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.
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:
Minimum entry age: 17 Age Next Birthday (ANB)
Maximum entry age: 60 ANB
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.
Under what circumstances do you not pay any benefits?
We won’t pay any benefit under this plan if the claim arises from:
Suicide within a year of the start of your plan or the date we last reinstated your certificate.
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
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.
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:
Amount of coverage
Term of coverage
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.