Health coverage takaful plans
FWD Big 3
Big protection for the most common illnesses
With FWD Big 3, you’re protected for the three most common illnesses that make up 85% of critical illness claims: cancer, heart attack, and stroke.
Available to participate via:
- Online
Generous cover
Get up to RM250,000 in the event that you’re diagnosed with cancer, heart attack or stroke.
Built-in cover for a loss of life
We’ve also added up to RM20,000, paid out in addition to the main cover, should you lose your life because of any illness.
Minimal exclusions
This takaful plan has only three exclusions – one of the fewest ever for any critical illness takaful plan in Malaysia.
Get a free teleconsultations
Get four months free teleconsultations with qualified doctors - from the comfort of your own home.
Add on extra cover
Enhance your plan to receive a one-off extra payout should you suffer from one of 24 conditions that affect your brain or heart function.
Contributions from RM10.27/month
We offer an easy application process and low monthly commitment, making this an affordable and easy plan.
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Helpful note
Reach out to our financial advisors to get copies of the Product Disclosure Sheet (PDS), Benefit Illustration and the Certificate of the plan. FWD Takaful Berhad, Registration No. 200601011780 (731530-M) is a registered takaful operator under the Islamic Financial Services Act 2013, regulated by Bank Negara Malaysia.
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Frequently asked questions
Want to know more about our products? Here's a few of our most commonly asked questions, and the answers that may help.
A pure protection plan which provides coverage against diagnosis of either cancer, stroke or heart attack and a death benefit due to any causes of RM20,000.
Yes. The product is approved by our Shariah committee. We adopt the following shariah principles:
- Tabarru’: A donation for the purpose of takaful where participants agree to assist each other financially.
- Wakalah: The contract where the participant appoints the Takaful Operator to manage the participants’ risk fund and agrees to pay the Takaful Operator on a pre-agreed basis for the services provided.
- Ju'alah: It’s the reward to the Takaful Operator for the good performance of the participants’ risk fund it’ll be managing. The Takaful Operator will be rewarded with a 50% share of the surplus from the participants’ risk fund and the remaining 50% will be distributed to participants.
- Qard: An interest-free loan that we grant to the participants’ risk fund if it’s in deficit. The loan is repayable from the future surplus arising in the participants’ risk fund.
The age requirement of this plan are as follows:
- Minimum age: 17 years old
- Maximum age: 65 years old
- Maximum age covered: 75 years old
You’ll be covered from the commencement date stated in your takaful plan schedule.
No. This plan does not have a cash value.
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FWD Takaful Berhad, Registration No. 200601011780 (731530-M)