Continuing from previous post : Firstly, many people believed that they don't need this because "My company covers". Yes but are you married to your company? Will your company take care of you for life? Will you stay with the company forever? No, right? "Chey, it's ok what. I'll get it after I retire lor. No big deal". It's a huge deal! By the time you retire, how sure you are that you have not experienced high blood pressure, diabetes, gastritis, been hospitalised for whatever reason, etc. Besides the pain of disclosing all these in your proposal (trust me, it's really frustrating), your premium may skyrocket with loadings. At worse, you may be denied insurance. Also, how about when you're in between jobs? There's no coverage, right? In addition, generally private companies, even the MNCs, provide reimbursement up to a certain limit only and often than not it is based on the lowest ward at a government hospital. "It's ok...