What is FWD Insurance Medi First?
This is a unit-deducting hospitalisation and surgical rider which offers comprehensive medical coverage up to 100 years old. It is attachable to a regular premium investment-linked plan.
It provides the flexibility of choosing the preferred level of coverage such as room and board limit, annual limit and deductible option, based on your protection needs.
What are the benefits being offered in this plan?
Upon signing up with FWD Insurance Medi First, you can enjoy some of the benefits below.
- Comprehensive Medical Coverage
Do you know that insurance costs are expensive these days? And will keep rising year after year. This is why we can all agree that staying healthy is a luxury that everyone should aim for.
With that in mind, get peace of mind knowing that you're protected via comprehensive medical coverage for hospitalisation, surgical and medical expenses.
- No Lifetime Limit and High Annual Limit
Already this medical plan gives you a high annual limit of up to RM5 million—which is refreshed every year—there is also no lifetime limit to this medical card.
With this benefit, you have the flexibility to claim every year up until you reach 100 years of age, which is the policy expiry date.
- Deductible Option and Retirement Option
What makes Medi First enticing is that it comes with a deductible option. So, depending on your financial situation, protection needs and the chosen plan, you have the flexibility to choose from zero deductible up to RM10,000 deductible.
You can opt for the Retirement Option to remove your deductible upon retirement without underwriting.
For every 3 years until the end of the coverage term, you will get a RM10 increase in hospital room and board, and a 10% increase in annual limit, irrespective of whether any claims are made.
- Medical Assistance Device Benefit
You can get reimbursement of up to RM20,000 if you need medical assistance devices such as hearing aids, pacemakers, artificial limbs or implantable cardio-defibrillators.
If you are diagnosed with cancer, this genomic test will help determine the treatment options.
Get reimbursement when you get a second medical opinion before deciding on the next treatment moving forward.
Outpatient refers to a patient(s) who is being treated with medical care without being admitted to the ward. And with Medi First, you can get to take advantage of the outpatient benefits such as the following.
- Emergency Accidental Outpatient Treatment
- Emergency Accidental Dental Treatment
- Home Nursing Care
- Day Surgery and Day Care Benefits
- Outpatient Kidney Dialysis
- Outpatient Cancer Treatment for Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy or Immunotherapy
- Outpatient Physiotherapy, Chiropractic, Acupuncture, Chiropody, Homeopathy and Osteopathy
- Outpatient Dengue Fever or Enteric Fever Treatment
I’m interested. Am I eligible to apply?
Anyone with a minimum age of 30 days and a maximum age of 70 years is eligible to apply for the FWD Insurance Medi First medical plan.
Find out more details about Medi First in this Product Disclosure Sheet (PDS).