MADANI Panel Clinic in Johor Bahru

Skim Perubatan MADANI is a Ministry of Health initiative, administered by ProtectHealth, that lets B40 Malaysians get acute primary care at participating private GP clinics instead of queueing at a klinik kesihatan. Klinik Muhibbah is one of those clinics.

The part most people get wrong is the registration. There is none. If you receive Sumbangan Tunai Rahmah, you are already eligible, and eligibility is confirmed at the counter when you present your IC. No form, no application, no waiting period, no card to collect.

You can check before you come — through MySejahtera, or the Skim Perubatan MADANI website or app — but you do not need to. Bring your IC and the counter will tell you in a moment.

This matters because the scheme's take-up has been held back mostly by people not knowing they qualify. If you receive STR and you have been paying for GP visits, you have been paying for something you were entitled to.

The scheme works as an annual allocation rather than unlimited free treatment, and knowing the numbers helps you plan rather than be surprised.

The yearly allocation is RM250 for a household, RM125 for a senior citizen without a spouse, and RM75 for a single person.

Within a visit, consultation and medication share a combined limit of RM70, of which the consultation fee itself is capped at RM35. Treatment procedures carry a separate limit of RM50.

Read together, that covers an ordinary acute visit — a fever, an infection, a stomach upset, a wound that needs dressing — comfortably. What it is not designed to do is fund the long-term management of a chronic condition across a whole year, and it is honest to say so rather than let you discover it in October.

When the allocation is used up, treatment continues as a normal paying visit. Ask at the counter how much of your allocation remains before you agree to anything, particularly late in the year. Staff can see it, and you are entitled to know.

The scheme is built for acute primary care: the illnesses that arrive suddenly and need seeing now. Consultation, a defined list of medications, certain treatment procedures and certain tests fall inside it.

What sits outside it at any clinic is anything that is not acute primary care. Occupational health work — FOMEMA, pre-employment medicals, drug screening, audiometry — is employer-related and is not part of the scheme. Neither is a medical report requested by a third party.

If you are B40 and aged 40 or over, there is a second scheme worth knowing about that most patients do not connect to this one: PEKA B40 gives you a free health screening covering physical examination, blood and urine tests, mental health assessment and targeted cancer screening. MADANI treats you when you fall ill; PEKA B40 checks you when you are well. They are separate schemes and you may qualify for both.

Bring your IC. Walk in during opening hours — Monday to Thursday and Saturday 9AM to 9PM, Friday and Sunday 9AM to 3PM. Ask the counter to check MADANI before you are seen, not after.