OwlInsure
Discover our thoughtfully curated insurance packages tailored to meet the unique needs of various age groups. Whether you're seeking coverage for your newborn, just starting your career, or enjoying your retirement years, we have the right solution sets for you.
Select your Lifestage
Children (0 – 17 years old)
Purchasing insurance for your child while they are young and healthy ensures they receive comprehensive coverage without exclusions or additional premiums due to health issues.
Premiums for newborns and young children are generally more affordable compared to those for adults. The most important insurance to consider is an Integrated Shield Plan (IP) on top of MediShield Life. Although IP premiums may increase over time, the plan can be downgraded with the same insurer later without requiring additional medical underwriting.
Package 1: Affordable | Package 2: Comprehensive |
|---|---|
PLAN:Integrated Shield Plan: Enhanced IncomeShield (Basic) | PLAN:Integrated Shield Plan: Enhanced IncomeShield (Preferred) |
OVERALL COVERAGE:Public hospital for ward class B1 and below Policy year limit: $250,000 | OVERALL COVERAGE:Private hospital and private medical institution Policy year limit: $1,500,000 |
TOTAL PREMIUMS:MALE: Cash: $0/year Medisave: $27/year FEMALE: Cash: $0/year Medisave: $27/year | TOTAL PREMIUMS:MALE: Cash: $0/year Medisave: $219/year FEMALE: Cash: $0/year Medisave: $219/year |
DISCLAIMER:
- The information presented here does not take into consideration your specific objectives, financial situations, or individual needs, and should not be regarded as constituting personal financial advice. Buying insurance is a long-term commitment and products purchased should be suitable for your unique requirements.
- You may thus wish to seek advice from a licensed representative to understand product features, details, and current quotes, and their suitability for your requirements, before making decisions to purchase policies or surrender existing policies, and not rely on the information contained herein alone. MoneyOwl does not accept responsibility for such decisions made by you based on the information we have provided here, or on the advice of other financial advisers, including those referred by MoneyOwl.
- In the case of group insurance, for direct purchase insurance and other insurance you purchase without advice and/or online, we advise thoroughly examining the details of insurance policies to ensure that they are the best fit and assess your circumstances to determine the necessary coverage. MoneyOwl does not accept responsibility for such decisions made by you to forego personal financial advice and in purchasing or surrendering policies based on the terms and conditions of such products.
- Insurance premium numbers are approximations and may not accurately reflect actual premiums. The information, sourced from third-party sources like CompareFIRST or insurers, is provided with reasonable care, but no responsibility is accepted for any loss or inconvenience resulting from errors or omissions. The information herein has not been reviewed by the Monetary Authority of Singapore.
Calculate Your Coverage Needs
For coverage calculations (i.e., sums assured), we have used rules of thumb based on the MAS Basic Financial Planning Guide, where available. However, you might need more or less than the recommended coverage. For a more accurate calculation based on your needs, please create MoneyOwl Account to try the MoneyOwl Insurance Needs Analyser, or download our Insurance Philosophy eBook to understand more about how to plan your protection.
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