a friend had lung infection and mild pnuemonia, she couldn't breath so she had to be admitted. end up staying for 4 nights, no surgery, just antibiotics injection and monitoring. end up the bill was RM7k+

my own experience, 3 month old baby had high fever (38C), had to be admitted and stayed for 4 nights, antibiotics injection as well, single room. bill was RM5k+, paid out of own pocket (claimed later), if i used my medical card it would have been RM10k+.

insurance companies also a business, business is all about making profit.