FWD MEDICAL CARE+

FWD Takaful Berhad · Standalone medical card · 2 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Medical Plus	RM 50,000annual limit	Unlimited	RM 150	—	n/a%	Optional deductible RM0/RM1,000/RM2,000 per year; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance	Yes	Yes	Yes	0–60
Medical Pro	RM 150,000annual limit	Unlimited	RM 250	—	n/a%	Optional deductible RM0/RM1,000/RM2,000 per year; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance	Yes	Yes	Yes	0–60

Medical Plus RM 50,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 150
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM1,000/RM2,000 per year; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–60

Medical Pro RM 150,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 250
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM1,000/RM2,000 per year; deductible waived for major accidents (ICU admission, coma of at least 3 days, medically necessary surgery), major claims (cancer, heart attack, stroke, coronary artery bypass surgery, kidney failure), emergency department red-zone visits, and Malaysian government hospital treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–60

● WAITING PERIODS

Verified: 24 Aug 2026
Source: official PDS / product page
fwd-medical-care-pds.txt; fwd-medical-care-brochure.txt; fwd-medical-care-faq.txt

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