Struggling to Find Affordable
Medical Protection?

I don't think it's important right now.

These are the everyday doubts that leave Malaysians unprotected. We Kongsi makes medical cost-sharing simple, transparent and genuinely affordable.

Join We Kongsi Today Learn How It Works
The Reality

78% of Malaysians are UNPROTECTED

Many delay medical protection until it's too late.

  • 42%Cannot Afford ItPremiums feel too costly to keep up with, month after month.
  • 36%Don't Need ItMany underestimate their health risks until it's too late.
  • 22%Are ProtectedOnly a small minority have adequate coverage.
Get Protected Today
0% Unprotected
~15%
Annual medical inflation

Healthcare Is Getting More Expensive

Medical inflation is rising every year, outpacing average income growth.

~RM2,400
Avg. yearly private premium

Private Hospitals Are Too Expensive

A simple procedure can cost thousands, draining your life savings instantly.

3–4 hrs
Avg. government hospital wait

Government Hospitals Are Overcrowded

Long waiting times can worsen conditions that need immediate attention.

48%
Malaysians lack protection

Many Children Have No Protection

Many families leave their kids unprotected due to high insurance premiums.

*Statistics shown are indicative and for illustration only; sources are being verified.

That's why We Kongsi was created.
We Kongsi is Not an Insurance Provider but a

Community-Based
Medical Cost-Sharing
Platform

We Kongsi is a community-driven Medical Cost-Sharing Program designed to help members manage unexpected medical expenses through transparent and responsible sharing.

When a member requires medical support, the community comes together to share the burden — making healthcare support more accessible and affordable.

We Kongsi mobile app showing total members, shared amount, supported hospitals and clinics
Community Support

Members Helping Members

Medical challenges can happen to anyone. Through Medical Cost-Sharing, members come together to support one another in times of need.

Affordable Healthcare Access

Protection You Can Sustain

Healthcare support shouldn't be a financial burden. We Kongsi offers an affordable, sustainable way for families to access medical support.

Transparent & Responsible Sharing

Built On Trust

Sharing activities are openly communicated to members, giving everyone clarity and confidence in how the community helps.

First, here's everything you're protected for.

Coverage

Up to RM1,000,000 Medical Coverage

Comprehensive inpatient support, shared by the community. *Co-sharing and waiting periods apply.

Up to RM1,000,000/yr

Inpatient Hospitalisation

Support for hospitalisation and treatment due to illness or injury.

RM150–250 / day

Room & Board

Hospital room and meals during in-patient stay, up to 120 days a year.

Up to RM100,000

Outpatient Cancer Treatment

All cancer therapy types, separate from the RM1,000,000 annual limit.

RM10,000

Bereavement Support

Paid to your beneficiary in the event of a member's passing.

Included

Accidental Injury Treatment

Support for accidental injuries and related medical treatment.

RM50–100 / day

Daily Cash Allowance

Cash benefit during government hospital stay, up to 120 days a year.

Up to RM10,000

Post-Hospital Follow-Up

Follow-up treatment within 60 days after discharge.

Included

Surgery, ICU & Ambulance

Surgical fees, operating theatre, anaesthetist, ICU and ambulance.

Subject to Program Guidelines and eligibility requirements.
Unlock Your Protection
Exclusive Add-On Benefit

Conditional Outpatient
Benefit (COB)

Powered by

Enhance your healthcare access with COB, an optional outpatient benefit designed to support eligible everyday medical conditions through telemedicine services and clinic visits.

Member using telemedicine consultation at home
Add-OnRM15/month

Telemedicine Services

Consult licensed doctors online from the comfort of your home. Receive an e-prescription and choose medication delivery or pharmacy collection where applicable.

Clinic Visits

Access participating MiCare panel clinics nationwide for face-to-face consultations, diagnosis and treatment for eligible outpatient conditions.

Up toRM120

Support Per Episode

Up to8

Episodes Per Year

Covers17

Eligible Outpatient Conditions

Learn More About COB

COB is an optional add-on benefit. Terms and conditions apply.

But how can it cost so little? Here's the simple idea.

How Cost-Sharing Works

Each month, the total approved medical bills of hospitalised members are shared fairly across all active members. Your contribution rises and falls with the community's actual needs — and is always capped, so you are never overcharged.

Example 1
Total Medical BillRM100,000approved this month
÷
Active Members8,000this month
=
Sharing CostRM12.50per member
You pay just RM12.50 this monthA RM100,000 hospital bill, split across 8,000 members, costs each person about the price of a coffee.
Example 2
Total Medical BillRM800,000approved this month
÷
Active Members8,000this month
=
Sharing CostRM100before cap
→
You Pay OnlyRM60capped per month
You still pay only RM60 — never moreEven in a high-claim month where the share works out to RM100, your monthly contribution is capped at RM60. The remaining RM40 is carried forward, so your cost stays predictable.
Example 3
Total Medical BillRM0no claims this month
÷
Active Members8,000this month
=
Sharing CostRM0per member
No claims means you pay nothingWhen no members are hospitalised, there is nothing to share — so your contribution for the month is RM0.
Wait... it's really this affordable?

From less than RM2 a day

That's cheaper than your daily teh tarik — yet it helps protect you and the whole community.

Teh Tarik~RM2.50
vs
We Kongsifr. RM2
See How Little It Costs

Wondering how your money is handled? Here's the behind-the-scenes.

Sharing Account

Your Sharing Account, Fully Owned by You

Think of your Sharing Account as your own wallet — money you own, not a fee. It funds your monthly medical cost-sharing and is safeguarded by a licensed Trustee.

Standard Package

Auto Top-Up to RM150
Annual LimitRM1,000,000
Room & BoardRM150 / day
Daily Cash Allowance in Government HospitalRM50 / day
Outpatient Cancer TreatmentRM100,000
Pre-Hospital Tests & DiagnosticsN/A
Ambulance FeeRM250
Premium

Deluxe Package

Auto Top-Up to RM300
Annual LimitRM1,000,000
Room & BoardRM250 / day
Daily Cash Allowance in Government HospitalRM100 / day
Outpatient Cancer TreatmentRM100,000
Pre-Hospital Tests & DiagnosticsRM5,000
Ambulance FeeAs charged

Like what you see? Choose how you'd like to pay.

Membership

Find The Right Membership For You

Flexible membership plans starting from as low as RM30/month.

Monthly
Monthly Plan
RM40/month
  • Full Medical Cost-Sharing Benefits
  • Up to RM1 Million Annual Support
  • We Kongsi App Access
  • Flexible Month-to-Month
Get Started
Quarterly
Quarterly Plan
RM100/quarter
Just RM33 / month
Save up to 17% vs Monthly
  • Full Medical Cost-Sharing Benefits
  • Up to RM1 Million Annual Support
  • We Kongsi App Access
  • Better Long-Term Value
  • Priority Member Support
Get Started
Most Popular
Annual
Annual Plan
RM360/year
Just RM30 / month
Save up to 25% vs Monthly
  • Full Medical Cost-Sharing Benefits
  • Up to RM1 Million Annual Support
  • We Kongsi App Access
  • Best Long-Term Value
  • Priority Member Support
Join Now

Membership fees are fixed as published in the Program Guidelines. The membership fee is separate from your Sharing Account contribution and is collected automatically via eMandate.

Your Costs, Made Simple

So... What Do You Actually Pay?

No surprises. Your cost comes down to just a few small, predictable parts.

You only ever pay two things
1

Membership

From RM30/month to join the community.

2

Sharing Account

A one-time top up of RM150 / RM300 — a wallet you fully own.

That's it — only these two. Each month, your sharing (RM0 – RM60) is automatically deducted from your Sharing Account, and auto top-up keeps it filled. Nothing else to pay or remember.

Your first 90 days

1
Day 1

Pay Your Membership

A small membership fee to join the community — from RM30/month.

2
Day 60

Fund Your Sharing Account

Top up to RM150 (Standard) or RM300 (Deluxe) to start — and it stays your own money.

3
Day 90

Sharing Begins

After the 90-day waiting period, only RM0 – RM60 is shared each month, based on the community's approved cases.

Co-Share

If You're Admitted, You Pay Just a Small Share

When you're admitted as an inpatient, you pay a small co-share portion of the approved bill — and the community shares the rest. Your co-share is based on your age group and is always capped.

We Kongsi member
Age GroupCo-Share Rate
Age 0 – 525%
Age 6 – 4510%
Age 46 and above20%
  • Co-share is capped at RM500 per admission.
  • No co-share applies for admissions to government hospitals.
  • Loyal members (3+ years, no inpatient claims) can claim a co-share reimbursement up to RM500.
Join the Movement
Trust & Safety

Officially Shariah-Compliant

Certified and Vetted by Afsha Shariah Advisory

We Kongsi's commitment to fairness and ethical operations is independently verified. The entire We Kongsi program has been officially recognised as Shariah-compliant by the independent advisory body, Afsha Shariah Advisory. This certification assures every member that our medical cost-sharing operations are completely transparent, ethical, and align fully with Islamic principles.

Trusted Technology & Compliance Partners

eMAS
Palladium Trustee
Curlec by Razorpay
Bayes Actuarial Solutions
Afsha Shariah Advisory
HEYDOC Health
Afsha Shariah Compliance Certificate for the We Kongsi program

250+ Panel Hospitals Nationwide

Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Panel Hospital
Community Impact

Trusted by Our
Growing Community

0
Total Members
0
Total Medical Bills Shared
0
Hospital Cases Approved
0
Clinic Cases Approved

Every number represents a member who received support when they needed it most.

Eligibility

Who Can Join?

We believe everyone deserves access to affordable healthcare. Becoming a We Kongsi member is easy.

Malaysian Citizen

For Malaysian citizens residing in Malaysia.

Entry Age

Available for individuals aged 14 days to 45 years old.

Long-Term Protection

Join before 45 and maintain your active membership to continue enjoying protection.

Good Health

Applicants should be in generally good health at the time of joining.

A Malaysian family — eligible to join We Kongsi
Eligibility is subject to the We Kongsi Program Guidelines, terms and conditions.
Testimonials

Real Members, Real Stories

Real Malaysians, real medical bills, and the community support that carried them through.

Xin Min's video testimonial

"The RM15,000 surgery I needed would have been a huge burden for my family. Thanks to We Kongsi and the support of the community, I was able to focus on my recovery instead of worrying about the medical expenses."

XMXin Min19 · Perak
Watch Full Video

"Joining We Kongsi was the best decision for my family. The monthly contribution is so affordable, and knowing the whole community has our back gives us real peace of mind."

FFaridah38 · Selangor

"What impressed me most is the transparency. Every month I can see exactly how the sharing works and how many members were helped. It simply feels honest."

KKalai33 · Negeri Sembilan
Honey's video testimonial

"After switching from expensive medical insurance, I found We Kongsi to be much more affordable. When I underwent a RM45,000 surgery, the support I received gave me and my family real peace of mind."

HHoney27 · Perak
Watch Full Video

"As a small business owner, I couldn't justify expensive insurance premiums. We Kongsi gives me genuine protection at a price that actually makes sense for me."

WWei Jie41 · Melaka

"The teleconsultation through COB saved me so many clinic trips with my kids. It's quick, easy, and the support is always there when we need it."

SSuriani30 · Kedah
Niena's video testimonial

"An unexpected accident left me with a RM39,000 medical bill. The support and smooth process gave me confidence during a difficult time, allowing me to focus on getting better."

NNiena26 · Johor
Watch Full Video

"I referred my whole family because the process is so straightforward. When my mother was admitted, everything was handled with care and without delay."

DDaniel Tan36 · Kuala Lumpur

"Even living far from the city, getting support was simple. We Kongsi gave my family reliable protection without the heavy cost of traditional insurance."

HFHafiz45 · Pahang
Syafiq's video testimonial

"I wanted a more affordable alternative, and We Kongsi gave me exactly that. When I needed ankle surgery, the support I received reassured me that I had made the right choice."

SSyafiq29 · Kelantan
Watch Full Video
Mohd Hizam

"My member was admitted for severe food poisoning, and the support was immediate. Seeing the claim handled fast proves that We Kongsi delivers real value for my community."

MHMohd HizamReferrer
Puan Maslina

"My child was in a motor accident, but because our family of 8 is protected, they got comfortable, fast treatment at a private hospital. We Kongsi covered it all — we are so grateful!"

PMPuan MaslinaWe Kongsi Member
Ainul & Abdul's video testimonial

"We were uncertain at first, but when our child was hospitalised, the Guarantee Letter process was smooth and timely. That experience gave us confidence and showed us the value of being part of a caring community."

AAinul & Abdul35 & 42
Watch Full Video
Write Your Story
FAQ

Frequently Asked Questions

Medical Cost-Sharing is a community-based model where members voluntarily pool resources to help cover each other's approved medical expenses. When a member has an eligible medical bill, the community shares the cost among all active members, making healthcare more accessible and affordable.

We Kongsi is NOT an insurance product. Unlike insurance, We Kongsi is a community-driven program where members help members — there's no insurance company taking profit. Members contribute only when there are approved medical cases, making it more transparent and community-focused.

Your monthly sharing depends on the approved medical cases that month, divided among all active members. Inpatient sharing is capped at RM60 per member. With the COB option you may contribute an additional RM15. The membership fee is separate and fixed at RM40/month (or RM100/quarter, RM360/year).

If there are no approved hospital cases in a month, no inpatient sharing is required. Your Sharing Account balance is carried forward and remains available for future months when the community needs support.

COB provides support for everyday illnesses, including telemedicine via HEYDOC Health and clinic visits at MiCare panel clinics nationwide. Members receive up to RM120 support per episode, for up to 8 episodes per year, covering 17 eligible outpatient conditions.

Yes, COB is optional. You can choose an Inpatient-Only package without COB, or include COB for comprehensive outpatient support. Speak to your We Kongsi agent for details on the available options.

Each month, all approved medical bills are totalled and divided equally among active members. For example, if RM200,000 in bills is approved across 5,000 active members, each member shares RM40 that month. Inpatient sharing is always capped at RM60/month.

Join We Kongsi by speaking with a registered agent who will guide you through membership, help you choose the right plan, and complete your registration. Click "Join We Kongsi Today" or "Speak To An Agent" to get started.

We Kongsi

Join A Community
That Cares

Become part of a community helping one another access healthcare support when it matters most.

Join We Kongsi Today Speak To An Agent
Community-Driven Cost-Sharing
Shariah Compliant
Transparent Sharing Process
We Kongsi community — members, partners and supported families
Chat With Us