Sales director Ng Kia Chiang speaks from personal experience when he says his top financial concern is having comprehensive medical coverage. Mr Ng, 56, says: "I'm a firm believer that we have to be adequately covered, especially when it comes to any major illness."

His 80-year-old mother's kidneys have been deteriorating and she started dialysis a year ago. Her monthly kidney-related expenses amount to about $2,800 after subsidies. This is being shared among Mr Ng and his three siblings.