Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
TravelEasy explained: benefits, limits and the fine print
MSIG's TravelEasy covers up to $1,000,000 in overseas medical expenses on its top Premier tier, with COVID-19 cover included on every plan. Here is what the four tiers actually differ on.
Chitra Raj
Term to age 65 vs term to age 99: which end date to choose
Term plans in Singapore now run anywhere from five years to age 99. The end date you pick changes the premium, the purpose of the cover and what happens when it expires.
Alice
Cyber insurance for SMEs: what a breach actually costs
A cyber incident costs more than the ransom or the IT fix. Here is what typically drives the bill up, and what a cyber policy is built to cover for a small business.
Daniel
Convertible term: switching to whole life later without a medical
A convertible term plan lets you swap to whole life, endowment or an investment-linked plan later without new health checks. Here is how the option works and what limits it.
Marcus
SilverCare Insurance explained: benefits, limits and the fine print
Income Insurance's SilverCare is a personal accident plan written for older adults, adding cover for shingles, H1N1 and 23 other infectious diseases. Here is what is published and what is not.
Marcus
Insurance for freelancers and sole proprietors
No employer means no group insurance, no automatic MediSave contribution, and no one covering you if you cannot work. Here is what to put in place yourself.
Daniel
Fire and perils cover for shops and offices
A shop or office lease rarely requires more than basic fire cover. Here is why most businesses need the broader perils list, and what else sits alongside it.
Daniel
Drivo Car Insurance explained: benefits, limits and the fine print
Income Insurance's Drivo plan pairs unlimited windscreen cover with its Orange Force accident response team. Here is what the published benefits actually promise.
Daniel
Renewable vs non-renewable term: what happens at the end of the term
A term policy has an expiry date. What you can do when it arrives, and at what price, depends on whether the policy is renewable, convertible or neither. Here is how the options differ.
Ben
PA Ease (Plan 3) explained: benefits, limits and the fine print
Sompo's top PA Ease tier pays a fixed benefit on accidental death or permanent disablement. Here is what the plan actually promises and where its limits sit.
Daniel
Directors' and officers' liability for small companies
Running a small company still exposes its directors to personal legal risk. D&O liability cover is not only for listed corporations, and here is what it actually protects.
Daniel
What an insurer's financial strength rating tells you
A rating is an outside opinion on whether an insurer can pay claims decades from now. This guide explains what it measures, what it leaves out, and the Singapore safeguards that sit behind it.
Priya
Insuring a food and beverage outlet in Singapore
A café or restaurant carries risks that a standard shop policy doesn't anticipate — fire from cooking equipment, food-related claims, and staff working with knives and hot oil.
Daniel
Life insurance after 55: what is still available and what it costs
Past 55 the choices narrow and the prices climb, but term, whole life and direct-purchase plans are still open to many buyers. Here is what to expect and how to decide whether new cover is worth it.
Ben
Multipay Critical Illness II explained: benefits, limits and the fine print
Singlife's Multipay Critical Illness II covers 135 conditions across three stages, with total claims of up to 900% of the sum assured. Here is what that structure means in practice.
Chitra
Life insurance in your 40s: reviewing cover as children and mortgages grow
The policies you bought at 28 were sized for a different life. A structured review in your 40s checks the sum assured against today's dependants, debts and income, and fixes the gaps while you are still insurable at a reasonable price.
Alice
Comprehensive Critical Illness II explained: benefits, limits and the fine print
Singlife's Comprehensive Critical Illness II pays a single lump sum across 135 conditions. Here is what the plan covers, what it doesn't publish, and what to check.
Marcus
Business interruption cover: replacing income when you cannot trade
A commercial property policy pays to repair the damage. It does not on its own replace the income lost while the business cannot trade. Here is what business interruption cover adds.
Daniel
Professional indemnity: who needs it and what it pays for
Professional indemnity insurance covers claims that your advice or service caused a client financial loss. It is not the same as public liability, and many small businesses need both.
Daniel
IncomeShield Standard Plan explained: benefits, limits and the fine print
IncomeShield Standard Plan is Income Insurance's Class B1 Integrated Shield Plan. Here is what its annual limit, deductible and co-payment actually mean at claim time.
Chitra
Life insurance in your 20s: what to buy first when money is tight
You already have more cover than you think through MediShield Life and DPS. Here is a practical order for adding to it on a first salary, starting with the cheapest gaps that matter most.
Marcus
PA Ease (Plan 2) explained: benefits, limits and the fine print
Sompo's PA Ease Plan 2 pays S$100,000 on accidental death and covers 24 infectious diseases in Singapore. Here is what the published benefits actually mean, and what the policy wording governs.
Marcus
Estate planning basics: how a life payout passes to your family
A life insurance payout can reach your family in days or in months, depending on whether you made a nomination, wrote a will, or did neither. Here is how each route works in Singapore.
Priya
SME package policies: what a bundled business policy covers
An SME package bundles several types of business cover into one policy. Here is what typically sits inside one, why insurers package them this way, and what small business owners tend to leave out.
Daniel