If you have read my earlier post (click here), you will know that my wife just went through a keyhole surgery. To be honest, the single bed ward at private hospital is comfy and did provide my wife a good rest and experience. However, it is costly indeed if you can't claim from shield plan. As promised, I will be sharing on the bill size. The total amount of 1 night stay at a private hospital for the surgery, cost about $18,739.03. Plus the pre and post hospitalisation consultancy cost, should add up to about $20,000. This entire $20,000 is paid by shield plan and medisave, with zero cash. When I purchased this shield plan and the rider to offset the co-insurance, I have done my mathematics whether it is worthwhile to pay extra cash for rider to offset deductible. The conclusion is, not worthwhile. For easy calculation, ......