Safeguarding your Financial Wellness for Health
Prepare for health expenses with financial security and peace of mind.
Prepare for health expenses with financial security and peace of mind.
Which stage are you in now?
Protect your current health and prepare finances for the future
Address health challenges while securing your financial well-being
Manage healthcare needs & financial security in retirement
Explore the personalised checklist to help you navigate this chapter of your life with ease.
10 minutes
Health can change over time, especially as one ages through the years. Getting insured early ensures full coverage without added costs or exclusions due to health conditions.
Get your insurance sorted out before health screening. But don’t delay getting health check-ups either especially if you feel unwell. In other words, sort out your insurance early
Sign up/Log in to our MoneyOwl App to calculate your insurance shortfall based on:
30 minutes
We have curated a selection of insurance packages tailored to different life stages and ages, based on the different needs and affordability.
Check our Insurance page to find out the insurance package for your life stage.
Take action! Some products can be bought online, and for others, we can refer you to an adviser if you need one.
All Singapore citizens can apply for one of these – green CHAS card (including high income earners), blue CHAS card, orange CHAS card, Merdeka Generation, Pioneer Generation. These qualify you for health screening for cardiovascular disease, cervical cancer and colorectal cancer and others, for between $0 and $5.
Click below to read more about CHAS subsidies.
Ensure your wishes are honoured in the event of mental incapacity
An LPA is a legal document, which allows a person who is at least 21 years of age, to voluntarily appoint one or more persons to make decisions and act on his/her behalf if he/she loses mental capacity one day.
The decisions range in 2 broad areas of personal welfare and/or property & affairs matters.
Click below to go to MSF website to read more about LPA and how you can make one yourself.
In event of your untimely demise, the distribution of your assets will be determined by Singapore’s intestacy laws. This means that your estate may not be distributed according to your wishes.
Writing a will ensures that your wishes are clearly stated and provides protection for your loved ones.
Craft your Will using MoneyOwl’s Digital Will-Writing service
It’s never too early to start planning and ensuring peace of mind for you and your loved ones.
Our eBook covers everything you need to know about end-of-life arrangements and estate planning, from protecting your assets to securing your family’s well-being.
Click below to download eBook.
10 minutes
In Singapore, all citizens are eligible to apply for the Community Health Assist Scheme (CHAS), which offers subsidized treatment for chronic conditions such as diabetes, high blood pressure, and high cholesterol. This includes the green CHAS card, designed to support higher-income Singaporeans with chronic health needs.
Learn more about managing chronic conditions through CHAS here.
Additionally, the Chronic Disease Management Programme allows patients to use their MediSave for up to $500 annually ($700 for complex cases) to offset outpatient chronic disease bills, reducing out-of-pocket expenses. A 15% co-payment applies to each claim.
Discover more about MediSave’s role in chronic disease management here.
For Hospitalisation & Surgical (H&S), MediShield Life has coverage for some pre-existing conditions.
Learn more about insurance applications for people with health conditions:
In some cases, premium loading or exclusion will be imposed on your plans due to your pre-existing health conditions, but you can at least still get coverage for other conditions. In a nutshell, don’t give up on getting insurance coverage.
Click below to see what kind of insurance package suits your lifestage.
An LPA is a legal document, which allows a person who is at least 21 years of age, to voluntarily appoint one or more persons to make decisions and act on his/her behalf if he/she loses mental capacity one day.
The decisions range in 2 broad areas of personal welfare and/or property & affairs matters.
Click below to go to MSF website to read more about LPA and how you can make one yourself.
30 minutes
Advance Care Planning (ACP) ensures that if you’re ever unable to make decisions or speak for yourself, your chosen decision-makers have clear guidance to act in your best interests according to your wishes.
It helps you to discuss and document matters related to your healthcare. It is a broad plan that may include extent of treatment, pain control options, and what to do should your heart suddenly stop.
Click below to learn more about ACP at the Agency for Integrated Care (AIC)
ACP is particularly important for people who have a chronic illness, an early cognitive impairment, frail, or are approaching the end of life.
In event of your untimely demise, the distribution of your assets will be determined by Singapore’s intestacy laws. This means that your estate may not be distributed according to your wishes.
Writing a will ensures that your wishes are clearly stated and provides protection for your loved ones.
Craft your Will using MoneyOwl’s Digital Will-Writing service
10 minutes
In Singapore, all citizens are eligible to apply for the Community Health Assist Scheme (CHAS), which offers subsidized treatment for chronic conditions such as diabetes, high blood pressure, and high cholesterol. This includes the green CHAS card, designed to support higher-income Singaporeans with chronic health needs.
Learn more about managing chronic conditions through CHAS here.
Additionally, the Chronic Disease Management Programme allows patients to use their MediSave for up to $500 annually ($700 for complex cases) to offset outpatient chronic disease bills, reducing out-of-pocket expenses. A 15% co-payment applies to each claim.
Discover more about MediSave’s role in chronic disease management here.
All Singapore citizens can apply for one of these – green CHAS card (including high income earners), blue CHAS card, orange CHAS card, Merdeka Generation, Pioneer Generation. These qualify you for health screening for cardiovascular disease, cervical cancer and colorectal cancer and others, for between $0 and $5.
Click below to read more about CHAS subsidies
30 minutes
Recommended to seek advice from your financial adviser before you downgrade or surrender your plan.
Advance Care Planning (ACP) ensures that if you’re ever unable to make decisions or speak for yourself, your chosen decision-makers have clear guidance to act in your best interests according to your wishes.
It helps you to discuss and document matters related to your healthcare. It is a broad plan that may include extent of treatment, pain control options, and what to do should your heart suddenly stop.
Click below to learn more about ACP at the Agency for Integrated Care (AIC)
ACP is particularly important for people who have a chronic illness, an early cognitive impairment, frail, or are approaching the end of life.
An LPA is a legal document, which allows a person who is at least 21 years of age, to voluntarily appoint one or more persons to make decisions and act on his/her behalf if he/she loses mental capacity one day.
The decisions range in 2 broad areas of personal welfare and/or property & affairs matters.
Click below to go to MSF website to read more about LPA and how you can make one yourself.
In event of your untimely demise, the distribution of your assets will be determined by Singapore’s intestacy laws. This means that your estate may not be distributed according to your wishes.
Writing a will ensures that your wishes are clearly stated and provides protection for your loved ones.
Craft your Will using MoneyOwl’s Digital Will-Writing service
To learn more about managing your estate and end-of-life arrangements, have a read at our Ebook.
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