Home Health Centre General Wellness Takaful and Wellness FWD SpecialMed 2: Malaysia's First Online Medical Plan Tailored for People with Disabilities (PWD)!

FWD SpecialMed 2: Malaysia's First Online Medical Plan Tailored for People with Disabilities (PWD)!

FWD SpecialMed 2: Best Insurance Plan for People with Disabilities in Malaysia

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What is FWD SpecialMed 2?

FWD SpecialMed 2 is Malaysia's pioneering online medical takaful plan tailored to prioritise the healthcare needs of Persons with Disabilities (PWD). The progressive plan improves PWDs’ accessibility to quality healthcare and offers 3 levels of support:

1. Inpatient benefits

  • Covering hospital room and board, ICU, surgical and anaesthetic fees, and even unexpected ambulance fees. This ensures individuals receive financial assistance during urgent medical situations, easing the burden of hospital bills.

2. Outpatient support

  • Including pre- and post-hospitalisation services such as consultation fees, emergency accidental outpatient or dental treatment, and more.

3. Extra care

  • The plan covers companion bed expenses for one person, providing support for up to 60 days a year, emphasising the protection plan’s commitment towards caregivers as well.

Who is this plan for?

The plan supports individuals with:

  • Visual Disability
  • Hearing Disability
  • Global Developmental Delay (GDD)
  • Attention Deficit Hyperactivity Disorder (ADHD)
  • Intellectual Disability (ID)
  • Specific Learning Disability (Dyslexia / Dyscalculia / Dysgraphia)
  • Autism Spectrum Disorder
  • Tourette Syndrome
  • Down Syndrome

Apply Now!

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Here’s a closer look:

Inpatient benefit

Outpatient benefit

Extra benefit

  • Hospitalisation benefit: Covers costs related to hospital stays, including room and board, intensive care, hospital supplies, services, and fees for surgery, anaesthesia, and physicians.
  • Ambulance fees: Covers the costs of ambulance services during emergencies.
  • Pre-hospitalisation expenses: Reimburses medical and consultation expenses incurred up to 30 days before hospitalisation.
  • Post-hospitalisation expenses: Reimburses medical and treatment expenses for up to 90 days following hospitalisation.
  • Emergency expenses: Covers accidental outpatient or dental treatment costs, including follow-up treatment within 30 days, up to RM1,000 per year.
  • Companion bed: Reimburses one person’s expenses for a companion bed, up to a maximum of 60 days per year.

Comparison of FWD SpecialMed 2 plans

Here's a summary of the available plans:

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What is a deductible? 

A deductible is the amount you must pay upfront before your plan covers the rest. It's a way to lower your monthly payments.

You can choose a plan without a deductible. With this option, you won't have to pay anything upfront because your plan will cover the entire cost.

However, the deductible doesn't apply to certain situations:

  • Major accidents which cause the person covered to be admitted to the ICU for a period longer than 7 days and require a medically necessary surgery
  • Visits to the hospital emergency department and the person covered is classified within red zone (critical zone);
  • Treatment sought at Malaysian government hospitals, or;
  • Major claims which refer to claims that result from illnesses as specified below:
    1. Heart attack
    2. Cancer
    3. Coronary artery by-pass surgery
    4. Kidney failure
    5. Stroke

Know someone with disabilities in your life? Get them covered today with FWD SpecialMed 2!

​Image owned by FWD 

FWD Takaful has made paying for medical bills a breeze with its cashless takaful system. 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. You even get to choose between full coverage or deductible options, giving you the power to tailor your plan to fit your budget and your needs.

FWD SpecialMed 2 is a uniquely tailored medical plan for people with disabilities. Apply now.

The benefit(s) payable under eligible product is(are) protected by PIDM up to limits. Please refer to PIDM’s TIPS Brochure or contact FWD Takaful or PIDM (visit www.pidm.gov.my).

Written By DoctorOnCall Panel Doctor, DoctorOnCall Panel Doctors are certified and registered with KKM with vast experience in medical field. on

Reviewed By DoctorOnCall Panel Doctor

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