Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
Maid Insurance (Exclusive) explained: benefits, limits and the fine print
FWD's Exclusive maid plan is its top tier, with no co-payment on hospital and surgical claims against 25% on the three lower tiers. Here is what the insurer's page says it covers.
Chitra Raj
Authorised workshops vs any workshop: why the premium differs
Motor plans that restrict repairs to an approved workshop network are usually cheaper than ones that let you choose any workshop, including your dealer's. Here is why, and how to decide.
Daniel
What to do after a car accident in Singapore: the Motor Claims Framework
The minutes and days after a car accident shape how smoothly your claim goes. Here is the general sequence to follow, and where to turn if your insurer and the other party cannot agree.
Daniel
Tiq Personal Cyber Insurance explained: benefits, limits and the fine print
Etiqa's Tiq brand sells a S$25,000 family cyber policy for S$109 a year, with a strict rule on ransom payments. Here is what the published material says.
Daniel
Enrich flex plus explained: benefits, limits and the fine print
Etiqa's Enrich flex plus is a savings endowment that can keep running after the first life insured dies. Here is how the guaranteed and illustrated returns actually split.
Ben
Excess on a motor policy: standard, young driver and unnamed driver excesses
Your motor policy can carry more than one excess at once, and they stack. Here is how standard, young driver and unnamed driver excesses actually work.
Daniel
No-claim discount (NCD): how it builds, how you lose it, and NCD protector
Your motor NCD can take years to build and one claim to lose. Here is how the discount actually works, what resets it, and what an NCD protector add-on does.
Daniel
Comprehensive vs third-party fire and theft vs third-party only
Every motor policy in Singapore covers third-party liability at minimum. Whether it also covers your own car, and against what, is what separates the three common tiers.
Daniel
Motor insurance in Singapore: the minimum the law requires
You cannot legally drive in Singapore without at least third-party liability cover. Here is what that minimum actually protects, and why most drivers buy more than it.
Daniel
Reviewing your CI cover after a diagnosis in the family
A critical illness diagnosis in the family changes what you should check about your own cover and everyone else's. Here is what to review, and in what order.
Chitra
Heart attack definitions: why "of specified severity" matters at claim time
A critical illness plan does not pay out for any heart attack. It pays for one that meets a precise clinical definition. Here is what that definition usually requires.
Marcus
Critical illness cover for women: the conditions that matter most
Standard critical illness definitions cover the same conditions regardless of gender, but how women actually claim differs. Here is what to check in a policy.
Chitra
Term CI vs whole-life CI: matching the plan to the working years
A critical illness plan can run for a fixed term or for life, and the choice changes both the premium and what happens after you retire. Here is how to match it to your working years.
Marcus
Maid Insurance (Popular) explained: benefits, limits and the fine print
FWD's Popular tier adds outpatient illness cover and a daily hospital allowance to its maid insurance range. Here is what that covers, and what the published page leaves out.
Daniel
CI as a rider vs a standalone policy
Critical illness cover can be bolted onto a life policy or bought on its own. The choice affects cost, flexibility and what happens if the base policy ends.
Chitra
Survival periods and waiting periods in CI policies
A critical illness claim can be refused even after a genuine diagnosis if it falls inside a waiting period, or if the insured does not survive the survival period. Here is what each term means.
Marcus
Travel Infinite explained: benefits, limits and the fine print
Etiqa's Travel Infinite pays flight-delay compensation automatically, without a claim, and bundles COVID-19 cover into every plan. Here is what the Classic, Deluxe and Suite tiers each add.
Chitra
Cancer-only plans: cheaper cover for the most common claim
Cancer accounts for the largest share of critical illness claims in Singapore. A cancer-only plan trades broader protection for a lower premium against the risk you are most likely to face.
Chitra
Invest Prime Purpose explained: benefits, limits and the fine print
Etiqa's Invest Prime Purpose is a Shariah-compliant investment-linked plan that lets you pause contributions. Here is what its 37-condition critical illness cover includes.
Priya
DIRECT – Etiqa Whole Life explained: benefits, limits and the fine print
A DIRECT plan skips the intermediary and the commission that comes with one. Here is what Etiqa's DIRECT whole life plan actually covers, and what buying it yourself means.
Priya
Critical illness vs medical insurance: they solve different problems
Medical insurance pays hospital bills. Critical illness insurance pays you a lump sum to live on. Confusing the two is one of the more common protection gaps in Singapore.
Marcus
How much critical illness cover do you need? The income-years method
A lump sum critical illness payout is meant to replace lost income during treatment and recovery, not just pay medical bills. Here is a simple way to size it.
Chitra
Homes Advantage explained: benefits, limits and the fine print
AIG's Homes Advantage bundles building, contents and liability cover into package tiers or a custom plan. Here is what the product page states and what to check.
Daniel
Multi-pay critical illness plans: claiming more than once
A standard critical illness policy pays once and ends. Multi-pay plans are built to pay again for a later, unrelated diagnosis. Here is how that structure actually works.
Marcus