Lyndung Sdn. Bhd. is not an insurance/takaful company. Thus, we do not offer any insurance/takaful products. Please read full disclaimer before you consider joining Lyndung Community Sharing Programme.

Share Your Medical Expenses with the Community

Affordable & Inclusive Solution for Everyone

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Why do we need Lyndung?

Because no Malaysian should face medical costs alone. Lyndung brings the community together to prevent delayed treatment and make expensive medical care more accessible.

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Family standing under umbrella

How many individuals are insured?

Only 22% of the population are covered by Personal Health Insurance
Institute for Public Health 2020

Man sitting beside medical cost display

Reason for not having Personal Health Insurance:

43% Malaysians could not afford
Institute for Public Health 2020

What makes Lyndung invaluable?

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Credible Trustee

Safeguarding members' Sharing Contributions and ensuring transparency in fund usage

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Shariah Compliance

Lyndung maintains full Shariah compliance under the guidance of Sharlife

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eKYC

eKYC registration system for onboarding of new community member powered by CTOS

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Reputable Third-Party Administrator (TPA)

Hospitalisation and claims are managed by eMAS, with over 200 panel hospitals nationwide

Coming soon
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Blockchain Technology

All transaction related to trust account are published in the public ledger via blockchain technology

Coming soon
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Decentralised Decision

Members will have a say in deciding future direction of Lyndung

How Lyndung Works

Understand the full journey from registration to renewal, including how contributions and medical sharing are handled as a Lyndung member.

Registration

Here's how our registration flow looks like

Open to individuals aged 14 days-45 years old without pre-existing illness.
eKYC

Members pay one of the following membership fees:

  • RM 360 annually, OR
  • RM 100 quarterly, OR
  • RM 40 monthly, AND
  • A preferred choice of Initial Sharing Contribution (Iltizam bi al-Tabarru') to help share members' medical expenses.

*Up to RM 10,000 accidental medical bills and up to RM 10,000 khairat kematian

*First 90 days

As Member

Here's what you need to know as Lyndung Member

Total member's actual medical cost will be shared among members accordingly.
Monthly sharing is capped at RM50 (standard) per month

Sharing method:

  • Medical Cost: RM 20,000
  • Total Members: 2,000
  • Shared Cost: RM 10 per Member

*Up to RM 1 million medical bills excluding treatment for Specific Illnesses

*Day 91 to 180 onwards

Renewal

Here's how our registration flow looks like

Membership fees are renewed at the end of each payment cycle, as follows:

  • Annual plan: RM 360 at the end of every one-year cycle
  • Quarterly plan: RM 100 at the end of every quarterly cycle
  • Monthly plan: RM 40 at the end of every monthly cycle
There is NO renewal required for the initial sharing contribution (Iltizam bi al-Tabarru').

*Up to RM 1 million medical bills, including treatment for Specific Illnesses

*Day 181 onwards

Shariah Compliance Certificate

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Shariah compliance certificate

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