The Singaporean public has been gripped by a collective existential crisis after discovering that having forty-seven separate insurance riders might be slightly redundant.

Local financial masochists are now questioning if their "Premium Early Stage Ingrowing Toenail Coverage" is actually necessary for human survival.

"I paying three thousand a month to insure my left kidney and my Grab ride home," said one local victim, Mr. Lim.

"Abuden? If I don't buy, then later I die for free how? At least let me get some cashback for my funeral buffet lah!"

A leading insurance industry parasite confirmed that most Sinkies are so overinsured that their only remaining retirement plan is to get hit by a bus just to break even.