Frequently asked questions
Who is Curaguru?
Curaguru is a fintech company, founded in 2020 in Malaysia, based in KL and providing Instalment plan payment option to the individual clients of various Healthcare providers, including Dental clinics, Eye and Hearing aid clinics. We're cooperating with the best clinics in Malaysia to make their services more affordable for their clients.
​If you want to contact us - we're always open to feedback and proposals - just drop email to ask@curaguru.com. To become a partner - use this form.
What services Curaguru is proposing to patients?
Curaguru is facilitating paying for various medical expenses by individual clients via 3-24 monthly installments, making it easier to get the care at various Healthcare providers and clinics. Check the list of participating providers/clinics here. To know which payment plans are available for you today apply online now.
What services Curaguru is proposing to clinics?
Curaguru is cooperating with numerous clinics to facilitate proposing Installment payment plan as an additional payment option for their individual patients. Curaguru is not issuing or providing loans to clinics.
Is there any overpayment for the patient in case in case of using Curaguru Installment plan?
There is no overpayment when using short term 3x/4x monthly payments plans ("0% Plan" options). For medium term plans of 6x/12x there will be an overpayment of 1%/mo. For long term plans of 18x/24x there will be an overpayment of 1.25%/mo.
Overpayment amount (if any) is calculated as number of monthly installments multiplied on the appropriate overpayment rate. There will be no any other processing or admin fees. To choose the optimal plan you can use calculator.
What instalment plan tenures are available?
Current plans available:
- 3x, 4x monthly installments ("0% Plan" options)
- 6x, 12x, 18x and 24x monthly installments ("Smart plan" options)
How installment amount is calculated?
First total Installment payment price is calculated. For Plan 0% options Installment payment price is the same as healthcare price for the instant payment. For Smart plan options Installment payment price will be healthcare instant payment price plus appropriate overpayment depending on the exact option chosen (see overpayment rates above). Secondly we divide Installment payment price by the number of installments in accordance with the plan chosen by the client. For client's convenience we round all installments amounts (except the last installment, which will be lower) to the whole numbers to the upper side.
What types of healthcare services can be financed by Curaguru Installment plan?
Any dental services including implants, braces, aligners, veneers, root canal treatment, crowns, minor surgery, general dental treatment.
Eye (incl.lasik) and hearing treatment and other services provided by clinics cooperating with Curaguru.
Check the list of participating clinics here.
Who can apply for Installment plan?
Everyone aged 18+ years old, having citizenship of Malaysia, stable source of income of min rm1500/mo and sufficient payment capacity for installments repayment can apply for Installment plan.
What documents should patient sign to get an installment plan?
A standard medical services agreement/consent form between the patient and the clinic and Instalment invoice (containing Instalment repayment schedule details such as monthly payment amounts, due dates, etc.) are only required to be signed by the patient.
What I should do to know what Installment plan options are available for me?
Applicant will only need to apply online in minutes and Curaguru team will do the rest, including conducting reasonable steps to analyze applicant's payment capacity and helping with choosing the right clinic (if required). Applying online will require NRIC only. No need to visit Curaguru office or provide any other documents except NRIC.
Curaguru team is processing all online requests immediately and will inform the applicant about Installment plans available via email at soonest. Once you choose the plan you can start getting care at the clinic chosen.
What is typical turn around time for compiling proposal after submitting online application?
Typically up to 1 hour is required to compile proposal (within 9am-6pm on weekdays and subject to client's contactability). In case application is sent on non-working hours or on weekend/holidays - processing time will be longer.
Can I make a higher (than the other installments) payment as #1 installment? Will it decrease the other Installments? Will it decrease an overpayment when using Smart plans?
Yes, client can always make a higher payment as #1 installment comparing to the other installments. In this case the other installments will also be reduced as we will define it by dividing Installment payment price minus #1 installment by the number of installments left. For client's convenience we will roundup all installments amount (except the last installment) to the whole numbers to the upper side. The last installment then will be lower then the others due to rounding.
Also for Smart plan options the overpayment amount will be decreased in exact proportion of the actual financed amount decrease (where financed amount is clinic's service price less #1 installment payable to the clinic) comparing to the standard case of #1 installment equal to the other installments.
Are there any other products/services Curaguru is providing to the patients?
After successful instalment plan repayment, Curaguru is providing a credit line to the clients. Credit line will be available for the patients to be used to finance any healthcare services within the clinics cooperating with Curaguru.
Can I pay an installment directly to Curaguru bank account?
Yes, you can make a payment directly to Curaguru bank account using the following account details (please state your full name in the reference):
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Bank name: Malayan Banking Berhad
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Account no: 564481 418535 (MYR)
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Account name: Curaguru Solutions Sdn Bhd