Hospital bills are half the story.
A hospital stay brings bills. It can also mean months away from work while the house loan, the car instalment and your children's school fees keep arriving every month, exactly as they did before. Medical cover and critical illness cover take care of different parts of that, and we'll help you get the right mix through FWD Insurance and FWD Takaful.
Two covers, two different jobs.
Together they look after both the hospital and the home. Here's the short version.
| Topic | Medical cover | Critical illness cover |
|---|---|---|
| What it does | Helps pay eligible hospital and treatment bills | Pays a lump sum when your condition meets the policy's definition |
| What we'll check with you | The limits, panel hospitals, how claims work, the exclusions, and any co-payment or deductible | Which illnesses are covered, how each one is defined, waiting and survival periods, and how a claim works with your other benefits |
| Best paired with | Critical illness cover, for income and everyday bills while you get well | Medical cover, for the hospital and treatment bills |
Every plan works a little differently, so we'll go through the exact terms in the product disclosure sheet and the policy with you.
What we look at in your review.
We start with what you already have, so you don't pay twice for the same cover.
- The medical card from your employer, and what happens to it if you change jobs
- Any personal policies you're already paying for
- Whether the monthly premium or contribution fits your budget, now and in 10 years
- How much of a hospital bill you could comfortably pay yourself
- Your emergency savings
- Who depends on your income every month
- Whether the plan stays comfortable as premiums and contributions change over the years
Questions people ask us.
Can I have both?
You can, and they do different jobs. Whether both make sense for you depends on what you already have, your budget and the terms of each plan. We'll put the two side by side for you in a free 30-minute review.
What can a critical illness payout be used for?
It's a lump sum, so you decide: the house loan, the school fees, a few months off work or simply time to get well without worrying about the bills.
Will you help me if I'm admitted to hospital?
Yes. For the admission itself, FWD's hotline is the quickest route. Then WhatsApp us, and we'll explain each step, help you get the paperwork right and stay with you through the claim.
Already a client with a claim?
Go to Client Care, or WhatsApp +60 11-1111 1692, and tell us what you need. We'll help you find the right claims route and get the documents ready.
If it's urgent, your doctor or hospital comes first. We'll be right here when you're ready.
Cover depends on the policy terms and FWD's acceptance.
What would you like to look after?
Not sure what your cover does?
Bring your policy or your employer's benefits summary to a free 30-minute review. We'll go through what it pays for, in plain English or Bahasa Malaysia. You won't be asked to sign anything. We're in Kuala Lumpur, and a WhatsApp message is the easiest way to start.