FWD Insurance Medi First

Focus on your recovery worry-free knowing that your medical bills are taken care of with this comprehensive medical plan. Get up to RM5 million worth of annual limit with no lifetime limit.

FWD Insurance Medi FirstNo lifetime limit
Annual Limit
up to RM5m
Lifetime Limit
No limit
Room & Board
up to RM500
Coverage Age
30 days - 100 years
No. of Panel Hospitals
Investment-Linked Plan


How much you can claim for hospital bills

Annual Limit
from RM1m up to RM5m
Lifetime Limit
No limit
Pre-Hospitalisation Diagnostic Tests
As charged within 90 days before hospitalisation
Room & Board
from RM150 up to RM500no limit
Surgical Fees
As charged 
Pre-Hospitalisation Consultation
As charged within 90 days before hospitalisation
Medication and Treatment
As charged within 90 days before hospitalisation
Intensive Care Unit (ICU)
As charged maximum 100 days per year
Hospital Services and Supplies
As charged 
Day Care Surgery
As charged 
Anaesthetist Fees
As charged 
Operating Theatre Fees
As charged 
In-Hospital Physician Visits
As charged daily with 2 visits per day
Post-Hospitalisation Treatment
As charged within 150 days following discharge from the hospital
Outpatient Kidney Dialysis Treatment
As charged outpatient benefit
Outpatient Cancer Treatment
As charged outpatient benefit, including Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy or Immunotherapy
up to RM5koutpatient benefit, including Chiropractic, Acupuncture, Chiropody, Homeopathy and Osteopathy. This should be within 150 days following discharge from the hospital, depending on the chosen plan
Organ Transplant
As charged 
Emergency Accidental Outpatient Treatment
As charged per accident, including follow-up to 30 days
Medical Evacuation and Repatriation
up to USD 250,000 per lifetime
Emergency Dental Treatment
As charged per accident, including follow-up to 30 days
Ambulance Fees
As charged 
Cash Allowance at Government Hospital
from RM80 up to RM200daily with maximum 200 days per year
Insured Child Guardian Benefit
from RM75 up to RM250maximum hospital stay of 200 days per year
Home Nursing Care
As charged maximum 180 days per lifetime
Medical Report Fee
up to RM200per disability
Intraocular Lens
As charged 


Additional benefits with this insurance

Investment Linked Plan
Up to RM10,000
15 days cancellation refund

How to Claim

Who do I contact if I have a question or emergency?

Medical Assistance Hotline & Services
FWD Insurance Customer Care Hotline

If you choose Pay & File admissions, follow these steps to speed up your claim:

1. Fill in the Notice of Claim Form
Complete and submit the Notice of Claim form and send it to FWD Insurance as soon as possible / within the prescribed time of your policy.

2. Fill in the Claim Form

Visit the FWD Insurance website > "Claims" and choose the relevant Claim Form. Print it out and fill it in.

3. Prepare Supporting Documents
Compile all supporting documents such as medical bills, operation bills and in-hospital physician proof of appointment.

Bring the documents mentioned above to your nearest FWD Insurance branch. Should you need help, call the Customer Service helpline at 1 300 22 6262 (Local) or +603 2298 0088 (Direct Line) for assistance.


Minimum Entry Age
At least 30 days of age
Maximum Entry Age
At most 70 years of age
Coverage Expiry Age
At most 100 years of age

More Information

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.

  • Inflation Shield

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.

  • Genomic Test for Cancer

If you are diagnosed with cancer, this genomic test will help determine the treatment options.

  • Second Medical Opinion

Get reimbursement when you get a second medical opinion before deciding on the next treatment moving forward.

  • Outpatient Benefits

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.

  1. Emergency Accidental Outpatient Treatment
  2. Emergency Accidental Dental Treatment
  3. Home Nursing Care
  4. Day Surgery and Day Care Benefits
  5. Outpatient Kidney Dialysis
  6. Outpatient Cancer Treatment for Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy or Immunotherapy
  7. Outpatient Physiotherapy, Chiropractic, Acupuncture, Chiropody, Homeopathy and Osteopathy
  8. 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).

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