Most people in Malaysia do not have medical insurance. When they fall sick, they can always get treatment in government clinics or hospitals found all over the country.
The financial problem arises when they are too ill to go back to work and over an extended period of time, their income will be affected. If one is a member of Social Security, he will be able to file in a claim. Unfortunately, such financial claims are normally a long-winded affair.
In the US, Allsup is one Social Security Disability Representation company that helps disabled people with their disability insurance claim and help get their award faster. I wonder if there is such a helpful service here in the country.