Life Engineering is 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 117 private hospitals and 135 public hospitals to seek approved medical help.
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.
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 only for medical cost sharing.
Last update on 7th January 2020
If reading is not for you, let’s cut it short. Just shoot us with any question directly. We’ll try our best to be of help to you.
We do not make money off of Sharers’ contribution towards medical cost sharing. Sharers share the actual medical cost incurred by every member requiring medical treatments in one particular month. An annual participation fee is applicable to help bear the cost of company’s operation. 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 RM50 per month. (*Smokers commit 1.2 times the usual crowd share amount)
This program is not a health insurance but an alternative healthcare option that is simple and systematic, 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.
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 funding from the right and like-minded people in a community. Active Sharers in the Life Engineering community will crowd share the medical costs whenever some of them are hospitalized and require medical treatment.
We made an arrangement with major hospitals in Malaysia through e-MAS 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.
Life Engineering will gradually expand the age limit of this program to include those aged outside of the current range. These groups may be subject to different multiplication factors 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.
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.
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.
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.
Joining Life Engineering is strictly on a voluntarily basis. Life Engineering can be a good alternative in the event of need. With this program, you can opt for treatments at private hospitals, which will help reduce the congestion issue in government hospitals.
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.
The administrator does not make money from sharers’ sharing deposit. This program ensures that no premium or other payments 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.
2) 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 life, which in turn will lead to lower healthcare costs.
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 out of this program. Constant education on managing one’s health and medical costs will also be provided.
Unlike insurance companies, the administrative and operating costs of this program are kept to a minimum. More importantly, no agency fees are required to be paid for this program, as the administrator makes use of the convenience of online channels and technology to administer and market this program to reduce costs.
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 bills evaluation and the verification process for our program, using the latest in technology, including “cashless hospitalization.”
Your medical bill will be reviewed and audited by our Professional Medical Auditor (PMA) – If your medical bill includes one or more items that are not-eligible for sharing, you have to personally bear these costs.
In addition, your RM100 sharing deposit contribution is subject to be deducted in a monthly basis every 24th of the month, with a maximum limit of RM50. Assuming there were admissions by sharers, Life Engineering will pay for the bills first, then the total eligible medical expenses will be crowd shared by all active sharers on the Crowd Share day. If there was no admission for the month, then there is no need to crowd share for that month and your sharing deposit balance will be kept intact for the month. The sharing deposit is determined as two times the monthly share pledge limit (RM50x2). Life Engineering reserves the rights 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 to replenish the amount back to RM100.
Last update on 7th January 2020
What are the procedures for withdrawal/re-joining 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).
You can withdraw this program at any time by pressing the withdrawal button on our app. Upon confirmation of your withdrawal from the program, you remain responsible for the current monthly share of medical costs. Unused 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.
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.
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 at 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 7th January 2020
What is the payment process and steps for signing up?
You have to pay an RM360 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 (RAZER Pay) processing fee of 2.99 %, and it’s GST 0%.
(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 6 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.
For example: Let’s say that the total medical bills for the period is RM200,000 and current total active sharers is 10,000 people. RM200,000 will be divided by 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.
No. That is the beauty of this program. So long that your sharing deposit balance remains above RM50, you don’t have to make any payment. Once the cumulative deductions pushed it to RM50 or lower, then you’ll be charged to replenish your sharing deposit back to RM100.
If in a month where there are admissions by sharers, Life Engineering will pay for the bills first. Then on the 24th of the month, 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.
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)
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.
Many people want to participate in our Life Engineering program, but as far as eligibility is concerned, they might be those who don’t fulfill the Sharer’s requirements. For them who would like to share this wonderful program with their loved ones, they can join as a sponsor.
The dependants must be released and withdrawn first then only can the sponsor withdraw him or herself. The sponsor and the dependant 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 dependant’s age are below 18 years old, the sponsor can go to the dependant’s profile and choose to withdraw them as they are deemed financially not capable of funding themselves. When the withdrawal process is completed, the dependants will be removed from the LE program.
ii.) If the dependant’s age is above 18 years old, the sponsor can release a dependant to become an independent sharer. A released dependant 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.
All sharing deposits are kept with the trustee. Once individual sharing deposit falls below RM50, his credit/debit card will be charged to top the sharing deposit back up to RM100. So, there will always be money unless there is no sharer in the system.
Apart from the RM360 annual participation fee, we gather contributions from third party sponsors, 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 to provide information on suitable products and services to the Life Engineering Community. Part of the revenue generated from the advertisements 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.
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.
Yes, it is safe. It is one of the requirements for registration and hospitalization usage. Every NRIC image that is uploaded will be digitally stamped with “Life Engineering” watermark in white colour font at the left side corner.
Each Sharer shall observe a period of 60 days (“Deferred Period”) from the date of joining (upon payment of items mentioned in section 1.3.1 and Annual Participation Fee) whereby he/she is deferred from seeking medical help from the Panel Hospitals using the Program’s benefits. He/she is also not required to contribute to the Specific Monthly Share Amount during this Period. The Deferred Period is set up to protect the community from abuse cases, and to ensure that the community can be sustained in the long run.
Yes, you are still qualified to stay in the community. The purpose of building this community is to prepare for the future if any unfortunate medical case happens so that Sharers can help among each other.
An insurance company working with us to help manage the risk sudden spike of medical costs that are too high for the whole community to bear, that is when the RM50 maximum limit of crowd sharing amount is unable to cover the cost of total medical bills.