For over two decades, I’ve dedicated my career to the insurance business, specializing in medical coverage. My core belief has always been that everyone deserves access to top-notch medical care, equipped with the best specialists and technology. Little did I know, this conviction would soon become deeply personal.

Between 2019 and 2024, my own boys faced intense health challenges, racking up nearly $500,000 in medical bills. This could have been a catastrophic financial blow for my family. Thankfully, our comprehensive medical insurance stepped in, covering the bulk of the expenses. Our out-of-pocket was a manageable 5% co-payment, capped at $3,000, which was even covered by my Medisave. This experience profoundly underscored the peace of mind a robust medical plan provides.

During that same period, I witnessed heartbreaking situations with overseas patients struggling to cover their children's medical costs. Many were forced to sell assets or resort to online fundraising, often still falling short. Then, in 2024, two friends faced their own insurance nightmares when their policies lapsed due to overlooked premium payments. Both developed medical conditions and, while one exclusion was eventually removed, I couldn't help the other.

These experiences ignited an even greater passion within me. I'm more driven than ever to share the critical importance of a good, comprehensive medical insurance plan. It's not just about protection; it's about safeguarding your family's financial future and ensuring access to the care they deserve. We must also regularly review our plans to ensure they remain adequate for life's unexpected turns.

17 June 2025