IPG Insurance

28/10/2026

Local health insurance is built around treatment in Singapore. Travel insurance is for emergencies on a trip. What covers you when your life is in more than one country? 🌏

That's IPMI: international private medical insurance. The policy follows you, not your address.

Feature to check first: guaranteed renewability. It means a diagnosis mid-year can't ordinarily be used to refuse your renewal (subject to the policy terms). ✅

Who needs it: people on an EP whose cover ends with the job, families who move, teams spread across the region. If you're staying in one country for good, you may not. 🙂

21/10/2026

Leaving your job? Your health insurance is probably leaving too. 👋

The company policy belongs to your employer, not to you. Last working day often means last day of cover, for your family too.

Two questions for HR before you go:
1️⃣ What is my exact last day of medical cover?
2️⃣ Is there a conversion option to an individual plan?

And the part people miss: anything diagnosed while you were on the company plan becomes part of your medical history when you apply on your own. 😬

If continuity matters, it's easier to look at your own cover while you're healthy than after a diagnosis.

14/10/2026

Two health insurance quotes. One is cheaper. Sign it? 🤔

First find one phrase on the policy: moratorium, full medical underwriting, or medical history disregarded. It decides how your past is treated when you claim.

📝 Full underwriting: declare everything now, know exactly where you stand.
⏳ Moratorium: no forms, but recent conditions generally aren't covered until the insurer's symptom-free period is met.
🏢 Medical history disregarded: group plans only, and it ends when you leave the job.

Same knee surgery, same bill, three different results. Do you know which phrase is on your policy?

08/10/2026

Haze season is not a weather problem. It is a health problem that comes with a forecast.

On 6 October, NEA's 24-hour PSI read 102 to 135, in the Unhealthy range. NEA's advice is simple: check the 1-hour PM2.5 before you go out, and use the 24-hour PSI to plan your week.

Three things worth doing before anyone gets sick:

1. Check whether your health plan includes teleconsultation. A call today is better than an emergency room visit on Friday.
2. If someone at home has asthma or a heart condition, make sure their medication is within reach.
3. Employers: MOM's haze guidelines ask you to rotate outdoor staff and schedule indoor rest breaks. A one-line reminder to your team counts.

Not sure what your plan covers during the haze? Ask your adviser. That is what we are here for.

07/10/2026

EP salary bar going up to S$6,000 from 2027. 📈

Here's the part nobody tells EP holders: MOM makes employers insure S Pass and Work Permit holders for at least S$60,000 of hospital care. For Employment Pass holders? No requirement at all. 😮

So your protection is whatever your employer chose to provide. Often without your family, and it usually ends when the job does.

Three questions for HR: Is my family covered? Is outpatient covered? What happens when I leave? 🤔

If the answer is "not sure", that's the gap.

30/09/2026

The renewal letter lands. Premium up by double digits. Again. 😩 No big claims, same team, same plan. And now you have to explain it to the boss.

Insured medical costs in Singapore are rising faster than almost anywhere in the region, and your renewal is priced on that trend, not on how careful your team has been. 📈

First instinct: cut benefits. Your employees will notice before your finance team does.

Better: ask for your claims report and see what's actually driving the number. Dental 🦷, physio 🏃 and specialist visits are often the ones to look at. Small design changes can help, and nobody loses cover.

Renewal in January? Ask for that claims report this week. 📋

23/09/2026

Singapore's cyber agency just published its yearly report: ransomware is up again, and SMEs were hit hardest. 🚨

Founders still think this is a "big company problem". It isn't.

The typical incident is boring: a hacked email account, an invoice paid to the wrong bank, a phishing link clicked by a junior. 📧

Biggest mistake we see: assuming your existing business insurance covers it. Often it doesn't. 🤷‍♀️

If your company sends invoices by email, you have cyber exposure. Do you know what would actually pay? Tell us in the comments.

22/09/2026

Happy Mid-Autumn Festival 🌕

On Friday night, a lot of people in Singapore will be looking at the same moon their parents, siblings or friends are looking at a few thousand kilometres away.

That sounds familiar to many of the people we work with. Families split across countries. Teams spread across borders. Careers built far from where they started.

Mid-Autumn is a nice reminder that distance changes many things, but not necessarily the people who matter.

From all of us at IPG, we wish you and your loved ones a warm and happy celebration.

Same moon. Brighter tomorrows.

14/09/2026

Searching for the best health insurance in Singapore? The honest answer: it depends on who you are and where life may take you next.

For people living and working here on a pass, the right plan looks different than it does for a lifelong resident. We compared the options for 2026: https://ipg.sg/blog/best-health-insurance-singapore-expats/

Compare the best health insurance for expats in Singapore. Learn the differences between local, international and employer plans before you choose.

10/09/2026

Local health insurance costs less. International plans follow you. Which do you actually need?

It depends less on the brochure and more on your life: where you may live next, who depends on you, and how long you plan to stay.

A practical decision framework: https://ipg.sg/blog/international-vs-local-health-insurance-singapore/

Local plans cost less. International plans follow you. A decision framework for choosing health insurance in Singapore, from an advisory that builds both.