Reader says... I would like to ask you regarding H&S insurance. I have spoken to a few agents to understand more about the H&S products that they are offering. They would frequently mention “Do you want to stay in private for the best healthcare?” “With riders, you don’t have to worry about co-insurances or deductibles..” Sounds enticing but I got a shock when I looked at the premiums I have to paid in the long term run and also, I am wondering how am I be able to pay for the premiums once I stopped working in the future. Premiums are highly likely to increase in the future. So, I asked myself do I really need the ‘best’ healthcare? I am quite contended with decent healthcare that has government subsidies. As such, I thinking of getting a H&S + rider that has coverage for B1 and below ......