Call me "paranoid"... I bought another insurance policy recently. I cannot keep count of how many insurance policies I have already, *grin* Well, as my friend said, it is better to invest in an insurance policy than spending off the money unnecessarily. She has a point actually, paying monthly installments will not make us feel the pinch. Besides buying insurance policies, I think it is also encouraged to get some medical equipment to keep in the house just in case some emergencies cropped up. See, I told you, I am getting a bit paranoid nowadays!