Just to share. My mum had a hip fracture recently. She has to go to a community hospital after discharged from a hospital. I was shocked to learn that a bed without air-conditioning and TV, and shared with 11 other people was being charged $300/day not including other miscellaneous expenses like medication, physiotherapy session, etc. This is a part private/public community hospital. It is more expensive than in a public hospital or having a full-time maid to look after them. It would have been better if they are staying on their own as they will pass the mean test. But they are staying with me and we failed the mean test. I saw some of them staying there for more than a month. Imagine the big bill of $9000/mth. My mum has the PG card. How about us who are just above average and no PG card. The $10,000 is not unrealistic for those retiring in 10 years time. Medical bill will be even more hefty.