How I Built My Insurance Foundation as a Newlywed with a New BTO
Learn how to build a strong insurance foundation in your 20s, prioritising income protection, term plans, and critical illness coverage.
How My Insurance Priorities Have Changed as a Young Adult
Learn how to build a strong insurance foundation in your 20s, prioritising income protection, term plans, and critical illness coverage.
The Opportunity Cost of Overpaying for Your Shield Plan in Retirement: Beyond “Can I Afford It?”
Are you overpaying for your Shield Plan in retirement? Learn the hidden opportunity cost and how it impacts your lifestyle and long-term financial sustainability.
Should You Switch Your IP Rider? A Retiree’s Guide.
Background: What Changed and Why It Matters From 1 April 2026 onwards, the Ministry of Health (MOH) introduced new rules for Integrated Shield Plan (IP) riders, the add-on that reduces what you pay out of pocket when you’re hospitalised. The key changes are: If you already have an old rider (bought before 27 Nov 2025), […]
How I Built My Insurance Foundation as a DINK Couple
See how Amanda structured her insurance foundation as a DINK couple through different life stages with Havend’s 5 protection pillars.
Should You Switch Your IP Rider? A Working Adult’s Guide
Should you keep or switch your IP rider after the 2026 MOH changes? A Singapore case study comparing premiums, claims and lifetime costs.
New IP Riders from 1 April 2026: Changes You Should Know
New IP riders are now live from 1 April 2026. Learn how deductibles, co-payment caps, premiums and rider choices may affect you.
How I Protect My Family: A Father’s Approach Using Havend’s 5 Pillars
What does responsible family protection really look like through a father’s eyes? In this article, we explore a practical, no-pressure approach to safeguarding your loved ones using Havend’s 5 Pillars, helping fathers build protection with clarity, sufficiency, and confidence.
Insurance for Young Working Adults: 3 Essential Plans to Start With
Learn how to build a strong insurance foundation in your 20s, prioritising income protection, term plans, and critical illness coverage.
How I Built My Protection Foundation in My 20s
Learn how to build a strong insurance foundation in your 20s, prioritising income protection, term plans, and critical illness coverage.