Hi people,
just 2 cents worth of my knowledge..
Please get Hospitaliation Coverage for yourself while you are healthy, with the rider. With the rider, it covers almost 100% for your hospital bills.. Hospitalisation coverage doesn't cover child birth, but covers birth complications.
For the hospital bill, you can approach the hospital's medical social worker for help. don't think they can waive anything for you.. even if you look for your MP, they will only extent the installment payment period for you.. workout a payment plan with the social worker, they are the best person to help you..
Of course, we do not wish to have any health problems but, this really come in handy when all those "what if" happens. All these hospital bills are really expensive and its easy to ignore those insurance products not knowing the consequences for not having them. My whole family is covered for hospitalisation.. and it helped us alot when we needed the most. we learnt our lesson when my father died of stroke 10 yrs ago..
Look for a responsible insurance agent to service you. Please don't compare products and get the cheapest you can find in the market.. coz when you are in need, you need someone you can trust to help you with all the claims and paperwork as soon as possbile.