Are you prepared when medical emergency arises ?

Below this topic are a few recent bills of a breast cancer operation, muscle & tendon injury operation, chemotherapy and a cataract operation.

Appropriate private medical insurance like IncomeShield, and many other insurers' shield plans are a MUST have. As such plans are paid with medisave account, only one plan is allowed. All the plans have deductible and co-insurance, and these can be covered with rider plans as in the examples below. If Rider plan is added, it will mostly take care of the heavy bills.

The mistake is to give up such plan at old age, as the premium escalate. Many older folks, who have been healthy, simply thought they do not need the plan and since premium is high, they gave up the plans. I hope their children will understand the plan to takeover the payment of such plans. But fact is many also do not understand the usefulness of such plan and do not put much attention for this plan.

I have written a few topics on these if you scroll down to read them.

My recommendation will be appropriate critical illness plan and a basic essential Shield Plan.

Nobody wish to make insurance claim, but when a need arise, it is helpful and there is peace of mind that it can cushion off major bills.