Insurance protection hub

Singapore insurance planning, starting with needs

Independent educational tools connecting household support, obligations, recovery cash and confirmed cover. No insurer comparisons and no product recommendations.

Connected protection tools

One protection profile, connected tools

Coverage Gap Calculator

Estimate separate Life/TPD and critical-illness recovery cash gaps.

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IP Rider Cost Scenario

Test eligible-bill, deductible, co-payment and annual-cap scenarios.

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HPS & Mortgage Gap

Connect each owner's mortgage responsibility, CPF HPS and selected private cover.

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CareShield Care Shortfall

Compare official payouts, a care budget and explicitly selected monthly support.

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Insurance Premium Budget

Normalise known premiums, cash and MediSave funding, then make a neutral planning-reference comparison.

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Income Interruption Gap

Test confirmed income support, waiting periods, essential spending and selected liquid reserves month by month.

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Home & Contents Inventory

Separate building reconstruction, renovations, contents and personal belongings, counting a building amount only after responsibility is confirmed.

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IP Lifetime Affordability

Project your entered premiums through working and retirement years, separating cash and MediSave funding under official withdrawal limits.

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Understand the calculation first

From scenario to verifiable inputs

Life/TPD needsHousehold support, debts, education and resourcesCritical-illness recovery cashEssential spending, recovery time and care bufferCPF Dependants’ Protection SchemeCount DPS only after confirming current coverProtection reference dataDates, sources and calculation methods2026 IP rider changesDeductible, 5% co-payment and S$6,000 annual capMediShield Life vs Integrated Shield PlanUnderstand basic, private and rider coverage layersIP rider rules dataMOH rules, minimum deductibles and worked exampleHome Protection Scheme guideScope, coverage end and claim purposeHow much HPS cover do I need?Align individual payment responsibility and HPS shareMortgage cover after age 65Check the HPS end age against the remaining loanHPS mortgage coverage dataCPF rules, dates and calculator treatmentCareShield Life payout guide2026–2030 payouts and the age-67 freeze ruleCareShield payout dataOfficial CPF and MOH amounts, dates and calculator treatmentLong-term IP premium affordabilityAge-based withdrawal limits, cash needs and retirement scenariosIP premium affordability dataOfficial funding rules, dates and reliability boundary
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