FWD Insurance i-FlexCover

Take charge of your day-to-day life with i-FlexCover. A flexible life insurance plan that enables you to upgrade or downgrade your coverage amount based on your needs or budget. What's more, you can simply purchase this insurance plan online!

FWD Insurance i-FlexCoverProtection in & out of Malaysia
Min Sum Assured
Death Benefit
up to RM150k
Death and TPD Coverage
until age 61
Accidental Death Benefit
TPD Benefit
up to RM150

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 61
Premium Type
Progressive rate. Increases as you age.
Plan Renewal
Option to renew plan with continued payment of premium, up to age 61


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

Main CoverageCoverage PeriodAm I Protected?
  • from 16 up to 61  years old
  • Yes , up to RM150k  
Accidental Death
  • from 16 up to 61  years old
  • from 16 up to 61  years old
  • Yes  
  • Yes , up to RM300k  
Public Conveyance Death
  • from 16 up to 61  years old
  • Yes , up to RM450k  
Total and Permanent Disability (TPD)
  • from 16 up to 61  years old
  • from 16 up to 61  years old
  • Yes  
  • Yes , up to RM150k  
Accidental Total and Permanent Disability
  • from 16 up to 61  years old
  • Yes , up to RM300k  
Daily Hospitalisation Income Benefit
  • from 16 up to 61  years old
  • Yes , up to RM250 each day, limited to 100 days per lifetime  


Minimum Entry Age
At least 16 years of age
Maximum Entry Age
At most 55 years of age
Coverage Expiry Age
At most 61 years of age

More Information

What is i-FlexCover?

Offered by FWD Insurance, the i-FlexCover is a non-participating yearly renewable term life insurance that provides coverage against Death, Total and Permanent Disability (TPD), Accidental Death, Accidental TPD, Accidental Death due to Public Conveyance, Accidental Death Outside of Malaysia, as well as Accidental Hospital Income Benefit where you get an allowance per day upon hospitalisation due to accidents.

Why should I choose this life insurance plan?

As its name suggests, the i-FlexCover allows you to adjust your protection plan by upgrading or downgrading your coverage amount following your ever-changing needs, preferences and even budgets. However, you can only do so upon your policy’s next premium payment due date.

If you are interested in adjusting your i-FlexCover plan, you can reach out to FWD Insurance in a few ways such as by giving the Customer Careline a call at 1-300-22-6262, emailing them via [email protected] or through live chat at their website.

Tell me more about the coverage.

There are seven (7) types of coverage you can get from i-FlexCover and each coverage is separated between natural causes or accidental. As for the coverage amount, you are able to benefit between as low as RM5,000 up to the maximum of RM450,000 for different types of coverage. Here’s a brief look at the coverage.

CoverageMinimum Sum AssuredMaximum Sum AssuredBenefit Amount (RM)
Death (Natural Causes)RM5,000RM150,000100% of the Sum Assured
Total and Permanent Disability (Natural Causes)RM5,000RM150,000100% of the Sum Assured
Accidental DeathRM10,000RM300,000200% of the Sum Assured
Accidental Total and Permanent DisabilityRM10,000RM300,000200% of the Sum Assured
Accidental Death due to Public ConveyanceRM15,000RM450,000300% of the Sum Assured
Accidental Death Outside of MalaysiaRM15,000RM450,000300% of the Sum Assured
Accidental Hospital Income BenefitRM50/dayRM250/day1% of the Sum Assured, up to a maximum of RM250 per day

We also would like to highlight a thing or two about the coverage of Accidental Death, Accidental Death due to Public Conveyance, and Accidental Death Outside Malaysia.

In reference to the Product Disclosure Sheet, the mentioned Accidental Deaths must be due to accidental bodily injury which takes place within thirty (30) days from the date of the accident. Plus, if a single event triggers multiple accidental death claims, the Accidental Death Benefit with the highest Benefit Amount will be payable.

The Accidental Hospital Income Benefit, on the other hand, is subject to a lifetime limit of one hundred (100) days. For full details about the coverage, please check out the Product Disclosure Sheet.

How much premium do I have to pay and for how long?

The number of premiums you have to pay, including the duration, will solely depend on the coverage amount or sum assured that you have chosen upon subscribing. Regardless, you can take a look at a table illustrating the premiums in the Product Disclosure Sheet.

Are there any fees or charges?

No, you don’t have to pay fees or charges upon signing up for FWD Insurance i-FlexCover.

What are the exclusions of i-FlexCover?

There are some exclusions under the i-FlexCover plan and we will list a couple of them below. To check the other major exclusions, please refer to your Policy Contract or Policy Wording or the Product Disclosure Sheet.

  • The Death benefit is NOT payable if the Life Assured commits suicide within 1 year from the Commencement Date or from the date the coverage is upgraded, dies by the hand of justice, or commits or attempts to commit an unlawful act under Malaysian Law.
  • Accidental Hospital Income Benefit (HIB) is NOT payable if the accident is caused by assault or murder, riot, suicide, being under the influence of alcohol, drug abuse, pregnancy, pre-existing disabilities, dangerous pursuits and occupation-inclusive but not limited to boxing and diving, sickness or disease which the Life Assured was suffering from or diagnosed before the policy issue date.

Am I eligible to apply for i-FlexCover?

Any Malaysians, Singaporeans or Bruneians aged between 16 to 55 years old are eligible to apply for i-FlexCover. The coverage term is up to 61 years old with the last policy renewal age of 60 years old.

How to make a claim?

You can give FWD Insurance a call at 1-300-22-6262 or live chat with them on their website. You can also expedite the claim process by making a nomination. This can be done during the application process or after your policy contract has been issued.

Can I cancel my policy?

Yes, you can. Upon receiving your policy contract, you will have a free-look period of 15 days and you can return the policy to FWD Insurance within that given period of time. Once returned, your policy will be terminated and considered void from the beginning. And any premium paid will be refunded to you, without interest, provided there isn’t any indebtedness.

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