FWD Insurance i-Care

Be prepared for the unexpected with i-Care, an FWD Insurance plan that gives you coverage of up to RM500,000 if any unfortunate event occurs.

FWD Insurance i-Care
Min Sum Assured
Death Benefit
up to RM500k
Death Coverage
until age 80
Accidental Death Benefit
TPD Benefit
up to RM500

How to Claim

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

FWD Insurance Customer Care Hotline
FWD Insurance Hotline


Cover Term
Protection up to age 80
Premium Type
Progressive rate. Increases as you age.
Plan Renewal
Option to renew plan with continued payment of premium


How will FWD Insurance help to secure your family's financial future?

Main CoverageCoverage PeriodAm I Protected?
  • from 18 up to 80  years old
  • Yes , up to RM500k  
Accidental Death
  • from 18 up to 69  years old
  • from 18 up to 69  years old
  • Yes  
  • Yes , up to RM250k  
Total and Permanent Disability (TPD)
  • from 18 up to 69  years old
  • from 18 up to 69  years old
  • Yes  
  • Yes , up to RM500k  


Minimum Entry Age
At least 18 years of age
Maximum Entry Age
At most 60 years of age
Coverage Expiry Age
At most 80 years of age

More Information

What is FWD Insurance i-Care?

i-Care is a non-participating yearly renewable term plan that provides coverage against Death, Total Permanent Disability (TPD) and Accidental Death Benefit. There are 3 plans to choose from, and the sum assured for each plan is illustrated in the table below.

Plans Plan A Plan B Plan C
Death Benefit RM100,000
RM300,000 RM500,000
Total and Permanent Disability Benefit  RM100,000
RM300,000 RM500,000
Additional Accidental Death Benefit RM50,000 RM150,000 RM250,000

Source: FWD Insurance

Tell me more about the benefits.

Unexpected and unforeseen circumstances may pop up and it's important that your family and loved ones are financially protected.

FWD Insurance i-Care gives you peace of mind with its benefits under 3 plan options:

  • Death Benefit - a lump sum will be paid to your loved ones in the event of your death
  • Total and Permanent Disability (TPD) Benefit - a lump sum will be payable to reduce your financial burden if you are suffering from total and permanent disability
  • Accidental Death - an additional lump sum will be paid to your loved ones if your death is due to injury from an accident

How long am I covered?

You can purchase this plan if you are between the age of 18 and 60 years old. This plan is an automatic yearly renewable term coverage up to the age of 80 for the Life Assured based on the payment of the appropriate premium. The Death Benefit covers the Life Assured up to the age of 80 while the coverage for both Total Permanent Disability and Additional Accidental Death ceases upon the Life Assured attaining the age of 69. 

Your premiums are calculated based on your age and the plan you select. The insured can continue their coverage as long as the premium is paid, so continue to pay your premiums till the age of 80 if you want to be covered.

What are the major exclusions?

Like most insurance policies, there are instances where your coverage will not work. In the case of FWD Insurance's i-Care plan, here is a short summary of the major exclusions. 

  • Death Benefit is not payable if the Life Assured dies through duelling, at the hands of justice, committing or attempting to commit negligence, negligent or unlawful acts under the prevalent law in force or any act contrary to public policy. 
  • Total and Permanent Disability (TPD) Benefit is not payable if caused by attempted suicide, self-inflicted injury, being under the influence of drugs or liquor, engaging in hazardous activity, engaging in a submarine or outer space voyage, performing duties in the military, pre-existing illness or accident, dangerous pursuits and dangerous occupation. 
  • Additional Accidental Death Benefit is not payable if death is caused by: assault or murder, riot, suicide, being under the influence of alcohol, drug abuse, pregnancy, pre-existing disabilities, dangerous pursuits and occupations inclusive but not limited to boxing, diving and acrobatics. 

Of course, this list is non-exhaustive. Remember to check your policy contract for a comprehensive list of exclusions and terms and conditions. 

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product