i can whole heatedly agree with you on the Putrajaya hospital issue, my nightmare ambulance ride and 4 hours of not knowing what was going on coupled with the fact that they said the only injury i had was to my leg and that they couldn't opperate for 5 or 6 days due to staffing problems didn't inspire much confidence and if i had known this before hand i would definatly have set something up with sepang to have gone directly to Pantai
luckily i had my own private medical insurance and got transfered to Pantai where the tratment and facilities were second to none, If you need major metal work i can highly reconmend doctor J K Lee, top dpc, even if he is a bit sarcastic
the nurses are pretty and attentive too, although this did annoy the wife somewhat !
on the subject of costs i found it to be very inexpensive with 6 days in ICU a further 7 in a private room, a 7 hour opp, stainless steel plates and a bucket of screws, full body scan and X-rays with enough drugs to keep the reaper away came to about RM40k
so for the usual off at the track where you end up with a plate in the shoulder i would think the RM20k you get with the race licence would more than cover it!!
My insureance company never questioned the fact that i was on the track and never once made me feel they wouldn't pay everything, even offering to repatriate me after i got out. It is an international expat policy and doesn't cover you in your home country so if your malaysian i wouldn't be any use sorry, but for the ex-pats out there my premium of £400 seemed a small price to pay for £6k+ of excelent treatment and also covers you world wide (except the US and Canada)
MSS37, does the AAM insurance only cover you for race weekends, or is it any time you are on the track?
be safe out there