I did a presentation on 23rd June 2012 at Singapore Cancer Society Forum on importance of insurance in Mandarin.

Two considerations are :

钱不是万能
没钱是万万不能

Money is not the ultimate but without money, it is diffuclt. In event of unforseen situation, one can be a burden to family and relatives and friends. How have we plan to cover our life and medical cost ? Dying is not the ultimate but will we leave behind a debt for family that lacked our support when we pass on.
 
爱的代价
有心无力
 
When our loved ones need medical attention, will finance be a problem ?
I have put up many examples of medical bills in this blog for reference. There are so many insurers offering the integrated private medical plans, do not compare until cow come home and still comparing.
 
Importance of insurance can be written and spoken, but if one will not take action, one will only realise it until it is too late.