivors.</div><div style="font-size: 14px;font-weight: 450;">About 45% of Malaysian cancer survivors spend over a third of their household income for cancer treatment</div><div style="font-size: 14px;font-weight: 450;"></div><div style="font-size: 14px;font-weight: 450;">Source: <a style="color: rgb(232, 119, 34);" href="https://www.moh.gov.my/moh/resources/Penerbitan/Rujukan/NCD/Kanser/National_Strategic_Plan_for_Cancer_Control_Programme_2021-2025.pdf" target="_blank" rel="noopener noreferrer">National Strategic Plan for Cancer Control Programme 2021-2025</a></div></div><div style="display: flex;flex-direction: column;flex: 1 1 30%;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltb3be3afe9e940e97/67ebb9bd23211ae1567fecb3/04_Chart_on_screen.svg?branch=capricorn" style="max-width: 66px;height: 63;width: 66;" height="63" width="66" max-width="66"/></div><div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Cancer is a leading cause of death in Malaysia</div><div style="font-size: 14px;font-weight: 450;">Cancer has become the fourth leading cause of death in Malaysia, with the mortality rate increasing from 10.5% in 2021 to 12.6% in 2022</div><div style="font-size: 14px;font-weight: 450;"></div><div style="font-size: 14px;font-weight: 450;">Source: <a style="color: rgb(232, 119, 34);" href="https://www.nst.com.my/lifestyle/heal/2024/06/1068502/cancer-rise-doctors-perspective-malaysias-growing-issue" target="_blank" rel="noopener noreferrer">NST 2024</a></div></div></div><p>You can prevent cancer by getting vaccinated, adopting healthy habits, and getting an early screening. However, cancer can still happen to anyone, and if it does, a cancer coverage plan will ensure that you are financially protected from the costs of a diagnosis.</p>

From as low as RM16.25/month, FWD Care Direct is a cancer takaful plan that covers you for tomorrow so you can enjoy today. The plan gives you a lump sum benefit when you are diagnosed with cancer, even from the early stages. 


Certificate

Product Disclosure Sheet

Benefits of FWD cancer takaful plan

Benefits of our cancer takaful plan

From as low as RM25/month, FWD Life Takaful covers: 

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;">RM150,000 – RM250,000, in multiples of RM25,000 </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 60 years old</td>
    </tr>
  </tbody>
</table>

<div class="only-mobile" style="display: flex;flex-direction: column;gap: 16px;">
  <div>
    <div style="margin-bottom: 8px;font-weight: 700;color: #E87722;">Sum Covered</div>
    <div>RM150,000 – RM250,000, in multiples of RM25,000</div>
  </div>
  <div style="height: 1px;background-color: #DBDFE1;"></div>
  <div>
    <div style="margin-bottom: 8px;font-weight: 700;color: #E87722;">Eligibility</div>
    <div>17 to 60 years old</div>
  </div>
  <div style="height: 1px;background-color: #DBDFE1;"></div>
</div>

Single adult

How this plan works for you

How this plan works for different life stages

<div class="show_mobile" style="display: flex;border-radius: 24px;background: #FEF9F4;flex-direction: column;"><div style="margin: 32px 24px;display: flex;flex-direction: column;gap: 16px;flex: 1 1 50%;align-items: flex-start;"><h2 style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;line-height: 125%;">Need to claim?<br />We're here to help.</h2><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;max-width: auto;width: auto;" height="20" width="auto" max-width="auto"/><div>Check if your certificate covers the claim and what the qualifying period is</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>Compile and submit all paperwork by emailing contact to <a href="mailto:contact.my@fwd.com" style="color: rgb(232, 119, 34);font-weight: bold;">contact.my@fwd.com</a>, by mail, or in person</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></div><div style="width: 100%;padding: 2px;background: #E87722;border-radius: 4px;"><a href="https://www.fwd.com.my/myPortal/html/index.html#/login" style="display: block;padding: 10px 16px;text-align: center;border-radius: 2px;background: #E87722;color: #FFFFFF;" target="_blank">Customer Portal</a></div><div style="font-size: 14px;color: #636566;">Locate our <a href="https://www.fwd.com.my/hospital-locator/" style="font-weight: bold;color: #E87722;" target="_blank">Panel hospitals</a> near you.</div><div style="font-size: 14px;color: #636566;">Need a little more help? <a href="tel:1300 13 7988" style="font-weight: bold;color: #E87722;">Contact us</a>.</div></div></div>

<div class="show_desktop" style="margin-bottom: 64px;display: flex;border-radius: 24px;background: #FEF9F4;">
  <div style="flex: 1 1 50%;display: flex;justify-content: center;align-items: center;padding: 40px;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt1c1a78cc8cf0ea9d/67ebe88937684438f4783470/img_howtoclaim_1x.webp?branch=capricorn" 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;">
    <h2 style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;line-height: 125%;">Need to claim?<br />We're here to help.</h2>
    <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 and what the qualifying period is</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>Compile and submit all paperwork by emailing contact to <a href="mailto:contact.my@fwd.com" style="color: rgb(232, 119, 34);font-weight: bold;">contact.my@fwd.com</a>, by mail, or in person</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 style="width: 200px;padding: 2px;background: #E87722;border-radius: 4px;"><a href="https://www.fwd.com.my/myPortal/html/index.html#/login" style="display: block;padding: 10px 16px;text-align: center;border-radius: 2px;background: #E87722;color: #FFFFFF;" target="_blank">Customer Portal</a></div>
    <div style="font-size: 14px;color: #636566;">Locate our <a href="https://www.fwd.com.my/hospital-locator/" style="font-weight: bold;color: #E87722;" target="_blank">Panel hospitals</a> near you.</div>
    <div style="font-size: 14px;color: #636566;">Need a little more help? <a href="tel:1300 13 7988" style="font-weight: bold;color: #E87722;">Contact us</a>.</div>
  </div>
</div>

Making a claim

Frequently asked questions on cancer takaful plan

Frequently asked questions on cancer protection plan

<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;">What is cancer takaful plan?</h4><p>A cancer takaful plan is a type of Islamic insurance (takaful) that provides financial protection if cancer strikes. Similar to conventional cancer insurance, the payout will be useful medical treatments, deductibles, alternative treatments, loss of income, and other living expenses as you learn to cope with a cancer diagnosis. Plans in the market may differ in benefits and coverage options such as multi-pay plan where payouts are based on cancer stages or may only just cover for late-stage cancer. </p><p></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;">How much cancer coverage do you need?</h4><p>To ensure you have adequate coverage, it's generally recommended to get a critical illness plan that has cancer protection plan amounting <a href="https://www.fwd.com.my/blog/protection/how-much-critical-illness-insurance-coverage-do-you-need-in-malaysia/" style="color: rgb(232, 119, 34);">to 3 to 5 times your annual income</a>. This guideline considers the recovery period and the financial needs to support lifestyle changes post-diagnosis while you're taking a break from work.</p><p></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;">What is carcinoma in situ?</h4><p>Carcinoma in situ, also known as stage 0 cancer, is an early form of cancer that's less invasive than later-stage cancers. <a href="https://www.pantai.com.my/ms/medical-specialties/oncology/cancer-statistics-malaysia#:~:text=Cancer%20can%20start%20anywhere%20in%20the%20body%2C%20but,in%20Malaysia%20are%3A%20Breast%20cancer%20Colorectal%20%28colon%29%20cancer" target="_self" style="color: rgb(232, 119, 34);">Cancer can start in different parts of the body</a>, like <a href="https://www.fwd.com.my/blog/health/breast-cancer-no-1-cancer-in-malaysia/" target="_self" style="color: rgb(232, 119, 34);">breast</a>, colorectum, lung, nasopharynx, and liver.</p><p></p><p>According to the World Health Organization (WHO),&nbsp;<a href="https://gleneagles.com.my/medical-specialties/oncology/cancer-statistics-malaysia" target="_self" style="color: rgb(232, 119, 34);">1 in 10 males and 1 in 9 females in Malaysia are at risk of developing cancer once in their life</a>. Early detection of in situ cancer and proactive treatment can reduce the risk of it spreading to other organs.</p><p></p></div>

See more FAQs

Frequently asked questions on critical illness takaful

<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/annual_medical_coverage/" target="_blank">Estimate how much you need</a>
  <p></p>
</div>

You can reach us on Monday - Friday, 9am-6pm 
(except weekends and public holidays)

Contact us at 1300 13 7988

Send us a message and we will contact you as soon as possible.

Leave us a message

Contact us

Got a question?

<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 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="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="_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>

Certificate - MYT

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>

<div><p>The projection above is solely for illustration purposes only.</p><br /><p>Premiums are affected by both the increase in treatment costs and the increased use of healthcare services by policy owners. This can result in actual medical inflation rate being higher or lower than the above illustration. We are undertaking the necessary cost containment measures in co-operation with other stakeholders to manage premium increases over time.</p><br /><p>The bulk of your premiums will go to paying claims. On average, for every RM1.00 of premium paid, RM0.722 is allocated to pay claims. The remainder goes to pay commissions to insurance agent, management expenses and profits of the insurers.</p><br /><p><sup>1</sup> This is the year-on-year increase in the average treatment cost as billed by hospitals to the insurance and takaful industry from years 2020 to 2023.</p><br /><p><sup>2 </sup>This is based on insurance and takaful industry average data from years 2021 to 2023. The actual experience of the plan you purchase may differ from the industry average.</p></div>

The premiums for life insurance policies change according to your age.<br/>Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old.<br/><br/>Over the long term, you can reduce premiums payable by choosing plans with a lower annual limit.<br/><br/>

<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

Your payment was successful. Please wait for the confirmation email. Thank you.

Payment Successful

Your payment is in progress. Please wait 10 minutes before retrying the payment.

Payment in progress

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>

Our records indicate that you have already used the promo code in a previous application and we recalculated your premium. Please check to ensure you can afford the new premium.

Premium updated

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>