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Cashless Admission Process

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Hospital Cashless Admission Process

At Gathercare, we are always finding simplified ways for our Community to have a seamless cashless hospital admission to avoid the long waiting time at hospitals. As part of our Community, you not only can recuperate without having to worry about the hassle of payment, but our Community Crowd Sharing Mechanism will also assure your peace of mind during your stay.


Our Truly Cashless Admission Feature is available in the following two situations :

Planned Admission

A planned admission refers to a scheduled inpatient hospital stay based on recommendations from the patient's doctor for specialized treatment. Prior to being admitted, Carer must obtain a Referral Letter from the panel clinic.

  1. Call Gathercare at +60 12-293 4989 for Admission Enquiries and Support.


  2. Referral Letter from panel clinic.


  3. Gathercare Admission Team will follow up with our partner Professional Medical Auditor, IHP, if patient request for Professional Second Opinion/ Medical Advice/ Panel Hospital and Specialist Recommendation within 48 Hours of Initial Call.

  1. Nationwide panel hospital, for more information please visit https://gathercare.com/panel-hospital/.


  2. Patient MUST obtain Referral Letter from panel clinic before the Hospital Admission in the case of Non-Emergency (Planned Admission), otherwise our Medical Partner, IHP, may not provide Financial Guarantee and issue Initial Guarantee Letter (IGL). In such cases, patient will subject on Self-Pay during Admission Registration and will require to pay a deposit which is usually 80% of the estimated hospitalization cost in advanced.


  3. Patient Charter:

    • Know your doctor.

    • Ask for second opinions.

    • Always ask your doctor if surgery can be avoided.


  4. Gathercare Admission Team will follow up with our partner Professional Medical Auditor, IHP, if patient requests for professional second opinion / medical advice / panel hospital and specialist recommendation within 48 hours of initial call.

  1. Present your Identification Card (IC) or birth certificate (if below 12 years old) together with Gathercare Medical Card at the hospital registration counter.


  2. Hospital Admission Form (HAF) to be filled by hospital and treating doctor.


  3. Patient / Patient's guarantor to provide consent by signing HAF form.


  4. Hospital to contact our medical partner, IHP, to verify patient eligibility and entitlement.


  5. Our professional medical auditor partner, IHP's Medical Review Team (MRT), will perform diagnosis and treatment plan verifications to ensure appropriate billing and prevent over-servicing while receiving quality medical care treatments.


  6. IHP's Patient Administration Team (PAT) will pre-authorize and issue Initial Guarantee Letter (IGL) to hospital after MRT's approval. Several factors that MRT will consider include:

    • Gathercare Program Guidelines & Details

    • Pateint Medical History

    • Patient's Gender and Age

    • Diagnosis and Type of Treatment


  7. Our Medical Partner, IHP's Verification Process will take up to 2 hours subject to the number of patients waiting for admission and Hospital Response Time. If facing any delays, please contact Gathercare Admission Support Team at +60 12-293 4989.


  8. Patient Charter:

    • Make sure to know the treatment plan prior to giving consent.

    • Hospital may request for deposit as per hospital policy.

  1. With the IGL issued, patient can proceed for Admission and appropriate Treatments with their known and trusted Doctor.


  2. Gathercare Admission Team to follow up with patient to ensure a seamless experience throughout the Hospital Admission.


  3. Patient Charter:

    • Patients shall have the right to determine the doctor of his/her choice and the right to accept or refuse the procedure, investigation or treatment that has been proposed.

    • Patients have the right to a second medical opinion at any time.

    • Patients shall be treated with care, consideration, respect and dignity without any discrimination.

  1. Patient has recovered and Doctor approved for Discharge.


  2. Hospital prepares Itemized Bill, Medical Reports and All Relevant Documents send to our Professional Medical Auditor Partner, IHP for Verification Purpose and Request for Final Guarantee Letter (FGL).


  3. After receiving Complete Discharge Documentation from Hospital, IHP will calculate the Excess Amount and ensure no double billing for unnecessary charges before issue the Excess Notice to Hospital.


  4. Patient pays for Excess and ready to go back home.


  5. Our Medical Partner, IHP's Bill Review Process will take up to 1 hour subject to the Hospital Response Time. If facing any delays, please contact Gathercare Admission Support Team at +60 12-293 4989.

  1. IHP issued Final Guarantee Letter (FGL) to Hospital within 3 Working Days and subject to the Response Time from Hospital and Case Complexity after patient Discharge.


  2. Further Investigations (if any) will carry on by IHP's MRT and Gathercare Admission Team to ensure the Crowd Sharing is Equal, Fair and Transparent to all Gathercare's Community Members.


  3. Gathercare Admission Team will prepare the documents to be processed and approved by our Legal-Appointed Trustee, Ong and Manecksha Advocates & Solicitors to utilize Gathercare Community's Risk-Sharing Trustee Fund (RSTF) for Crowd Sharing at every 24th of Calendar Month.


  4. Gathercare includes and publishes the Admission Case at the Monthly Community Report.

Emergency Admission

An Emergency Admission is when an unfortunate situation occurs and a patient is brought into the hospital due to an acute condition or accident and requires immediate medical attention or admission. In most cases, Patient will proceed to Emergency Unit directly.

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  1. For Emergency & Accident conditions, Patient is urged to admit hospital at near and to receive necessary treatments.


  2. If Patient requires emergency aids, please dial 999 for ambulance service and aids supports.


  3. Refers the following link for Private Ground Ambulance Services: https://gathercare.com/panel-hospital/.

  1. Patient/ Patient's Spouse to contact Gathercare Admission Team at 1700-817-884 if the situation is under control to receives Full Admission Support from Gathercare and its Medical Partner, IHP.


  2. Contact Gathercare Admission Team in advanced to transfer to another Hospital/ Medical Facility.

  1. There could be situations where the Hospital Admission Form (HAF) is not yet signed by Patient / Patient Spouse; therefore, the hospital is unable to submit to our Medical Partner, IHP and request for an Initial Guarantee Letter (IGL) as Planned Admission. In this instance, the hospital would then request for a deposit in advanced and consider as Self-Pay.


  2. For any such Self-Pay incidents due to Treatment Urgency or Admission to Government Hospital, Gathercare will arrange for reimbursement during or after Patient Discharge.


  3. In this case, patient will require to collect and prepare all relevant Admission Documents, including but not limited to Itemized Bills, Medical Reports, Hospital Admission Form following by the requests and instructions from Gathercare Admission Team.

  1. Gathercare Admission Team will prepare the documents to be processed and approved by our Legal-Appointed Trustee, Ong and Manecksha Advocates & Solicitors to utilize Gathercare Community's Risk-Sharing Trustee Fund (RSTF) for Crowd Sharing at every 24th of Calendar Month.


  2. Gathercare includes and publishes the Admission Case at the Monthly Community Report.

Hospital Deposit Requirements

All private hospitals in Malaysia require patients to provide a financial guarantee before admission, therefore a deposit is needed.

80% Estimated

For patients who are on self-pay, the deposit is usually 80% of the estimated hospitalisation cost. Patient is subject to Self-Pay and Reimbursement Method only if admitted Government Hospital.

RM300 - RM600

For patients admitted with Guarantee Letters, this deposit would range lower and be between RM300 to RM600, depending on the hospital's protocols.

No Deposit Required

IHP has pre-existing arrangements with the Selected Panel Hospitals where they would not ask for a deposit if the Initial Guarantee Letter has been approved during admission.

Guarantee Letter (GL) Facilities

A Guarantee Letter is a letter of assurance that is offered by our TPA Partner, IHP to the hospital confirming that the cost of treatment for the patient will be taken care of by Gathercare Community’s Risk-Sharing Trust Fund (RSTF). This means that the patients no need to pay for their hospital expenses upfront and Gathercare will cover the eligible expenses via monthly crowdshare while IHP make direct-payments to the hospital.

Initial Guarantee Letter (IGL)

If Gathercare's Program Guidelines and its terms and benefits are sufficient to cover the hospitalisation expenses, IHP will pre-authorise the claim by issuing an Initial Guarantee Letter to the hospital before receiving plan treatments.

Final Guarantee Letter (FGL)

In most common cases the actual cost of hospital expenses that are payable by Gathercare will be detailed in the Final Guarantee Letter before or sometimes after a patient is discharged subject to the case complexity.