Frequently Asked Questions (FAQ) FWD Medical Rider and FWD Medical Executive Rider

Part A – General Questions About The Rider & How To Get Started

1. What is FWD Medical Rider?

FWD Medical Rider is a regular contribution paying rider that provides Takaful protection for medical
coverage.

FWD Medical Rider maybe attachable to either FWD Invest First or FWD Future First.

2. What are the benefits provided and what is payable under this rider?
FWD Medical Rider provides medical coverage to the person(s) covered up to a maximum expiry age of
80 or expiry of base plan, whichever comes first.

Please refer to the benefits below:

FWD Medical Rider Benefits (Hospitalisation Benefit, Outpatient Benefit & Other Benefits)

Hospitalisation Benefit

▪ Hospital Room & Board (maximum up to 365 days per year)

▪ Intensive Care Unit (maximum up to 90 days per year)
▪ Hospital Supplies & Services
▪ Surgical Fees (pre-surgery care up to 30 days and post-surgery care up to 30 days from surgery
date)
▪ Operating Theatre Fees
▪ Anaesthetist’s Fees
▪ Ambulance Fees
▪ In-Hospital Physician Visit (maximum up to 150 days per year, maximum 2 visits per day)

Outpatient Benefit

▪ Pre-Hospitalisation Diagnostic Tests (within 60 days before hospitalisation)

▪ Pre-Hospitalisation Specialist Consultation (within 60 days before hospitalisation)
▪ Post-Hospitalisation Treatment (within 90 days after hospitalisation)
▪ Day Surgery/Day Care Procedure
▪ Outpatient Cancer Treatment
▪ Outpatient Kidney Dialysis Treatment
▪ Outpatient Dengue Treatment
▪ Outpatient Physiotherapy Treatment (within 90 days after hospitalisation)
▪ Emergency Accidental Outpatient/Dental Treatment (within 24 hours and follow-up treatment
up to 30 days)

Other Benefits

▪ Organ Transplant (once per lifetime)

▪ Second Medical Opinion (limit per year)
▪ Daily Cash Allowance at Malaysia Government Hospital (maximum up to 150 days per year)
▪ Daily Cash Allowance at Malaysia Private Hospital (maximum up to 150 days year)
▪ Home Nursing Care (maximum up to 180 days per lifetime)
▪ Intraocular Lens
▪ Medical Report Fees

FWD Medical Executive Rider Benefits

▪ Additional Annual Limit due to Cancer, Heart Attack or Kidney Failure

▪ Maternity Complications
▪ In-Hospital Psychiatric Treatment (up to 30 days per year and 180 days per lifetime)

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 ▪ Hospital Companion’s Bed (1 bed for 1 person who accompanies, maximum up to 60 days per
year)
▪ Alternative Medical Practitioner

3. Is the product Shariah-compliant?

Yes. The product is approved by our Shariah committee. We adopt the following shariah principles:
▪ Tabarru’: A donation for the purpose of takaful where participants agree to assist each other
financially.
▪ Wakalah: The contract where the participant appoints the Takaful Operator to manage the
participants’ risk fund and agrees to pay the Takaful Operator on a pre-agreed basis for the
services provided.
▪ Ju'alah: It is the reward to the Takaful Operator for the good performance of the participants’
risk fund it will be managing. The Takaful Operator will be rewarded with a 50% share of the
surplus from the participants’ risk fund and the remaining 50% will be distributed to
participants.
▪ Qard: An interest-free loan that we grant to the participants’ risk fund if it is in deficit. The loan
is repayable from the future surplus arising in the participants’ risk fund.

4. Who is this rider suitable for?

This rider is suitable for those who are looking for medical protection and comprehensive cover in the
event of hospitalisation or surgery due to sickness or accidental injury. We will provide eligible
benefits listed in the Schedule of Benefits under this rider.

5. What plan option is available for me?

There are 4 plans available: Plan 1/Plan 2/Plan 3/Plan 4.
All plans are now available for individual/couple/family plan. The limit stated in the Schedule of Benefits
is per person covered.

Please refer to the below table:

FWD Medical Rider Benefits

Plan Plan 1 Plan 2 Plan 3 Plan 4

Deductible (RM) 0/1,000/10,000/50,000

Initial Annual Limit (RM) 200,000 300,000 500,000 -

Lifetime Limit (RM) - - - -

Hospitalisation Benefit
Hospital Room & Board
(maximum up to 365 days per year) 200 300 500 As charged
(RM)
Intensive Care Unit
As charged
(maximum up to 90 days per year)
Hospital Supplies & Services As charged
Surgical Fees
(pre-surgery care up to 30 days and
As charged
post-surgery care up to 30 days from
surgery date)
Operating Theatre Fees As charged
Anaesthetist’s Fees As charged
Ambulance Fees As charged
In-Hospital Physician Visit As charged

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 (maximum up to 150 days per year,
maximum 2 visits per day)
Outpatient Benefit
Pre-Hospitalisation Diagnostic Tests
As charged
(within 60 days before hospitalisation)
Pre-Hospitalisation Specialist
Consultation As charged
(within 60 days before hospitalisation)
Post-Hospitalisation Treatment (within
As charged
90 days after hospitalisation)
Day Surgery/Day Care Procedure As charged
Outpatient Cancer Treatment As charged
Outpatient Kidney Dialysis Treatment As charged
Outpatient Dengue Treatment As charged
Outpatient Physiotherapy Treatment
As charged
(within 90 days after hospitalisation)
Emergency Accidental
Outpatient/Dental Treatment (within 24
As charged
hours and follow-up treatment up to 30
days)
Other Benefits
Organ Transplant
As charged
(once per lifetime)
Second Medical Opinion
1,000
(limit per year) (RM)
Daily Cash Allowance at Government
Hospital
200
(maximum up to 150 days per year)
(RM)
Daily Cash Allowance at Private Hospital
50
(maximum up to 150 days year) (RM)
Home Nursing Care
As charged
(maximum up to 180 days per lifetime)
Intraocular Lens (RM) Up to 3,000 per eye, 6,000 per lifetime
Medical Report Fees (RM) 100 per disability

FWD Medical Executive Rider Benefits

Plan Plan 1 Plan 2 Plan 3 Plan 4

Deductible (RM) 0/1,000/10,000/50,000

Revised Initial Annual Limit (RM) 2,000,000 3,000,000 5,000,000 -

Lifetime Limit (RM) - - - -

Extended Benefits
Additional Annual Limit due to Cancer,
2,000,000 3,000,000 5,000,000 -
Heart Attack or Kidney Failure
Maternity Complications
4,000 6,000 8,000 10,000
(limit per year) (RM)
In-Hospital Psychiatric Treatment As charged

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 (up to 30 days per year and 180 days per
lifetime)
Hospital Companion’s Bed (1 bed for 1
person who accompanies, maximum up As charged
to 60 days per year)
Alternative Medical Practitioner
1,000
(limit per year) (RM)

6. What is the coverage term of this rider?

The rider coverage term will be equal to the coverage term of the base certificate and subject to a
minimum of 5 years or up to the maximum expiry age for the rider.

7. Who is eligible to participate in this rider?

Age eligibility:

Person Covered Minimum entry age Maximum entry age

For Single Plan:
- Main person covered - 1 month old - 65 years old age next birthday
(subject to base plan’s maximum
entry age)
For couple/family plan:
- Main person covered - 1 month old - 65 years old age next birthday
- Parents/Spouse - 17 years old age (subject to base plan’s maximum
- Children next birthday entry age)
- 1 month old - 60 years old age next birthday
- 20 years old age next birthday
Note: Main person covered under the rider certificate is the same person as person covered under the
base certificate.

8. Can I participate in more than one plan?

Yes, you can.

9. When will my coverage begin?

You’ll be covered from the commencement date stated in your Medical rider Takaful schedule.

10. How much do I have to contribute for the rider?

The contribution amount depends on the below factors:

▪ Age at start of certificate.

▪ Gender of person covered.
▪ Plan selected.
▪ Smoker status.
▪ Lifestyle
▪ Health status, and
▪ Medical history

Part B – Questions About Benefits Under This Rider

1. Is there any cash value under this rider?

No, there is no cash value under this rider.

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 2. Is there any maturity benefit under this rider?
No, there is no maturity benefit under this rider.

3. Under what circumstances will my rider cover end?

Your rider cover ends on the earliest of the following:
a) the person covered reaching the expiry age; or
b) the date we approve a written request to terminate this rider; or
c) on the date this rider ends; or
d) the date when the base certificate or this rider certificate lapses.

Part C - Contribution Payment

1. What is the contribution payment term of this rider?

The rider contribution payment term and rider certificate cover term are the same and subject to a
minimum term of 5 years. If the remaining certificate term of the base certificate is less than 5 years
at the rider purchase date, the rider certificate cannot be purchased.

2. How do I pay for my contribution?

You may pay your contributions by credit or debit card.

3. Can I change my payment mode?

Yes. You may change your payment mode on the next payment due date. The payment frequency will
be the same as the base plan.

4. Will there be any increase or decrease in contribution during the coverage term?
There will be an increase or decrease in the regular contribution if:
▪ there is a plan change (for example: change from Plan 1 to Plan 2)
▪ there is a deductible change (for example: change from 0 to 50,000)
▪ there is a plan type change (for example: change from individual plan to family plan)
▪ any of the person covered dies (for couple/family plan)
▪ Re-pricing

5. Is the contribution paid eligible for tax relief?

Yes. Please check with your tax adviser on your eligibility and note that this is subject to the final
decision by the Inland Revenue Board.

6. What is the implication of the unsuccessful payment of my monthly contribution?

The Takaful Certificate will lapse if we didn’t receive your contribution within 60 days from the
contribution due date.

Part D – Claims Procedures and Exclusions

1. How do I make claim for Non Panel Hospital?

We’ve a dedicated claims page on our website and we’ll walk you through each step for reimbursement
for Non Panel Hospital.

2. What are the documents required for filing claim for Non Panel Hospital?
Click here and we’ll help you find the documents you need.
FWD Takaful reserves the right to request for more evidence at the expense of the claimant.

3. What is the waiting period under this rider?

(a) Specified Illnesses: waiting period of 120 days from commencement date (or reinstatement date)
shall apply

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 (b) Other medical conditions: waiting period of 30 days from commencement date (or
reinstatement date) shall apply.

Specified illnesses are the following disabilities and its related complications:

▪ Hypertension, diabetes melitus and cardiovascular disease;

▪ Growths of any kind including tumours, cysts, nodules or polyps;

▪ Stones in the urinary system and biliary system;

▪ Any disease of the ear, nose (including sinuses) or throat;

▪ Hernias, haemorrhoids, fistulae, hydrocele or varicocele;

▪ Any disease of the reproductive system including endometriosis

▪ Any disorders of the spine (including a slipped disc) or any knee conditions;

▪ Deviated nasal septum/nasal & paranasal sinus disorders

▪ Diseases of tonsils/adenoids

▪ Surgery of thyroid gland unless due to malignancy;

▪ All types of Hernia;

▪ Spermatocoel;

▪ Retinopathy/Retinal detachment;

▪ Peripheral vascular disease due to diabetes/diabetic foot;

▪ Renal failure due to diabetes;

▪ Osteoporosis/Pathological fracture;

▪ Cataract; or

▪ Joint replacements unless due to an accident.

4. Am I covered outside Malaysia?

Yes, the coverage offered under this rider is applicable worldwide. However, you must be a Malaysian
citizen residing in Malaysia and it’ll be subject to terms and conditions as stated in the certificate.

5. How long will it take for a claim reimbursement to be processed?

It takes up to 14 working days from the date when the complete/full documents are received to process
claim reimbursement.

6. How do I check the status of my claims?

The covered person/claimant may contact our Service Hotline at 1300 13 7988 or 603 2771
7771(International Calls) or email to contact.my@fwd.com
Our office hours are from 9.00 am – 6.00 pm on Monday to Friday, excluding weekends and public
holidays.

Note:
The above claims procedure is for reference only. For more details, please refer to the relevant policy
provisions. FWD Takaful reserves the right to amend these requirements or seek additional information
to support each claim.

7. What is the benefit exclusion applicable for this rider?

▪ This rider has certain exclusions, meaning situations where we won’t pay a benefit. We list
below the exclusions that apply to the benefits under your rider.

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 ▪ We may also apply specific exclusions to your rider. If any specific exclusions apply, we’ll record
the details in an endorsement.

List of Exclusion
Pre Existing condition
Any claim arises because the person covered wilfully participated in an unlawful act, or unlawful failure to
act.
War
Plastic or cosmetic surgery for beautification purposes;
Circumcision or any surgery on the foreskin;
Eye examination for visual impairments due to near-sightedness, farsightedness or astigmatism or radial
keratotomy;
Any form of dental care or Surgery unless necessitated by injury but excluding the replacement of natural
teeth, placement of denture and prosthetic services such as bridges and crowns or their replacement;
Private nursing care, non-Hospital nursing care, rest cures or sanitaria care;
Venereal disease and its sequelae;
HIV (Human Immunodeficiency Virus) related diseases, AIDS (Acquired Immune Deficiency Syndrome) or AIDS
related diseases;
Any communicable diseases required quarantine by law;
Any congenital disorders or hereditary diseases or deformities conditions
Pregnancy or pregnancy related conditions including childbirth, complications arising from pregnancy such as
miscarriage, abortion, pre-natal or post-natal care, contraceptive methods for birth controls, infertility
treatments and its complications;
Impotence, sterilization, erectile dysfunctions and its complications;
Investigation and treatment of sleep and snoring disorders;
Hyperhidrosis;
Hormone replacement therapy;
Mental or nervous disorders (including psychosis, neurosis and their physiological or psychosomatic
manifestations);
Hospital confinement or expenses incurred for sex changes;
Expenses incurred for donation of any body organ by the Covered Person and costs of acquisition of the organ
including all costs incurred by the donor during organ transplant and its complications except for kidney
transplant as stipulated under End Stage Kidney Failure benefit; t
Hospitalisation primarily for investigatory purposes, screening, diagnosis, X-ray examination, general physical
or medical examinations, not incidental to treatment or diagnosis of a Disability or any treatment which is
not Medically Necessary and any preventive treatments, preventive medicines, stem cell therapy, treatments
specifically for weight reduction or gain;
Any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care;
Any Disability caused by self-destruction, intentional self-inflicted injuries and illness, while sane or insane;
Injuries or Hospitalisation as a result of drug abuse, or while under the influence of alcohol not prescribed by
a Registered Medical Practitioner;
Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of
nuclear fission or from any nuclear weapon material;
Sickness or Injury arising from any dangerous or professional sporting activity or hobbies, such as but not
limited to hang-gliding, ballooning, parachuting, sky-diving, bungee jumping, hunting, mountaineering, water
skiing, underwater activities requiring breathing apparatus, or other similar activities;
Travel in an aircraft, aerial conveyance or device except as a fare-paying passenger in a commercial aircraft
licensed for passenger service on a scheduled flight over an established route.
Any Shariah Non-Compliance event

Part E - Certificate Servicing

1. Can I cancel my rider?

▪ Yes, you can cancel (terminate) your rider at any time. If you cancel your rider, your cover will end
from the date we cancel your rider certificate.

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 ▪ We’ll deduct from your contribution:
- an amount that covers the period you’ve been covered for; and
- an administrative fee;
and then refund you what is left. If your refund amount is less than or equal to RM 10 and we
don’t have your bank account details, we’ll donate the amount to a charity of our choosing. If it is
more than RM10 and we don’t have your bank account details, we’ll transfer the monies to
Register of Unclaimed Moneys. You’ll not be able to reinstate (restart) your rider after you cancel
it.

2. Can I change my credit or debit card details?

Yes, you may. Simply download and fill up the Change Request Form from our website and send it to
us at contact.my@fwd.com or place your request by logging into myPortal at
www.fwd.com.my/en/myportal/

3. Can I change my address or personal details?

Yes, you may. Simply download and fill up the Change Request Form from our website and send it to
us at contact.my@fwd.com or place your request by logging into myPortal at
www.fwd.com.my/en/myportal/

4. Can I reinstate my lapsed rider?

Yes. The reinstatement is allowed within 2 years from the lapse date. You’ll need to submit the
reinstatement request by completing the reinstatement application form and pay all outstanding
contributions plus the prorated contribution till the next contribution due date plus medical expenses
(if any).

However, the acceptance of your reinstatement request is subject to the health underwriting at the
time of your request.

▪ Reinstatements for rider certificates that have lapsed for more than 2 years will not be
allowed.

- Any reinstatement shall cover only those events that occur after the reinstatement date.

Part F - Other information

1. What are the documents I’ll receive after participating in FWD Medical Rider?
You’ll receive a certificate pack which includes the following:
▪ Cover Letter;
▪ Takaful Schedule;
▪ Takaful Certificate - that provides the terms and conditions of the contract for the Takaful
coverage;
▪ copy of customer fact finds
▪ copy of your completed Proposal Form;
▪ copy of the Product Illustration;
▪ copy of Product Disclosure Sheet
▪ copy of PDPA Notice

− If you’ve opted for softcopy documents, an email will be sent to you to register a myPortal account.
The softcopy certificate pack will be available on myPortal.

− If you’ve opted to receive hardcopy documents, we’ll send you the certificate pack for your reference
and safekeeping.

For standard cases, the certificate pack will be issued within one month from the date of receipt of
the application form, together with the complete documents / requirements and the appropriate
Takaful Contribution.

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 2. Where can I get further information about family takaful?
Find out more information about family takaful plans by referring to the insurance info booklet on
‘Family Takaful’ at www.insuranceinfo.com.my

If you’ve any other questions, please contact us at:

Customer Care
FWD Takaful Berhad
Level 29, Menara Shell
211 Jalan Tun Sambanthan
Brickfields, 50470 Kuala Lumpur.

Malaysia Hotline : 1300 13 7988 (Monday – Fridays 9.00am – 6.00pm, Exclude Weekend and Public
Holidays)

International Calls: 603 2771 7771

Fax : 603 2710 7800

E-mail : contact.my@fwd.com
Website : www.fwd.com.my
MyPortal : www.fwd.com.my/en/myportal/

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