The ultimate price comparison of Integrated Shield Plans (NTUC, Prudential, AIA, Great Eastern + Aviva, AXA)


I finally got around to doing this and finally can get to say that this is really the ultimate price comparison with the numbers from all the insurance companies.

For my last post, I did not add in Aviva and AXA so I was reminded by many that it was not the ultimate price comparison yet. So now, besides NTUC, Prudential, AIA and Great Eastern, the numbers of Aviva and AXA were included as comparison to find out which is the cheapest.

As usual, for MediShield Life and its cost, please check out my previous post which has already covered it. The comparison is done similarly, I am just comparing the prices and not the other details like the the cash benefits.

I have tried to make the tables bigger but due to space constraints and with so many numbers, I think I might need a magnifying glass.

AXA (yellow boxes) is the cheapest while NTUC (orange boxes) is the second-most affordable
AXA (yellow boxes) is still the cheapest with NTUC (orange boxes) in a close second
NTUC (yellow boxes) reigns here with AXA (orange boxes) in a close second

So, I have shrunk the table to include only the total numbers. Remember, Medisave account is also your money and must be taken into account. The total here is equal to the total from the previous 3 tables, which is the sum of the Medisave and cash portion.

AXA (yellow boxes) is the cheapest while NTUC(orange boxes) is the second-most affordable
AXA (yellow boxes) is still the cheapest while NTUC (orange boxes) comes in a close second

NTUC (yellow boxes) reigns here with AXA (orange boxes) in a close second

For 100% coverage under private hospitals, AXA is cheaper than NTUC, with NTUC coming in second.
For 100% coverage under public hospitals with ward A and below, NTUC is the cheapest below 73 years old, while AXA is most affordable above 73 years old. Great
For public hospitals with ward B1 and below, NTUC is the most affordable below 80 years old while AXA comes in a close second.

For Me
The latest update from Prudential is that it offers a 10% discount to your existing premiums if you claimed less than $1000 for the past year. For myself, I continued on with PruShield A plus, which is the coverage under Ward A and below in public hospitals. Price is not as cheap as NTUC but as NTUC did not send any agents to me even after I called for them, I decided to just stick with Prudential.

Overall, AXA and NTUC are the cheapest. Previously I concluded that GE is second, but from these tables, I think GE is third behind both AXA and NTUC.

Please do not trust my calculations and look through the various benefits and policies that you have. I do not recommend NTUC or other policies because I get zero commission from this. Like me on Facebook to get more updates on relevant financial comparisons.

Snack with SNACK FIRST! Discount code in post! (By The Food Chapter)

 I am a snacker and I'd probably have eaten more snacks in my body weight than drank coca cola in this lifetime. Infact, I take my snacking very seriously because, calories should not be wasted on bad food (which is ironic because nutritionists would say, snacking in itself is bad).

Snack First is the place to go if you're a snacker like me, nuts, dried fruit, granola, cookies, biscuits and even crackers are part of their inventory. Shopping on their website made me as happy as a fat kid in a candy store.

I would have ordered everything to sample and here were my picks from their new product range!
Italian Spices Cashew - Name changed to Cheesy Cashew

Shiok Wasabi Green Peas


Abalone Creamy Macadamia


Satay Cashews 
I love how these snacks come in resealable satchets, which retain the freshness of these snacks. Well the assumption is they do not get polished off in a single seating. I particularly enjoyed the creamy macadamias though the wasabi peas could do with more wasabi.
The antioxidants medley is great with overnight oats too!  _____________________________________________________________________
This first appeared on The Food Chapter. Enter promo code TheFoodChapter15 to enjoy 15% off all purchases, until 31 October 2017.

ID vs Contractor

Following my last post regarding renovation tips, I got a few enquiries on the comparison between interior designers and contractors. Most people would be more familiar with ID because they have showrooms or are located at shopping malls for walk in enquiries. For contractors, it's always word-of-mouth because they don't publicise their services to end customers and mostly do projects for businesses and even IDs.

To get everyone more familiar with both terms, I am listing the differences here.

Should I take down this post? (My boss asked me to shut up Part 2)

I am deeply humbled and honoured by the outpouring of concern over my job and my future. I would like to take this opportunity to thank every one of you for being so nice and thoughtful towards me. I am happy I got to know some new friends who wrote to me to provide me with job opportunities and other helpful advice.

Thank you, from the bottom of my heart!

Flowers for all of you!

Cross road

The early morning quiet yet bustling activities at the airport.
The wait to board the plane.
The idleness on the plane and hoping for time to speed up.
The waiting for luggage and careful sighting of your own.
The arriving to a new country and hoping on a taxi to an unexplored place.

I enjoy it all.

My boss asked me to shut up

It's 2+ years since I got my ideal job as a regional sales manager. What prompted me to leave is not for higher pay or promotion but a big thank you to my boss. He gave me such a disastrous performance appraisal that seriously eroded my confidence for a few days.

The ultimate survival guide to conquering parenthood

Welcome to parenthood!

It's a time of confusion, anxiety and panic as you go through a different phase of life. With a baby growing inside the mother's belly, the physical changes are obvious but mentally, psychologically and financially, all parents will need to adapt accordingly so as to provide for a new born.

Not to worry, I am here to help! I have consolidated all the tips and articles here so that you know what to look out for and go into each post if you need more details. Feel free to drop me a mail if you ever wish to know something more, I am not an expert but just another mum who went through the same stage.

For the first trimester
Read what to do during the first trimester. Be prepared for the list of all prenatal tests and shortlist a good gynaecologist. One of the best post I have written, do check out this post and prepare yourself financially with the 9 financial tips you must know for pregnancy. You can also read the guidebook for new parents that was prepared by Mt Alvernia.

For the second trimester

Get prepare on what to do during the second trimester. Go shopping! Now it's time to get the 20 essential things before baby's arrival. Good time to go for a babymoon vacation and celebrate with the end of the morning sickness.

For the third trimester

Find out what to do during the third trimester. Don't forget to pack your hospital bag soon! Baby might just surprise you but you need to be ready for the bundle of joy. Time to shortlist your delivery hospital and set aside an amount the the delivery cost. You can check out my delivery charges and my labour story for a light hearted read. If you want a guy's point of view, check out Coftea's guest post on Being Dad - Things I know but didn't understand. Are you afraid of pain and are considering epidural? I did not go for it but that does not mean you should not.

Start of parenthood
Get ready the contacts for the confinement nanny and post natal massage. You can contact me if you want me or my friends' contacts, I am happy to share! For me, I did my own confinement and ordered confinement food instead. Eat more of these nutritious confinement food and snacks to recover properly.

Don't be too stressed up over breastfeeding if your breast milk does not kicks in. Continue breastfeeding as long as you can and supplement it with formula milk in the meantime. It's ok not to breastfeed exclusively and hope my top 20 breastfeeding tips can help you out. Try to get a good breast pump and eat these breastmilk boosting food to help your supply.

Below is a table I kept checking out during the first few months. Being an anxious new mother, I was worrying whether baby was drinking well and sleeping normally. Every parent goes through this stage. After a while, you will be more assured that baby will feed when they are hungry and they will sleep when they are tired. If they don't drink now, they will make up for it later. Sleeping not as much is also normal because all babies are different. This is just a guide and babies do behave abnormally during growth spurt phases.

For formula milk and diapers, I did some comparison of prices as I was confused about the many brands. You can read my Ultimate price review to formula milk and Ultimate price review on diapers. I actually switched from formula milk to cow milk after baby's 15 months with encouragement from my PD.

I was also contemplating between infant care vs maid vs nanny. In the end, I went with an infant care and have shared here on how to choose a good infant care.

With all the costs calculated, read up on the cost of raising a child in Singapore so that you can decide whether to go for a second baby.

I hope you find all these information useful. It's not supposed to be overwhelming and you are not alone. Contact me anytime if you need help on other topics and just focus on the positive moments you will have. Pain and lack of sleep are only for a short period of time but the returns, rewards and happiness are so much more than I could ever have imagined.

I guarantee you will feel the same way too. :)

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SimplySalesTalk: Retrenchment

I was just talking to my company's Global Operations Director on his career.

He started out as a top graduate, landing the role to design the mechanical intricacies and piping of a production plant. Slowly, he worked his way up, moving to China to build a plant from scratch and was in charge of the whole production team of thousands. I was impressed but more curious how he managed to stay in the same job for the last 20 years.

Sugar vs honey vs maple syrup and other sweeteners

In this fight against diabetes, it's high time we take a look at the substitutes of sugar and determine which we should change to.

We can never get rid of sugar completely, think about our ice cream, soft drinks, coffee, desserts, chocolates and Honey Creamy Macadamia. We are just flooded with sweets and it makes us feel so much happier after consuming them.  Of course we can't eat too much of sweet things. Let's see how we can replace them with other alternatives and you can decide what is good for you!

5 money saving tips on renovation

I have not blogged much about renovation and wedding preparations mainly because I started this blog after I was married. So there is a big chunk of information missing and I would like to catch up on that. This post comes because many of my friends kept asking me these questions and so, I think sharing this will benefit more people in time to come.
I really did paint my own house