Hello, sorry to hear what you are going through.. I believe there are certain government schemes you can tap into. For example, Medisave, medishield life, Chas card - the help that you get may not be alot. But it's a start. I'm not sure how it is for dialysis patients but usually before a patient goes for treatment, there would be financial counselling. You may let them know of your financial difficulties and they will refer you to a medical social worker. In the worse case scenario, you may also see if you can do partial withdrawals of your bonuses from the endowment plans that you have; or even to sell it off to some companies that buy over insurance policies. Hope that doors will be open for you to receive the treatment that you need. Don't give up!