Hi anon, I salute your mom for the sacrifices she made, that is sheer tenacity there to do what she did. You and your siblings must be very proud of her. To start off, if your mom is healthy, then try to upgrade her hospitalization plan to at least an A ward (I am not quite sure what you mean by 'basic', although if it at least 'A' ward it will be ok). Ensure that she has a rider to cover deductible and co-insurance. Top up her medisave account so that she has monies for medical related emergencies. Ensure that she has Eldershield and enhance it to protect against severe disability in old age. Contribute to her special account to help her at least reach BRS first so that she can have a guaranteed stream of life long income in her old age. If funds are available to push her CPF to FRS, that is even better. These are the very basics of what needs to be done. Your younger siblings are still studying, and in theory they are still dependents of you and your mom, so you definitely want to ensure that you have your own coverage sorted out so that mom doesn't have to worry, and if possible, a small term plan for your mom can be considered, provided premiums are reasonable (CI plans will be very expensive for her age). Given the slew of expenses when one starts work, your budget probably allows for what I mentioned above. Lastly, please plan to spend more time with her in her old age when she eventually stops driving. I'm getting teary eyed writing this but we usually only really appreciate what we have when it's no longer available.