In Malaysia, you just need RM2.2m in wealth to join top ‘one-percenter’ club unlike Singapore’s RM16.1m

hence singaporeans should retire in malaysia... their spending power suddenly multiply by 7 times overnight by just taking this step.

Especially true for those who were previously Malaysians... 

I tried living in KL, and it costs around 2.5k comfortably, nothing fancy for monthly expenses.

how much should one budget pm for medical insurance?

so doesn't this mean early retirement/financial independence is possible with medical insurance covered?
cos the way you mentioned was as if 2.5K is not enough to cover medical insurance.
(I guess we can just change 2.5K pm to 3.0K pm then)

What your retired numbers look like at this moment? Ie your monthly expenses etc?

Interesting topic on insurance. I'm stuck with ILP medical card insurance (yeah I just checked after all this years). don't know who the agent was (because company bought for me while I was working). Does it make sense to buy new since I'm >50 yo ?

I'm still paying RM3k yearly for 1m cover yearly until I'm 100.

Yes all fine print is there. I read everything. All said premium not guaranteed. You asked them have xyz plan ever been reprice in the past 5 years? Don't ask only 1 agent. Ask multiple agent. Then like I said check online to see if what agent said matches people complain online.

So far from my checks online (lowyat forum and Reddit), again only ILP affected regardless of insurance companies.

definitely no right or wrong answer....

my guess is that if one has exactly RM 16.1 million (T01 in SG) and one has a choice of retiring in KV(Malaysia) or SG, especially if said retiree is comfortable with both places, then he/she most probably will choose the place with better bang for bucks. Imagine being T01 in SG but queue for public healthcare.... 
(ok, I don't really know how bz SG's GH can get, but I assume the queue to see doc or get treatment would be as long as ours here in MY. Which comes to mind: maybe I should start trying out our Klinik Kesihatan to save some money on hbp medicine... )

And the way you answered about free  public healthcare and public facility do indicate this somewhat I believe. Public safety is acceptable in Malaysia as long as the retiree is aware where to go and how to behave.

hence my choice of MY earlier... 

Like that, then maybe better (a very relative term) to seek treatment in GH in Malaysia... it is almost free....

also, a T01 in SG (ie with 16.1 million ringgit) and above 63 years old, most probably can afford to pay for almost all treatments in private hospital in Malaysia. Normal brain surgery and even open heart surgery for bypass costs below 300K ringgit (saw the whole actual bill for a ex-colleague and a relative). I now really believe that even if one has 100s of millions to spend for medical treatment, the body also cannot endure the hardship of such treatments.

Would you know how much these would cost in SG, out of curiosity?