Okayyy... I think this is an interesting topic. Cos we always hear... you can die in Singapore but cannot afford to fall sick... And the question is... is this true? Let's not look at the small illnesses that require hospitalization. Those run into the thousands and I think... most of the people in the frugal community, or the people who want to retire early, a couple of thousands is still somewhat "affordable". Meaning, our portfolio can handle a few thousand dollars' expense to save our life. So let's look at what happens when an expense of $200,000 hits. I think most of us are insured by ISP (Integrated Shield Plan)... so we are looking at $1,000-$3,000 deductible and 10% co-payment... This means that the out of pocket amount would be $20,900 to $22,700. This is a reasonably high amount, but again, I think for most of the people looking into financial independence, a sum of $20k+ is a ......