I think insurance is a personal matter. No one should tell you whether to get it or not. Besides, you show that you have 500k, can't you solve your health issues? I've never used insurance, I don't understand it
Ukrainians who applied in Cambodia were asked to provide a certificate of income certified by the embassy. The Ukrainian embassy does not certify such a certificate. Dead end. I am currently studying about Laos, if everything is not so strict there.