How it works
Hospital Admission Guideline
* For non-emergency cases, please allow our Medical Auditor (eMas) a duration of 3 - 5 working days for investigation. This is to safeguard the interest of all Gather Care sharers in ensuring only legit cases passed for crowd sharing. * For emergency cases, 30 minutes to 1 hour waiting period is required before admission. * All sharers are required to obtain the guarantee letter before admitting into the hospital. If any sharer is admitted without the guarantee letter, sharer should bear the risk of paying the medical cost ownself unless it is a legitimate emergency cases.
STEP 1 Obtain the referral letter from Clinic
STEP 2 Sharer arrives at an eMAS Panel Hospital
STEP 3 Doctor confirms admission is needed
STEP 4 Call to inform eMAS
STEP 5 Present NRIC & LE virtual ID (app) to the admission counter
STEP 6 1. Hospital contacts eMAS 2. eMas verifies legit cases for approval 3. eMAS issues initial guarantee letter
STEP 7 Obtain medical treatment
Sharing Deposit Concept The distinct feature of medical protection by Life Engineering is the lack of fixed monthly premiums. We achieve this by implementing the Sharing Deposit Concept. So how does it work?
Every Sharer puts in RM 100 into their own sharing deposit
+ RM 100 Sharing Deposit
Example
e.g. 1,000 sharers RM 100 x number of sharers RM 100 x 1,000 sharers
= RM 100,000 Available Sharing Deposits keep inside a Trustee's account
Crowd Sharing Cost
Total medical bill of total sharers who are hospitalized in one particular month
e.g: RM 60,000
e.g: 1,000 sharers RM 60,000 / 1,000 = RM 60
will be deducted from every sharer's sharing deposit Maximum monthy sharing deposit deduction is capped at
RM 50
Current month (Day 24th)
Following month (Day 24th)
RM 100 Initial sharing deposit amount
RM 50 New sharing deposit balance after deduction
RM 100 New sharing deposit amount
Following month (Day 24th)
RM 90 New sharing deposit balance after deduction
Total sharing deposit deduction per sharer for two consecutive months = RM 60
When do I need to top up?
First Month
If monthly average medical expenses crowd share for each sharer is RM 0
* Auto top-up of Sharing Deposit back to RM 100 will be triggered when Sharing Deposit balance is RM 50 or less Since the Sharing Deposit balance is RM 100 (Which is more than RM 50), no Top-up will required
Second Month
If monthly average medical expenses crowd share for each sharer is RM 45.50
* Auto top-up of Sharing Deposit back to RM 100 will be triggered when Sharing Deposit balance is RM 50 or less Since the Sharing Deposit balance is RM 54.50 (Which is more than RM 50), no Top-up will required
Third Month
If monthly average medical expenses crowd share for each sharer is RM 32.30
* Auto top-up of Sharing Deposit back to RM 100 will be triggered when Sharing Deposit balance is RM 50 or less Since the Sharing Deposit balance is RM 22.20 (Which is less than RM 50), top-up is required
RM 77.80 Top up RM 77.80 into Sharing Deposit
* Sharing Deposit maximum limit is RM 100 * Auto Top-up will be triggered when Sharing Deposit blance left RM 50.00 or below * MOLPay processing fees not included * GST not included