📢 Account Status & Sharing Deposit Enhancement
Effective Date: 25th July 2026
Dear Carer,
As part of our ongoing commitment to improving your Gathercare experience, we will be introducing an enhancement on the Account Status and Sharing Deposit mechanism effective 25 July 2026.
The purpose of this enhancement is to simplify account status tracking and make it easier for carers to understand sharing deposit balance, payment obligations, and Crowd Share participation eligibility.
💡 Why Are We Making This Enhancement?
Over the years, we have received many enquiries from carers regarding their account status, Sharing Deposit balance, and top-up requirements.
Some of the most common questions include:
“Why is my top-up RM80 when monthly Crowd Share is only RM50 (6-40 yrs old)?”
“How much Sharing Deposit balance do I have remaining? Am I still eligible for coverage?”
“I find it difficult to check my payment deduction history for my carer account.”
“What is Penalty/Repayment for?”
To address these concerns, Gathercare has decided to enhance Account Status & Sharing Deposit system which designed to provide clearer account status progression, improved visibility of Sharing Deposit balances, a simpler Sharing Deposit mechanism, and a more transparent experience for all carers.
As part of this enhancement, account status definitions, eligibility for Crowd Share participation, Sharing Deposit top-up requirements, and account reactivation procedures will be different and updated accordingly.
Please review the information below to understand how this enhancement may affect your membership and account management moving forward.
Carer Account Status Definitions
🟢 Active
Sharing Deposit Wallet maintains Full Sharing Deposit amount.
✅ Eligible for Crowd Share participation
✅ Eligible for medical coverage and program benefits
Examples for Sharing Deposit Balance:
• RM100 / RM100 (age group 6 - 40 y/o, non-smoker)
• RM160 / RM160 (age group 15 days – 5 y/o, non-smoker)
🟡 Pending Top-up
Sharing Deposit balance is lower than the Full Sharing Deposit amount after a Crowd Share cycle deduction.
✅ Eligible for Crowd Share participation
✅ Eligible for medical coverage and program benefits
Examples for Sharing Deposit Balance:
• RM60 / RM100 (age group 6 - 40 y/o, non-smoker)
• RM100 / RM160 (age group 15 days – 5 y/o, non-smoker)
❗Action Required: Top up the Sharing Deposit balance to the Full Sharing Deposit amount before the next Crowd Share cycle.
⚠️ Note: Pending Top-up status is no longer determined by Sharing Deposit balance falls below 50% of the Full Sharing Deposit amount.
🔵 Frozen
Failed to complete the required Sharing Deposit top-up and/or membership fee (annual fee) renewal before the next Crowd Share cycle.
❌ Not eligible for Crowd Share participation
❌ Medical coverage and program benefits are temporarily suspended
✅ A 30-day Waiting Period will apply after the account reactivated from Frozen status
Examples for Sharing Deposit Balance:
• RM20 / RM100 (age group 6 - 40 y/o, non-smoker)
• RM30 / RM160 (age group 15 days – 5 y/o, non-smoker)
❗Action Required: Top up the Sharing Deposit balance to the Full Sharing Deposit amount and/or membership fee (annual fee) renewal before the next Crowd Share cycle.
⚠️ Note: No Penalty / Repayment will be required as the account had already participated in Crowd Share cycle during the Pending Top-up status.
⚫ Closed
Low Sharing Deposit balance remains unresolved, and the carer has missed Crowd Share participation and/or failed to renew the membership fee (annual fee) during Frozen status.
❌ Medical coverage and program benefits remain suspended
❌ Crowd Share participation is suspended until reactivation
❗Action Required: Reactivation from a Closed account requires a ticket support request and is subject to approval.
Example Account Status Flow
· Scenario 1 (age group 6 - 40 y/o, non-smoker)
· Scenario 2 (age group 6 - 40 y/o, non-smoker)
· Scenario 3 (age group 6 - 40 y/o, non-smoker)
Terms & Conditions
This enhancement applies to all age groups and membership categories, with the required Full Sharing Deposit amount determined based on the applicable age group and smoking status (smoker or non-smoker).
Pending Top-up accounts is eligible for Crowd share participation.
Reactivation of Frozen accounts requires restoration of Full Sharing Deposit only. No Frozen Penalty/Repayment shall be imposed.
A 30-day Waiting Period shall apply after reactivation from Frozen.
Reactivation of Closed accounts shall continue to be processed via ticket request, following the current operational practice, until a systematic reactivation process is developed and implemented.
Waiting Period rules shall follow existing Gathercare Program Guidelines.
Pending Annual Fee status shall follow existing Gathercare Program Guidelines.
Gathercare reserves the right to amend or modify this enhancement and/or revise the information.
Frequently Asked Questions (FAQ)
1. Do I need to top up my Sharing Deposit after every Crowd Share deduction?
Yes. To maintain an Active account status, carers are required to top up their Sharing Deposit balance back to the Full Sharing Deposit amount after every Crowd Share deduction. This also helps carers better track their account balance, payment history, and top-up requirements.
2. Can Pending Top-up accounts participate in Crowd Share?
Yes. Pending Top-up accounts is eligible for Crowd Share participation.
3. Is there still a Frozen Penalty/Repayment?
No. Frozen accounts only need to restore their Sharing Deposit balance to the required Full Sharing Deposit amount or/and renew overdue Annual Fee in order to reactivate the account.
4. What happens after I reactivate a Frozen account?
Your account will return to Active status. A 30-day Waiting Period will apply following reactivation.
5. Does this enhancement apply to all carers?
Yes. The enhancement applies to all carers. The required Full Sharing Deposit amount is equivalent to two (2) times of the Maximum Cost Share amount, based on the applicable age group and smoking status.