Frequently Asked Questions
Everything you need to know about Hibisca. Can't find the answer? Contact us.
How is this different from a bank loan?
No collateral, no guarantor, and no interest — just a fixed fee you see in ringgit before you confirm. Approval takes 24 hours instead of weeks, and you repay from claims you have already earned.
Is it Shariah compliant?
Yes. Hibisca's advance credit is structured under Islamic finance principles and certified by SC-licensed Shariah advisers.
Do I need collateral or a guarantor?
No. Your Panel claims are all we need. Nothing else is pledged.
How much can I get?
Up to 5 months of your monthly Panel claims. Connect your account and we will confirm your exact limit within 24 hours.
How do I repay?
Weekly, from your Panel claims, automatically, on a fixed schedule agreed before you confirm. You never transfer anything manually and never chase a due date.
What if my claims are lower one month?
Your repayment comes out of whatever settles, so a slower month simply takes a little longer — and there is no late payment penalty.
Does the money come to my bank account?
No. Hibisca pays your vendors directly — your landlord, your staff, your pharmacy supplier.
Do I need a credit check (CCRIS/CTOS)?
No. Your limit is based on your clinic's claims record with PMCare, not personal credit scores. We never run CCRIS or CTOS checks.
What does Hibisca cost?
Two charges: RM299 a month for the platform, and a fee on each bill we pay. The fee is fixed and shown in ringgit before you confirm. No interest, no setup charge, no late payment penalty, no hidden charges.
What if I want to stop?
Cancel any month. You finish repaying what Hibisca has already paid out, and there is no exit fee.
Is my data secure?
Yes. Your claims data is read-only through the PMCare Mediline integration. We use bank-grade encryption and never share your data with third parties. Hibisca is a PMCare-approved partner.
Which TPAs does Hibisca work with?
Hibisca currently works with PMCare (via Mediline), Compumed, and Red Alert.