Up to 8 COB Episodes Per Year
Start with 2 episodes upon activation and receive additional episodes every quarter, up to 8 episodes annually.
Conditional Outpatient Benefit (COB)
Outpatient healthcare support for eligible WeKongsi members through telemedicine services and panel clinic visits.
COB is automatically included for eligible WeKongsi members.
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Why COB
Why Choose COB?
COB is designed to help eligible members access timely healthcare support without unnecessary delays, making it easier to consult a doctor, obtain medication, and receive treatment when needed.
Telemedicine Services
Consult licensed partner doctors online and receive professional medical advice without leaving home. If medication is prescribed, an e-prescription can be issued for medication collection at participating pharmacies or home delivery where available.
Clinic Visits
Visit participating MiCare panel clinics nationwide for eligible outpatient conditions under COB.
Member Benefits
Your COB Benefits
Access healthcare support through three integrated services designed to help you consult, receive treatment, and obtain medication conveniently.
COB Benefits
Telemedicine Services
Feeling unwell? Consult a qualified partner doctor online from the comfort of your home. If medication is required, an e-prescription may be issued, allowing you to collect your medication at participating pharmacies or have it delivered to your doorstep.
Complimentary Teleconsultation
Available daily 9am – 10pm. Speak to licensed partner doctors online.
Multi-Language Support
Consult licensed doctors comfortably in your preferred language.
Convenient Medication Collection
Collect medication at participating pharmacies or have it delivered to your doorstep (cut-off 5pm daily).
Coverage applies to the 17 eligible outpatient conditions under COB.
Member Journey
How Telemedicine Services Works
A simple 4-step process from consultation to medication collection.
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Step 01
Feeling Unwell?
Open MiCare TeleMed to start your consultation.
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Step 02
Consult a Doctor
Speak with a licensed partner doctor online.
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Step 03
Get E-Prescription
Receive a digital prescription if medication is needed.
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Step 04
Collect Medication
Self-collect at participating pharmacies or have it delivered to your doorstep.
After receiving your e-prescription, locate a participating pharmacy for medication collection.
Find Participating Pharmacies
Up to
RM120
per episode
COB Benefits
Clinic Visits Made Accessible
Visit participating MiCare panel clinics nationwide for eligible outpatient conditions under COB and receive support of up to RM120 per episode.
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4,000+ Panel Clinics Nationwide
Access participating MiCare panel clinics across Malaysia.
Cashless Clinic Visits
No upfront payment required for eligible clinic visits within the RM120 episode limit.
Up to RM120 Per Episode
Support for eligible consultation, diagnostics and treatment costs.
17 Eligible Conditions
Coverage applies to 17 approved outpatient conditions.
17 Eligible Diagnoses Included
Telemedicine Services and Clinic Visits applies only to approved outpatient conditions under COB.
- Dengue
- Viral Fever
- Bronchiolitis & Bronchitis
- Influenza
- Infectious Gastroenteritis & Colitis
- Pneumonia
- Tonsillitis & Pharyngitis
- Gastritis
- Urinary Tract Infection
- Mild Asthma Conditions
- Sinus Infections
- Minor Cuts Requiring Stitches
- Sprains & Strains
- Minor Fractures
- Skin Infections
- Ear, Nose & Throat (ENT) Infections
- Respiratory Tract Infection*
Respiratory Tract Infection is eligible for members aged 15 years old and below only.
Important Information
- Up to RM120 support per episode
- Follow-up visits for the same condition within 7 days usually do not use an additional episode
- Any amount exceeding RM120 is payable by the member
- For medical emergencies, please proceed directly to the nearest hospital. Emergency conditions are not covered under COB.
Verification
Access Your COB E-Card
Your COB E-Card is available in the WeKongsi App and MiCare App. Simply show your COB E-Card or provide your NRIC during registration at participating MiCare panel clinics for eligibility verification.
- Show COB E-Card
- Or provide NRIC
- Verification completed during registration
Getting Started
Access Your MiCare MyMed App Guide
New to COB? View the onboarding guide to learn how to access your COB E-Card, find panel clinics, and start using your benefits.
View Onboarding GuideA step-by-step onboarding guide to help you get started.
Activation
How COB Activation Works
A simple journey from enrolment to activation.
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Day 1
1
Join COB
Opt in to COB under your WeKongsi membership.
90-day waiting period begins.
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Day 60
2
Sharing Account Contribution Collected
For new members, the Sharing Account contribution is collected according to the membership schedule.
Note: Existing members only need to maintain sufficient balance in their Sharing Account throughout the waiting period.
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Day 90
3
COB Activated
Your COB benefits are now active.
RM15 monthly COB contribution begins and is deducted from your Sharing Account. You can immediately start using your 2 COB episodes.
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After Activation
4
Start Using COB
Access telemedicine services and clinic visits under COB.
Episodes
How COB Episodes Work
Members receive outpatient episodes that can be used across teleconsultation and participating clinic visits.
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Complete 90-Day Waiting Period
Your COB healthcare benefits become available after the waiting period.
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Receive Your First 2 Episodes
Start accessing COB healthcare support after activation.
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Receive 2 Additional Episodes Every Quarter
Episodes are added quarterly while maintaining active eligibility.
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Annual Episode Allocation
Up to 8 outpatient episodes annually across covered healthcare services.
One Diagnosis, One Episode (Within 7 Calendar Days)
Follow-up visits for the same diagnosis at the same clinic within 7 calendar days are generally considered part of the same episode.
Your Healthcare Access Experience
A connected healthcare ecosystem powered by trusted partners to deliver outpatient healthcare support under COB.
WeKongsi remains your primary membership and healthcare benefit platform. COB eligibility, episode allocation, member support, and healthcare benefit access are managed within the WeKongsi ecosystem.
HEYDOC Health powers the healthcare services behind COB, including licensed doctor consultations, telemedicine services, and outpatient healthcare coordination.
MiCare provides the healthcare network infrastructure that supports COB services. Members use the MiCare MyMed application for teleconsultation access, e-prescriptions, e-card verification, and panel clinic connectivity.
FAQ
Frequently Asked Questions
Detailed answers to common operational questions.
Who is eligible for COB?
COB is available to WeKongsi members only who have opted into the Conditional Outpatient Benefit (COB) program and maintain active eligibility. Members contribute an additional monthly COB fee and must complete the required waiting period before benefits become available.
How do I enroll in the Conditional Outpatient Benefits (COB) program?
- Automatic Enrollment: Upon joining WeKongsi, you are automatically enrolled in the COB benefit managed by HEYDOC Health.
- Opt-Out Option: If you choose not to utilize this service, you have the flexibility to opt out after signing up, subject to program terms.
When can I start using COB benefits?
COB benefits become available after the 90-day waiting period has been completed. Once activated, eligible members will receive their first 2 episodes and may begin using teleconsultation and clinic visit services.
Example: Members enrolled in WeKongsi on 10th June 2026 will be entitled to COB benefits on 7th September.
What is an episode?
An episode refers to one medical condition that requires consultation and treatment.
Each episode can be used through:
- Telemedicine Services (up to RM120 per episode for doctor consultation, prescribed medication, and delivery charges)
- Clinic Visits (up to RM120 per episode)
How many episodes do I receive?
Eligible members receive:
- 2 episodes upon COB activation after the waiting period
- 2 additional episodes every quarter
- Up to 8 episodes per year, subject to eligibility requirements
How does the 7-day follow-up rule work?
Follow-up visits for the same medical condition are generally considered under the same episode if:
- The visit occurs within 7 calendar days from the first visit
- The diagnosis remains related to the original condition
This helps members continue treatment without unnecessarily consuming additional episodes.
When will a new episode be deducted?
A new episode may be used when:
- A different medical condition is diagnosed
- Treatment is sought beyond the applicable follow-up period
What healthcare services are available under COB?
COB currently provides:
- Telemedicine Services — complimentary teleconsultation with licensed partner doctors plus medication collection through participating pharmacies (up to RM120 per episode)
- Clinic Visits through participating MiCare panel clinics (up to RM120 per episode)
What is included in Telemedicine Services?
Members may:
- Consult licensed partner doctors online
- Receive medical assessment and advice
- Receive an e-prescription if medication is required
- Collect medication at participating pharmacies or have it delivered to your doorstep
Telemedicine Services are available up to RM120 per episode, covering doctor consultation, prescribed medication, and delivery charges. Medication delivery cut-off is 5pm daily.
Note: Coverage applies only to the 17 approved outpatient conditions under COB.
Is teleconsultation really unlimited?
Yes. Eligible members may access teleconsultation services an unlimited number of times during their active COB membership period, subject to operating hours.
Operating hours: 9am – 10pm daily.
Note: Telemedicine Services coverage (including medication support) applies only to the 17 approved outpatient conditions under COB.
What is included in Clinic Visits?
Eligible members may visit participating MiCare panel clinics for approved outpatient conditions.
Clinic Visits covers:
- Doctor consultation
- Basic treatment related to the eligible diagnosis
Support is available up to RM120 per episode.
What diagnoses are included under Clinic Visits?
Clinic Visits applies only to the following approved diagnoses:
- Dengue
- Viral Fever
- Bronchiolitis and Bronchitis
- Influenza
- Infectious Gastroenteritis and Colitis
- Pneumonia
- Tonsillitis and Pharyngitis
- Gastritis
- Urinary Tract Infection (UTI)
- Mild Asthma Conditions
- Sinus Infections
- Minor Cuts Requiring Stitches
- Sprains and Strains
- Minor Fractures
- Skin Infections
- Ear, Nose and Throat (ENT) Infections
- Respiratory Tract Infection (eligible for members aged 15 years old and below only)
Coverage applies only to the diagnoses listed above. Final diagnosis is determined by the attending healthcare provider.
How do I verify my eligibility at a clinic?
You may:
- Present your COB e-card; or
- Present your NRIC for verification
Passport verification is not supported for COB clinic visits.
What happens if I do not have my e-card to the clinic?
You may present your e-medical card via the MyMed App or your NRIC and inform the provider that you are covered under "MiCare."
If the clinic or hospital is unable to verify your details, please request them to contact MiCare via the 24/7 toll-free number for assistance.
What to do if I forgot my username or password to log in MyMed Mobile Apps?
You may click "Forgot Password" on the front interface of the MyMed App.
What is the role of WeKongsi, HEYDOC, MiCare and eMAS?
WeKongsi
WeKongsi remains your primary membership platform and administrator. WeKongsi manages membership eligibility, enrollment, contributions, COB participation, and member support.
HEYDOC Health
HEYDOC Health powers the outpatient healthcare services under COB, including teleconsultation and healthcare coordination.
MiCare
MiCare provides the healthcare service platform used for COB. Through the MiCare MyMed App, members can access TeleMed services, view their COB e-card, and utilise participating panel clinics.
eMAS
eMAS remains WeKongsi's Third-Party Administrator (TPA) for inpatient healthcare support. eMAS continues to manage inpatient-related services and is not involved in COB outpatient services.
Is the eMAS app still available?
Yes. The eMAS platform remains available for inpatient healthcare services.
For COB outpatient services, members will use the MiCare MyMed App.
Why do I need to install the MiCare MyMed App?
The MiCare MyMed App is required to:
- Access TeleMed services
- View your COB e-card
- Access healthcare services under COB
- Utilise participating MiCare panel clinics
How do members get the User ID and password to log into MiCare MyMed Mobile Apps?
Members will receive a welcome email from MiCare containing their User ID and password to access the MyMed Mobile App.
Can I edit my personal information in the MiCare app?
No. Personal information is provided by WeKongsi and cannot be edited directly within the application.
If your information is incorrect, members may contact WeKongsi Customer Service via WhatsApp at 010-876 8760 for assistance with amendments or updates.
Where can I find participating panel clinics?
Members can search participating MiCare panel clinics through:
- The WeKongsi App
- The MiCare MyMed App
How much do I contribute monthly for the COB?
Fixed Contribution: Enrolled members contribute a fixed RM15 per month specifically for outpatient services.
How is the COB fee collected?
The RM15 COB fee is deducted separately from your Sharing Account every 30 days. The fee is charged monthly while your COB subscription remains active.
When will the COB fee start being deducted?
For new members:
- The COB fee begins after the 90-day waiting period ends and COB becomes active.
For existing eligible members transitioning into COB:
- A prorated deduction may apply during the transition period.
- Normal monthly deductions will then continue according to the member's existing contribution cycle.
Will I still pay my normal WeKongsi contributions?
Yes. COB fees are separate from your normal WeKongsi membership and Sharing Account contributions.
What happens if I fail to maintain the active status in WeKongsi?
Your account status will change to Suspended and your healthcare benefits will be temporarily blocked.
You have 26 days to fix it: you are given a 26-day grace period to pay your outstanding dues and restore your active status.
What happens if my clinic bill exceeds RM120?
Any amount exceeding RM120 per episode will be payable by the member.
What happens if my Telemedicine Services cost exceeds RM120?
Any amount exceeding RM120 per episode for Telemedicine Services (doctor consultation, prescribed medication, and delivery charges) will be payable by the member.
Can I opt-out of COB?
Yes. Members are automatically enrolled in the Conditional Outpatient Benefits (COB) program upon signing up, but you have the flexibility to choose to opt out after enrollment, subject to the program's terms.
Can I opt-in again after opting-out?
Yes, but a waiting period applies. If you decide to opt-in again, you must go through a 90-day waiting period before your outpatient benefits become active.
Please note that your monthly RM15 COB fee will still be deducted during this 90-day waiting period.
What happens if I reactivate from a terminated WeKongsi program?
Reactivating your account means you are treated as completely opting out and opting in again.
What happens if I rejoin the WeKongsi program?
If you rejoin after leaving, you are considered a completely new member and must follow the standard enrollment procedures.
Who should I contact if I have questions about my membership, eligibility, episodes or payments?
Please contact WeKongsi:
WhatsApp: 010-876 8760
Email: [email protected]
Examples:
- Membership status
- COB eligibility
- Waiting period enquiries
- Episode allocation
- Contribution and payment questions
- Personal information updates
Who should I contact if I have issues with the app, clinic visit or healthcare services?
Please contact MiCare:
Call Centre: 1800-88-7940
Email: [email protected]
Examples:
- MiCare MyMed App issues
- E-card access
- Panel clinic verification
- TeleMed access
- Referral letters
- Healthcare service support