What We Kongsi does

We Kongsi is a Malaysia-based community health management platform operated by Kita Kongsi Sdn Bhd, headquartered in Kuala Lumpur. The platform enables voluntary cost-sharing of inpatient medical expenses among its individual members, explicitly positioning itself as non-insurance and non-takaful — risk is shared among the community rather than transferred to a corporate underwriter. Members contribute standardized fees (RM50 per month or RM360 annually, flat across all ages) into a Sharing Account administered by the company and safeguarded by a licensed trustee. Eligible medical bills are settled from the community-funded pool.

The underlying technology is a community management platform combining a mobile application (app.wekongsi.com) and web portal with deep Third-Party Administrator integrations: eMAS provides access to 250+ panel hospitals and MiCare provides access to 4,000+ panel clinics nationwide. Payment processing is handled by Curlec, with transactions appearing under standardized billing descriptors. The product surface comprises three components: We Kongsi (core membership and account management), We Share (medical expense cost-sharing), and We Care (an expanding bundle of Tele-Health, Tele-Medicine, Tele-Care, Tele-Pharmacy, health activities, health devices, health checkups, and clinic collaborations). The platform holds a Shariah Compliance Certificate issued by Afsha Shariah Advisory Sdn Bhd, valid through 2026.

Go-to-market is community-led and direct-to-consumer: the platform acquires individual members through its website, Facebook page (facebook.com/wekongsi.health), WhatsApp contact, and word-of-mouth referrals within the community. As of July 2026, We Kongsi reported 6,468 active members and RM388,080 in shared medical costs for that month (RM60 per member), with cumulative shared amount of RM4,161,752.85. Pricing is publicly disclosed and age-flat, and the company operates with approximately 8 employees. No venture capital or private equity investment has been disclosed, and the company remains privately held.

Name

We Kongsi

Legal name

Kita Kongsi Sdn Bhd

Website

https://wekongsi.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

We Kongsi is a Malaysia-based community health cost-sharing platform operated by Kita Kongsi Sdn Bhd. Individual members pay standardized fees into a shared pool that funds inpatient medical expenses through partnerships with 250+ panel hospitals and 4,000+ panel clinics nationwide.

Ownership category

akta.pro rank

Product category

Healthcare Cost-Sharing Platform

NAICS

Other Individual and Family Services (624190)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Membership/Subscription Concierge Virtual Care (HLALAAAH)

akta.pro secondary industry

Primary Care & General Medicine Virtual Care (HLALAAAA)

Keywords

• Healthcare cost-sharing
• Community health platform
• Medical expense sharing
• Shariah-compliant healthcare
• Hospitalization benefits

Headquarters

HQ city

Kuala Lumpur

HQ country

Malaysia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Membership Fees: Members pay annual membership fees (RM360 for all ages when paid annually, or RM50 or lesser per month) for participation in the community cost-sharing program.
2. Sharing Account Contributions: Members contribute to their Sharing Account for medical expense sharing. Payments are processed through partner Curlec and appear as 'CURLEC MY-ECOM' or 'CURLEC MY-RECURRING' on bank statements.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

We Kongsi is a community health management platform that enables members to voluntarily share each other's medical expenses through a community-funded pool. Members pay a standardized annual membership fee (RM360) or monthly fee (RM50 or lesser) and gain access to a nationwide network of 250+ panel hospitals via eMAS and 4,000+ panel clinics via MiCare, where the community shares inpatient medical costs. The platform also bundles telehealth, tele-medicine, tele-care, and tele-pharmacy services under the We Care offering to enhance member benefits.

Product overview

We Kongsi operates as a unified community health management platform rather than insurance, comprising three integrated components: the core We Kongsi platform for membership and account management, the We Share module for community-funded medical expense cost sharing, and the We Care service bundle offering telehealth and additional healthcare services. The platform is accessible via both web and mobile application, connecting members to a network of hospitals and clinics for medical expense sharing.

Differentiator

Problem solved

Functional benefit

Products and services

• We Kongsi Community Health Management Program A community health management program that enables members to voluntarily share each other's medical expenses. Members pay a standardized membership fee (RM360 annually or RM50 monthly) and gain access to a nationwide network of 250+ panel hospitals via eMAS and 4,000+ panel clinics via MiCare, where the community shares qualified inpatient medical costs through a community-funded pool. Operates under Shariah compliance reviewed by Afsha Shariah Advisory Sdn Bhd.
• We Kongsi Mobile App Self-service mobile application at app.wekongsi.com that allows members to register, manage their membership accounts, view their Sharing Account contributions, and access We Kongsi platform services from mobile devices.

Quantifiable outcome

• RM 388,080.00 shared medical cost for July 2026 across 6,468 active members

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core.

• eMAScoreTechnology or IntegrationThird-Party Administrator (TPA) providing access to We Kongsi's network of 250+ panel hospitals nationwide. Through this partnership, members can access hospitalization benefits at participating private and government hospitals across Malaysia.
• MiCarecoreTechnology or IntegrationClinic network partner providing access to 4,000+ panel clinics nationwide. Members use MiCare hotline (1800 88 7940) and present their IC number under 'Employee IC' field at clinics.
• Afsha Shariah Advisory Sdn BhdcoreOthersIslamic Shariah advisory firm that reviews and endorses the We Kongsi community cost-sharing program as Shariah-compliant. Certificate valid until 2026.
• CurleccoreTechnology or IntegrationPayment processing partner handling recurring membership fee payments and Sharing Account contributions. Payments appear as 'CURLEC MY-ECOM' or 'CURLEC MY-RECURRING' on bank statements.
• Kita Kongsi Sdn BhdcoreOthersLegal entity and Administrator of the We Kongsi program, responsible for managing membership, processing medical claims, and maintaining compliance with program guidelines.
• Licensed TrusteecoreOthersLicensed trustee partner that manages and safeguards member sharing fees, ensuring funds are properly managed and protected.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Sedera: US-based community healthcare cost-sharing ministry that operates a voluntary membership model where members share each other's medical expenses. Structurally analogous to We Kongsi's We Share model, though without Shariah positioning.
• Zion HealthShare: Faith-based healthcare sharing ministry that pools member contributions to share medical costs. Directly comparable to We Kongsi in offering a community-funded alternative to traditional health insurance.
• Samaritan Ministries: Faith-based healthcare sharing community where members send monthly shares directly to other members with medical needs. Closely parallels We Kongsi's voluntary community cost-sharing structure.
• Christian Healthcare Ministries: One of the largest US healthcare sharing ministries, with a community cost-sharing model where members share medical bills through monthly contributions. Mirrors We Kongsi's voluntary, non-insurance approach to healthcare affordability.
• OneShare Health: Faith-based healthcare sharing ministry offering programs where members share medical expenses. Closely comparable to We Kongsi's alternative-to-insurance positioning for individuals seeking community-funded healthcare.
• Liberty HealthShare: Healthcare sharing ministry that facilitates member-to-member medical cost sharing. Operates the same voluntary cost-sharing model as We Kongsi for individuals seeking an alternative to traditional insurance coverage.

Broad incumbents

• Etiqa: Major Malaysian insurance and takaful provider offering comprehensive health coverage including hospital and surgical plans. Competes for similar customers seeking affordable healthcare solutions but via licensed insurance products with full regulatory backing.
• Takaful Malaysia: Malaysia's largest takaful operator offering Shariah-compliant insurance products. Targets the same Muslim-majority segment as We Kongsi but through licensed takaful rather than community cost-sharing.
• Prudential BSN Takaful: Leading Malaysian takaful operator offering Shariah-compliant health protection products. Competes for the same customer base seeking affordable, Shariah-compliant healthcare coverage, but with stronger regulatory and capital backing.

Emerging players

• Doctor Anywhere: Southeast Asian telehealth platform offering subscription-based virtual care. Comparable to We Kongsi in subscription model and digital health delivery, intersecting with We Kongsi's planned We Care telehealth services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/wekongsi.health
• LinkedInlinkedin.com/company/we-kongsi

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about We Kongsi