Salam alaikum

Medical treatment is in the area of extreme necessity that if it takes to use insurance to provide it, it should be fine and ok. Here we are not making a Riba based contract Halal, but rather we are saying because of the importance of saving the human we allow an exemption of using such insurance. Now this matter must be conditioned with the unavailability of free health service or Islamic insurance.

Now I am not sure but maybe there could be an Islamic insurance service over there try to see if it does exist and if you can use it.