Most people are unable to afford exorbitant medical fee.

Answer

Medical aid insurance is haraam. If halaal mutton is not available, it does not mean that pork should be eaten even if it carries some moron carrion halaalizer's 'halaal' logo. In this world there are tests and trials for our Imaan. This world is the arena for the conflict between Imaan and kufr – halaal and haraam. Little sacrifices have to be made. The life of comfort and happiness is in the Hereafter. This world is not Jannat. So expect difficulties and trials. We have explained the prohibition of medical aid in detail in two books. If you require these books, provide your postal address.