FWD Insurance i-Protect

Treatments for critical illnesses are always costly. Get covered against Stroke, Cancer and Heart Attack with i-Protect, a critical illness plan that could help lessen your financial burden whereby 100% of the basic sum assured will be payable to you upon diagnosis.

FWD Insurance i-ProtectEssential protection
Min Sum Covered
No. of Illness
Entry Age
18 years - 60 years
Max Cover Age
70 years
Early Stage Coverage


What can I claim from this insurance policy?

  • Cancer
Heart Related
  • Heart Attack
Brain Related
  • Stroke

Contact Info

Who do I contact for any inquiries?

FWD Insurance Customer Care Hotline
FWD Insurance Hotline


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 60 years of age
Coverage Expiry Age
At most 70 years of age

More Information

What is i-Protect by FWD Insurance?

The i-Protect by FWD Insurance is a pure protection plan against three of the most common critical illnesses such as Stroke, Heart Attack and Cancer. It is also a non-participating plan that is automatically renewed every year.

How does this critical illness plan work?

Just to put things into perspective here—the three critical illnesses mentioned above are so common in Malaysia that almost anyone close to us suffers from them. We saw how detrimental these illnesses are and how expensive the treatments could be, be they short-term or long-term.

Regardless of the awareness, none of us can exactly predict what the near future has for us. However, we can certainly try our best to take better care of ourselves and one way to do it is by getting as much protection as we could.

Here’s where i-Protect shines! In the event that you have been diagnosed with any of the three critical illnesses: Stroke, Heart Attack or Cancer; 100% of the Basic Sum Assured (from your choice of plan and coverage amount) will be paid to you in a lump sum. Thereafter, your Policy will be automatically terminated and no longer work.

Though we understand that you might already have some savings stashed away somewhere to use during emergencies like the diagnosis or getting treatments, for instance, you don’t have to worry about using them at all. Let i-Protect cover you instead!

How much is the coverage amount?

The coverage amount that you could get with i-Protect depends on the type of plan you choose. Plan A offers a Basic Sum Assured of RM100,000 while you get RM300,000 as the Basic Sum Assured with Plan B. Plan C, on the other hand, offers a much higher coverage amount which is RM500,000.

Plan A: RM100,000

Plan B: RM300,000

Plan C: RM500,000

It is always advisable to get as much coverage amount as you possibly can. However, your current lifestyle, needs and budget plays a big role. We say this because you will be responsible for the monthly or annual premium payments. You wouldn’t want to waste money unnecessarily, so choose a plan that fits your needs.

How long do I need to pay for my premium?

This will depend on your age at the time of purchase or renewal, and the type of plan you choose. You can find the illustration of the amount of annual premium you may need to pay in the Product Disclosure Sheet (PDS).

Are there any fees or charges to purchase i-Protect?

No, there are not. You don’t need to pay any fees or charges upon signing up for FWD Insurance i-Protect.

Tell me about the exclusions of FWD Insurance i-Protect.

Before you sign up for i-Protect, the following are some of the exclusions that you should take note of. You can find the full list of exclusions by referring to the Policy Wording or Policy Contract.

1. Pre-existing illness; or

2. A Waiting Period of sixty (60) days shall apply to:

  • Cancer - of Specified Severity and does not cover Very Early Cancers;
  • Heart Attack - of Specified Severity.

3. A Waiting Period of thirty (30) days shall apply to Stroke; or

4. The second diagnosis of the same Critical Illness; or

5. A subsequent claim arose from the Critical Illness.

Am I eligible to apply?

Any individuals aged between 18 years old to 60 years old are eligible to apply for the i-Protect critical illness insurance plan, provided you don’t have any pre-existing illnesses.

How do I make a claim?

There are two ways you can claim with FWD Insurance. First, you can give them a call at 1-300-22-6262. Or, you can also follow these simple steps below to make a claim.

Step 1: Check your policy

  • Find out if you are covered for the event you are intending to claim for

Step 2: Check your payment records

  • Make sure that your policy is still active

Step 3: Check in with FWD Insurance

  • Notify them immediately either via call or visit the nearest branch to you

Can I cancel my policy?

Yes, you can. Upon getting your Policy Contract, you may request to cancel it within a free-look period of 15 days from the delivery date. And if FWD Insurance receives your policy within the said period, you are entitled to a refund of the premium paid, without interest.

However, if you cancel your Policy Contract after the given period of 15 days from the delivery date, your policy will be terminated on the next premium due date without any refund of the premium paid.

And because this is a pure protection plan and not a savings plan, there will be no cash value upon surrender or termination of the Policy Contract.

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