Insure my co-payment

Dear Mr Tan,

I am a civil servant. On my retirement, I and my wife are eligible to receive medical benefits for a lifetime. However, I am required to make a co-payment of 20% for the ward charges. Can I buy insurance for this co-payment?

---------------------------------------

REPLY:

NTUC Income provides an insurance plan to cover half of the co-payment. In my frank view, you do not need to insure this risk. The co-payment is quite small. You can make the co-payment out of your Medisave savings.