Learn about insurance
Guides and explainers from our verified advisors. Understand what you're buying — then ask our assistant about specific products.
The real cost of an investment-linked policy
ILPs bundle insurance and investment. Understanding the fee layers is the difference between a useful tool and an expensive one.
Priya Nair
The critical illness coverage gap nobody talks about
Hospital plans pay the hospital. Critical illness cover pays you — for the two years of income most patients lose.
Marcus
Term vs whole life: which one actually fits you?
The two most common life insurance types solve different problems. Here is a plain-language guide to choosing.
Alice
Five questions to ask before buying any policy
A checklist I wish every customer brought to their first meeting with an advisor.
Alice
Emergency fund first, insurance second? Sequencing your safety net
Savings and insurance solve different problems, and the order you build them in matters less than people argue about online.
Priya
Hospital plan deductibles and riders, explained simply
Why your hospital bill is not fully covered by default, and what deductible riders actually do.
Chitra
How much life cover do you actually need?
A practical method for sizing your sum assured without overpaying: income replacement plus liabilities minus assets.
Ben
What actually affects your motor insurance premium
NCD, excess, driver age, and workshop schemes: the four levers that move your car insurance price.
Daniel
Maid Protect360 Pro (Enhanced) explained: benefits, limits and the fine print
HL Assurance's Enhanced tier waives the usual 25% co-payment on the mandatory medical benefit and raises personal accident cover. Here is what that means in practice.
Chitra
How much life insurance does a Singapore family actually need in 2026?
There is no single right multiple of salary. Work out what your dependants would need, subtract what is already in place, and buy the difference in the cheapest form that fits the years it has to cover.
Ben
Renewing motor insurance: switching insurers without losing NCD
A no-claim discount built up over years does not automatically disappear when you switch insurers, but the transfer is not automatic either. Here is what to check.
Daniel
Windscreen cover, roadside assistance and other motor add-ons
A comprehensive motor policy covers the big risks. Add-ons handle the smaller, more frequent ones — windscreen cracks, breakdowns, and a few others worth knowing about.
Daniel
Personal accident benefits inside a motor policy
Many comprehensive motor policies quietly bundle personal accident cover for the driver and passengers. Here is what that benefit usually covers, and where it falls short of a standalone plan.
Daniel
Total loss and market value: what you get if the car is written off
When a motor insurer declares a car a total loss, the payout is usually based on its market value just before the accident, not what you paid for it. Here is how that figure is reached.
Daniel
How motor premiums are calculated: age, car, claims history and usage
Motor insurance is compulsory in Singapore, but the premium two drivers pay for the same car can differ sharply. Here is what insurers weigh, and how to influence it.
Daniel
Motorcycle insurance in Singapore: what riders should check
Motor insurance is compulsory for every registered motorcycle in Singapore, but the type and extent of cover you choose is entirely up to you. Here is what to look at before renewing.
Daniel
Motor insurance for private-hire drivers: the commercial use question
A personal motor policy is priced for social and domestic driving. Using the same car for private-hire work changes the risk, and insurers need to be told.
Daniel
PawEasy (PawRun) explained: benefits, limits and the fine print
MSIG's middle PawEasy tier covers S$10,000 of hospitalisation and surgery, with co-payment set by your pet's age at joining. Here is what PawRun includes and what to check.
Daniel
Named drivers and what happens if someone not named crashes your car
Most private motor policies in Singapore list who is allowed to drive the car. Lend it to someone off that list and a claim can turn out very differently than you expect.
Daniel
MotorMax explained: benefits, limits and the fine print
MSIG's MotorMax is a comprehensive private car policy with 24-hour roadside assistance and new-for-old replacement on newer cars. Here is what its standard limits actually are.
Daniel
Driving into Malaysia: does your Singapore motor policy cover you?
A Singapore-registered car crossing the Causeway or Second Link doesn't automatically carry the same cover it has at home. Here is what to check before you drive across.
Daniel
Insuring an electric vehicle in Singapore: battery, charger and repair costs
EVs bring cost drivers a standard motor policy was not written with in mind: batteries, home chargers and specialist repair. Here is what to check before insuring one.
Daniel
MotorMax Plus explained: benefits, limits and the fine print
MSIG's MotorMax Plus adds any-workshop freedom, higher personal accident limits and EV-specific benefits to its comprehensive motor cover. Here is what the published benefits actually state.
Daniel
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