Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Why premiums are cheaper when you are younger, and what "level premium" locks in
The cost of insuring a life rises every year you age. A level-premium term plan averages that rising cost into one flat figure, which is why the age you buy at matters more than most people expect.
Marcus Chen
Care Secure explained: benefits, limits and the fine print
Income Insurance's Care Secure is a CareShield Life supplement paying S$1,200 to S$5,000 a month. Here is what it adds on top of the national scheme, and what governs the fine print.
Alice
Travel insurance and pandemics: what changed since 2020
Travel insurers used to treat pandemics as an unpriceable risk. Since 2020, some cover has returned in narrower form. Here is what to check before you assume you are covered.
Chitra
Free-look period in Singapore: the 14 days you can cancel without penalty
Most life and health policies in Singapore come with a cooling-off window of at least 14 days. Here is when the clock starts, what you get back, and which policies do not have one.
Priya
Home Protect360 explained: benefits, limits and the fine print
HL Assurance's tiered home contents plan covers contents, liability and alternative accommodation. Here is what the published material says, and what still needs checking.
Daniel
Adventure sports and travel insurance: skiing, diving and trekking
Standard travel insurance often assumes a fairly ordinary holiday. Skiing, scuba diving and high-altitude trekking can fall outside that assumption unless you check first.
Chitra
Naming a beneficiary: nomination of beneficiaries under Singapore's Insurance Act
A life policy pays out quickly only when the insurer knows who should receive the money. Here is how trust and revocable nominations work, what they do not cover, and how to keep them current.
Ben
Trip cancellation: what counts as a covered reason
Trip cancellation cover only pays out for specific reasons named in your policy. Here is what usually qualifies, what doesn't, and how a real dispute over it was resolved.
Chitra
Star Term Protect explained: benefits, limits and the fine print
A look at Income Insurance's Star Term Protect: what it covers, its renewal structure up to age 84, and which documents actually govern a claim.
Alice
Pre-existing conditions and travel insurance: the plans that cover them
Most travel plans exclude a pre-existing condition by default, but some Singapore insurers now sell cover for one specifically. Here is how that cover works and where its limits sit.
Chitra
Car Protect360 explained: benefits, limits and the fine print
HL Assurance's comprehensive motor plan pairs workshop flexibility with a halved excess at approved workshops. Here is what it covers and what to verify before buying.
Daniel
What "sum assured" means, and how insurers decide how much they will offer you
The sum assured is the headline number on a life policy, but it is not always the amount paid. Here is what it means, how to size it, and why an insurer may offer less than you ask for.
Alice
Term life vs whole life for a first-time buyer in Singapore
Term and whole life both pay out on death, but they solve different problems and cost very differently. Here is how to tell which one your first policy should be.
Marcus
Annual multi-trip vs single-trip travel insurance: the break-even point
An annual multi-trip policy only pays off once you travel often enough. Here is how to work out your own break-even point, and the coverage details a price comparison alone will miss.
Chitra
Travel Protect360 explained: benefits, limits and the fine print
HL Assurance's Travel Protect360 covers up to $750,000 in overseas medical expenses on its top tier, with unlimited emergency evacuation across every plan. Here is what to check before buying.
Chitra
Maid Protect360 Pro (Premier) explained: benefits, limits and the fine print
HL Assurance's upper maid insurance tier lifts hospital and surgical cover to S$80,000 and waives the 25% co-payment. Here is what the plan covers and what to verify.
Daniel
The Dependants' Protection Scheme: what it covers and why it is not enough on its own
Most working Singaporeans have DPS without ever applying for it. Here is what the scheme pays, who runs it, how the premium is deducted and why a family with a mortgage and young children usually needs more.
Priya
Travel insurance essentials: medical, cancellation, baggage and delay
Travel insurance bundles several distinct benefits into one policy. Here is what each one actually covers, what commonly falls outside them, and why a war or terrorism event can catch travellers out.
Chitra