FWD Insurance i-Med

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 Careline at 1 300 22 6262 (Local) or +603 2298 0088 (Direct Line) for assistance.

What is FWD Insurance i-Med?

FWD Insurance i-Med is a non-participating, yearly renewable medical plan that offers you coverage for hospitalisation, room and board, intensive care unit (ICU), surgical benefits, outpatient benefits, and non-surgical medical benefits, including outpatient kidney dialysis treatment and outpatient cancer treatment.

There are two (2) types of medical plans being offered, namely Plan 1 and Plan 2, and each comes with different annual limits. Depending on your lifestyle, financial commitments, and protection needs, you can opt for either an annual limit of RM60,000 for Plan 1 or RM90,000 for Plan 2.

Despite the amount gap, it is worth highlighting that both plans offered no lifetime limit, which means there will be no reduction in your coverage up to age 71.

Tell me about the benefits of this medical plan.

Upon signing up for FWD Insurance i-Med, you, as the policyholder, can enjoy the benefits shown below. Please have a look at the Product Disclosure Sheet (PDS) here or the Policy Wording/Policy Contract to find more details about the benefits of i-Med.

• Cashless admissions

Not only are you able to apply for this medical card online, but you can also benefit from its cashless admissions to any of its major panel hospitals nationwide should you seek medical treatment.

By cashless admissions, we mean that you don’t have to pay a single cent from your own pocket. You just have to present your FWD Insurance i-Med medical card upon admission and your IC for identification, then the rest will be taken care of.

• Hospitalisation benefits

One of the major reasons people get a medical card is to take advantage of the hospitalisation benefits being offered. Depending on the type of plan you would like to opt for, you can enjoy the room and board benefits below upon admission. Please note that the said benefit for each plan has a maximum hospital stay of 200 days per disability.

Plan 1: RM150

Plan 2: RM250

How much premium do I have to pay?

The amount of premium you would have to pay should correspond to three criteria, which include the type of plan you choose, your age and your occupation. For an example of the premium amount, check out the table below for easy reference. Otherwise, you can find more detailed information in the PDS.

*For renewal only

As you can see, the older you get, the higher the premium payable will be. Hence, it is always advisable to get covered with a medical plan as soon as you can. Staying healthy is a luxury, and while we try our best to keep our health in check, we can never predict what’s going to happen in the near future. And it goes without saying—better to be safe than sorry!

Additionally, please note that the premium payable stated above is not guaranteed and will increase according to your age at renewal. FWD Insurance has the right to revise the premium by giving you a thirty (30) day advance notice.

Am I eligible to apply for FWD Insurance i-Med?

You are eligible to apply if you are aged between 18 and 45 years old, while the renewal of this policy is open up to the age of 70, as the coverage expires at 71 years old. After that age, this policy will cease and will no longer work.

Apart from that, we would also like to highlight that students, housewives, retirees, or unemployed individuals are eligible to sign up for Plan 1 only.

Additionally, individuals with pre-existing conditions or illnesses are not eligible to apply for FWD Insurance i-Med. Other major exclusions can be found in the Product Disclosure Sheet.

Can I cancel my policy?

Yes, you are allowed to cancel your policy, and here’s how it works.

Upon receiving the policy contract, you are given a free-look period of 15 days to match it with your needs, budget, or preference. And if you return the policy contract to FWD Insurance within the said period, a percentage of the premiums that you have paid will be refunded to you, without any interest. Thereafter, the policy will be nullified from commencing.

Regardless, you still need to give advance notice to FWD Insurance should you want to cancel your policy. The refund is also subject to your not making any claim on the policy during the current policy year. To find more details on the amount of the premium refund, simply go through the PDS or Policy Wording/Policy Contract shown below.