One of the strategies that the Heartland Couple adopted as first-time parents was division of labour. As simple as it sounds, it helps to minimise duplication of efforts and keep their sanity in check. As a counsellor, Heartland Girl naturally gravitated towards topics such as well-being and communication. Meanwhile, since Heartland Boy is passionate about personal finance, he took on the (no-less important) responsibility of purchasing insurance policies for his newborn. He got his independent financial advisor to propose the best policies available in the market at that time and compare the pros and cons of each policy plan. Here is a summary of the baby insurance plans that he bought for his child, Olympia.

1. Hospitalisation & Surgery Insurance

Hospitalisation & Surgery policy, also known as an Integrated Shield Plan, should be purchased as soon as possible. The earliest that it can be bought is when your newborn