FWD MEDICAL RIDER

FWD Takaful Berhad · Medical rider on investment-linked policy · 4 tiers · verified 24 Aug 2026

Tier	Annual limit	Lifetime	Room & board	Deductible	Co-ins.	Co-pay	ICU	Day surg.	Renewable	Entry age
Plan 1	RM 200,000annual limit	Unlimited	RM 200	—	n/a%	Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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	—	0–65
Plan 2	RM 300,000annual limit	Unlimited	RM 300	—	n/a%	Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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	—	0–65
Plan 3	RM 500,000annual limit	Unlimited	RM 500	—	n/a%	Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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	—	0–65
Plan 4	RM 2,000,000annual limit	Unlimited	RM 2,000	—	n/a%	Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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	—	0–65

Plan 1 RM 200,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 200
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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: —
ENTRY AGE: 0–65

Plan 2 RM 300,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 300
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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: —
ENTRY AGE: 0–65

Plan 3 RM 500,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 500
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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: —
ENTRY AGE: 0–65

Plan 4 RM 2,000,000 annual limit

LIFETIME: Unlimited
ROOM & BOARD: RM 2,000
DEDUCTIBLE: —
CO-INS.: n/a%
CO-PAY: Optional deductible RM0/RM500/RM1,000/RM10,000/RM50,000 per annum (Plan 1-3); Plan 4: RM10,000 or RM50,000; 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: —
ENTRY AGE: 0–65

● WAITING PERIODS

General: not disclosed days
Specified (120-day): not disclosed days
Pre-existing: not disclosed days

● SOURCE

Verified: 24 Aug 2026
Source: official PDS / product page
fwd-medical-rider-brochure.txt

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