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Comprehensive medical card at great value. Save up to 45% with deductibles.

FWD Medical Care+

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Get Medical Card Online | FWD Medical Care+ | FWD Takaful

Product highlights

Why do you need a medical card?

<div><p><span>Medical cards, also known as medical insurance/takaful plans, help to pay for inpatient and outpatient medical expenses incurred. This is important as </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">healthcare is getting more expensive in Malaysia, due to increase in non-communicable diseases, rising medical advancements, ageing population, and depreciating ringgit.</a></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/blt919cb99a8b0da802/665ee22fa3c3fe4f1d4d2050/image.png?branch=capricorn" style="max-width: 120px;height: 80;" height="80" /></div>
    <div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Medical inflation rate continues to rise</div>
    <div style="font-size: 14px;font-weight: 450;"><a style="color: rgb(232, 119, 34);" href="https://insights-north-america.aon.com/research/2022-global-medical-trend-rates-report" target="_blank" rel="noopener noreferrer">The medical inflation rate in Malaysia is 12%, 6x higher than the annual general inflation rate,</a> and this figure is expected to increase by 10 - 15% every year.</div>
  </div>
  <div style="display: flex;flex-direction: column;flex: 1 1 30%;">
    <div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blte13e720a14f92dad/6660723c751668779c8b9460/image.png?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;">As reported in the National Health &amp; Morbidity Survey, <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 style="display: flex;flex-direction: column;flex: 1 1 30%;">
    <div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blta6be9225fa466215/6660724d70d09b7755d63e78/image.png?branch=capricorn" style="max-width: 120px;height: 80;" height="80" /></div>
    <div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Long way to go to close the protection gap</div>
    <div style="font-size: 14px;font-weight: 450;"><a style="color: rgb(232, 119, 34);" href="https://www.pidm.gov.my/pidm2022/media/assets/pdf/PIDM-BIT-Insurance-Report_website.pdf" target="_blank" rel="noopener noreferrer">40% of Malaysians still have no form of personal health coverage while others lack sufficient coverage,</a> leaving them vulnerable to crippling medical expenses.</div>
  </div>
</div>
  <p></p>

<div class="show_mobile" style="display: flex;border-radius: 24px;background: #F8F9F9;padding: 24px;gap: 32px;flex-direction: column;">
  <div style="display: flex;flex-direction: column;flex: 1 1 30%;">
    <div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt919cb99a8b0da802/665ee22fa3c3fe4f1d4d2050/image.png?branch=capricorn" style="max-width: 120px;height: 80;" height="80" /></div>
    <div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Medical inflation rate continues to rise</div>
    <div style="font-size: 14px;font-weight: 450;"><a style="color: rgb(232, 119, 34);" href="https://insights-north-america.aon.com/research/2022-global-medical-trend-rates-report" target="_blank" rel="noopener noreferrer">The medical inflation rate in Malaysia is 12%, 6x higher than the annual general inflation rate,</a> and this figure is expected to increase by 10 - 15% every year.</div>
  </div>
  <div style="display: flex;flex-direction: column;flex: 1 1 30%;">
    <div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blte13e720a14f92dad/6660723c751668779c8b9460/image.png?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;">As reported in the National Health &amp; Morbidity Survey, <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 style="display: flex;flex-direction: column;flex: 1 1 30%;">
    <div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blta6be9225fa466215/6660724d70d09b7755d63e78/image.png?branch=capricorn" style="max-width: 120px;height: 80;" height="80" /></div>
    <div style="font-size: 16px;font-weight: 700;margin-bottom: 4px;">Long way to go to close the protection gap</div>
    <div style="font-size: 14px;font-weight: 450;"><a style="color: rgb(232, 119, 34);" href="https://www.pidm.gov.my/pidm2022/media/assets/pdf/PIDM-BIT-Insurance-Report_website.pdf" target="_blank" rel="noopener noreferrer">40% of Malaysians still have no form of personal health coverage while others lack sufficient coverage,</a> leaving them vulnerable to crippling medical expenses.</div>
  </div>
</div>
<p></p>

<p><span>Having a medical card ensures that you can access the treatment you need from both government and private hospitals. By doing so, you don’t have to worry about bearing the full cost of healthcare, which can potentially eat into your income or savings. This way, you can focus on your recovery.</span></p><p></p><p><span>FWD Medical Care+ is an online medical card that provides comprehensive inpatient and outpatient coverage beyond standard benefits. All you need to do is </span><span><a style="color: rgb(232, 119, 34);" href="https://www.fwd.com.my/blog/health/what-is-a-medical-card-and-why-is-it-important/" target="_blank">flash your online card via the IHP mobile app to get access to our extensive hospital and clinic network and enjoy the convenience of cashless admissions</a></span><span>!</span></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/blt8b938afefe41fcd0/66607b49451725c5bc7a6b9d/image.png?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;">Comprehensive medical coverage</div><div>Complete inpatient and outpatient benefits including cancer, kidney and dengue. To further support your recovery, the plan also provides mental health coverage, home nursing, in-house psychiatric treatment and more.</div></div></div><div style="display: flex;gap: 12px;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt1f61b201815e53ba/66607b68742a0c85747c7789/image.png?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;">Save up to 45% with deductibles</div><div>Choose between RM1,000 or RM2,000 deductible to save on your contribution. <a href="#Deductible" style="font-size: 16px;font-weight: 700;color: rgb(232, 119, 34);" target="_self">Learn more</a></div></div></div><div style="display: flex;gap: 12px;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltf5bb484038362fc9/66607b86b7171b24b32418a7/image.png?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;">Support that goes beyond medical</div><div>To further enhance your coverage, the plan comes with accidental death benefit and compassionate benefit.</div></div></div><div style="display: flex;gap: 12px;"><div><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltb3cc9e2d5364bb25/66607ba3ca40f90e7f64bcff/image.png?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;">Restore your annual limit for added coverage</div><div>With our restoration benefit, you get to restore your annual limit should you run out within the same certificate year. This benefit is only available once. <a href="#Restorationbenefit" style="font-size: 16px;font-weight: 700;color: rgb(232, 119, 34);" target="_self">Learn more</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/blt8b938afefe41fcd0/66607b49451725c5bc7a6b9d/image.png?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Comprehensive medical coverage</div></div><div>Complete inpatient and outpatient benefits including cancer, kidney and dengue. To further support your recovery, the plan also provides mental health coverage, home nursing, in-house psychiatric treatment and more.</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/blt1f61b201815e53ba/66607b68742a0c85747c7789/image.png?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Save up to 45% with deductibles</div></div><div>Choose between RM1,000 or RM2,000 deductible to save on your contribution. <a href="#Deductible" style="font-size: 16px;font-weight: 700;color: rgb(232, 119, 34);" target="_self">Learn more</a></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/bltf5bb484038362fc9/66607b86b7171b24b32418a7/image.png?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Support that goes beyond medical</div></div><div>To further enhance your coverage, the plan comes with accidental death benefit and compassionate benefit.</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/bltb3cc9e2d5364bb25/66607ba3ca40f90e7f64bcff/image.png?branch=capricorn" style="max-width: 96px;height: 96;" height="96"/></div><div style="font-size: 20px;font-weight: 700;">Restore your annual limit for added coverage</div></div><div>With our restoration benefit, you get to restore your annual limit should you run out within the same certificate year. This benefit is only available once. <a href="#Restorationbenefit" style="font-size: 16px;font-weight: 700;color: rgb(232, 119, 34);" target="_self">Learn more</a></div></div></div>

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

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%;">Annual limit</td>
        <td style="padding: 24px 0 24px 24px;">RM50,000 or RM150,000</td>
      </tr>
      <tr style="border-bottom: 1px solid #DBDFE1;">
        <td style="padding: 24px 0;font-weight: 700;color: #E87722;width: 40%;">Hospital room and board (maximum up to 180 days per year)</td>
        <td style="padding: 24px 0 24px 24px;">RM150 or RM250</td>
      </tr>
      <tr style="border-bottom: 1px solid #DBDFE1;">
        <td style="padding: 24px 0;font-weight: 700;color: #E87722;width: 40%;">Lifetime limit</td>
        <td style="padding: 24px 0 24px 24px;">None</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;">Annual limit</div>
      <div>RM50,000 or RM150,000</div>
    </div>
    <div style="height: 1px;background-color: #DBDFE1;"></div>
    <div>
      <div style="margin-bottom: 8px;font-weight: 700;color: #E87722;">Hospital room and board (maximum up to 180 days per year)</div>
      <div>RM150 or RM250</div>
    </div>
    <div style="height: 1px;background-color: #DBDFE1;"></div>
    <div>
      <div style="margin-bottom: 8px;font-weight: 700;color: #E87722;">Lifetime limit</div>
      <div>None</div>
    </div>
    <div style="height: 1px;background-color: #DBDFE1;"></div>
  </div>

Medical Plans Product Comparison

Comparison between the coverage level

What is deductible?

<p><span>A deductible is an upfront amount you pay before your plan covers the rest of your bill. Deductibles are offered in medical plans to help reduce your contribution amount.<br /></span><span>FWD Takaful will cover the eligible expenses in excess of the deductible for each year. Therefore, you only pay the deductible once per certificate year.</span></p>
<p>You can also choose not to have a deductible. In this case, your plan will cover the bill without you having to make any payment beforehand.</p>

<div class="show_mobile" style="margin-bottom: 64px;display: flex;row-gap: 16px;flex-direction: column;align-items: center;"><div><img width="260" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt4717ab78350c2acd/6661c5f92af24ba718e60ba8/image.png?branch=capricorn"/></div><div style="flex-grow: 1;">Please refer certificate for items not applicable for deductible.</div></div>

<div class="show_desktop" style="margin-bottom: 64px;display: flex;column-gap: 80px;"><div><img height="305" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt4717ab78350c2acd/6661c5f92af24ba718e60ba8/image.png?branch=capricorn"/></div><div style="flex-grow: 1;">Please refer certificate for items not applicable for deductible.</div></div>

Restoration benefit

<p style="margin-bottom: 64px;">Restoration benefit lets you restore your annual limit should you have fully utilised the annual limit within the same certificate year.<br />Upon request, you can restore RM50,000 under the Medical Plus plan, and RM150,000 under the Medical Pro plan. This restoration can be done once per lifetime.</p>

Newborn

Newly Wed

Single Adult

See how the plan works for different life stages

<div class="show_mobile" style="margin-bottom: 64px;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;">
    <h2 style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;line-height: 125%;">How do I make a claim?</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</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%;" height="100%" /></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;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;"><h2 style="margin: 0;font-size: 31px;font-style: normal;font-weight: 700;">How do I make a claim?</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</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/medical-reimbursement-claims/" 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>

Making a claim

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;">What is a medical card?</h4><p>In Malaysia, medical insurance and takaful is also commonly known as a medical card. This medical card will help to cover your medical bills, such as hospitalisation, inpatient and outpatient treatments, specialist consultations, medications, companion beds and more. There are many options in the market, offering different annual limit options, coverage types, benefits, and they typically allow cashless admissions in hospitals. Insurers and takaful providers may provide a physical card, stating the policyholder / certificate owner’s name and policy / certificate number, or a digital (online) medical card that can be accessed via an app. A medical card is necessary in your wealth protection portfolio as it allows you to access quality healthcare without having to worry about costly medical bills while you are recovering.</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;">What is covered by a medical card?</h4><p>A medical card typically covers medical-related expenses, which may include hospitalisation and surgery, in-patient and out-patient treatments, room and board, specialist consultations, and medications.</p><p>FWD Medical Care+ provides the following coverage:</p><ol style="list-style-type: lower-alpha;"><li>Inpatient and outpatient medical benefits<br />If the person covered under this certificate is hospitalised or undergoing a surgery due to sickness or accidental injury or requires outpatient treatment for accidents and emergencies, we will provide the eligible benefits listed in the Schedule of Benefits under this certificate.</li><li>Compassionate benefit<br />To further enhance your coverage, the plan pays RM5,000 in a lump sum as compassionate benefit upon receiving the death certificate of the person covered due to all causes.</li><li>Accidental death benefit<br />The plan pays an additional RM25,000 in a lump sum if the person covered dies due to an accident.</li><li>Restoration benefit<br />Upon request, you are allowed to restore your annual limit to the initial amount limit upon the full utilisation of the limit in the same certificate year. This benefit is only applicable once per lifetime/certificate term.</li></ol>Please refer to the Schedule of Benefit for more details.<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;">Who is FWD Medical Care+ suitable for?</h4><p>FWD Medical Care+ is suitable for those who are looking for a comprehensive medical card at great value in the event of hospitalisation or surgery due to sickness or accidental injury. It is for those who do not want to incur out-of-pocket expenses and dig into their hard-earned savings in the case of hospitalisation. There are two plans available that you can choose from: Medical Plus and Medical Pro.</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;">04</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;">Who is eligible for a medical card?</h4><p>The eligibility for a medical card can vary. However generally speaking, medical cards are provided to individuals who meet a certain criteria set by the product, which may take into consideration the applicant’s age, health conditions, citizenship/residency, employment status and income level, among others.</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/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

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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>

<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>