While I was in the hospital waiting for the bone marrow result, the doc asked whether I was covered by medical insurance. I asked about the cost of bone marrow transplant if I needed one and was told for first 3 months, the estimated cost could range between $150,000 to $250,000 if it was done at the government hospital assuming no complication. There were other costs like medications and follow-up for the rest of the life. It was then I checked up my medical insurance and realised how inadequate it would be when a major illness stuck you. Not only there were conditions about deductible and co-payment, there was a cap on total $50,000 payout a year and a total $200,000 payout per policy. And when I was diagnosed with lupus and wonder whether any insurance companies would underwrite me for hospitalisation and medical costs, I realised that even for basic medical insurance I had, there was this condition that the person must not be diagnosed with systemic lupus 12 months ago before the effective date of the policy. That means I would have no chance ever from now to find any insurance companies that would cover my medical cost since I am a high risk customer and if they really do, the premium I need to pay would be exorbitantly high that I must as well underwrite the risk myself!
Morale of my story: buy a comprehensive medical and hospitalisation insurance (better if it comes with payout for loss of income) while you are young and fit (i.e before any pre-existing illness)! No one is invincible but when you are ill, at least you have one less worry.