Health coverage takaful plans

FWD CI First

Health cover with no complexity - and no constraints

FWD CI First avoids complicated claims and confusing lists of illnesses. It means trusted support when you need it the most — including instant ‘lump sum’ claims payments - so you can focus on getting the treatment you need.

critical illness

cancer cover

diabetes

Available to participate via:

FWD agents

Critical illness benefit

We offer a range of cover, should you have a serious medical condition.

New! Type 2 diabetics* can now get covered too.

*Terms and conditions apply.

Optional cashback

Build-in the optional maturity rewards benefit so that if there are no claims made at all then we’ll pay you a sum of cash at the very end of the coverage term.

Continued cover with nothing to pay

If you make a claim, we’ll waive any future contributions – meaning continued coverage at no cost (this feature applies for all claims where we pay at least 50% of the sum covered).

Diabetes Management Programme

Limited time only! We provide a complimentary 1-year programme to support and care for eligible customers in improving their health and potentially lower the risk of diabetes complications.

Download Terms & conditions and FAQ

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How this plan works

Learn more about this takaful plan

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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.

Does this plan fit me?

If you answer yes to at least two of the scenarios mentioned below, this plan is for you.

Your finances will be severely affected by a prolonged loss of a portion of income.
Your existing medical plan has a limited annual limit and you don’t currently have any critical illness protection.
Your existing medical protection plan does not include extended outpatient treatment.

Who is eligible for this plan?

The entry age to be eligible are:

Person covered:

Minimum entry age: 17 Age Next Birthday (ANB)
Maximum entry age: 60 ANB

Certificate owner:

Minimum entry age: Age 17 ANB
Maximum entry age:
- Age 60 ANB; but
- No maximum entry age limit, if it is a 3rd party certificate i.e., where the certificate owner is not the person covered.

Person covered (for Type 2 diabetics*):

Minimum entry age: 36 Age Next Birthday (ANB)

Maximum entry age: 60 ANB

*Type 2 diabetics refer to individuals with at least two HbA1C test results below 8.0%, taken over the past 6 months.

Applicants must pass all underwriting eligibility criteria (refer to the FAQ No.3 below).

Speak to our agent for more info or drop your contact details above (click the enquire button).

Specific Requirements for Type 2 diabetics

Benefit

Description

Product-specific limitations

Exclusion of coverage for ICU hospitalisation

Exclusion of coverage for failure of 2 out of 6
Maximum sum covered offered is MYR 200,000 per life.

Underwriting requirements

Not currently under treatment with insulin.
Cover is limited to applicants with a duration of diabetes between 6 months and 5 years only.
The maximum certificate term offered shall be 30 years minus the duration of diabetes, rounded up to the nearest year.
Cover is limited to non-smokers only.
Entry age (ANB) is between 36 and 60 only.
Body Mass Index (BMI) below 27.
Total cholesterol below 7mmo/L.
Blood pressure below or equal to 130/80.
No proteinuria in urine sample.
No other rateable medical condition.
No pre-existing diabetic complications.

Under what circumstances do you not pay any benefits?

We won’t pay any benefit under this plan if the claim arises from:

Benefit	Description
	Suicide within a year of the start of your plan or the date we last reinstated your certificate. Unlawful acts Act of war
Critical Illness and Lifestyle Impact Benefits Most Common Critical Illnesses Coverage Major Organs Damage Coverage Major Medical Treatment Coverage Untreatable Critical Illness Conditions Coverage	Unlawful acts Act of war Any conditions or illness or surgery resulting from diseases declared as a Public Health Emergency of International Concern (PHEIC) according to the World Health Organisation or diseases which require quarantine by law Any conditions directly or indirectly related to congenital abnormalities or deformities including hereditary conditions.
Specific benefit exclusions	There are specific exclusions related to alcohol and drugs, attempted suicide, pregnancy, hazardous pursuits and HIV/AIDS that applied at certain benefits and included in relevant critical illness or covered definitions.

How much do I contribute?

Your contribution depends on the following criteria regarding the family members covered under the certificate:

Age
Health status
Smoker status
Gender
Amount of coverage
Term of coverage
Occupation
Payment frequency

Based on these personal information, we’ll be able to provide you with a quotation.

Find out more

Can’t decide which product is right for you? Want to get more information? Select one of the options below.

Call 1300 13 7988

You can call us Mon – Fri, 9am – 6pm (excluding weekends and public holidays).

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