Selamat Datang,
Promoted by Mutiara Healthcare
No worries, WE is here to assists YOU!
About Medical Plan - RM 40/ Month
Mutiara Healthcare introduces the Community Protection Plan — an initiative for sharing medical costs based on the values of compassion and mutual assistance.
Through this concept, community members support one another by sharing the cost of hospital treatment when someone faces misfortune.
This community health plan helps members share medical expenses collectively.
It’s not insurance or takaful, but a community cost-sharing model, where members contribute to help others in times of need.
**Offered through the We Kongsi platform and distributed by Mutiara Healthcare.
Our Product
This video will highlight the main features and benefits of We Kongsi, such as sharing account access, our partners and the concept of the mutual support and the value of joining We Kongsi community.
How it Work
This video typically highlights the available membership packages, payment structure, sharing account, top-up process, transparency, and example of payment.
Affordable protection, founded on the spirit of mutual assistance.
💬 Enjoy medical coverage of up to RM1 million per year from as low as RM40 a month!
Simple Steps to Get Started
Your Protection
Register
Join the protection community with We Kongsi through Mutiara HealthCare.
Pay RM40/month
Membership contribution from as low as RM40 per month.
Receive Treatment
Use panel hospitals when treatment is needed
Community Support
Treatment costs are shared with other members
Benefits That We Offer
We are not an insurance provider but a community health management platform.
Accidental injury surgery/ treatment
RM 10,000
Outpatient cancer treatment
(Chemotherapy, Radiotherapy and Electrotherapy)
RM 100,000
Daily cash allowance in Government Hospital
RM50 / RM100
Medical Shareable Limit up to
RM 1,000,000
Death Benefit Fund
up to
RM 10,000
We Kongsi Membership's Package
Feeling excited? I want to register but don’t know the price !
Key Benefits
Up to RM 1,000,000 per year for hospitalisation and surgery.
Covers inpatient room, operating theatre, ICU, diagnostic tests, and post-hospital follow-ups (according to plan tier).
Choice of Standard or Deluxe packages with higher daily room rates.
Up to RM 100,000 per year for outpatient chemotherapy, radiotherapy, and specialist consultations.
Designed to support ongoing cancer care without the need for full hospital admission.
Ambulance services included (Standard – fixed limit, Deluxe – as per actual charge).
Cashless hospital admission via accredited Third-Party Administrators (TPA) such as PMCare or e-MAS.
24/7 assistance for hospital verification and admission coordination.
RM 10,000 one-off community contribution to next of kin upon member’s death, regardless of cause.
Helps families manage immediate funeral or household expenses.
Reviewed and certified by Afsha Shariah Advisory Sdn Bhd.
Operates under the principles of Ta’awun (mutual assistance) and Tabarru’ (voluntary contribution).
Transparent financial reporting and audited community fund management.
Members share medical expenses collectively rather than paying premiums.
You only contribute when someone in the community needs help.
Monthly sharing capped at RM 50 per member, keeping it predictable and affordable.
No sharing charged in months without any claims.
Daily cash allowance during government-hospital admission:
Standard: RM 50 per day
Deluxe: RM 100 per day
Room & board coverage up to RM 150 / RM 250 per day depending on package.
90 days for general medical conditions.
180 days for specific or chronic illnesses newly diagnosed after joining.
No waiting period for accidents — immediate protection.
WeKongsi 2023 Achievements
In the past year, we had participated in numerous roadshows, events and campaign, leading to the successful of over 1,500 customers to join our platform.
Average RM33.17 per month
2024 total Crowd Share RM 398.10
Testimonial Videos
Total Claim Amount : RM1525185.33
Total Claim Case : 197
Tutorial to Register
Our Partners
Your protection is our priority.
Contact us on WhatsApp for a quick and commitment-free consultation.
Contact Me
Contact
+6011-1038 1111
saidspeed02@gmail.com
