FWD SpecialMed

A medical plan that’s uniquely tailored to prioritise the

needs of people with mild to moderate learning disabilities

Call our hotline for inquiries: 1300 13 7988

Care and support for people with learning disabilities

No two individuals experience the same situation the same way –

especially for people with learning disabilities. So we know that
waiting to see a doctor in a crowded hospital when you’re ill or hurt
can be particularly stressful.

At FWD Takaful, we believe that giving priority to the needs of

people with learning disabilities is not special treatment, but fair
treatment, given the extra challenges you may face. So we designed
a plan that provides you the priority you deserve.

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 Care and support for people with learning disabilities

Prioritised medical
care for people with
learning disabilities
Malaysia’s robust public health system with
universal health coverage enables every one to
get medical care when we need it.

However, it also means there is the stress of

longer waiting times, busy environments, and the
possibility of not seeing your preferred doctor.
Recovery support is also largely not covered.

FWD SpecialMed enables people with mild to

moderate learning disabilities to get access to
private healthcare and many other relevant
support services. Our first medical online plan is
specifically tailored to the needs and challenges
in getting medical care faced by people with
learning disabilities.

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Your benefits at a glance

3 levels of support designed

by listening to your needs
We designed the features of this plan by speaking to real
Malaysians and loved ones of those with learning disabilities.

MEDICAL-CARE
Hospitalisation Benefit
This plan reimburses hospitalisation costs including hospital room and board,
intensive care, hospital supplies and services as well surgical, anaesthetist’s
and physician’s fees.

Ambulance Fees
Even the unexpected costs of ambulance fees is covered by this plan, so
there is no doubt when you are in an emergency situation.

POST-CARE
Post-Hospitalisation Expenses
We will reimburse your medical and treatment expenses up to 30 days
after your hospitalisation.

Rehabilitation and Therapy (for a limited time)

We are offering you extra care by subsidising your rehabilitation and therapy.

EXTRA-CARE
Funeral benefit
Funeral cost aid for a guardian of a person with learning disabilities

Job training and vocational course (for a limited time)

Subsidy for job training and vocational courses for persons with learning disabilities.

A care plan that provides a range of expert

support services guided by a professional nurse.

Subject to availability, eligibility, and terms and conditions apply.

Please refer to fwd.com.my for more information.

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 Learning disabilities that we cover

Coverage for a range of mild to

moderate learning disabilities
We offer a yearly renewable plan that provides coverage for
these learning disabilities. All that’s needed is your Persons
with Disability card (Kad OKU) or certified medical report.

Attention Deficit Lifelong complications involving levels of concentration

Hyperactivity Disorder and impulse control.
(ADHD)

Global Development Significant delays in cognitive and physical development. It’s

Delay (GDD) diagnosed when a person is delayed in at least two of these
categories: gross/fine motor skills, speech/language,
cognition, social/personal or activities of daily living.

Intellectual Disability A developmental disorder characterised by limitations in

intellectual functioning.

Tourette Syndrome A neurological disorder characterised by sudden, repetitive,

rapid, and unwanted movements or vocal sounds.

Autism Spectrum A group of neurodevelopment disorders that affect how people

Disorder (ASD) communicate, learn, behave, and socially interact.

Specific Learning A group of neurodevelopmental disorders characterised by a

Disability persistent impairment in at least one of three major areas:
(Dyslexia/Dyscalculia/ reading, written expression, and/or math.
Dysgraphia)

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Getting a plan that works for you

A plan that fits your budget

We’re offering two plans so that you can choose one
that best suits your budget.

Plan Plan 1 Plan 2

Annual Limit RM50,000 RM100,000

Contribution From RM114.17/month From RM120.00/month

Other Features

No lifetime limit
While there is a limit on how much you can claim each year, there is no limit
on how much you can claim in a lifetime.

Cashless takaful
This means FWD Takaful pays for your eligible expenses directly to the
hospital as long as the total bill amount falls within the sum covered limit and
the hospital is a network hospital.

Full coverage or deductible options

You can either choose to let us fully pay all of your eligible expenses or you
can pay RM500 out of pocket and let us pay the rest of your eligible
expenses. How much you pay for your medical plan depends on
your chosen option.

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 Support and care, just for you

More support and care

than you’d expect
POST-CARE

Post-Hospitalisation Expenses Rehabilitation and Therapy

Coming back from an injury or illness requires time and patience – having the right
support eases the transition. We will support your path in completing your recovery by
reimbursing your post-hospitalisation expenses as charged up to 30 days after your
hospitalisation. For a limited time, we will subsidise up to RM2,000* for your rehabilitation
and therapy needs on a reimbursement basis.

EXTRA-CARE

Funeral benefit Job training

We are extending our support beyond your medical needs. For a guardian, we will pay
RM5,000 to the beneficiary in the unfortunate event of the guardian’s passing while the
rider is still in force. If you are a person with learning disabilities who wish to take up job
training or vocational courses, for a limited time we will subsidise up to RM800* on a
reimbursement basis for your participation in these programmes.

*Terms and conditions apply. Please refer to fwd.com.my for more information.

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Support and care, just for you

We know that traditionally, takaful coverage only supports you financially. But beyond that, the
support usually stops. This is why at FWD Takaful, we want to help you get extra care, even
after your claim is paid. Between 5 April 2022 and 30 September 2022, if an eligible claim is
approved, FWD Care will be made available to you.

FWD Care is a care plan that provides a dedicated nurse to support you through challenges, as
well as a range of support services, at no cost up to the value of RM2,000. Be it emotional sup-
port, or practical help, the services listed below can be booked in consultation with your dedi-
cated nurse.

Local medical
Home assistance
transportation

Counselling Physiotherapy

Home nursing care Dietician

assistance consultation

Subject to eligibility and terms and conditions apply. Please refer to fwd.com.my for
more information.

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 Getting started with your plan

You’ll know this plan is for you if you’ve

answered ‘yes’ to any of the statements below.

Do you find long waiting times at the hospital especially stressful?

Going into hospital can be a worrying time for anyone. But it can be particularly
worrying and stressful for someone with a learning disability.

Are you concerned about not seeing familiar doctor or nurses?

Some people with learning disabilities have trouble forming relationship with other
people. Being able to see healthcare workers that they are familiar with and understand
their condition may ease their anxiety during hospital visits.

Do you value more care after hospitalisation?

Follow-up appointments, treatment, rehabilitation and therapy are often essential for
recovery – but sometimes, you may need to get them at a different place and
additional cost. For people with learning disabilities, this uncertainty can cause worry.

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How does it work?

Getting the right medical treatment,

at the time it’s needed.
Follow these journeys to understand how
FWD SpecialMed works.

Sofia is a 6-year-old girl who loves climbing trees and play pretend. While this is
common for children her age, Sofia sometimes forgets that she is up in a tree or
pretending to be a bird that she falls and get cuts that requires stitches. You see,
Sofia has been diagnosed with ADHD by her family doctor, which means she has
trouble focusing on what she’s doing.

While her parents are able to pay her medical bills now, they worry that they’re
unable to do so in the future without the help of a medical plan.

April 2022
Plan:
Sofia’s parents participated in FWD SpecialMed for Sofia.
Plan 1
Deductibles:
This allows Sofia to access Dr. Azie when Sofia needs medical
No
attention. Dr. Azie is a paediatrician who has a special waiting room
Annual Contribution:
for patients with learning disabilities. This means Sofia is less likely
RM3,930
to be agitated while she waits and therefore, easier to treat.

October 2022
Sofia got into an accident while playing. The medical plan
covered the medical bills.

After hospitalisation, Sofia had to relearn how to walk, so

FWD Takaful supported her physical therapy sessions,
supervised by Dr. Azie.

Plan: March 2023

Plan 1 At the end of certificate year 1, Sofia’s parents renewed their plan
Deductibles: with FWD Takaful. They chose the same Plan but with the
Yes deductible option in place so that they’d pay a lower annual
Annual Contribution: contribution for the next certificate year.
RM3,090

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 How does it work?

Getting the right medical treatment,

at the time it’s needed.
Follow these journeys to understand how
FWD SpecialMed works.

Umar is a 30-year-old homebody that loves spending his days at home listening music.
He is a website designer that works from home, well before the pandemic. This is
because Umar has Asperger’s Syndrome, a form of Autism Spectrum Disorder. This
means he is hypersensitive to his environment and have trouble with social interactions
with people he doesn’t know.

He has been living independently the past few years. He tries to keep himself healthy as
best as he can because he hates waiting to be seen by a doctor he doesn’t know at his
local public hospital.

Plan:
April 2022 Plan 2
Umar signed himself up for the FWD SpecialMed plan. Deductibles:
Yes
He feels better that he can choose to visit a private hospital if he Annual Contribution:
ever needs it. RM2,220

August 2022 February 2023

Umar can be unaware of his body at times.
This has caused him a couple of visits to the
emergency department (ED) for stitches.
Since Umar opted for the deductible plan, he
only paid the deductible of RM500 out of his
pocket, and the rest of the bill is covered by
the medical plan.
After an intense dizziness attack, the ED kept
Umar overnight for observation. After conducting
some tests, it’s found that Umar has vertigo and
is assigned to Dr. Johan, an Ear, Nose and Throat
doctor.
After his release, Umar underwent vestibular
rehabilitation under Dr. Johan’s supervision to
help him avoid getting vertigo in the future.

The medical plan covered his medical bills

and rehabilitation.

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How we’re different

Combining the best of Takaful

and cutting edge technology.
We’ve effectively combined best of Takaful and cutting
edge technology (and a little human touch) to help you
celebrate living and live life to the fullest.

Since we entered the Malaysian Takaful market in March 2019, FWD Takaful
has stayed on a positive trajectory with steady customer growth,
development of new distribution channels and products, as well as
establishing valuable collaborations with unique organisations to support our
vision of changing the way people feel about Takaful.

Aligning with our customer-led and technology-driven approach, we

discovered the opportunity for a digital renaissance for the takaful industry,
which has inspired us to explore new ideas such as e-signature, digital
verification and digital certificate.

We are honoured to have received recognition for our endeavour to deliver

quality, and customer-led takaful services and solutions. In 2021, FWD
Takaful Berhad won the Innovation Award for our FWD Affiliates from the
Malaysian Takaful Association (MTA) Takaful Star Awards.

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 Important to know

Your benefits – based on your

chosen plan
Plan Plan 1 Plan 2

Annual Limit RM50,000 RM100,000

Maximum Claimable RM10,000 RM10,000

per Illness/Accident

Hospital RM150 RM150

Room & Board (up to 30 days/year) (up to 120 days/year)

RM300 RM300
Intensive Care Unit (up to 15 days/year) (up to 60 days/year)

Emergency Accidental Up to RM1,000 per year

Outpatient Treatment

Deductible option No deductibles or RM500 per certificate year

Per-Admission Claimables

Hospital Surgical Fees Day Surgery Operating

Supplies and Theatre Fees
Services

Anaesthetist’s Ambulance Fees In-Hospital Post-Hospitalisation

Fees Physician Visits Treatment for
(up to 150 days/year, 30 days
2 visits/day)

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Important to know

How deductibles work You will first

need to pay
RM200
Let’s assume you have chosen
Plan 1 with an annual limit of
RM50,000 and a deductible
October, you Medical bill: Pay first since
of RM500 per certificate year.
went to the ED RM200 you chose RM500
for stitches deductible per year

We pay the
rest of the
RM4,700

RM500
Deductible per Later in Total hospital Pay the remaining
December, you bill: RM5,000 balance RM300 of
certificate year. are hospitalised deductible
because of a car
accident

However, the deductible will be waived for the following items:

Major accidents which cause person covered to be admitted to ICU for a

period longer than 7 days and require a medically necessary surgery; and

Visits to Emergency department which are classified as RED and require

immediate assessment and treatment.

Appendix 1 – Annual Contribution Table of FWD SpecialMed

Male/Female
Without Deductible With Deductible of RM500
(Person Covered)
Age next birthday
Plan 1 Plan 2 Plan 1 Plan 2
(ANB)
5-7 3,930 4,140 3,090 3,260
8-10 2,890 3,040 2,300 2,430
11-15 1,720 1,810 1,370 1,440
16-20 2,960 3,120 2,380 2,500
21-25 3,580 3,760 2,860 3,010
26-30 2,570 2,710 2,110 2,220
31-35 3,280 3,450 2,700 2,840
36-40 3,850 4,050 3,160 3,320
41-45 4,460 4,700 3,660 3,850
46-50 5,000 5,260 4,100 4,320
51-55 5,830 6,140 4,920 5,180
56-60* 6,920 7,280 5,910 6,230
61-65* 9,190 9,670 7,830 8,250
66-70* 12,720 13,390 10,670 11,230

*For renewals only.

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 Important to know

When we won’t pay any benefits

At FWD Takaful, we don’t believe in setting a long list of hidden clauses that prevents us from
giving you what is due in the event of a claim. So we’ve simplified our exclusion list. We won’t
pay any benefit under this plan if the claim arises from:

Pre-existing We cover pre-existing learning disabilities but not pre-

Illnesses existing illnesses

Unlawful Acts We don’t cover claims arising from an unlawful act, or

unlawful failure to act

Circumcisions We don’t cover circumcisions or any surgery on the foreskin

Dental Care We don’t cover any form of care or surgery concerning your
teeth, gums and mouth

Venereal We don’t cover diseases that contracted and transmitted by

Diseases sexual contact, as well as conditions arising from it

HIV and AIDS We don’t cover diseases related to Human Immunodeficiency Virus (HIV),
Acquired Immune Deficiency Syndrome (AIDS) and AIDS-related diseases

Communicable We don’t cover any infectious diseases that are required

diseases quarantine by law

Note: This list is non-exhaustive. Refer to your Certificate for a full list of
terms and conditions.

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Important to know

Eligibility
Entry Age

Person Minimum Entry Age: Maximum Entry Age:

Covered 5 years old 55 years old

Certificate Minimum Entry Age: No maximum limit

Owner 17 years old

Certificate 1 Year
Term (Renewed automatically up to age of 71 years old)

Contribution
Frequency Annually or Monthly

Note: Age implies the age at the next birthday.

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 Important to know

How much is the Wakalah fee

Certificate Year 1

Wakalah Fee 16%

We’ll deduct a percentage of the contribution paid as an upfront fee.

How are we Shariah-compliant?

1. We manage your contribution and our takaful operations are based on the Shariah contract of Wakalah and
guided by our Shariah committee.

Takaful is a mutual assistance scheme Wakalah is the appointment by

based on the spirit of brotherhood and one party of another to act on
solidarity where you and others agree to his/her behalf.
assist each other financially if anyone of
you suffers a specific loss.

2. We allocate your contributions, less the Wakalah fee into the Participant’s Risk Fund (PRF), as tabarru’.
The tabarru’ is used to pay the benefits to entitled claimants who are entitled based on:

• the solidarity of brotherhood and cooperation among the participants; and

• terms and conditions within the certificate

Tabarru’ is a donation for the purpose of takaful.

3. In case of the good performance of the PRF, we’ll be compensated 50% of the surplus distributable as
Ju’alah and the remaining 50% will be distributed to eligible participants.

If the value of PRF is insufficient to pay Ju’alah is the reward to the Takaful
the claims, then we’ll give Qard which is Operator for the good performance of
an interest-free loan to PRF. the participants’ risk fund.

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Important to know

Coverage term 1 Year (Renewed automatically up to age of 71 years old)

Contribution type This is a regular step-up contribution takaful plan, meaning your
contribution will increase as you age.

How much do How is the contribution calculated for this plan?

We determine your contribution amount based on the following factors:
you contribute • Attained age • Deductible option
• Plan chosen

Important Notes
1. This brochure does not form a contract between you and FWD Takaful Berhad. The full terms and conditions
are stated in the certificate documents.

2. You are entitled to an individual tax relief when you participate in this plan, subject to terms and conditions of
the Inland Revenue Board of Malaysia (LHDN).

3. Under this plan, no benefits are paid upon termination or at maturity, so you should ensure that you are
satisfied that the plan meets your needs and the contributions are affordable to you.

4. FWD SpecialMed certificate is not a savings or investment product. You will not receive any money from this
certificate other than from the stated benefits.

5. For further information on fees, charges, and other product details, our customer service can be reached at
1300 13 7988 or email contact.my@fwd.com.

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For more information, our customer service
can be reached at 1300 13 7988.

Service Hotline
1300 13 7988

https://www.fwd.com.my/en/myportal/

Already a customer?
Simply log on to
our customer portal

About FWD Takaful Berhad

FWD Takaful Berhad (“FWD Takaful”) is a Takaful provider in

Malaysia that offers family Takaful services. FWD Takaful is
licensed under the Islamic Financial Services Act 2013 and is
regulated by Bank Negara Malaysia. FWD Takaful is a takaful
business unit of FWD Group (“FWD”).

FWD Group is a pan-Asian life insurance business with approximately 10 million

customers across 10 markets, including some of the fastest growing insurance
markets in the world. Established in 2013, FWD is focused on making the
insurance journey simpler, faster and smoother, with innovative propositions and
easy-to-understand products, supported by digital technology. Through this
customer-led approach, FWD is committed to changing the way people feel about
insurance and takaful.

For more information, please visit fwd.com.my.