• Affordable Alternative to Health Care
• Discounted Medical Rates and Network of Health Care Service Providers Members are eligible for medical cost sharing for in-patient hospitalization expenses up to RM1 million per year

• Age Eligibility - Must be between the ages of 0 to 45 years old. After 45 years old, Members are still eligible upon the renewal of their membership. Age is defined “as of last birthday”
• Open to All - This Program is available to all Malaysians of any ethnicity and religion residing in the country who meet all eligibility criteria
• Health Profile Status – Healthy
• Commitment - Payment fulfillment and agree to Program terms and condition

• Immediate - Instantly claim on any accidental injury case up to RM10,000
• After 90 days - Activation on claims for common illnesses such as cold, fever, flu, dengue, food poisoning, etc.
• After 180 days - Activation on claims for specified illnesses such as high-blood  pressure, heart attack, diabetes, cancer, etc.

There are two(2) types of membership dues required upon enrollment

• Membership Fees - Your contribution to this fund is a critical component of We Kongsi as membership fees help to cover expenses for the maintenance and operations of our Program to ensure that we continue to maintain the highest standards in providing quality healthcare to Members of our community
• Sharing Account Payment - Your contribution here is pooled together to share medical costs with other Members of the program, ensuring that you along with other Members of the community will receive the best support in managing your healthcare expenses

• Account Owner - An Account Owner is the person who takes the initial step to open an account and create membership for individuals interested to subscribe to the We Kongsi Medical Cost-Sharing Community Program. While the Account Owner may not necessarily be       an actual Program Member, they have the ability to create a membership for themselves or others
• Member - A Member is a person, or Dependent, who has agreed under contract to abide by the requirements of the We Kongsi Medical Cost-Sharing Community Program and have fulfilled their monthly contribution, thereby eligible to participate in the sharing       of expenses and needs with other Members