FAQ
b. Covers major hospitals
c. An initial annual limit of RM1,000,000; with additional RM200,000 additional limit for every subsequent year of being an active sharer.
d. Four bedroom or maximum RM150 per night
e. Bereavement payment
f. Healthy lifestyle education leading to lower medical costs
Kindly refer to program guideline.
Gather Care is used for two broad purposes:
a) Affordability
The administrator does not make money from sharers. This non-profit program ensures that no premium or other payment will be collected and gained from sharers. This means that sharers contribute only to the sharing of eligible medical expenses and the annual participation fee of this program.
b) Sharers are committed to living a healthy life
This program emphasizes the concept of shared responsibility; sharers are encouraged to reduce the shared financial burden of the group as a whole. This creates an incentive for sharers to make responsible and cost-effective choices in healthcare and to live a healthy lifestyle. Health and a cost-conscious community will tend to have fewer medical incidents and better quality of health, which in turn leads to lower healthcare costs.
- Obtain referral letter from clinic
- Sharer arrives at any e-Mas Panel Hospital
- Doctor confirms admission is needed
- Present NRIC / GatherCare Virtual ID (app) to the admission counter
- Hospital contacts e-Mas to verifies legit case for approval. e-Mas will then issues an initial guarantee letter
- Obtain medical treatment and discharge from hospital
Your medical bill will be reviewed and audited by our Professional Medical Auditor (TPA) – if there were non-eligible medical expenses, these costs will be paid by you personally.
Program Guideline, Section 5:
In addition, you are committed to pay the monthly crowd share amount with a limit of RM50. Assuming if there were admissions by sharers, Gathercare will pay for the bill first then the total eligible medical expenses will be crowd shared by all active sharers. If there was no admission for the month, then there is no need to crowd share for that month. The sharing deposit is determined as two times the monthly share pledge limit. Gather Care reserves the right to revise the amount.
If at any one point the sharing deposit is lower than the monthly share pledge limit, the sharer’s payment card shall be debited with an amount required.
Please refer to program guideline section 3.5 and 3.6.
A sharer who has previously withdrawn from the program, may re-join the program by signing up again by Applicant:
Sign-up as a new sharer. Each Rejoin Sharer shall observe waiting period again.
A sharer who has previously been disqualified from the program, may apply to re-join the program subject to the approval of the administrator which will be granted on a case-by-case basis, and on such reasonable terms and conditions that may be imposed by the administrator.
Will the sharer be refunded for the money that they put in but never claimed?
No. Sharers come together to share each other’s medical expenses, not simply as a matter of convenience or cost savings, but because they are driven by their conscience to support, care, and help each other during times of crises. The sharer can withdraw anytime by pressing the withdraw button in the system. He/she will not get the refund of the annual participant fee in the period the crowd share he/she chose to terminate. The balance of the sharing deposit will be refunded from trustee to him/her after that.
A total of RM360 Annual Participation Fee and RM100 Sharing Deposit will be collected and the breakdown details as below:
• RM160 Annual Participation Fee + RM100 Sharing Deposit + RM2.99 Payment gateway charges = RM262.99 (Initial payment)
• Balance RM200 Annual Participation Fee after 30 days of initial sign up cost paid. RM200 is second payment.
For example: Say that the total medical bills for the period is RM200,000, and it will be divided by the total active sharers of 10,000 people. Hence, the specific monthly crowd share amount per sharer is only RM20. In the event where the total specific monthly share amount is more than the monthly share pledge limit (crowd share amount limit) of RM50, the specific monthly share amount shall be capped at RM50. Now let’s say that the total medical bills for the period is RM600,000, with an active sharer base of 10,000 people. The specific monthly crowd share amount per share is RM60. However, the specific monthly share amount shall be capped at RM50. Then the RM10 will be carried forward to next crowd share.
If there was no admission for the month, then there is no need to crowd share for that month.
(i) Minimum Sharing Amount.
Once accepted and approved by PMA, all eligible medical expenses will be eligible for sharing. No minimum is set at this point.
(ii) Annual Sharing Limit
An initial annual limit of RM1,000,000; with additional RM200,000 additional limit for every subsequent year of being an active sharer.
(iii) Lifetime Sharing Limit
Per Annual Limit
What Sharers get in return is:
a. A strong community.
b. A community marching towards better lifestyles and health
c. A community power to generate revenue together to lower medical costs and better rebates. We get our life back, the best investment return that one can have.
There are 2 scenario:
i.) Emergency Cases
When our Sharer admitted to hospital, the panel hospital will send sharer medical report to TPA (e-mas) for evaluations, within 30 minutes the GL (Guarantee Letter) will be issue by PMA (e-MAS).
ii.) Non-Emergency Case
The Panel hospital will be send sharer’s medical report to our TPA. TPA will evaluate and GL (Guarantee Letter) approval will be issued within 3-7 working days.
There are few scenarios and issue could be happened for the payment error:
i. If there is insufficient amount in the bank account, the payment cannot be done successfully.
ii. If the bank card is not registered for the mobile number to receive the OTP number or TAC code means the transaction won’t be successful. Kindly contact your bank for further clarification.
iii. The bank card might be blocked by the bank side.
a. We don’t collect a premium upfront and every month
b. You share actual medical costs incurred with others active sharers
c. We don’t add additional costs to the amount of the crowd share
d. Your commitment is kept safe with an appointed Trustee
e. Risks are shared by all Sharers
a. Must be a Malaysian
b. Aged 14 days old to 45 years old
c. Currently healthy and active
d. Honest community player
e. Pass the underwriting questions
Gather Care may gradually expand the age limit of this program to include those aged outsides of that range, and they may be subject to a different multiplication factor on monthly crowd share amounts, which would be reflective of their respective health risk due to age. For this guideline, age is defined as “Age last birthday”
i.e. the person’s age at a particular time followed by the last birthday.
For example:
If a person whose birthday falls on 12/03/1983, his age would be 34 from the date 01/01/2018 to 11/03/2018, but he would be 35 after 12/03/2018.