If you want to publicise your issue, then probably you can write to Malay Mail. The don't just print your rants but also ask for explanation from company you are complaining about. I see a lot of times, when problems published in Malay Mail, companies move their butts, say sorry to the guy who complain and resolve everything.

Having said that, I never really trusted insurance. Just get a basic insurance, if you die or get crippled they have to pay, can't cheat about those kind of things. The rest of money invest and save up. Insurance is mostly for old age when you are likely to get lots of problems, while companies will claim good to start young so you are covered at old age, but when you get to old age they'll try to boot you out. Also you'll reduce your life span out of heart ache when dealing with them regarding compensations.

The French people pay a lot of tax, but they don't complain about that because the medical facilities and etc there is excellent. Hard to trust welfare systems provided by private sector coz for them bottom line is profit. Private charitable organizations also cannot be trusted, eg like Balkis where charity recipients were the Menteri's wives, and not the needy. I think if we can get all the public money is wasted by corruption and etc, it would be more than enough to give proper health care to everybody. If that's ever gonna happen, first have to vote out current government.

Err.. you obviously haven't been to a public hospital. When I started job I went to University Hospital, waiting area not enough to accomodate all the people waiting, for some of the doctors, queues were so long, had to deal with extremely rude nurses who treated me like I came begging for money. Then I found out that my company policy lets me get treatment in private medical centers as well, it felt like walking from Hell into Heaven.

While I agree that some of the best doctors are in public hospitals, the nurses and doctors there are way too overworked. We need more hospitals.