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Flexible life insurance coverage from only RM3.90/month.

i-FlexCover

Life Insurance

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i-FlexCover | Life Insurance | FWD Insurance

Product highlights

What are the benefits?

<table style="text-align: justify;margin: -40px;padding: 40px 0px 32px 0px;width:100%">
    <colgroup data-width='933.0000000000001'>
      <col style="width:16.1844%" />
      <col style="width:83.8156%" />
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    <tbody style="text-align: justify;">
      <tr style="text-align: justify;">
        <td style="text-align: right;">
          <figure style="text-align: right">
            <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt705f01703600a37c" alt="hands with shield.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt705f01703600a37c/6690c37ed6c32d4d1eec640a/hands_with_shield.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
          </figure>
        </td>
        <td style="text-align: justify;">
          <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Death Benefit</span><br /><span style="text-align: left;">In the event of death, our online life insurance plan pays a lump sum to your loved ones.</span></p>
        </td>
      </tr>
      <tr style="text-align: left;">
        <td style="text-align: right;">
          <figure style="text-align: right">
            <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blte56bb6f31021eb9e" alt="wheelchair.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blte56bb6f31021eb9e/6690c37eaf35e9a80c3a6423/wheelchair.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
          </figure>
        </td>
        <td style="text-align: left;">
          <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Total &amp; Permanent Disability Benefit</span><br /><span style="text-align: left;">In the event of total and permanent disability, a lump sum will be payable to reduce your financial burden.</span></p>
        </td>
      </tr>
      <tr style="text-align: left;">
        <td style="text-align: right;">
          <figure style="text-align: right">
            <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="bltd93bd204e56c8ed5" alt="accident signage.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltd93bd204e56c8ed5/6690c37eaf35e980bf3a641f/accident_signage.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
          </figure>
        </td>
        <td style="text-align: left;">
          <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Accidental Death Benefit</span><br /><span style="text-align: left;">Should accidental death occur in Malaysia, our online life insurance will pay your loved ones a lump sum of 200% coverage to help them.</span></p>
        </td>
      </tr>
    </tbody>
  </table>
  <details class="more-benefits-details">
    <summary class="more-benefits-details-summary"><svg width="16" height="16" viewBox="0 0 16 16" fill="none" xmlns="http://www.w3.org/2000/svg">
        <path fill-rule="evenodd" clip-rule="evenodd" d="M9 7V1.5C9 0.6715 8.3285 0 7.5 0H7V7H1.5C0.6715 7 0 7.6715 0 8.5V9H7V14.5C7 15.3285 7.6715 16 8.5 16H9V9H14.5C15.3285 9 16 8.3285 16 7.5V7H9Z" fill="#B74701"></path>
      </svg>See more</summary>
    <table style="text-align: justify;margin: -40px;padding: 0px 0px 32px 0px;width:100%">
      <colgroup data-width='933.0000000000001'>
        <col style="width:16.1844%" />
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      </colgroup>
      <tbody style="text-align: justify;">
        <tr style="text-align: left;">
          <td style="text-align: right;">
            <figure style="text-align: right">
              <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="bltea55153e356f8206" alt="injured person.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltea55153e356f8206/66d1773f1c44430fb6130e84/injured_person.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
            </figure>
          </td>
          <td style="text-align: left;">
            <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Accidental Total and Permanent Disability Benefit</span><br /><span style="text-align: left;">In the event of accidental total and permanent disability, a lump sum of 200% coverage will be payable to reduce your financial burden.</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;">
            <figure style="text-align: right">
              <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="bltf8688d085be7cf18" alt="Car.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltf8688d085be7cf18/66d17a758950de7f5dc382d1/Car.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
            </figure>
          </td>
          <td style="text-align: left;">
            <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Accidental Death Benefit due to Public Conveyance</span><br /><span style="text-align: left;">300% coverage will be payable in the event of accidental death due to Public Conveyance (eg. train, bus, e-hailing transports).</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;">
            <figure style="text-align: right">
              <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt929abd61b2db92a2" alt="earth.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt929abd61b2db92a2/66d17a7525a907d84e519690/earth.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
            </figure>
          </td>
          <td style="text-align: left;">
            <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Accidental Death Benefit outside Malaysia</span><br /><span style="text-align: left;">300% coverage will be payable in the event of accidental death occurring outside Malaysia.</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;">
            <figure style="text-align: right">
              <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt6ca2046b9fa8e74c" alt="hospital.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt6ca2046b9fa8e74c/66d17a7560864529d478bce4/hospital.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
            </figure>
          </td>
          <td style="text-align: left;">
            <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Accidental Hospital Income Benefit</span><br /><span style="text-align: left;">Receive a fixed daily income to reduce your financial burden while hospitalised due to accident.</span></p>
          </td>
        </tr>
        <tr style="text-align: left;">
          <td style="text-align: right;">
            <figure style="text-align: right">
              <div data-img-caption-container="true" style="display: inline-block; text-align: center;"><img asset_uid="blt9e8e9e401458ef4c" alt="medical report.png" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt9e8e9e401458ef4c/66d17a75a17eefde44a31e2f/medical_report.png?branch=capricorn" height="auto" style="text-align: right;" /></div>
            </figure>
          </td>
          <td style="text-align: left;">
            <p><span style="text-align: left;font-weight: 700;font-size: 20px;">Flexible option to choose your coverage</span><br /><span style="text-align: left;">You can upgrade or downgrade your coverage according to your needs.</span></p>
          </td>
        </tr>
      </tbody>
    </table>
  </details>

e-Brochure (ENG)

e-Brochure (BM)

e-Brochure (CHI)

Product Disclosure Sheet

Policy Contract

The Important Numbers

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      <div style="display: inline-flex; align-items: center; line-height: 28px">
        16 to 55 years old
      </div>
</div>



Eligibility

<div>
      <div style="display: inline-flex; align-items: center; line-height: 28px">
        up to 61 years old
      </div>
</div>


Coverage Term

Get free advice from our experts

Downloads

<div class="benefit-summary-download">
  <div class="benefit-summary-download-content" style="border: none;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltc5399d3cb12bacd8/DOWNLOAD-ICON.svg?branch=capricorn" style="margin-right: 4px;margin-top: 1px;" />
    <p><a href="https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt35796d698beb9e11/66c6f5ed5c9bfec0870f2837/[ENG]_i-FlexCover_Brochure_12_Apr_2024.pdf?branch=capricorn" target="_blank">e-Brochure (ENG)</a></p>
  </div>
  <div class="benefit-summary-divider"></div>
  <div class="benefit-summary-download-content" style="border: none;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltc5399d3cb12bacd8/DOWNLOAD-ICON.svg?branch=capricorn" style="margin-right: 4px;margin-top: 1px;" />
    <p><a href="https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltc059ab792fb1fc99/66c6f5f2ab1b6995143cc124/[BM]_i-FlexCover_Brochure_12_Apr_2024.pdf?branch=capricorn" target="_blank">e-Brochure (BM)</a></p>
  </div>
  <div class="benefit-summary-divider"></div>
  <div class="benefit-summary-download-content" style="border: none;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltc5399d3cb12bacd8/DOWNLOAD-ICON.svg?branch=capricorn" style="margin-right: 4px;margin-top: 1px;" />
    <p><a href="https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt93c80c37276a1d32/66c6f5cc83db671ca0aeee76/[CHI]_i-FlexCover_Brochure_17_Apr_2024.pdf?branch=capricorn" target="_blank">e-Brochure (CHI)</a></p>
  </div>
  <div class="benefit-summary-divider"></div>
  <div class="benefit-summary-download-content" style="border: none;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltc5399d3cb12bacd8/DOWNLOAD-ICON.svg?branch=capricorn" style="margin-right: 4px;margin-top: 1px;" />
    <p><a href="https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltee0f99b1adb94557/66cd576abfc53e1f36a5fa83/i-FlexCover_PDS_(ENG)_v4-PIDM_&_remove_fka_clean.pdf?branch=capricorn" target="_blank">Product Disclosure Sheet</a></p>
  </div>
  <div class="benefit-summary-divider"></div>
  <div class="benefit-summary-download-content" style="border: none;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltc5399d3cb12bacd8/DOWNLOAD-ICON.svg?branch=capricorn" style="margin-right: 4px;margin-top: 1px;" />
    <p><a href="https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt4e0e067223e7a3c0/66d832dd96357f60fefd2ad4/i-FlexCover_Annexure_(ENG)_v1.pdf?branch=capricorn" target="_blank">Policy Contract</a></p>
  </div>
</div>

Frequently asked questions

<div style="background-color: #F8F9F9;border-radius: 16px;padding: 16px 32px;margin-bottom: 24px;"><span style="font-size: 39px;font-weight: 700;line-height: 48px;color: #E87722;">01</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;margin-top: 4px;">What is i-FlexCover</h4><p>i-FlexCover is a term life insurance plan that offers the flexibility to decrease or increase your sum assured as and when your needs change.</p></div>

<div style="background-color: #F8F9F9;border-radius: 16px;padding: 16px 32px;margin-bottom: 24px;"><span style="font-size: 39px;font-weight: 700;line-height: 48px;color: #E87722;">02</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;margin-top: 4px;">Am I eligible?</h4><p>If you are a Malaysian between 16 years old and 55 years old, you are eligible to sign up for this plan.</p></div>

<div style="background-color: #F8F9F9;border-radius: 16px;padding: 16px 32px;margin-bottom: 24px;"><span style="font-size: 39px;font-weight: 700;line-height: 48px;color: #E87722;">03</span><h4 style="font-size: 20px;font-weight: 700;line-height: 25px;margin-bottom: 16px;margin-top: 4px;">How much does it cost?</h4><p>Depending on the selected sum assured, premiums can be as low as RM3.90 per month.</p></div>

Recommended products

<div style="display: flex;align-items: center;gap: 4px;"><img src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0cf5d9fe50dd418f/65c1fc31b3cfc08374e5e457/Calculator.svg?branch=capricorn" alt="Calculator.svg" height="auto"/> <a style="font-weight: 700;color: #E87722;font-size: 16px;" href="https://www.mycoverage.my/en/calculator/term_coverage/" target="_blank">Check how much coverage you need</a><p></p></div>

Chat with us

You can call us Mon - Fri, 8:30am-5:30pm
(except Public Holidays)

Call us on 1 300 22 6262

Send an email at **ask&#64;fwd.com** and we will get back to you shortly.

Email us

Contact us

Get in touch with us

<div class="show_desktop"><table><tbody><tr><td><img width="214" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 214;height: auto;" height="auto"/> </td><td style="padding-left: 24px;"> <span style="font-size: 16px;line-height: 24px;">The benefit(s) payable under eligible policy is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM's <a target="_blank" href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" style="text-decoration: underline;color: #e87722;">TIPS Brochure</a> or visit <a target="_blank" href="https://www.pidm.gov.my/en" style="text-decoration: underline;color: #e87722;">www.pidm.gov.my</a> or <a target="_blank" href="https://www.fwd.com.my/support/contact-us/" style="text-decoration: underline;color: #e87722;">contact FWD Insurance Berhad</a> . </span></td></tr></tbody></table></div>

<div class="show_mobile">
  <div style="display: flex;justify-content: center;flex-direction: column;align-items: center;"><img width="274" src="https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt0200342e8797fbc8/6523b8327bedef5db694e0bd/member-certificate.jpg?branch=capricorn" style="width: 274;height: auto;" height="auto" /></div>
  <p style="font-size: 16px;line-height: 24px;">The benefit(s) payable under eligible policy is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM's <a target="_blank" href="https://www.fwd.com.my/direct/PIDM_Broucher.2ybUb.pdf" style="text-decoration: underline;color: #e87722;">TIPS Brochure</a> or visit <a target="_blank" href="https://www.pidm.gov.my/en" style="text-decoration: underline;color: #e87722;">www.pidm.gov.my</a> or <a target="_blank" href="https://www.fwd.com.my/support/contact-us/" style="text-decoration: underline;color: #e87722;">contact FWD Insurance Berhad</a> .</p>
</div>

Certificate_PIDM_FIB

Application complete

Back

Tell us more about yourself and the person covered.

Tell us more about yourself.

About

Your information

Information of person covered

Basic information

Let's start with your details.

About you

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/bltad0d4cc33d20d724/66fcd801394fa733ba5ce1a4/FWD_Big3_CI_Certificate_ENG_d1b_140824_(1).pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'>        <img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt659613fa2b0b29b7/66bb8ab72f80d2aec3f33091/PDS_Big3_Critical_Illness_ENG_v3.2_20240718_UIUX.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Let us get to know you better

Assessment

<ol style='display: flex; flex-direction: column; gap: 20px; font-size: 14px;'><li>Have you ever had, or been told that you have, or are you currently under investigation for diabetes, high blood pressure, cardiovascular disease, cerebral vascular disease, nervous system disorder, urogenital disorder, AIDS or infection with HIV, cancer, carcinoma in situ, pre-malignant changes, tumour, lump or polyp?<br><span style='color: #636566; font-size: 12px;'>For tumour, lump or polyp which have been removed without recurrence and confirmed as benign, please select ‘No’.</span></li><li>In the past 2 years, have you had abnormal results or results outside the normal range in a pap smear, mammogram, breast ultrasound, prostate examination or tumour marker blood test?</li><li>In the past 3 months, have you experienced unexplained weight loss of 5 kg or more; blood in urine, persistent coughing, bleeding from the bowels or in stools, diarrhoea or constipation for 30 days or more?</li></ol>

Choose payment method

Based on the information you have provided, we recalculated your contribution. Please make sure you can afford the new contribution.

You must be a parent, spouse, or legal guardian of the dependant and will need to provide proof of relationship.

The person covered is currently on an active plan with us. The sum covered has been adjusted according to the maximum coverage limit allowed under this plan. Please make sure you can afford the new contribution.

Participate as a family, protect yourself, spouse and up to two kids.

The certificate term for spouse and child(s) is calculated subject to maximum expiry age and certificate owner’s certificate term.

<p><b>I hereby irrevocably and unconditionally:</b></p>

<p>Confirm that I am the payor and I authorise FWD Insurance Berhad to debit this credit/debit/bank account/e-Wallet for my payment of premium for this application, including subsequent payment premiums upon issuance of this insurance policy and</p>

<p>Confirm that I have read, understood and fully agree to all the <a  href="#" data-content-type="shared_content_container" data-content-id="bltef1e1917b2a968f3" data-display-type="modal" data-display-properties="{&quot;displayProperties&quot;:[{&quot;media&quot;:{&quot;min-width&quot;:&quot;320px&quot;},&quot;width&quot;:&quot;100%&quot;,&quot;max-width&quot;:&quot;502px&quot;,&quot;height&quot;:&quot;100%&quot;,&quot;max-height&quot;:&quot;100%&quot;}]}" style="color:#e87722;text-decoration: none;"><b>Terms and Conditions</b></a> for e-payment transactions.</p>

<p>Understand that FWD Insurance Berhad shall take steps to comply with laws, regulations and requests of relevant authorities in the areas of sanctions, anti-money laundering and counter-terrorism financing, inclusive but not exhaustive of the sanctions adopted by the, but not limited to, United Nations Security Council (“UNSC”) and Ministry of Home Affairs (“MOHA”).  These steps could include ending your proposal, freeze, as well as treating premiums paid and amounts payable under your policy, in any manner we deem appropriate.</p>

Submission

Deductible amount

Complete purchase in a few simple steps

Based on the person covered’s health details and their eligibility to apply for the product, the sum covered has changed. We’ve recalculated your contribution. Please make sure you can afford the new contribution.

Person covered's sum covered exceeds the conditions set by FWD.

Please enter your child’s details. All fields are mandatory unless otherwise stated.

All fields are mandatory unless otherwise stated.

Please enter your spouse’s details. All fields are mandatory unless otherwise stated.

Financial analysis

Before we start

Your analysis result

Front

Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old {{gender}}.<br/><br/>

Here is a sample breakdown for the coming years of {{planName}} if you are a {{age}}-year-old.<br/><br/>

<p><ul style="margin-block-start: 0px; margin-block-end: 0px; padding-inline-start: 18px;"><li>Cancer</li><li>Stroke</li><li>Heart attack</li></ul></p>

<p><ul style="margin-block-start: 0px; margin-block-end: 0px; padding-inline-start: 18px;"><li>Cancer</li><li>Stroke</li><li>Heart attack</li><li>Coronary artery by-pass surgery</li><li>Kidney failure</li></ul></p>

Tell us more about you.

Your policy contract will be sent to you via email and WhatsApp within the next 24 hours. If you do not receive your policy, please <a href='https://www.fwd.com.my/support/contact-us' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b>contact us.</b></a>

Let’s start with your details

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='/ec/assets/v3/assets/bltca8cd6b067df6d1c/blt833acd4fa4ddb0b2/Certificate_FWD_Big3_ENG.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'>        <img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='/ec/assets/v3/assets/bltca8cd6b067df6d1c/blt7542ed214cf79917/PDS_Big3_Critical_Illness_ENG.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Thank you for your enquiry

Thank you for your interest in our product

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Mailing address

Tell us more about your child.

About your child

<div style='margin-bottom: 16px;'>Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.</div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'>      <a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blte25f861e10234eca/66bb812d88b74e7642b10f51/[24-159_3_8]_FWD_MedicalCare_ENG_d4_090824.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View certificate</div></a></div><div style='display: flex;flex-direction: column;font-weight: bold;padding: 4px;'><a href='https://assets.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blta53497cf48bf7201/6740455b8e3d03a8fd1c3b6c/PDS_FWD_Medical_Care_ENG_v1.2_20241118_Clean_UIUX.pdf?branch=capricorn' style='display: flex;align-items: center;gap: 4px;text-decoration: none;color: #E87722;'><img src='https://images.contentstack.io/v3/assets/bltca8cd6b067df6d1c/blt245c2f36fb15c3cf/666869a82424704611ac56f5/image.png?branch=capricorn' style='height: 24px;'><div>View product disclosure sheet</div></a></div>
  </div>

Based on the information you've provided, we've recalculated your contribution. Please make sure you can afford the new contribution.

Contribution is updated

Just a few quick health questions.

Your height and weight

Your child's height and weight

Your health condition

Your child's health condition

Your occupation

Your child's occupation

Based on the information you have provided, we recalculated your contribution and sum covered amount. Please make sure you can afford the new contribution.

Your ID (NRIC) card - back

Your ID (NRIC) card - front

You’re currently on an active plan and your current selection exceeds the RM 200,000 limit per person covered. The sum covered has been adjusted according to the maximum coverage limit allowed under this plan. Please make sure you can afford the new contribution.

Name

Nomination(s)

Assign nominee (optional)

Nomination

Add Nomination and Witness

A nominee is a person who will receive the proceeds from your policy upon death.

You may assign nominee now or after the completion of the purchase process via customer portal.

Because the information you provided does not match the conditions for our consideration, therefore we are unable to proceed with the application. We recalculated your contribution and insurer list.

Verification code

Unable to resume your application

OTP verification fail

OTP Verification

Last step! Payment details

Your plan

Let’s start with your details.

Before we start, please confirm...

<div>I consent to the disclosure of my personal details and person covered details for application of this Takaful certificate and its related services. I confirmed that I have read and understood the Personal Data Protection Notice as made available at <a target='blank' href='https://www.fwd.com.my'>www.fwd.com.my</a>. I am aware that this consent can be withdrawn at any time by giving a written notice to FWD Takaful.</div>

<p style="font-size: 12px; margin-block-start: 0px;">The benefit(s) payable under eligible certificate/policy/product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure.<br/><a href="https://www.fwd.com.my/support/contact-us/" target="_blank" style="margin-right:8px;">Contact Us</a><span style="border-left: 1px solid #636566; height: 16px;"></span><a href="https://www.pidm.gov.my/my" target="_blank" style="margin-left:8px;">PIDM</a></p>

According to your covered persons' health details and their eligibility to apply the product, the contribution has been changed. <br/>We recalculated your contribution. Please make sure you can afford the new contribution.

The person(s) covered does not pass health screening.

Plan is updated

Let’s create a takaful pre-existing illnesses other than pre-existing learning or physical disability (where applicable) that we have specifically accepted to be covered under the certificate;
ul plan together

Confirmation

Your policy contract will be sent to you via email and WhatsApp within the next 24 hours. If you do not receive your policy, please <a href='https://www.fwd.com.my/support/contact-us' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b>contact us</b></a>.

Your hospitalisation costs as well as surgical, anaesthetist’s and physician’s fees covered.

Covers unexpected costs like ambulance fees which can go up to RM200 per trip.

Covers your medical and treatment expenses up to 30 days post hospitalisation.

Plan updated

You will be redirected to an external payment portal, please choose a bank to proceed.

Are you sure to remove your nominee {{fullName}}?

Residential address

Based on the information you provided, we have revised your premium. Please make sure you can afford the premium

Save for later

Selected plan

Future payment will now be charged into the account you specified. If you wish to update your payment details, please login to <a href='https://www.fwd.com.my/en/customer-portal/login' target='_blank' rel='noopener noreferrer' style='color:#e87722;'><b><u>Customer Portal</u></b></a>.

Recurring payment is all set

Set up recurring payment

Thank you for purchasing our product. Please spare a few minutes to leave a comment about our platform.

Leave us your feedback

Please keep an eye out for your certificate which will be sent to your email within the next 24 hours. If you fail to receive the certificate within the next 24 hours, please contact us via our hotline number.

<p><strong>Person covered</strong></p>

<p><strong>Your certificate summary</strong></p>

Application information

Applicant basic information

Latar belakang

Your Information

Let’s check one last time.

By clicking “Proceed submission,” you confirm that you are the certificate owner and all the information provided about yourself are accurate.

By clicking “Proceed submission,” you confirm that you are the certificate owner and all the information provided for the person covered and yourself are accurate.

Upload document(s)

Upload document

<div style="text-align: center;">If you need any help, feel free to <a target="_blank" href="https://www.fwd.com.my/support/contact-us/">contact us</a>.</div>

<p>To make a claim, please refer to the <a href="https://www.fwd.com.my/claims/#takaful" target="_blank" rel="noopener noreferrer" style="color:#e87722;">claims guide</a>. If you wish to access all other product documentation, click <a href="https://uat-www.fwd.com.my/medical/specialmed" target="_blank" rel="noopener noreferrer" style="color:#e87722;">here</a>. For any other enquiries, our customer service can be reached at <a href="tel:/1300137988" target="_blank" rel="noopener noreferrer" style="color:#e87722;">1300 13 7988</a> or email <a href="mailto:contact.my@fwd.com" target="_blank" rel="noopener noreferrer" style="color:#e87722;">contact.my@fwd.com</a>.</p>

Witness

Unable to proceed with some of the application(s)

We’re unable to accept your application online as the information provided does not match the conditions required by FWD.

<p>Sorry, we are unable to process <strong>{{fullName}}</strong> as your nominee. You can choose to skip this step for now or nominate another person.</p>

Please upload required document(s).

Upload

Please confirm...

Let's get to know you better.

Assessment questions

Cancer

Notes for applicant

Occupation group

Please answer the below underwriting questions for your child. All fields are mandatory unless otherwise stated.

Your general information

{{fullName}}'s general information

{{fullName}}'s health condition

{{fullName}}'s occupation

Please answer the below underwriting questions for spouse. All fields are mandatory unless otherwise stated.

Please make sure the information below matches the witness’s NRIC.

Your witness

Choose a witness

Add witness

<p>It is mandatory for a witness who is not the policyholder and/or nominee(s) to provide a Witness Signature.<br /></p><p>Witness must be at least 18 years old, be a person of sound mind, and not named as policy holder and/or nominee(s)</p>

Product highlights

The Important Numbers

FAQ

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