As for the financials, I have to say we were surprised when the nurse who counselled us on such matters told us the cost of the bypass surgery, and how much we are expected to pay. The final bill is expected to be in the ballpark of $5,000, give or take. This is after an up to 80% government subsidy. Factor in Medishield Life (please contribute to your Medisave!), and personal insurance, and we end up paying very little (if any) by way of cash payments. So, whatever you may say, I do appreciate that govt subsidy and Medishield Life are important and helpful.