Easy Sign Up
Only IC and bank statement are needed.
Treatment Now,
Pay Later
Shariah-compliant financing with 3 to 12 monthly payments up to RM 10,000.
Shariah-compliant plan
Fast document review
No hidden fees
How It Works
Available Amount
Up to RM 10,000
Best For
Medical treatment needs
Journey
Treatment flow 01
Apply online
Share your basic details and preferred monthly plan.
02
Upload documents
Submit your IC and recent bank statement for checking.
03
Confirm payment plan
Review your instalment plan and sign digitally.
04
Receive treatment
Proceed with your service while paying monthly.
Prepare
IC requiredBank statementNo payslip requiredNo credit card required
Treatment NowPay MonthlyShariah-compliant
Get the Treatment You Need, Pay Monthly with Ease
Treatment Now, Pay Monthly
Get the medical care you need without delay. Pay in flexible instalments from 3 to 12 months, according to your budget.
Fast & Easy Approval without Pay Slip
Simple application process with minimal hassle, so you can focus on your treatment.
Accepted at 140+ Healthcare Providers
Available at hospital, clinic, dental clinic, and pharmacy across selected states in Malaysia offering medical instalment plans.
Why Use This Plan
Focus on care,
pay monthly.
Quick Approval
Approval can be within 15 minutes during working hours.
Affordable
Pay up to 12 times monthly payments with no hidden fee.
Inclusive
No credit or debit card is required.
Shariah-Compliant Financing
Built on a
Shariah structure.
This financing facility is endorsed by Amanie Advisors and based on the Shariah concept of Commodity Murabahah via Tawarruq.
Amanie AdvisorsCommodity MurabahahTawarruq
Certified Framework
Commodity Murabahah via Tawarruq
This is a Shariah-compliant financing facility fully endorsed by Amanie Advisors, a leading global Islamic Finance Advisory firm led by the renowned Shariah scholar Tan Sri Dr. Mohd Daud Abu Bakar.
How it works
The facility uses a Shariah-compliant commodity as the underlying asset for the sale and purchase transaction used to facilitate the financing.
Endorsed Advisory
Endorsed by Amanie Advisors, a global Islamic Finance Advisory firm.
Buy-and-Sell Concept
Structured through Commodity Murabahah via Tawarruq.
Clear Facility Structure
The financing uses a Shariah-compliant commodity as the underlying asset.
Plan Details
Receive your
treatment first.
This plan is solely for medical purposes. The approved amount is disbursed directly to the healthcare provider where you receive treatment.
Financing Amount
RM 300 - RM 10,000
The financing amount ranges from RM 300 minimum to RM 10,000 maximum.
Financing Period
3 - 12 payments
The financing period is from 3 to 12 monthly payments.
Profit Rate
1.5% per month
The profit rate is 1.5% per month, with no processing fee involved.
Facility Type
Unsecured
No guarantor or collateral is required for this facility.
Approval
As fast as 15 minutes
Final approval results and maximum amount can be known as fast as 15 minutes during working hours after complete documentation.
Usage Window
Within 2 weeks
Once pre-approved, the facility can be used within 2 weeks.
Payment Calculator
Estimate your
monthly payment.
Use the treatment amount, tenure, and profit rate as a guide before confirming the final monthly payment.
Profit Rate
1.5% per month
The referenced plan states that no processing fee is involved.
Amount & Tenure
RM 300 - RM 10,000 / 3 - 12 months
Monthly payment depends on the financing amount, selected tenure, and credit profile.
Illustration
RM 89.50 per month
For RM 500 financing over 6 months at a 1.5% monthly profit rate, the referenced illustration shows RM 89.50 monthly repayment.
Payment Method
eMandate auto-debit
Monthly payment is deducted from the bank account set up through eMandate before signing the agreement.
Healthcare Providers
Find a provider
near you.
Available at hospital, clinic, dental clinic, and pharmacy across selected states in Malaysia offering medical instalment plans.
140+
Healthcare providers.
4 provider types
Hospital, clinic, dental clinic, and pharmacy.
Selected states
Available across selected states in Malaysia.
Eligibility & Documents
No pay slip
required.
Other than filling in basic personal details, only two document types are required for this financing.
Who Is Eligible
- Open to Malaysian nationals aged between 18 and 65 years old.
- Must have a bank account.
- A credit card is not mandatory.
Documents Required
- Photos of NRIC, front and back.
- Bank statement for the past 3 months from the main account that receives income such as salary.
3 Easy Steps for Medical Treatment
01
Apply
Submit your online application easily. Just your identification card and bank statement are needed. No pay slip required.
02
Confirm & Sign
Confirm your monthly payment plan and sign the financing agreement with your healthcare provider.
03
Receive Treatment
Get quick approval, make your first payment, receive your medical treatment, and continue with monthly instalments over 3 to 12 months.
FAQ
Common
questions.
Details on approval, documents, disbursement, payments, late charges, early settlement, and healthcare provider pricing.
