The Gathercare Medical Cost Sharing Community is a low profit community, focused on serving the engaged healthcare consumer. Gathercare facilitates the direct sharing of medical costs among our participating Carers (the Community).

No. Insurance arrangements are a contract whereby one party agrees to be legally responsible for and accept another party’s risk of loss in exchange for a payment—a premium. Medical Cost Sharing is an arrangement whereby Members (Carer) agree to share medical expenses through an act of voluntary giving. The Gathercare MCS Community is not an insurance scheme and hence it does not fall within the purview of the Financial Services Act 2013 (FSA) and Islamic Financial Services Act 2013 (IFSA). Unlike insurance, the focus of the Gathercare Subscription Plan is on how our members help one another with their immediate needs.

No. Gathercare is not insurance, so Gathercare’s process differs significantly from insurance practices in this regard—to our Carers’ advantage. Traditional health insurance deductibles are cumulative over the course of a plan year. Co-payment is the portion of the medical expense owed by the patient. These insurance cost-shifting measures can amount to thousand ringgits in out-of-pocket costs to insurance policyholders annually. With Gathercare, when Carers incur an eligible medical expenses, that expenses will be shared among the MCS Community in principles of an Equal, Fair and Transparent Culture.

Because Gathercare’s Medical Cost Sharing subscription plan is not insurance there are no premiums nor insurance upfronts.

Yes. You can choose to have both if you wish, and you can choose to select whichever method to pay for your medical bills.

This program is not health insurance but an alternative healthcare option that is simple, affordable, and entirely funded by the Carers themselves. It is the most efficient and creative solution to the problems of escalating healthcare and medical costs and expensive health insurance policies. Through the use of technology, this program also offers simple and instant access to healthcare as compared to the tedious process of obtaining a traditional health insurance policy that is complex and restrictive.

No. Only when the Sharing Deposit falls under 50% or below, the Carer’s Credit/Debit card will be automatically debited with an amount required to bring the balance of the Sharing Deposit back to 100%.

There is no maximum limit to the amount that will be shared towards a specific medical need. However, Gathercare reserves the right to negotiate medical expenses with providers, and to prorate available sharing, as necessary, in order to address all Carer’s medical expenses.

Most medical expenses are eligible for sharing. There are, however, a number of types of medical expenses that are not eligible for sharing with the Gathercare Community or are limited in the amounts that the Community shares. Details of the medical expenses that are not shareable and other limitations can be found in the Community’s applicable Guidelines. As Gathercare is intended to share costs associated with larger and, unexpected illnesses and injuries, many expenses related to routine preventative care, prescriptions, cosmetic surgery, dental care, are generally not shareable. Additionally, medical expenses resulting from the use of illegal drugs, or while participating in unlawful activities are not shareable.

Unfortunately, people with Pre-Existing Health Conditions are not eligible to subscribe at this moment of time. However, Gathercare to assure there is no turn away for reasons of Pre-Existing Health Conditions in futures. Gathercare continues to put our best efforts on designing a special pathway to sharing medical expenses associated with a Pre-Existing Medical Condition. If you fall under this category, we sincerely hope that you can sign up for an Interest Form and Gathercare will get in touch with you in near future.

Unfortunately, Gathercare Subscription is Only open for All Malaysian Citizen at this moment of time. However, Gathercare to assure there is no turn away for reasons of Non-Malaysian Citizen in futures. Gathercare continues to put our best efforts on designing a special pathway to sharing medical expenses associated with Non-Malaysian Citizenship. If you fall under this category, we sincerely hope that you can sign up for an Interest Form and Gathercare will get in touch with you in near future.