FWD MEDICAL PLUS RIDER

FWD Takaful Berhad · Medical rider on investment-linked policy · 3 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan A	RM 500,000annual limit	Unlimited	RM 200	—	n/a%	Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance	Yes	Yes	Yes	0–60
Plan B	RM 1,000,000annual limit	Unlimited	RM 300	—	n/a%	Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance	Yes	Yes	Yes	0–60
Plan C	RM 2,000,000annual limit	Unlimited	RM 500	—	n/a%	Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance	Yes	Yes	Yes	0–60

Plan A RM 500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–60

Plan B RM 1,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–60

Plan C RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM5,000 per year; deductible not applied to extended care benefits, treatment at Malaysian government hospitals (incl. daily hospital cash allowance), emergency department red-zone visits, and outpatient treatment; no coinsurance
ICU: Yes
DAY SURG.: Yes
RENEWABLE: Yes
ENTRY AGE: 0–60

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