About Life Engineering

We are a crowd sharing platform where sharers come together to share their medical bills within the Life Engineering community program. Crowd Care Sdn. Bhd. is the administrator of the program, and we have appointed a legal firm, Ong & Manecksha Advocates & Solicitors, to manage the sharers’ funds. We have also appointed e-MAS as our professional medical auditor to handle the entire hospitalization administration process. Sharers can choose from one of the 86 private hospitals and 135 public hospitals to seek approved medical help.

Last update on 3 July 2018

Sharers voluntarily commit to contribute their money (“share”) into a share pool to share the medical expenses of any sharer who is in need of medical treatment. The administrator coordinates the share to meet the eligible medical expenses on a monthly basis or any other suitable time intervals according to the program’s rules and regulations. It is important to note that the share pool does not belong to the administrator. It is held and managed by an appointed trustee who will administer the disbursement to the administrator as reimbursement.

Last update on 3 July 2018

We are different in many ways. We are not an insurance company; we don’t collect money upfront. And we don’t collect more than the necessary medical cost sharing. All money that is collected are used for medical cost sharing.

Last update on 3 July 2018

Why do you need to join the Life Engineering program?

We do not make money on of this medical cost sharing program. Sharers share actual medical costs plus only pay a small annual participation fee. If you are looking to manage your medical care costs effectively and at an affordable level, Life Engineering would be a good option. Your maximum contribution is capped at RM 50 per month. (*Smoker commit 1.2 times the usual crowd share amount)

Last update on 3 July 2018

This program is not health insurance but an alternative healthcare option that is simple, affordable, and entirely funded by the sharers 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.

Last update on 3 July 2018

Medical costs are rising each day, and we are more prone to becoming ill more often and at a younger age. We provide an alternative solution for people to address their rising medical costs by pooling together the right and like-minded people to join the Life Engineering community (become one of the sharers/life engineers) to crowd share their medical costs whenever some of them are hospitalized and require medical treatment.

Last update on 3 July 2018

  1. We don’t collect a premium upfront
  2. You share actual medical costs incurred with others active sharers
  3. We don’t add additional costs to the amount of the crowd share
  4. We pay on your behalf first, before claiming from the Trustee
  5. Your commitment is kept safe with an appointed Trustee
  6. Risks are shared by all Life Engineers

Last update on 3 July 2018

We made an arrangement with major hospitals in Malaysia through EMAS whereby they will allow sharer’s admission for hospitalization. As long as their hospital admission and medical bills meet the Program Guideline, The administrator will pay the medical bills first and only then gather all bills at the end of the month or a specified period to share amongst the community of sharers.

Last update on 3 July 2018

Eligibility to join Life Engineering program

  1. Must be a Malaysian
  2. Aged 8 to 40
    c. Currently healthy and active
    d. Honest community player
    e. Pass the underwriting questions

Life Engineering may gradually expand the age limit of this program to include those aged outside 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.

Last update on 3 July 2018

Yes. A person below the age of 18 (a dependent) can participate in this Program with the consent of their legal guardian such as parents, siblings, or relatives (who are not a dependent).

A guardian shall be registered as a sponsor and shall assume the financial responsibility for his or her dependents under this program. A dependent upon reaching the age of 19 will have the option to request the guardian/sponsor release him/herself and become an independent sharer who is responsible for his or her own crowd share commitment.

Last update on 3 July 2018

Recently, we are building up a healthy community. But unfortunately, due to your pre-existing condition, you are not eligible to become our Life Engineer. We sincerely hope that you can leave your full name, contact number, date of birth, and email address. Once Life Engineering has a new solution, we will get in touch with you.

Last update on 3 July 2018

Joining Life Engineering is strictly on a voluntarily basis. Life Engineering can be a good alternative in the event of need.

Last update on 3 July 2018

Of course. You can choose to have both if you wish, and you can choose to elect whichever method to pay for your medical bills.

Last update on 3 July 2018

Schedule of Benefits

  1. In-patient treatment and day surgery
  2. Covers major hospitals
  3. An initial annual limit of RM1,000,000; with additional RM200,000 additional limit for every
    subsequent year of being an active sharer.
  4. Four bedroom or maximum RM150 per night
  5. Bereavement payment
  6. Healthy lifestyle education leading to lower medical costs

Last update on 3 July 2018

We are a program predicated on the conscience and collective power of the community. Life Engineering covers most of the expenses, but there are some exclusions. We advise you to check with our Program Guideline to find out what items are covered under the Life Engineering Project to avoid any surprises.

Last update on 3 July 2018

Kindly refer to program guideline:

  1. Section 5.1 (Medical Expenses Eligible for Sharing)
  2. Section 5.2 (Non-Eligible Medical Expenses)

Last update on 3 July 2018

We have 135 of Government hospital & 86 of private hospital total of 221 panel hospital across the country including sabah & Sarawak.

https://www.lifeengineering.my/panel-hospital/
Attach a list of our panel hospitals to for your review.

Last update on 3 July 2018

Advantages of Life Engineering

Life Engineering is used for two broad purposes:

  1. 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.

  1. 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.

Last update on 3 July 2018

The administrator has also established a strategic partnership with an established and experienced third party Professional Medical Auditor (“PMA”) to administer the entire hospitalization and claim process for the program. This is to ensure that medical expenses are managed effectively, and that sharers get the best possible outcome in this program. Constant education on managing one’s health and medical costs will also be provided.

Unlike an insurance company, the administrative and operating costs of this program are kept to a minimum. More importantly, no agency fees are required to be paid out of this program, as the administrator makes use of the convenience of online channels and technology to administer and market this program to reduce costs.

Last update on 3 July 2018

A Professional Medical Auditor is our official partner for medical bills auditing called e-MAS (Eximius Medical Administration Solutions Sdn.Bhd ). It is an established Malaysian company providing comprehensive medical administration solutions and auditing, and it is administered by experienced senior healthcare professionals. The company handles the entire hospitalization plus bill evaluation and the verification process for our program, using cutting-edge technology, including “cashless hospitalization.”

Last update on 3 July 2018

No, you will continue to be a Lifetime LE sharer with the condition that you are not withdrawing and meeting the program guideline from the Life Engineering community.  

Last update on 3 July 2018

What is the step for hospital admission?

Not really. Let us explain how it works.

Your medical bill will be reviewed and audited by our Professional Medical Auditor (PMA) –  if there were non-eligible medical expenses, these costs will be paid by you personally.

Please refer to Program Guideline, Section 5:

https://www.lifeengineering.my/ProgramGuideline.pdf

In addition, you are committed to pay the monthly crowd share amount with a limit of RM50. Assuming if there were admissions by sharers, Life Engineering 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. Life Engineering 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.

Last update on 3 July 2018

What is the procedure for withdrawal/Re-join and Refund

A sharer shall be deemed to have voluntarily withdrawn him/herself from the program if he/she fails, refuses, omits, or neglects to contribute the specific monthly share amount to the share pool according to the Program Guideline. The date of such termination shall be the stipulated deadline where his specific monthly share amount is due (Terminated Date).

Last update on 3 July 2018

You can withdraw your program participation at any time by pressing the withdrawal button on our app. Upon confirmation of your withdrawal from the program, you remain responsible for your current monthly share of medical costs. Unutilized credit balances, if any, shall not be refunded for any reason whatsoever. We have the discretion to utilize the credits to meet the medical expenses and the operating expenses incurred in connection with this program.

Last update on 3 July 2018

A sharer who has previously withdrawn from the program, pursuant to Section 2.5, may re-join the program by signing up again via the app and is subject to the following:

Sign-up as a new sharer. Each Rejoin Sharer shall observe a period of 180 days (“Deferred Period”) from date of joining (upon payment of items mentioned in section 1.3.1 and Annual Participation Fee)

A sharer who has previously been disqualified from the program, pursuant to Section 2.6, 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.

Last update on 3 July 2018

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 app. 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.

Last update on 3 July 2018

What is the payment process and steps for signing up?

You have to pay a RM100 annual participation fee and RM100 sharing deposit for crowd sharing use later. For the processing of RM100 sharing deposit, you are required to bear the MOL payment gateway processing fee of 2.99 %, and it’s GST 0%.

Last update on 3 July 2018

(i) Once the system accepts your registration, no further approval is required. Unless you have declared yourself not a healthy person and have been diagnosed with certain pre-existing conditions and/or are currently on long-term medication. In that event we will require you to provide us with more information such as your medication history and your latest medical report. We shall forward it to our Professional Medical Auditor (PMA) for further evaluation.

(ii) I’m registered, but the app shows me that I was not in Life Engineering’s approved age range. Life Engineering’s current age range is from 8 to 40 years old. We are unable to process your enrollment at this time, but we do have plan to expand the age range in the future. We will publish any update of our policy change on our website and will keep you informed.

Last update on 3 July 2018

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.

Last update on 3 July 2018

If in the month there were admissions by sharers, Life Engineering 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.

Last update on 3 July 2018

No, you are not required to contribute to the specific monthly share amount during the deferred period.

Last update on 3 July 2018

Sharing beyond the ability of sharers to contribute, financial limits to sharing of eligible medical expenses are required to be in place to ensure a fair utilization of the share pool:

(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

Last update on 3 July 2018

What sharers get in return is:

  1. A strong community.
  1. A community marching towards better lifestyles and health
  1. 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.

Last update on 3 July 2018

There are no hidden costs. We only crowd share the exact bill amounts that are received from our panel hospital. Crowd share amounts range from RM0.00 to the maximum cap of RM50.00. (*Smoker commit 1.2 times the usual crowd share amount)

Last update on 3 July 2018

LE Guest

A LE Guest will have guest access to our system to observe our community development, participate in our communication and marketing AT NO COST, except cannot participate in the crowd sharing program. Only when you are ready, you can proceed to join as a Sharer/Sponsor.

Last update on 3 July 2018

  1. Must be a Malaysian
  2. Aged 18 and above (followed by the last birthday)
  3. Does not have to meet the health requirement as he/she is not a sharer.

Last update on 3 July 2018

Sponsor and Dependent

Many people want to participate in our Life Engineering program, but they are not eligible as they are not able to fulfill the Sharer’s requirements. And, many of them also want to share this wonderful program with their love ones. Hence, they can join as a sponsor.

Last update on 3 July 2018

  1. Must be a Malaysian
  2. Aged 18 and above (followed by the last birthday)
  3. Does not have to meet the health requirement as he/she is not a sharer.
  4. MUST add a Dependent in order to complete the registration as a Sponsor. Dependent above
    18 will receive SMS link for health declaration purpose.

Last update on 3 July 2018

Yes, as long as you are fulfill the Sharer’s requirements according to program guideline.

Last update on 3 July 2018

A LE sharer can become a sponsor, but must add at least a dependent in order to complete the

registration as a Sponsor.

Last update on 3 July 2018

Yes, he still eligible to become a sponsor.  A sponsor does not have to meet the health requirement as he or she is not a sharer.

Last update on 3 July 2018

A sponsor can add unlimited dependents under him/her.

Last update on 3 July 2018

Dependents also represent a sharer, so the age limit to join as a dependent is between 8 to 40

years old.

Last update on 3 July 2018

The dependent must be released and withdrawn first then only can the sponsor withdraw him or
herself. The sponsor and the dependent shall be responsible for the specific crowd share amount for
the period that he/she withdraws from the program.

E.g.: There are two scenarios: –

             i.) If the dependent’s age is below 18 years old, the sponsor can go to the dependent

profile and choose to withdraw them as they are deemed financially not capable of

funding themselves. When the withdrawal process is completed, the dependent will

be removed from the LE program.

             ii.) If the dependent’s age is above 18 years old, the sponsor can release a dependent

to become an independent sharer. A released dependent will remain a sharer, but

he or she is responsible for his specific monthly share amount commitment.

Next, they will be required to login to the system to perform the First Time Login as

an independent sharer if he or she has had no prior system access.

Last update on 3 July 2018

Yup, but there is a 1 time tokenization of RM1.01 with the MOLPAY payment gateway

Charges 2.99% + with GST 0% for tokenize the payment card in sponsor accounts but its

refundable.

Last update on 3 July 2018

Other Enquiries

All sharing deposits are kept with the trustee. Once individual sharing deposit falls below RM50, his credit/debit card will be debited to top the sharing deposit back to RM100. So, there will always be money unless there is no sharer in the system.

Last update on 3 July 2018

Contribution and sponsors from third parties including advertisements and other auxiliary revenues generated from this Program. It is the objective of this Program to further lower each Sharer’s financial commitment by engaging advertisers to advertise on the app platform. The right advertisers shall be engaged and to provide further information on suitable products and services to the Life Engineering Community. Part of the revenue generated from the advertisement shall be used to further lower the Specific Monthly Share Amount of each sharer. It is our vision to reach ZERO Specific Monthly Share Amount in some foreseeable future.

Last update on 3 July 2018

The Virtual ID is display inside the sharer profile in LE App/Website.

 

(refer to the figure 1.1)

Last update on 3 July 2018

YES. In general, sharers do not need to deal directly with eMAS. Hospital admin will handle both admission and discharge. However, in the event of dispute or queries with regards to hospital admission eligibility as well as final medical bills at discharge, sharers may contact eMAS directly.

Last update on 3 July 2018

Yes, it is safe. Also, this is one of requirement for registration and hospitalization usage. Each and every NRIC image which upload there is a “Life Engineering” watermark in white colour font at the left and side corner.

Last update on 3 July 2018

A : Bereavement Payment is the amount which Life Engineering will crowd share among the sharer will give to sharer family member once the sharer had passed away.

Last update on 3 July 2018

Each Sharer shall observe a period of 60 days (“Deferred Period”) from date of joining (upon payment of items mentioned in section 1.3.1 and Annual Participation Fee) whereby he cannot seek medical help from the Panel Hospital under the Program. He also is not required to contribute to the
Specific Monthly Share Amount during this Period. The Deferred Period is set up to ensure we have
the right and better community in the long run.

Last update on 3 July 2018

For time being, we only do once a months on every month 24th.

Last update on 3 July 2018

There are 2 scenario:

i.) Emergency Cases

When our Sharer admitted to hospital, the panel hospital will send sharer medical report

to PMA (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 PMA(e-MAS).  PMA will evaluate and GL
(Guarantee Letter) approval will be issued within 3-7 working days.

Last update on 3 July 2018

Yes, you still qualify to stay in community. The purpose to build this community is to prevent for future if any unfortunate medical case happen among the sharer to help each others.

Last update on 3 July 2018

Once the payment deducted from our sharer’s payment card, sharer can view the

Payment deductions details in the transactions history through our LE Apps/website.

Last update on 3 July 2018

Accidents are shared subject by PMA (e-MAS) approval.

Last update on 3 July 2018

Sharer can view all the crowd share history details through LE apps / website.

Last update on 3 July 2018

Yes, because smokers are at a higher risk, they have to pay extra 1.2 times. In simple terms, if you share RM50.00 for the current month, smokers would have to share RM60.00.

Last update on 3 July 2018

There are few scenario and issue could be happened for the payment error:

  1. If there is insufficient amount in the bank account, the payment cannot be done successfully.
  2. 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.

Last update on 3 July 2018

We are working with insurance company is to help manage the risk of crowd sharing without earning profits and sharers feels worry free.

Last update on 3 July 2018

No, this LE program is open for All Malaysian Citizen only.

Last update on 3 July 2018