WEBSITE TERMS OF USE
ProtectHealth Corporation Sdn. Bhd.
Effective Date: IMMEDIATELY
Last Updated: 8TH OCTOBER 2026
1. INTRODUCTION
1.1 This website is operated by ProtectHealth (Company No. 201601041792 / [1212734-T]) (“ProtectHealth“, “we“, “us or “our“).
1.2 ProtectHealth is a wholly-owned subsidiary of ProtectHealth Malaysia and is established under the Ministry of Health Malaysia (“MOH“). ProtectHealth coordinates, administers and manages healthcare financing initiatives and programmes as mandated or authorised by MOH from time to time.
1.3 These Website Terms of Use (“Terms“) govern your access to and use of this website, including all information, content, features, electronic services, forms, portals and other materials made available through the website (“Website“).
1.4 By accessing, browsing or using the Website, you acknowledge that you have read, understood and agreed to be bound by these Terms. If you do not agree to these Terms, you should discontinue use of the Website.
2. PROGRAMMES AND SERVICES
2.1 ProtectHealth may administer, coordinate, implement or provide electronic or administrative services in respect of various healthcare programmes and initiatives, including but not limited to:
(a) Skim Peduli Kesihatan untuk Kumpulan B40 (PeKa B40);
(b) Skim Perubatan MADANI (SPM);
(c) Hospital Services Outsourcing Programme (HSOP);
(d) Skim Perlindungan Insurans Kesihatan Pekerja Asing (SPIKPA);
(e) Promas Vendor Management System (VMS) and
(f) Mediasas and/or DRG-Pay.
(each a “Programme” and collectively, the “Programmes“).
2.2 The availability, scope, eligibility requirements, benefits, services, procedures, participating providers, fees, claims arrangements and other requirements applicable to each Programme are governed by the specific terms and conditions, policies, guidelines, procedures, consent forms, declarations and/or other documents applicable to that Programme (“Programme Terms“).
2.3 The Programme Terms may be amended, replaced, supplemented or withdrawn from time to time in accordance with applicable law, Government policy, MOH directives and the requirements of the relevant Programme.
2.4 Users are responsible for reviewing the applicable Programme Terms before relying on or participating in any Programme.
2.5 In the event of any conflict or inconsistency between these Terms and the applicable Programme Terms, the following order of precedence shall apply:
(a) applicable legislation and regulatory requirements;
(b) applicable Government or MOH directives, policies or requirements;
(c) the applicable Programme Terms; and
(d) these Terms,
unless expressly stated otherwise in the applicable Programme Terms.
3. NATURE OF INFORMATION PROVIDED
3.1 Information published on the Website is provided for general information and reference purposes.
3.2 Unless expressly stated otherwise, information on the Website does not constitute:
(a) medical advice or diagnosis;
(b) a guarantee of eligibility for any Programme;
(c) a guarantee that any particular healthcare service, benefit or provider will be available;
(d) a contractual offer to provide healthcare services; or
(e) professional legal, financial, medical or other professional advice.
3.3 Users should refer to the applicable Programme Terms and official communications issued by ProtectHealth and/or MOH for the governing requirements of each Programme.
4. ELIGIBILITY AND BENEFITS
4.1 Eligibility for any Programme is determined in accordance with the applicable Programme Terms and criteria established by ProtectHealth, MOH, the Government or any other relevant authority.
4.2 Publication of information regarding a Programme on the Website does not by itself confer eligibility or entitlement.
4.3 Programme benefits may be subject to eligibility requirements, benefit limits, geographical or service restrictions, available allocations, programme duration, Government policy and other applicable conditions.
4.4 ProtectHealth reserves the right to verify information provided by users and to determine eligibility in accordance with the applicable Programme requirements.
4.5 ProtectHealth may suspend, vary, withdraw or discontinue any Programme, benefit, service, facility or feature, subject to applicable law and the applicable Programme Terms.
5. PARTICIPATING HEALTHCARE PROVIDERS
5.1 Where a Programme involves participating healthcare providers, the relevant provider must satisfy the applicable appointment, registration, licensing, credentialing and other requirements.
5.2 A reference to a healthcare provider on the Website does not constitute an endorsement, recommendation or guarantee by ProtectHealth of the provider beyond its participation in the relevant Programme.
5.3 The availability of a particular healthcare provider, service or facility may change from time to time. Users should verify the current status of a provider before seeking services.
6. HEALTHCARE SERVICES
6.1 ProtectHealth is not a healthcare provider merely by virtue of administering, coordinating or implementing a Programme.
6.2 Except where expressly stated otherwise, the clinical assessment, diagnosis, treatment, prescription, referral and other professional healthcare decisions remain the responsibility of the relevant registered healthcare professional and/or healthcare provider.
6.3 Nothing on the Website should be relied upon as a substitute for consultation with a qualified healthcare professional.
6.4 In an emergency, users should contact the appropriate emergency medical services or proceed to the nearest appropriate healthcare facility.
7. USER RESPONSIBILITIES
Users agree to:
(a) provide information that is true, accurate, current and complete;
(b) update information where necessary;
(c) use the Website only for lawful purposes;
(d) comply with all applicable Programme Terms;
(e) safeguard any account credentials, verification codes or other access information;
(f) not impersonate another person or misrepresent their identity or eligibility;
(g) not submit fraudulent, misleading or unauthorised claims, documents or information;
(h) not interfere with or attempt to compromise the security, integrity or operation of the Website or any associated system; and
(i) not use the Website for any unlawful, fraudulent, abusive or unauthorised purpose.
8. PROHIBITED ACTIVITIES
Users must not:
(a) gain or attempt to gain unauthorised access to any system, account, database or network;
(b) introduce malicious code, viruses, malware or other harmful material;
(c) interfere with the operation or availability of the Website;
(d) scrape, harvest, reproduce or systematically extract data from the Website without prior written authorisation;
(e) use automated systems to access the Website in a manner that may adversely affect its operation;
(f) submit false, fraudulent or misleading information;
(g) misuse any Programme or benefit; or
(h) engage in any activity that may prejudice ProtectHealth, MOH, participating providers, beneficiaries or other users.
ProtectHealth reserves the right to take appropriate action where misuse or suspected misuse is identified.
9. ACCOUNTS AND ELECTRONIC SERVICES
9.1 Certain services may require registration, authentication or access through a designated portal, application or electronic system.
9.2 Users are responsible for maintaining the confidentiality of their login credentials and for all activities conducted through their accounts, subject to applicable law.
9.3 ProtectHealth may suspend or terminate access where it reasonably believes that an account has been compromised, misused or used in breach of these Terms or the applicable Programme Terms.
9.4 Additional terms may apply to specific electronic systems or portals operated or administered by ProtectHealth.
10. PERSONAL DATA AND PRIVACY
10.1 ProtectHealth may collect, process, use, disclose and retain personal data in connection with the Website and the Programmes in accordance with applicable laws and ProtectHealth’s applicable privacy notices and policies.
10.2 ProtectHealth’s processing of personal data is subject to the Personal Data Protection Act 2010 (Act 709), where applicable, and other applicable laws and regulatory requirements.
10.3 Users should read the applicable Privacy Notice / Privacy Policy as per our website before providing personal data through the Website.
10.4 Where a Programme has a specific privacy notice, consent form or declaration, that document shall apply to the processing of personal data in connection with that Programme.
10.5 ProtectHealth may process and disclose personal data to relevant Government agencies, MOH, healthcare providers, insurers, takaful operators, third-party service providers, claims administrators, technology providers and other parties where permitted or required by applicable law or the relevant Programme Terms.
11. WEBSITE CONTENT AND INTELLECTUAL PROPERTY
11.1 Unless otherwise stated, all content on the Website, including text, graphics, logos, photographs, documents, designs, videos, databases, software and other materials, is owned by or licensed to ProtectHealth.
11.2 Users may access and use Website content for lawful personal or internal purposes only.
11.3 No part of the Website may be reproduced, modified, distributed, published, transmitted, commercially exploited or otherwise used without the prior written consent of ProtectHealth, except where permitted by law.
11.4 The ProtectHealth name, logos, trademarks and programme names may not be used without appropriate authorisation.
12. THIRD-PARTY WEBSITES AND LINKS
12.1 The Website may contain links to third-party websites, platforms or resources.
12.2 Such links are provided for convenience and do not necessarily constitute an endorsement, approval or recommendation by ProtectHealth.
12.3 ProtectHealth is not responsible for the content, availability, security, privacy practices or terms of use of third-party websites.
12.4 Users access third-party websites at their own risk and should review the relevant third party’s terms and privacy policies.
13. ACCURACY AND AVAILABILITY OF INFORMATION
13.1 ProtectHealth takes reasonable steps to ensure that information published on the Website is accurate and current.
13.2 However, ProtectHealth does not warrant that Website information will always be complete, accurate, current or free from errors.
13.3 Programme information may change as a result of changes in Government policy, MOH requirements, legislation, programme allocations, operational requirements or other circumstances.
13.4 ProtectHealth may update, modify, remove or replace Website content at any time without prior notice.
14. AVAILABILITY AND SECURITY
14.1 ProtectHealth does not guarantee that the Website will be continuously available, uninterrupted or error-free.
14.2 The Website may be temporarily unavailable due to maintenance, upgrades, system failures, telecommunications problems, cybersecurity incidents or other circumstances beyond ProtectHealth’s reasonable control.
14.3 ProtectHealth implements reasonable safeguards to protect its systems and information. However, no electronic transmission or internet-based system can be guaranteed to be completely secure.
15. DISCLAIMER
15.1 To the fullest extent permitted by law, ProtectHealth does not warrant that:
(a) the Website will be uninterrupted or error-free;
(b) Website content will always be complete, accurate or current;
(c) the Website will be free from viruses or other harmful components; or
(d) any particular Programme, benefit, service or healthcare provider will remain available.
15.2 Information relating to Government programmes is subject to applicable Government policy, MOH requirements and the relevant Programme Terms.
15.3 Nothing in these Terms excludes or limits any liability which cannot lawfully be excluded or limited under Malaysian law.
16. LIMITATION OF LIABILITY
16.1 To the fullest extent permitted by law, ProtectHealth shall not be liable for any loss, damage, cost or expense arising from:
(a) reliance on information published on the Website;
(b) interruption or unavailability of the Website;
(c) unauthorised access or use of the Website caused by circumstances beyond ProtectHealth’s reasonable control;
(d) the acts or omissions of third-party healthcare providers or other third parties; or
(e) any matter arising from a Programme, except to the extent that such liability arises from ProtectHealth’s own negligence, wilful misconduct or other liability that cannot lawfully be excluded.
16.2 Nothing in these Terms affects any rights or remedies which cannot lawfully be excluded under applicable law.
17. INDEMNITY
17.1 To the extent permitted by law, users agree to indemnify and hold harmless ProtectHealth, its officers, employees and authorised representatives against claims, losses, liabilities, costs and expenses arising from:
(a) the user’s breach of these Terms;
(b) fraudulent, misleading or unauthorised information submitted by the user;
(c) misuse of the Website or any Programme; or
(d) unlawful or unauthorised acts committed by the user.
17.2 This clause shall not apply to the extent that the relevant loss or liability results from the negligence, wilful misconduct or other liability of ProtectHealth which cannot lawfully be excluded.
18. SUSPENSION AND TERMINATION
18.1 ProtectHealth may suspend, restrict or terminate a user’s access to the Website or any electronic service where:
(a) the user breaches these Terms;
(b) fraudulent, abusive or unlawful activity is suspected;
(c) access is necessary to protect the security or integrity of the Website;
(d) required by law or a competent authority; or
(e) reasonably necessary for operational, security or programme-related reasons.
18.2 Suspension or termination of access to the Website does not necessarily affect rights or obligations arising under the applicable Programme Terms.
19. CHANGES TO THESE TERMS
19.1 ProtectHealth may amend these Terms from time to time.
19.2 Updated Terms will be published on the Website and will take effect from the date specified in the updated Terms.
19.3 Continued use of the Website after the effective date of revised Terms constitutes acceptance of the revised Terms, subject to applicable law.
20. GOVERNING LAW AND JURISDICTION
20.1 These Terms shall be governed by and construed in accordance with the laws of Malaysia.
20.2 Any dispute arising out of or in connection with these Terms shall be subject to the jurisdiction of the courts of Malaysia
20.3 Nothing in this clause prevents ProtectHealth from taking any appropriate action before any court or competent authority having jurisdiction where permitted by law.
21. SEVERABILITY
If any provision of these Terms is held to be invalid, illegal or unenforceable, that provision shall, to the extent necessary, be severed or modified without affecting the validity and enforceability of the remaining provisions.
22. NO WAIVER
Failure or delay by ProtectHealth in exercising any right or remedy under these Terms shall not constitute a waiver of that right or remedy.
23. ENTIRE AGREEMENT
These Terms, together with the applicable Programme Terms, Privacy Notice, policies, guidelines, consent forms and other documents expressly incorporated by reference, constitute the terms applicable to the user’s use of the Website and participation in the relevant Programme, to the extent applicable.
24. CONTACT US
For enquiries relating to ProtectHealth or its Programmes:
ProtectHealth Corporation Sdn. Bhd.
F01 & F02, Level 1, Block 2300,
Century Square, Jalan Usahawan,
63000 Cyberjaya, Selangor Darul Ehsan, Malaysia.
General: +603-8687 2525
Email: [email protected]
Programme-specific contact channels may be provided on the relevant Programme webpage.
© ProtectHealth All rights reserved.
WEBSITE ACCESSIBILITY STATEMENT
ProtectHealth Corporation Sdn. Bhd.
Effective Date: IMMEDIATELY
Last Updated: 8TH OCTOBER 2026
1. OUR COMMITMENT
ProtectHealth Corporation Sdn. Bhd. (“ProtectHealth“) is committed to making its website and digital services accessible and usable by as many people as reasonably practicable, including persons with disabilities.
We aim to provide information relating to ProtectHealth and its healthcare programmes in a manner that is clear, accessible and user-friendly.
2. ACCESSIBILITY APPROACH
Where reasonably practicable, ProtectHealth seeks to design and maintain its Website in accordance with recognised web accessibility principles and applicable Malaysian requirements.
ProtectHealth aims to support accessibility features including, where technically practicable:
3. LIMITATIONS
Despite our efforts, some content or functionality may not yet be fully accessible.
This may include content supplied by third parties, archived documents, downloadable documents in older formats, third-party applications or external websites.
ProtectHealth will seek to improve accessibility progressively as part of its website and digital service development.
4. THIRD-PARTY CONTENT
The Website may contain links to or integrate third-party websites, platforms or services.
ProtectHealth does not control the accessibility features of third-party websites and cannot guarantee their accessibility.
5. FEEDBACK AND ASSISTANCE
If you experience difficulty accessing information or using any functionality on the Website, please contact ProtectHealth through the contact details published on the Website.
Where reasonably practicable, please identify:
ProtectHealth will consider reasonable requests for assistance and alternative access arrangements.
6. REVIEW
This Accessibility Statement may be reviewed and updated periodically to reflect improvements to the Website, technological developments and applicable requirements.
7. CONTACT
ProtectHealth Corporation Sdn. Bhd.
F01 & F02, Level 1, Block 2300,
Century Square, Jalan Usahawan,
63000 Cyberjaya, Selangor Darul Ehsan, Malaysia.
General: +603-8687 2525
Email: [email protected]
COPYRIGHT & INTELLECTUAL PROPERTY NOTICE
ProtectHealth Corporation Sdn. Bhd.
1. OWNERSHIP
Unless otherwise stated, the content and materials made available through the ProtectHealth Website (“Website“), including PekaB40, SPM, SPIKPA, PROMAS and HSOP text, graphics, photographs, illustrations, logos, icons, videos, documents, reports, publications, databases, software, designs and other materials, are owned by or licensed to ProtectHealth Corporation Sdn. Bhd. (“ProtectHealth“) and are protected by applicable intellectual property laws.
2. USE OF WEBSITE CONTENT
Subject to these Terms and applicable law, users may access and use Website content for lawful personal, educational or internal purposes.
Users must not, without ProtectHealth’s prior written consent:
(a) reproduce substantial portions of Website content for commercial purposes;
(b) modify, adapt or create derivative works from the content;
(c) systematically extract, scrape or reproduce Website databases or other structured
content;
(d) redistribute or republish Website content as their own;
(e) remove copyright, trademark or other proprietary notices; or
(f) use ProtectHealth’s name, logo, trademarks or other branding in a manner that suggests
endorsement, sponsorship or affiliation without authorisation.
3. PROTECTHEALTH TRADEMARKS
The ProtectHealth name, logo and other ProtectHealth marks are proprietary to ProtectHealth or are used under appropriate authorisation.
Nothing on the Website grants any licence or right to use such marks except with ProtectHealth’s prior written permission.
4. GOVERNMENT AND THIRD-PARTY MATERIAL
Certain information, logos, photographs, documents or other materials may belong to the Government of Malaysia, Ministry of Health Malaysia, programme partners, healthcare providers or other third parties.
Such materials remain subject to the intellectual property rights and usage conditions of their respective owners.
5. USER-SUBMITTED MATERIAL
Where the Website permits users to submit information, documents, feedback or other material, the user remains responsible for ensuring that the submission does not infringe the rights of another person.
By submitting material, the user confirms that the user has the necessary authority and rights to submit that material.
6. PERMITTED USE
Nothing in this Notice prevents any use of Website content that is expressly permitted by applicable law.
7. ENQUIRIES
Requests for permission to reproduce or use ProtectHealth content or intellectual property should be submitted through the official ProtectHealth contact channels.
8. RESERVATION OF RIGHTS
All rights not expressly granted are reserved by ProtectHealth and/or the relevant intellectual property owner.
WEBSITE DISCLAIMER
ProtectHealth Corporation Sdn. Bhd.
1. GENERAL INFORMATION
The information published on this Website is provided for general information and reference purposes.
While ProtectHealth Corporation Sdn. Bhd. (“ProtectHealth“) takes reasonable steps to maintain the accuracy and currency of information published on the Website, ProtectHealth does not warrant that all information will at all times be complete, accurate, current or free from error.
2. GOVERNMENT PROGRAMMES
Information concerning Government healthcare programmes is subject to the applicable laws, policies, directives, guidelines, funding arrangements and operational requirements of the Government of Malaysia and/or the Ministry of Health Malaysia (“MOH“).
The information displayed on the Website does not, by itself, create an unconditional entitlement to any Government healthcare programme, benefit, payment, healthcare service or other assistance.
Eligibility and entitlement shall be determined in accordance with the applicable Programme Terms and the requirements applicable to the relevant programme.
3. PROGRAMME CHANGES
ProtectHealth reserves the right to update information concerning its programmes where there are changes in Government policy, programme scope, eligibility criteria, funding, allocations, participating providers, operational requirements or other relevant circumstances.
A programme, benefit, service or participating provider may be modified, suspended or discontinued in accordance with applicable requirements.
4. MEDICAL INFORMATION
Information relating to health conditions, treatment, screening, healthcare services or medical matters is provided for general informational purposes only.
Such information does not constitute medical advice, diagnosis or treatment.
Users should consult an appropriately qualified healthcare professional regarding their individual healthcare needs.
5. HEALTHCARE PROVIDERS
References to healthcare providers on the Website indicate participation or involvement in a relevant ProtectHealth programme where expressly stated.
Such references do not constitute a general endorsement, recommendation or guarantee of the quality, outcome or suitability of any healthcare provider or healthcare service.
Clinical decisions remain the responsibility of the relevant healthcare professional and healthcare provider.
6. THIRD-PARTY INFORMATION AND LINKS
The Website may contain information, materials or links provided by third parties.
ProtectHealth does not necessarily endorse or guarantee the accuracy, reliability, security or availability of third-party information, websites or services.
Users access third-party websites at their own risk.
7. AVAILABILITY OF WEBSITE
ProtectHealth does not guarantee that the Website or any particular feature will be continuously available, uninterrupted, secure or error-free.
The Website may be unavailable from time to time due to maintenance, upgrades, system failures, cybersecurity incidents, telecommunications failures or other circumstances.
8. NO GUARANTEE
To the fullest extent permitted by law, ProtectHealth makes no representation or warranty that:
9. LIMITATION OF LIABILITY
To the fullest extent permitted by law, ProtectHealth shall not be liable for loss or damage arising from reliance on information contained on the Website, except to the extent such liability cannot lawfully be excluded or arises from ProtectHealth’s own negligence, wilful misconduct or other liability that cannot lawfully be excluded.
10. NO EXCLUSION OF MANDATORY RIGHTS
Nothing in this Disclaimer excludes, restricts or limits any liability, right or remedy that cannot lawfully be excluded, restricted or limited under Malaysian law.
11. GOVERNING LAW
This Disclaimer shall be governed by the laws of Malaysia.
SECURITY & FRAUD ALERT
ProtectHealth Corporation Sdn. Bhd.
1. PROTECTHEALTH’S SECURITY COMMITMENT
ProtectHealth Corporation Sdn. Bhd. (“ProtectHealth“) is committed to protecting the security and integrity of its systems, information and digital services.
ProtectHealth implements reasonable technical, administrative and organisational safeguards appropriate to the nature of the information and services it handles.
2. BEWARE OF IMPERSONATION AND FRAUD
Members of the public should be alert to individuals or organisations falsely claiming to represent ProtectHealth, the Ministry of Health Malaysia (“MOH“) or any ProtectHealth programme.
Fraudulent activities may include:
3. PROTECTHEALTH WILL NOT REQUEST CERTAIN INFORMATION
Unless expressly required through an authorised and secure process, members of the public should be cautious of any person claiming to represent ProtectHealth who requests:
Do not disclose such information to unauthorised persons.
4. VERIFY COMMUNICATIONS
Members of the public should verify that communications concerning ProtectHealth programmes originate from official ProtectHealth channels.
Where there is uncertainty, users should contact ProtectHealth using the contact details published on the official ProtectHealth Website rather than responding directly to a suspicious message.
5. SUSPICIOUS WEBSITES AND LINKS
Do not enter personal, financial or authentication information into websites or applications unless you have verified that they are authorised.
Users should exercise particular caution with links received through unsolicited SMS, email, WhatsApp, social media or other messaging platforms.
6. FRAUDULENT PROGRAMME CLAIMS
ProtectHealth programmes may have specific eligibility criteria, benefit limits and procedures.
ProtectHealth does not authorise individuals to sell, transfer or trade Government healthcare programme benefits.
Any person offering guaranteed eligibility, guaranteed cash payments or other benefits in exchange for money or personal information should be treated as potentially fraudulent.
7. REPORTING SUSPECTED FRAUD
Suspected fraud, impersonation, unauthorised use of the ProtectHealth name or logo, suspicious communications or other security incidents should be reported to ProtectHealth through the official reporting channels published on the Website.
Where appropriate, ProtectHealth may refer suspected criminal or regulatory matters to the relevant enforcement or regulatory authorities.
8. SECURITY INCIDENTS
If you believe that your personal information, account or access credentials may have been compromised, you should:
(a) stop communicating with the suspected individual or source;
(b) do not provide further information;
(c) change affected passwords where applicable;
(d) contact the relevant bank or financial institution immediately if financial information has been compromised; and
(e) report the matter to ProtectHealth and, where appropriate, the relevant authorities.
9. NO LIABILITY FOR THIRD-PARTY FRAUD
ProtectHealth is not responsible for losses arising from fraudulent communications or activities conducted by unauthorised third parties, except to the extent liability arises from ProtectHealth’s own negligence, wilful misconduct or other liability that cannot lawfully be excluded.
10. CONTINUOUS IMPROVEMENT
ProtectHealth may update its security measures, authentication procedures and fraud-prevention controls from time to time in response to emerging threats and applicable requirements.
Website Terms & Conditions for ProtectHealth.