~Battousai~,

you would need two insurances in this case if you want a hospitalisation benefit. for your health insurance there are many many general insurance options. do you have a budget or preferences? this will pretty determine the choice of H&S that you will (have) to make.

what exactly do you want to cover when you say "unable to work the insurance will cover me". do you require a daily / monthly cash benefit if you are unabel to work? if so how long should the payout take place and under what circumstances. to some extend the lump-sum payment of a CI may be what you want. if you only want cover in case of accident, a good PI policy might be what you are looking for. as far as i know there is no malaysian policy that will cover you with a monthly payment or lumpsum payment if for any reason you should be unable to work. with some luck you might however be able to get such a policy from abroad. but: such a policy (unless its lumpsum) will be pretty expensive, i would assume a couple of thousand ringgit in your case per annum.