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Turn Everyday Connectivity into Health Protection and Financial Resilience

A next-generation mobile platform combining unlimited connectivity, embedded health protection, and a rewards system that converts daily spending into real savings — designed to help Malaysians manage rising healthcare costs in a market where 56.6% lack private health coverage.

Unlimited Data, Voice & SMS

Embedded Health Protection

Earn from Everyday Spending

Register Organisation Interest

Select your organisation type

Choose your segment to see how Pulse delivers value for your organisation and members.

Employers & SMEs

Professional Associations & Trade Unions

Community & Faith Organisations

Gig Platforms & Freelance Networks

Universities & Student Populations

Healthcare Systems & Provider Networks

What is Pulse

Pulse is a subscription-based mobile platform designed to integrate into organisational, community, and individual ecosystems across Malaysia.
It combines three components into a single daily-use product:
Connectivity
Protection
Rewards
Savings

CONNECTIVITY

  • Unlimited mobile data, voice and SMS
  • Nationwide uninterrupted coverage

EMBEDDED HEALTH PROTECTION

  • Structured, multi-layer protection against healthcare costs
  • 5 core insurance products: Term Life, Group Personal Accident, Group Critical Illness, Group Hospitalisation & Surgical, and Group Outpatient Clinical
  • Designed to help all Malaysians reduce out-of-pocket healthcare costs — including the 56.6% who currently have no private coverage at all
  • Available in both Conventional and Takaful-compliant versions
  • Value Added Services available on premium plans

 SAVINGS & REWARDS

  • Earn value from everyday spending
  • Redeem to offset subscription costs
  • Value Added Services available on premium plans

Embedded Health Protection Structure

Pulse is structured around five core embedded insurance products, providing comprehensive coverage across life, accident, illness, hospitalisation, and outpatient needs:

Up to RM60,000

Financial protection for death or permanent disablement from any cause

  • Death benefit
  • Permanent Disablement benefit
  • Hospital Income

Up to RM60,000

Immediate cash benefits from Day 1 — accidental death, disability, and dengue recuperation

  • Accidental Death & Permanent Total Disability
  • Accidental Hospital Income
  • Dengue Recuperation (confirmed hospitalisation ≥24 hours)
  • Accidental Medical Reimbursement

Day 1 activation — no waiting period

Up to RM60,000

Fixed lump-sum cash payout upon confirmed diagnosis

  • 36 conditions covered (graduated by life-stage)
  • Lump-sum payment upon diagnosis
  • 1 claim per condition per lifetime

Up to RM60,000 annual limit

Cashless hospital admission for medical and surgical treatment

  • Cashless admission at panel hospitals
  • Covers hospitalisation and surgical expenses

Up to RM1,500 annual limit

Reimbursement for outpatient clinical visits

  • GP and Specialist panel access
  • Medications dispensed during visit included
  • Cashless access at Panel Clinics (GP and Specialist)
  • Priority Claims Handling
  • Priority Hospital Discharge

Up to RM60,000

Financial protection for death or permanent disablement from any cause

  • Death benefit
  • Permanent Disablement benefit
  • Hospital Income

Up to RM60,000

Immediate cash benefits from Day 1 — accidental death, disability, and dengue recuperation

  • Accidental Death & Permanent Total Disability
  • Accidental Hospital Income
  • Dengue Recuperation (confirmed hospitalisation ≥24 hours)
  • Accidental Medical Reimbursement

Day 1 activation — no waiting period

Up to RM60,000

Fixed lump-sum cash payout upon confirmed diagnosis

  • 36 conditions covered (graduated by life-stage)
  • Lump-sum payment upon diagnosis
  • 1 claim per condition per lifetime

Up to RM60,000 annual limit

Cashless hospital admission for medical and surgical treatment

  • Cashless admission at panel hospitals
  • Covers hospitalisation and surgical expenses

Up to RM1,500 annual limit

Reimbursement for outpatient clinical visits

  • GP and Specialist panel access
  • Medications dispensed during visit included
  • Cashless access at Panel Clinics (GP and Specialist)

  • Priority Claims Handling
  • Priority Hospital Discharge

Programme Design Principles

Pulse uses a multi-layer resilience framework:
Life Protection Layer
Financial security for death or permanent disablement from any cause
Personal Accident Protection Layer
Accidental death, disablement, hospital income, and medical reimbursement from Day 1
Critical Illness Layer
Catastrophic financial risk — lump-sum payout on confirmed diagnosis
Hospitalisation & Surgical Layer
Cashless admission covering medical and surgical treatment
Outpatient Layer
Cashless GP and specialist visits at Panel Clinics

How Pulse Creates Value
Across Different Ecosystems

Pulse is structured across three complementary protection layers:

Employers

  • Promote a visible, everyday benefit at no cost to the organisation
  • Improve retention, satisfaction, and workforce stability
  • Reduce financial stress impacting productivity
  • Bridge the health protection gap — only 15% of SMEs offer coverage
  • Complement existing workplace benefits programmes

Trade Unions

  • Strengthen member value and relevance
  • Deliver tangible, everyday financial and healthcare support
  • Enhance collective bargaining positioning with added member benefits
  • Support member wellbeing across diverse employment conditions
  • Provide a scalable benefit across unionised populations

Community & Faith Organisations

  • Strengthen family financial resilience
  • Improve access to healthcare support
  • Support household stability and wellbeing
  • Extend care into community ecosystems

Gig Platforms & Freelance Networks

  • Support independent and distributed workers
  • Reduce financial vulnerability from healthcare costs
  • Increase platform loyalty and engagement
  • Offer benefits-like value without traditional employment structures
  • Differentiate platform offering in competitive markets

Universities & Student Populations

  • Provide affordable, accessible health and financial support
  • Reduce financial stress impacting academic outcomes
  • Extend support beyond campus facilities
  • Increase student engagement through mobile-first delivery
  • Support both local and international student populations

Healthcare Systems & Provider Networks

  • Extend patient support beyond clinical environments
  • Improve engagement and continuity of care
  • Support preventative care and early intervention
  • Reduce uncompensated care exposure
  • Strengthen population health management strategies

Employers

  • Promote a visible, everyday benefit at no cost to the organisation
  • Improve retention, satisfaction, and workforce stability
  • Reduce financial stress impacting productivity
  • Bridge the health protection gap — only 15% of SMEs offer coverage
  • Complement existing workplace benefits programmes

Trade Unions

  • Strengthen member value and relevance
  • Deliver tangible, everyday financial and healthcare support
  • Enhance collective bargaining positioning with added member benefits
  • Support member wellbeing across diverse employment conditions
  • Provide a scalable benefit across unionised populations

Community & Faith Organisations

  • Strengthen family financial resilience
  • Improve access to healthcare support
  • Support household stability and wellbeing
  • Extend care into community ecosystems

Gig Platforms & Freelance Networks

  • Support independent and distributed workers
  • Reduce financial vulnerability from healthcare costs
  • Increase platform loyalty and engagement
  • Offer benefits-like value without traditional employment structures
  • Differentiate platform offering in competitive markets

Universities & Student Populations

  • Provide affordable, accessible health and financial support
  • Reduce financial stress impacting academic outcomes
  • Extend support beyond campus facilities
  • Increase student engagement through mobile-first delivery
  • Support both local and international student populations

Healthcare Systems & Provider Networks

  • Extend patient support beyond clinical environments
  • Improve engagement and continuity of care
  • Support preventative care and early intervention
  • Reduce uncompensated care exposure
  • Strengthen population health management strategies

Organisation-Based Subscribers:

Members subscribing via any collaborating organisation receive up to 30% discount on the standard subscription rate.

Malaysia Pilot Partner Programme
(2026–2027)

Pilot Objectives:

  • Evaluate adoption across different population types
  • Measure engagement, retention, and satisfaction
  • Validate real-world usage across:

Term Life, Personal Accident, Critical Illness, Hospitalisation & Surgical, and Outpatient Clinical claims

Connectivity performance

Savings and rewards behaviour

  • Test integration with existing systems
  • Enable continuous product improvement based on real usage

Pilot Includes:

  • Early access to Pulse platform
  • Structured onboarding and support
  • Feedback loop with product team
  • Participation in programme design evolution

Eligibility:

  • Available to all Malaysian residents aged 16 and above
  • Organisations of any size across all ecosystems
  • Individuals — no employer or group membership required

Implementation & Compliance
(Platform Infrastructure)

Pulse is designed for compliant, scalable deployment across Malaysia’s healthcare, telecom, and financial ecosystems.

Regulatory & Insurance Framework

  • Structured under BNM (Bank Negara Malaysia) regulatory standards
  • Delivered with BNM-licensed insurance partners and takaful providers
  • Compliant with FSA (Financial Services Act 2013) and IFSA (Islamic Financial Services Act 2013)
  • All benefits structured as Fixed Benefit / Fixed Indemnity products under FSA 2013 and IFSA 2013
  • Designed to complement existing public healthcare and employer-provided coverage

Connectivity Infrastructure

  • Delivered as an MVNO in partnership with a leading telco
  • Nationwide coverage
  • Built for reliability and performance

Connectivity Infrastructure

  • Phased rollout aligned with programme launch timeline
  • Dedicated onboarding and pilot support
  • Coordinated execution across insurance, telecom, and merchant partners

Regulatory & Insurance Framework

  • Supported by established online and in-store merchant networks
  • Enables nationwide earning and redemption of Pulse credits
  • Pulse Credits reduce effective monthly subscription cost

Full implementation details available upon request.

Register for Early Pilot Consideration

No obligation. For evaluation purposes only.

Built With Established Industry Partners

Telecom infrastructure
Licensed insurers and takaful operators
Merchant networks
Pulse transforms your mobile plan into something more. One plan that keeps you connected, protects what matters, and rewards your everyday life.
Launching Malaysia — Expanding Across APAC
Contact
Privacy / Compliance
  • Privacy Policy
  • Terms of Service
  • PDPA Compliance
Malaysian pilot operations comply strictly with BNM insurance regulations and PDPA requirements.