Individual
The Community Medical Cost-Sharing that gives you everything
These listed benefits are all yours, all for a monthly Sharing Deposit deduction below MYR50, or perhaps none at all.
How Sharing Deposit works?
This is the major differentiation between Crowd Sharing based Medical Protection and conventional insurance/takaful/medical card. There's 'NO Premium' in Gathercare, but we set a fund pool from which the money is used to pay for members' (Carers') medical bills.
*Sharing deposit of MYR100
This is the Sharing Deposit contributed by individual Carer
Example below is referring to 1,000 Carers with age group between 6 - 40 years old
01
When Carer(s) Hospitalized (E.g: MYR10,000)
Total hospital bills incurred in a month for treatments assumed to be E.g: MYR10,000
02
Each Carer shares MYR10 only
MYR10,000 to be spread among 1,000 Carers and we will deduct MYR10 from every Carer's Sharing Deposit to fund the Medical bills.
03
Sharing Deposit Balance MYR90
Your Sharing Deposit balance after deduction. It's that simple!
When do I need to Top-up?
What if Crowd Share amount in a month exceeds the Maximum Cap amount?
Did we mention that you only share at most MYR50 a month?
Example below is referring to age group between 6 - 40 years old
01
When Carer(s) Hospitalized (E.g: MYR60,000)
Total hospital bills incurred in a month for treatment assumed to be E.g: MYR60,000
02
Each Carer shares MYR50 only
MYR50,000 to be spread among 1,000 Carers and we will deduct MYR50 from Carer Sharing Deposit to pay the Medical bills and the remaining MYR10,000 will be carried forward to next month
03
MYR10,000 Carried forward
Carried Forward of MYR10,000 to be spread among 1,000 Carers and we will deduct MYR10 from every Carer's Sharing Deposit to pay for current month Medical bills.
What if "NO" Carer hospitalized within the month?
You help others while you get protected yourself
Am I Eligible to Join?
You are eligible if you fulfill all four requirements stated below
For Malaysian Only
This Program is open to any individual Malaysian of any race and ethnicity who are residing in Malaysia. However, only Medical Expenses incurred in Malaysia and provided by or under the direction of a Panel Hospital are eligible for sharing under this Program.
Age Groups
This Program is available to healthy individual aged between 14 days and up to 40 years old. Gathercare does gradually expand the age limit of this Program from time to time to include wider age groups subject to the different ratio of Monthly Care Pledge that reflects their respective health risk due to age.
Currently Healthy & Active
A person’s health status may affect on his eligibility to join this Program. A person is required to disclose any Pre-Existing Condition to Gathercare during the signing up process. This is a crucial part that needs serious attention for any newcomer, to prevent frustrations of cases being rejected in the future
Honest Community Player
Carers are required to make a list of declarations about their health condition and lifestyle as well as fully understand the core principles of the Program or face immediate disqualification, This is to ensure all Carers share the same spirit of connecting individuals who are passionate about improving the way the community lives by sharing each other’s burden and caring about each other’s well being particularly in the area of healthcare.
How long is the Waiting Period?
Within 60 Days from Registration Date
MYR 20,000 for personal accident medical protection only
61 - 180 Days from Registration Date
MYR 2,000,000 Admission to the hospital for below listed circumstances only
applied to Dengue Fever, Accidental Injury, Flu, Fever, Gastritis, Fractures, Cuts
applied to Dengue Fever, Accidental Injury, Flu, Fever, Gastritis, Fractures, Cuts
After 180 Days from Registration Date
(A) MYR 300,000 Cancer Treatment Expenses
(1) Covering electrotherapy and chemotherapy radiotherapy, consultant fees, and other related fees.
(B) MYR 2,000,000 Admission Treatment Costs for All below listed circumstances only
(1) Hypertension, diabetes and cardiovascular disease;
(2) Any type , including tumors, cancers, cysts, nodules, and polyps;
(3) Stones in the urinary system and biliary system;
(4) Any disease related to the ears, nose (including sinuses) or throat;
(5) Hernia, hermorrhoids, fistula, hydrocele, or varicocele;
(6) Any disease related to the reproductive system including endometriosis;
(7) Any spinal disease (including herniated disc) or any knee joint disease;
(8) Serious illness including stoke, heart attack, kidney failure, cancer, coronary artery by-pass surgery, serious coronary artery disease, angioplasty and other invasive treatments for coronary artery disease, end-stage liver failure, fulminant viral hepatitides, coma, benign brain tumour, paralysis of limbs, blindness, deafness, third degree burns, HIV in fection due to blood transfusion, occupationally acquired human Immunodeficiency virus (HIV) infection, full-blown AIDS, end-stage lung disease, encephalitis major organ / bone marrow transplant, loss of speech, brain surgery, heart valve surgery, terminal illness, loss of independent existence, bacterial meningitis, major head trauma, chronic aplastic anaemia, motor neuron disease, Parkinson’s Disease, Alzheimer's Disease / Severe Dementia, Muscular Dystrophy, Surgery to Aorta, Multiple Sclerosis, Primary Pulmonary Arterial Hypertension, Medullary Cystic Disease, Cardiomyopathy, Systemic Lupus Erythematosus with Severe Kidney Complications
(9) Coverage for organ transplants.
(1) Covering electrotherapy and chemotherapy radiotherapy, consultant fees, and other related fees.
(B) MYR 2,000,000 Admission Treatment Costs for All below listed circumstances only
(1) Hypertension, diabetes and cardiovascular disease;
(2) Any type , including tumors, cancers, cysts, nodules, and polyps;
(3) Stones in the urinary system and biliary system;
(4) Any disease related to the ears, nose (including sinuses) or throat;
(5) Hernia, hermorrhoids, fistula, hydrocele, or varicocele;
(6) Any disease related to the reproductive system including endometriosis;
(7) Any spinal disease (including herniated disc) or any knee joint disease;
(8) Serious illness including stoke, heart attack, kidney failure, cancer, coronary artery by-pass surgery, serious coronary artery disease, angioplasty and other invasive treatments for coronary artery disease, end-stage liver failure, fulminant viral hepatitides, coma, benign brain tumour, paralysis of limbs, blindness, deafness, third degree burns, HIV in fection due to blood transfusion, occupationally acquired human Immunodeficiency virus (HIV) infection, full-blown AIDS, end-stage lung disease, encephalitis major organ / bone marrow transplant, loss of speech, brain surgery, heart valve surgery, terminal illness, loss of independent existence, bacterial meningitis, major head trauma, chronic aplastic anaemia, motor neuron disease, Parkinson’s Disease, Alzheimer's Disease / Severe Dementia, Muscular Dystrophy, Surgery to Aorta, Multiple Sclerosis, Primary Pulmonary Arterial Hypertension, Medullary Cystic Disease, Cardiomyopathy, Systemic Lupus Erythematosus with Severe Kidney Complications
(9) Coverage for organ transplants.
