Do you have S$9k in your Medisave?

If you have, then you most probably have enough to last to pay for an "as-charged" private medical insurance plan (approved by Ministry of Health) til age 65. This is calculated on the following basis:-

a) that CPF interest rates for Medisave account remains about 4% p.a for the next few decades;
b) that premiums for the private medical insurance plans do not increase substantially as a result of "claim experience";

Similiarly, I calculated the NPV of the rider plans and plotted them on the following chart:

For reference, please refer to my previous article:-
http://www.waynekoh.com/2007/11/as-charged-medical-plan-takes-load-off.html

To have an exact calculation of your very own, simply email the following to waynekohwg@gmail.com: -

a) Subject heading: Shield Cal
b) Name:
c) Date of birth:
d) Marital status:
e) Number of kid(s) you have:

OR fill out this online form

and I'll email a one-page "shield cal" to you. FOC. See sample below.