The top ten most claimed illnesses under medical insurance include pneumonia, influenza, and fever, says the Finance Ministry. Deputy Minister Lim Hui Ying, responding to Sim Tze Tzin (PH-Bayan Baru) during the ministerial Q&A session in the Dewan Rakyat on Wednesday (Feb 26), noted that in some cases, treatment costs for patients using pay-and-claim insurance were lower than for those with guarantee letters. She added that while the government has not considered a national health insurance sche