Yesterday, I spoke to my insurance agent that I would like to cancel one of my two policies, the endowment one. I’ve been considering putting more into my hospitalisation and medical insurance policy for quite some time. So yesterday I got around to make it so. Things have happened during the past few years that made me realise how much hospital and medical cover is a lifesaver. Medical expenses, especially private hospital services are so expensive these days. Without insurance, you won’t even be entertained. And when surgeries are involved, brace yourself for five figure sums in hospital bills no less. So I’m pretty certain if there’s one insurance you can’t live without, it’s medical insurance.