As far out as I can see, I need to deal with 2 major risks arising from (my) illness:

A) Unable to continue working for the rest of my life, leading to permanent loss of income like 2-3 million
B) medical treatment – covered by (Aviva) shield plan iff a Singapore hospital
B2) temporary loss of income due to health. Duration is hard to estimate, but longer durations are more rare.

There are also some low-probability risks:

C) long term care – covered by Elder shield. This kind of condition is rare but widely reported – I get so sick I can’t take care of myself so my family must spend hundreds of dollars every month for years. My mother talks about this because she’s scared. I have a friend (Raymond) whose father went through this. But this is rare. I assume $500/month x 20Y = 120k

D) death (and TPD) – doesn’t bother me because low probability

E) accidents – bothers me but the serious accidents are rare