In Malaysia, medical cost is on the rise. According to the Life Insurance Association of Malaysia (LIAM), the cost of healthcare is expected to increase at a rate of 15% a year. Thus, the question is no longer whether one has medical insurance or not. The real issue, however, is on what and how much […]
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What is Life Engineering?
About Life Engineering
Life Engineering is a trusted platform that crowd shares medical fees to reduce rising medical costs in our society, and help cover your hospitalization fees when you need it the most! We are not an insurance agency, we’re agents of philanthropy—driven by conscience, not just the need to save exorbitant healthcare costs nor find convenience.
With more conscience-led individuals like YOU getting onboard Life Engineering to help each other, we truly believe we can engineer a better future together and save more lives.
Benefits of being a Life Engineer
Affordable Alternative Healthcare Solution
With less than RM50* per month, your medical bills are covered. No additional charges, commission or administration fees will be charged! * Smokers commit 1.2 times the usual payment amount.
More Than 200 Panel Hospitals
We cover all major hospitals in Malaysia, including 86 private hospitals and 135 public or government hospitals. Get medical assistance, no matter where you are in Malaysia.
No Lifetime Limit
Life is unexpected and no one can predict the time and frequency of illness. This is why we place NO Annual nor Lifetime Limit for your crowd-shared hospitalization bills.
Bereavement Payment
RM50,000 Bereavement Payment will be crowd shared among Life Engineering sharers upon the passing of a member, and credited into your nominee’s account.
Your Commitment Is Safe
We DO NOT hold your money. Rest assured, your commitment is kept safe in a Trustee account managed by an established trustee services company.
Professional Verification of Bills
All hospital bills will be processed, audited and approved by our partner Professional Medical Auditor, e-MAS, for efficient medical assistance in your time of need.
We Pay For You First
As soon as you are hospitalized, Life Engineering will fork out the money first to cover your medical expenses, when discharged only reimburse the cost from crowd sharing pool kept at Appointed Global Trustee.
Get a Professional Second Opinion
Get the additional support of a professional second opinion from our partner Professional Medical Auditor, EMAS, via email (response assured within 48 hours).
Crowd Share Nothing If All Is Well!
Say all Life Engineering members remain in good shape and no one falls sick all month. This means RM0 crowd share commitment for the month!
Get your Medical cost sharing for Lifetime
We crowd share your medical bills for lifetime with no age limit, as long as you are an eligible sharer when you sign up Life Engineering Program.
Share To Help Reduce Costs
By crowd sharing, we can collectively reduce rising (if not, exorbitant!) medical costs, and help others gain better access to medical care.
Compassionate Crowd Sharing
(Coming Soon)
Life Engineering provides a platform for patients who need medical treatment even when he or she is not eligible to crowd share the medical bills in the Program according to Life Engineering’s Program Guidelines. Sharers can volunteer to crowd share the medical cost for the patient.
30% Rebate (Coming Soon)
30% of our advertisement revenues will be allocated to Life Engineering’s Crowd Sharing Pool in order to reduce the community’s burden of paying medical bills
Sharer & Sponsor
You can be one of our sharers and at the same time can bring in your family members to the program via our sponsoring program. When you sponsor your family members, you are responsible for their monthly crowd share amount. They become part of our Life Engineering community and can enjoy the same Life Engineering benefits as a sharers. Join us, and be a sharer and a sponsor today!
Sponsor Only
If you are not eligible to join this program, you can sponsor your family members and love ones as a gift of love. Sponsoring means you invite your son, daughter, grand children, niece, nephew or uncle to join the program; and you pay for their monthly crowd share amount. Your family members can enjoy the benefits of Life Engineering program. Your family members may not have reached legal age (<18 years old) or they may not be financially capable to join Life Engineering program. In this situation, you can sponsor and help your love ones by paying for them.
Contribution Rate
Crowd Share Limit Less Than RM50 (or RM0) per month*
Less than RM50* per month, you can enjoy unlimited medical fees coverage, help others in need, and receive a host of other great benefits!
Crowd Share Nothing If All Is Well
Life Engineering, a crowd sharing app developed to raise funds for medical fees, aims to sign up 20,000 subscribers or “sharers” by year-end.
Life Engineering, Malaysia’s first crowd sharing app for medical funding, aims to provide an alternative for Malaysians to traditional.