MEDICAL CARD / FWD Takaful
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 50,000 | 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 150,000 | 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 |
● WAITING PERIODS
- General: 30 days
- Specified (120-day): 120 days
- Pre-existing: n/a
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- fwd-medical-care-pds.txt; fwd-medical-care-brochure.txt; fwd-medical-care-faq.txt
Premiums are quote-gated in Malaysia. Get an official quote from FWD Takaful — we never publish invented premiums.