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What is FWD Kasih?

FWD Takaful Berhad is committed to extending takaful protection to the most vulnerable individuals in the community. In line with this commitment, FWD Takaful Berhad has introduced FWD Kasih, an online micro-Takaful plan specially designed for individuals in the B40 group, aiming to alleviate their financial burdens during unforeseen situations.

The FWD Kasih product complies with Syariah principles, specifically incorporating the concepts of Wakalah, Tabarru', Ju'alah, and Qard. Wakalah refers to a contract where the participant appoints a Takaful Operator to manage the Participant's Risk Fund and agrees to give a certain remuneration to the Takaful Operator as agreed upon for the services provided. Tabarru’ means a donation for the purpose of takaful. Ju’alah represents a reward given to the Takaful Operator for good performance in the management of the Participant's Risk Fund. Qard arises when the Participant's Risk Fund has a deficit, and an interest-free loan is offered with the loan being repaid from future surpluses from the Participant's Risk Fund.

COVERAGE PLAN

PLAN A

Monthly payment as low as RM2.03 or RM2.54 per month according to gender and age
Death benefit reaches RM 10,000 (2x if dies due to an accident)
Total and Permanent Disability (TPD) benefit of RM10,000

PLAN B

Monthly payment as low as RM4.05 or RM5.08 per month according to gender and age
Death benefit reaches RM 20,000 (2x if dies due to an accident)
Total and Permanent Disability (TPD) benefit of RM20,000

PLAN C

Monthly payment as low as RM6.08 or RM7.63 per month according to gender and age
Death benefit reaches RM 30,000 (2x if dies due to an accident)
Total and Permanent Disability (TPD) benefit of RM30,000

PLAN D

Monthly payment as low as RM8.10 or RM10.17 per month according to gender and age
Death benefit reaches RM 40,000 (2x if dies due to an accident)
Total and Permanent Disability (TPD) benefit of RM40,000

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What are the benefits？

FWD Kasih offers various benefits including death benefit, Total and Permanent Disability (TPD), and accidental death benefits.

Death Benefit

FWD Kasih will pay 100% of the sum assured when the Covered Person dies due to natural causes.

Total and Permanent Disability (TPD) Benefit

FWD Kasih will pay 100% of the sum insured if Covered Person suffers total and permanent disability.

Accidental Death Benefits

FWD Kasih will pay 200% of the sum insured if the Covered Person dies due to an accident under accidental death benefits.

Charitable Death Benefit

FWD Kasih will pay RM3,000 when the Covered Person dies

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