Health coverage takaful plans
FWD Critical Illness Lite Rider
We recognise the importance of good health and will go to great lengths to look after your wellbeing
The FWD Critical Illness Lite Rider is the financially-smart way to protect loved ones and can be add on your FWD Future First or FWD Invest First plan.
Available to participate via:
- FWD agents
No waiting to get paid
If you’re diagnosed with a critical illness, we’ll pay the total sum you’re covered for – no questions, no hassle.
Be covered wherever you are
This add-on offers global coverage so that you get all the benefits anytime, anywhere.
Covers a wide range of diseases
Over 36 health conditions and illnesses covered under this rider.
Easy claims process
Don’t stress with our simplified and hassle-free claims procedure.
A budget-friendly protection rider
Extensive critical illness coverage for an affordable price, giving you value for money.
See all
How this plan works
A chart that details the claims and benefits you are entitled to throughout the course of your plan, and what happens after maturity
Rider benefit
Learn more about the benefits and how you are protected through this critical illness lite rider
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.
Take up this rider with any of these products
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.
Your rider provides the following protection benefits. These benefits are provided in addition to your certificate benefits, and you need to pay a separate contribution to keep this protection in place.
We will pay you 100% of the sum covered if the person covered:
- Is first diagnosed with a critical illness that is a medical condition; or
- First undergo the medical procedure, if the critical illness is a medical procedure
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.
- Malaysian nationals and permanent residents
- Age requirements to participate;
- Certificate owner: Between 17 to 65 years old
- Person covered: Between 1 months to 65 years old.
You are entitled for an individual tax relief when you participate in this plan, subject to terms and conditions of Inland Revenue Board (LHDN).
You may pay via credit or debit card.
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FWD Takaful Berhad, Registration No. 200601011780 (731530-M)