having health insurance is like having clothes… do you want to be running around naked?
if you have health insurance, you have swag, trust me (okay, maybe not)

First thing first, I am considering changing my Shield plan. Why? I just received a letter notifying me of premium increases and I have realized that there are objectively better shield plans out there.

I currently have the NTUC Enhanced Income Shield (Preferred) with the Assist Rider. The rider covers all hospitalization expenses except a 10% co-pay up to $3000, and has a daily cash benefit.

You can see what insurance I have at the time of Oct 2016. Since then, I have thought about my critical illness coverage and I have added a standalone plan with Aviva.

Probably once I finalize the switching of my shield plan, I will do an insurance update for 2017 and that will probably be …