More than seven in ten Singapore residents pay for private health insurance on top of a national scheme that already covers them for life, as of the first quarter of 2026.

That’s not an accident. It reflects what the Integrated Shield Plan (IP) offers that MediShield Life doesn’t, and in my opinion, it remains one of the most important types of insurance you can hold in Singapore.

But the rules changed meaningfully in 2025 and 2026, so whether you’re buying your first IP or wondering if your current one is still worth its premiums, here’s how it all works now.

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If you leave money in a savings account for 20 years, inflation can reduce how much it will buy.

That’s a real problem when the money has a job to do on a set date, like paying for your child’s university or funding your retirement.

An endowment plan is one way Singaporeans save for dates like these. This guide covers how they work, what to compare, and when one makes sense (and when it doesn’t).

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