FAQs | Life Engineering    

About Life Engineering

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.

Last update on 7th January 2020

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 7th January 2020

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.

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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.

Why do you need to join the Life Engineering program?

We do not make money off of Sharers’ contribution towards medical cost sharing. Sharers share the actual medical costs plus only 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 RM50 per month. (*Smokers commit 1.2 times the usual crowd share amount)

Last update on 7th January 2020

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.

Last update on 7th January 2020

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.

Last update on 7th January 2020

  1. We don’t collect a premium upfront
  2. You share apportioned of the actual medical costs incurred with other 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 7th January 2020

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.

Last update on 7th January 2020

Eligibility to join Life Engineering program

  1. Must be a Malaysian
  2. Aged between 6 to 40
  3. Currently healthy and active
  4. Honest community player
  5. Pass the underwriting questions

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.

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 7th January 2020

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 7th January 2020

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.

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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.

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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.

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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 bedded room or maximum RM150 per night
  5. Bereavement payment
  6. Healthy lifestyle tips and education leading to lower medical costs

Last update on 7th January 2020

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.

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Kindly refer to program guideline:

  • Section 5.1 (Medical Expenses Eligible for Sharing)
  • Section 5.2 (Non-Eligible Medical Expenses)

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We have 135 of Government hospitals & 117 private hospitals, making up a total of 252 panel hospitals across the country including Sabah & Sarawak.

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

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Advantages of Life Engineering

Life Engineering is used for two broad purposes:

1) 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.

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.

Last update on 7th January 2020

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.

Last update on 7th January 2020

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.”

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No, you will continue to be a Lifetime LE sharer as long as you do not withdraw, and you abide by the program guideline from the Life Engineering community.  

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What are the steps for hospital admission?

Kindly visit our official website: https://www.lifeengineering.my/hospital-admission-guidelines/

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Not really. Let us explain how it works.

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.

Please refer to Program Guideline, Section 5:

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

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).

Last update on 7th January 2020

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.

Last update on 7th January 2020

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 7th January 2020

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 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 (RAZER Pay) processing fee of 2.99 %, and it’s GST 0%.

Last update on 7th January 2020

(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.

Last update on 7th January 2020

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.

Last update on 7th January 2020

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.

Last update on 7th January 2020

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

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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 7th January 2020

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 7th January 2020

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 7th January 2020

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.

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  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.

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Sponsor and Dependent

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.

Last update on 7th January 2020

  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 Dependant in order to complete the registration as a Sponsor. Dependant above
    18 will receive SMS link for health declaration purpose.

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

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An LE sharer can become a sponsor, but must add at least one dependant in order to complete the registration as a Sponsor.

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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 7th January 2020

A sponsor can add unlimited number of dependants under him/her.

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A Dependant also represents a sharer, so the age limit to join as a dependant is between 6 to 40

years old.

Last update on 7th January 2020

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.

Last update on 7th January 2020

Yes, but there is a one time charge of RM1.01 for MOLPAY payment gateway (RAZER Pay) Charges at 2.99% + with GST 0% for tokenizing the payment card in sponsor’s account but its refundable.

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Other Enquiries

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.

Last update on 7th January 2020

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.

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Dengue virus life engineering

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

 (refer to the figure 1.1)

Last update on 7th January 2020

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 7th January 2020

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.

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A : Bereavement Payment is the amount which Life Engineering will crowd share among the sharer to give to the sharer’s family members once the sharer had passed away while being in this program.

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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.

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Crowd Share is only once a month, that is on the 24th.

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There are 2 scenarios:

i.) Emergency Cases

When a Sharer is admitted into a hospital, the panel hospital will send the medical report to PMA (e-MAS) for evaluation, within 30 minutes the GL (Guarantee Letter) will be issued by PMA (e-MAS).

ii.) Non-Emergency Case

-The Panel hospital will be send the medical report to our PMA(e-MAS).  PMA will evaluate the report and GL (Guarantee Letter) approval will be issued within 3-7 working days.

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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.

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Once the payment is deducted from the sharer’s payment card, sharer can view the payment  details in the transactions history through our LE Apps/website.

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Costs of treatments for accidents are shared subject to approval by PMA (e-MAS)

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

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Yes, because smokers are at a higher risk, they have to pay 1.2 times extra compared to non-smoker. In simple terms, if you share RM10.00 for the current month, smokers will have to share RM12.00.

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There are few scenarios could be happening resulting 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, that means the transaction won’t be successful. Kindly contact your bank for further clarification.
  3. The bank card might be blocked by the bank for certain reasons.

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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.

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No, this LE program is open to All Malaysians with Malaysian NRIC only.

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Still having more questions? Talk to us directly…