Then is it better to self pay 1st then claim from Insurance after discharge?

if you bumi just utilize your ASNB as personal insurancs, put in money there as if you are paying for health insurance every month. At least if it's your own ASNB no "reject" when claim lol

Sometime private hospitals also sikitx2 surgery, aplj pun surgery ada insurance pun tak ada nyawa keep surgery dllm if you see the doctor keep asking you sikitx2 pun surgery change doctor and hospital lah especially you have medical insurance.

You would be surprised if you see the itemised bill if you're on a medical card.

I was warded last month for 3-4 days for food poisoning. Total Bill amount to almost rm7k.

Room and board for a 4 bedded room is RM110 per day (cheapest). Single bedded room can be up to RM400++ per day.

The only expensive procedures for mine were blood tests and ultrasound. The rest are just normal BP/Temperature checking every 3-4 hours, administer drips/medicines etc. Which they will charge every single time, every piece of alcohol swabs, every piece of ear probe they need to change while checking your temps, nothing is free.

Everytime doctor visits you in ward, they will charge you consultation charge of RM100++ per visit, even though its just to talk to you for less than a minute. If they come in and check on you while you're asleep, they will charge too cos its considered a visit. Weekend/Public Holiday visits, will charge you 1.5x normal rate. Imagine doctor come and check on you 3 times a day for 10 days.

You should see how they charge some of the meds, by tablets. One capsule/tablet is equivalent price to one TAB/BOX if you buy outside. Even the small plastic cup to put the meds in while they hand the meds to you they will charge.

Plus all the miscellaneous charges, use of equipment charges, every single time they change your bed sheets etc

So, RM19k for 10 days, its pretty normal. Could've been worse.