I just undergo an endoscopy surgery at assunta hospital.
Cost me around rm1.1k just for checking purpose.
Lucky my insurance covered.
Using GEL medical card here.

Well, different ppl have different thinking. If you think your financial status is way high safe and have a lot to spare if emergency happened, you may not buy.
If you think you are at moderate state and can't afford emergency payroll, why not pay few hundred bucks for an emergency fund (insurance).