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FWD Medi First

A comprehensive medical plan that ensures your healthcare needs are met for now and in the years ahead.

What are the benefits?

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Comprehensive Medical Coverage

FWD Medi First provides comprehensive medical coverage for hospitalisation, surgical and medical expenses. It gives you peace of mind as you go about your daily life.

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No Lifetime Limit & High Annual Limit

NO lifetime limit to ensure long-term medical coverage with high annual limit of up to RM5mil.

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Inflation Shield

Enjoy RM10 increase in hospital room & board and 10% increase in annual limit for every 3 years until the end of the coverage term, irrespective of whether any claims are made.

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Deductible Option & Retirement Option

Flexibility to choose deductible based on your financial & protection needs. You can opt for Retirement Option to remove your deductible upon retirement without underwriting.

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Medical Assistance Device Benefit

Get reimbursement of up to RM20,000 if you need medical assistance devices such as pacemaker, artificial limb, hearing aid, or implantable cardio-defibrillator.

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Genomic Test for Cancer

Enhanced cancer coverage including genomic testing to determine the treatment options after a cancer diagnosis.

See more
The Important Numbers

Key information

Key information

Overall Annual Limit

Up to RM5 mil

Eligibility

14 days to 70 years old

Our Plans

Plan 1
Coverage summary
Hospital Room & Board (No limit)
RM150
Overall Annual Limit
RM1,000,000
Overall Lifetime Limit
Deductible Options
No Lifetime Limit
RM500 per year
Hospital Benefits
  • Hospital Room & Board (No Limit)
    RM150
    • Intensive Care Unit (max 100 days per year)
    • Hospital Supplies & Services
    • Ambulance Fees
    As Charged*
    Surgical Benefits
    • Surgical Fees
    • Anaesthetist Fees
    • Operating Theatre
    As Charged*
    Medical Benefits
    • Pre-Hospital Diagnostic Tests (within 90 days prior to admission)
    • Pre-Hospital Specialist Consultation (within 90 days prior to admission)
    • Pre-Hospital Medication & Treatment (within 90 days prior to admission)
    • Daily In-hospital Physician Visit (2 visits per day)
    • Post-Hospitalisation Treatment (within 150 days following discharge from hospital)
    As Charged*
    Emergency Accidental Benefits
    • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
    • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
    As Charged*
    Outpatient Benefits
    • Home Nursing Care (max 180 days per lifetime)
    • Day Surgery & Day Care Benefits
    • Outpatient Kidney Dialysis Treatment
    • Outpatient Cancer Treatment for Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy or Immunotherapy
    • Outpatient Dengue Fever or Enteric Fever Treatment
    As Charged*
    • Outpatient Physiotherapy, Chiropractic, Acupuncture (per year) (within 150 days following discharge from hospital)
    Up to RM5,000
    • Outpatient Chiropody, Homeopathy & Osteopathy (per year) (within 150 days following discharge from hospital)
    -
    Other Benefits
    • Government Hospital Daily Cash Allowance (max 200 days per year)
    RM200
    • Lodger Benefit (max 200 days per year)
    RM75
    • Medical Report Fees (per disability)
    RM200
    • Multifocal/Intraocular Lens
    • Organ Transplant
    As Charged*
    • Emergency Medical Evacuation and Repatriation (per lifetime)
    Up to USD250,000
    • Medical Assistance Device Benefit (per disability)
    • Genomic Test for Cancer (per lifetime)
    • Second Medical Opinion (per year)
    -
    • Inflation Shield
    RM10 increase in Hospital Room & Board and 10% increase in Annual Limit for every 3 years regardless whether claim is made or not
    Recommended
    Plan 2
    Coverage summary
    Hospital Room & Board (No limit)
    RM200
    Overall Annual Limit
    RM1,500,000
    Overall Lifetime Limit
    Deductible Options
    No Lifetime Limit
    Zero Deductible, RM5,000, RM10,000 per year with Retirement Option to change to zero deductible without underwriting
    Hospital Benefits
    • Hospital Room & Board (No Limit)
      RM200
      • Intensive Care Unit (max 100 days per year)
      • Hospital Supplies & Services
      • Ambulance Fees
      As Charged*
      Surgical Benefits
      • Surgical Fees
      • Anaesthetist Fees
      • Operating Theatre
      As Charged*
      Medical Benefits
      • Pre-Hospital Diagnostic Tests (within 90 days prior to admission)
      • Pre-Hospital Specialist Consultation (within 90 days prior to admission)
      • Pre-Hospital Medication & Treatment (within 90 days prior to admission)
      • Daily In-hospital Physician Visit (2 visits per day)
      • Post-Hospitalisation Treatment (within 150 days following discharge from hospital)
      As Charged*
      Emergency Accidental Benefits
      • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
      • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
      As Charged*
      Outpatient Benefits
      • Home Nursing Care (max 180 days per lifetime)
      • Day Surgery & Day Care Benefits
      • Outpatient Kidney Dialysis Treatment
      • Outpatient Cancer Treatment for Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy or Immunotherapy
      • Outpatient Dengue Fever or Enteric Fever Treatment
      As Charged*
      • Outpatient Physiotherapy, Chiropractic, Acupuncture (per year) (within 150 days following discharge from hospital)
      • Outpatient Chiropody, Homeopathy & Osteopathy (per year) (within 150 days following discharge from hospital)
      Up to RM5,000
      Other Benefits
      • Government Hospital Daily Cash Allowance (max 200 days per year)
      RM200
      • Lodger Benefit (max 200 days per year)
      RM100
      • Medical Report Fees (per disability)
      RM200
      • Multifocal/Intraocular Lens
      • Organ Transplant
      As Charged*
      • Emergency Medical Evacuation and Repatriation (per lifetime)
      Up to USD250,000
      • Medical Assistance Device Benefit (per disability)
      Up to RM20,000
      • Genomic Test for Cancer (per lifetime)
      Up to RM10,000
      • Second Medical Opinion (per year)
      Up to RM2,000
      • Inflation Shield
      RM10 increase in Hospital Room & Board and 10% increase in Annual Limit for every 3 years regardless whether claim is made or not
      Plan 3
      Coverage summary
      Hospital Room & Board (No limit)
      RM300
      Overall Annual Limit
      RM2,500,000
      Overall Lifetime Limit
      Deductible Options
      No Lifetime Limit
      Zero Deductible, RM5,000, RM10,000 per year with Retirement Option to change to zero deductible without underwriting
      Hospital Benefits
      • Hospital Room & Board (No Limit)
        RM300
        • Intensive Care Unit (max 100 days per year)
        • Hospital Supplies & Services
        • Ambulance Fees
        As Charged*
        Surgical Benefits
        • Surgical Fees
        • Anaesthetist Fees
        • Operating Theatre
        As Charged*
        Medical Benefits
        • Pre-Hospital Diagnostic Tests (within 90 days prior to admission)
        • Pre-Hospital Specialist Consultation (within 90 days prior to admission)
        • Pre-Hospital Medication & Treatment (within 90 days prior to admission)
        • Daily In-hospital Physician Visit (2 visits per day)
        • Post-Hospitalisation Treatment (within 150 days following discharge from hospital)
        As Charged*
        Emergency Accidental Benefits
        • Emergency Accidental Outpatient Treatment (per accident including follow-up to 30 days)
        • Emergency Accidental Dental Treatment (per accident including follow-up to 30 days)
        As Charged*
        Outpatient Benefits
        • Home Nursing Care (max 180 days per lifetime)
        • Day Surgery & Day Care Benefits
        • Outpatient Kidney Dialysis Treatment
        • Outpatient Cancer Treatment for Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy or Immunotherapy
        • Outpatient Dengue Fever or Enteric Fever Treatment
        As Charged*
        • Outpatient Physiotherapy, Chiropractic, Acupuncture (per year) (within 150 days following discharge from hospital)
        • Outpatient Chiropody, Homeopathy & Osteopathy (per year) (within 150 days following discharge from hospital)
        Up to RM5,000
        Other Benefits
        • Government Hospital Daily Cash Allowance (max 200 days per year)
        RM200
        • Lodger Benefit (max 200 days per year)
        RM150
        • Medical Report Fees (per disability)
        RM200
        • Multifocal/Intraocular Lens
        • Organ Transplant
        As Charged*
        • Emergency Medical Evacuation and Repatriation (per lifetime)
        Up to USD250,000
        • Medical Assistance Device Benefit (per disability)
        Up to RM20,000
        • Genomic Test for Cancer (per lifetime)
        Up to RM15,000
        • Second Medical Opinion (per year)
        Up to RM3,000
        • Inflation Shield
        RM10 increase in Hospital Room & Board and 10% increase in Annual Limit for every 3 years regardless whether claim is made or not
        *Subject to Reasonable & Customary Charges

        Get your free personalized quote today.

        Please leave us your details and we will contact you shortly.
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        Downloads

        Product Disclosure Sheet (PDS)

        The benefit(s) payable under eligible policy is protected by Perbadanan Insurans Deposit Malaysia (PIDM) up to limits. Please refer to PIDM's TIPS Brochure or visit www.pidm.gov.my or contact FWD Insurance Berhad.

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