[roguetrader]

This is why need to use mediasave to buy more medical insurance when you are healthy. When you fall sick, it is very difficult to upgrade the medical plan.

Yes, but one still need to pay the co-insurance and the deductibles in cash. When one is 40 yrs old, Careshield, and hospital plan like IncomeShield all using medisave should be purchased. But what i meant is the cap of the medisave increasing yearly and the likes of the modal and related issues. My buddy and his mum can buy what 1 with medisave all bought liao, and my buddy also paid cash for medical plan. But as for his mum, her age is already too advanced with some pre-existing conditions thus buying cash plan is not worth / accepted by insurers. My buddy also highlighted all these insurance jin siong considering he is also earning not bad a salary.