Benefits of being a Sharer or a Dependant
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.
Access All From Your Smartphone
The first of its kind. Life Engineering Mobile App simplifies your hospital admission process. Not only that, see who you shared for in a month, track your sharing deposit balance, and easily refer to panel hospitals displayed according to the location nearest to you.
More Than 250 Panel Hospitals
We cover all major hospitals in Malaysia, including 117 private hospitals and 135 public or government hospitals. Get medical assistance, no matter where you are in Malaysia.
RM1 Million Sharing Limit
A sharer can put forth up to RM1 million medical costs for sharing in the first year of joining. Additional RM200,000 limit for each subsequent year. This limit will refresh annually.
RM5,000 bereavement payment in the event of untimely death, additional RM 1,000 for each subsequent year. This payment is crowd shared among sharers of Life Engineering. Upon the passing of a sharer, an amount of total bereavement payment will be credited to the account of his nominees.
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.
It will only get better from here on
Crowd Sharing Chemo&Radiotherapy
We strive to reduce the number of death by illnesses that is the direct result of high cost for sophisticated treatments, which many can’t afford. We will make these available once we gather enough support.
E-wallet Integration For Maximum Convenience
Planning for integration is already in the pipeline. We will collaborate with an established, Bank Negara approved E-Wallet service for all transactions within this program.
Coverage For Wider Age Groups
Gen Aplha, Millenials, Gen Y, Gen X, and Baby boomers… Life Engineering will provide coverage encompassing more age groups. We started with 8-40, and we’ve already moved to include 6 & 7 years old.
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
Compassionate Crowd Sharing
Have a good heart but not eligible to participate in the crowd share? The compassionate Crowd Sharing will open the door for those who still want to contribute even themselves aren’t very lucky to join as a Life Engineer.