How to Use Your Insurance Panel at a Clinic in Malaysia

A panel clinic is a healthcare provider that has a direct billing agreement with one or more insurance companies or managed care organisations (MCOs). When you visit a panel clinic, the clinic bills your insurer directly for the consultation, medication, and tests — you receive treatment without paying upfront. This is called a cashless medical benefit. The system involves three parties: you (the employee or policyholder) who visits the panel clinic and shows your panel credentials; the panel clinic such as Klinik Muhibbah that treats you and submits a claim; and the insurer or MCO such as eBen Assist, ETIQA, or Terragon that receives the claim and pays the clinic. Most corporate medical insurance policies in Malaysia operate through MCOs (Managed Care Organisations) rather than directly. Common MCOs include eBen Assist, Terragon Medical, Health Connect, Mednefits, IHP Singapore, and MADANI. Klinik Muhibbah is a registered panel clinic for 8 insurers and MCOs: MAY BANK ETIQA, eBen Assist, HEALTH CONNECT, TERRAGON, TORISHIMA, MADANI, MEDNEFITS, and IHP Singapore. If your employer uses any of these, you can visit Klinik Muhibbah without paying out-of-pocket for covered services. Not on our panel list? Contact us — panel arrangements change periodically and we may have recently added your insurer.

To use your panel benefits seamlessly, bring the following: 1. Panel card or digital credential: most insurers provide a physical panel card or a digital card in their app. Some MCOs like Mednefits and eBen Assist use app-based verification — no physical card needed. Others require a physical card. 2. MyKad or NRIC: your identity card for registration and claim purposes. 3. Employer or policy details on your first visit: you may need to provide your company name, employee ID, or policy number. 4. Medication list: if you take regular prescription medication, bring a list or previous prescription. Arriving at the clinic: inform the receptionist that you are a panel patient and which insurer or MCO you are using. The clinic will verify your eligibility via an online portal before the consultation. This confirms you are within your annual benefit limit and that your employment is still active. If verification fails: common reasons include exhausted annual benefit limit, lapsed policy, incorrect details, or a system delay. In this case you will need to pay and claim reimbursement later. Keep all receipts for your reimbursement claim.

Klinik Muhibbah accepts 8 corporate insurance panels, making us a convenient choice for employees in Pasir Gudang, Masai, Permas Jaya, and surrounding areas. Step 1: Confirm your panel is accepted — call +60 7-251 1162, WhatsApp +60 17-500 7205, or check our website. Current accepted panels: MAY BANK ETIQA, eBen Assist, HEALTH CONNECT, TERRAGON, TORISHIMA, MADANI, MEDNEFITS, IHP Singapore. Step 2: Walk in during operating hours — Mon to Thu and Sat 9AM to 9PM, Fri and Sun 9AM to 3PM. No appointment needed for most visits. Step 3: Inform reception that you are a panel patient and which insurer you are on. They will verify eligibility before your consultation. Step 4: See the doctor — consultation, examination, tests, and medication proceed as normal. Step 5: Sign and go — if covered, sign the direct billing form. Pay only your co-payment if applicable. For employees whose insurer is not yet on our panel: we welcome fee-for-service patients and can provide receipts for manual reimbursement claims. Some insurers allow you to choose any clinic for reimbursement, giving you the flexibility to use Klinik Muhibbah regardless of your panel status.