MEDICAL CARD / FWD Takaful
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 200,000 | 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 300,000 | 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 500,000 | 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 2,000,000 | 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 |
● WAITING PERIODS
- General: —
- Specified (120-day): —
- Pre-existing: —
● SOURCE
- Verified: 24 Aug 2026
- Source: official PDS / product page
- fwd-medical-rider-brochure.txt
Premiums are quote-gated in Malaysia. Get an official quote from FWD Takaful — we never publish invented premiums.