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Awaiting AIA Insurance To Approve Laser Hemorrhoido Plasty (LHP) Operation @ KPJ Klang Specialist Hospital Experience

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During the afternoon, the pain on my "back" seems to be not going "automatically self healing" in someway. Anyways, I followed my parents to go to the KPJ Klang Specialist Hospital for my check up. Upon arrival, I asked the staff about the "Hemorrhoids" treatment from Dr. Hue and she say the doctor is out for lunch hour and will be back by 2.30pm while I waiting at below.
Besides, the consultation fee cost about RM150 and I was still on consideration whether want to check at there or not as below.
After having our lunch, we went back again and I see for Dr hue consultation. After checking, he say that I need to go through a small operation / surgery to cut out "something" from my backside. However, the Laser Hemorrhoido Plasty (LHP) operation cost for RM6,000~RM9,000 and I suddenly have a shock because I don't have such money and wouldn't want to spend so much on my medical fee even if I have that amount. Anyways, I told him that I need to check with my current AIA Insurance medical card whether can cover my medical fee or not. After some moment, I give my medical card and IC while waiting the agency to approve my LHP treatment after I signed a document as below.
During the moment while waiting for the approval, I just having a lot of thoughts again while sitting at the sofa below.
I wonder who will really pay for your medical fee if you don't have any medical card? Who would really take care of you when you're sick? In the end, medical card not approved here, gonna go other place. This is the story of poor people can't get medication?
=.=

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