Last year, MediShield Life went through a review, with big changes about to kick in this year.

But the largest impact might come from a technicality that many of us might not be familiar with: the pro-ration factor.

In this episode of WealthBT, host Genevieve Cua sits down with Alex Lee, president of the Singapore Actuarial Society, to explain the ins and outs of pro-ration, and unpack what these new changes mean for your financial stability and healthcare coverage.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:41 What is pro-ration?

04:00 Why are pro-ration factors being adjusted now?

05:21 Are insurance companies to blame?

09:10 Will IP premiums rise?

12:45 How to better protect yourself?

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Alex Lee, president, Singapore Actuarial Society

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua, Emily Liu & Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

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Website: bt.sg/btcorresp

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

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BT Money Hacks: bt.sg/btmoneyhacks

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See omnystudio.com/listener for privacy information.

Markets will do what they do in 2025, but there are ways to help you stay on an even keel.

Genevieve Cua sets out things you can anticipate in terms of returns, and trends in rates and inflation, including healthcare. Plus chalking up more in savings to maximise what the CPF can eventually pay you in retirement savings for life.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:16 What’s a realistic outlook for stocks and bonds

03.20 Trend in interest rates and inflation

04:33 CPF changes to enhance retirement savings

06:55 Brace for higher Integrated Shield premiums

09:38 Taking a fresh approach to your greatest asset: yourself

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Genevieve Cua (gen@sph.com.sg)

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua & Emily Liu

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

Apple Podcasts: bt.sg/btcoap

Spotify: bt.sg/btcosp

YouTube Music: bt.sg/btcoyt

Website: bt.sg/btcorresp

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

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Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

BT Podcasts: bt.sg/pcOM

BT Market Focus: bt.sg/btmktfocus

BT Branded Podcasts: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.

From Trump's return to AI advances, how will the 2025 investment landscape look? Will US stocks be able to keep up the bull run? If you have cash sitting in the bank account, where should you put it?

In this episode, Genevieve Cua sits down with Hou Wey Fook, the chief investment officer of DBS Bank, to break down the best investing strategies going into the new year. Plus, Wey Fook shares his secret recipe to riding the bulls and bears of the market.

Synopsis: Learn to protect and grow your wealth in this monthly Business Times podcast series for affluent individuals, hosted by BT wealth editor Genevieve Cua.

Highlights of the podcast:

01:32 Major trends going into 2025

02:38 Investment strategies for 2025

07:25 The barbell approach explained

09:19 Biggest risks to look out for

12:49 Better ways to use your cash

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Send your questions, thoughts, story ideas, and feedback to btpodcasts@sph.com.sg.

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Written and hosted by: Genevieve Cua (gen@sph.com.sg)

With Hou Wey Fook, chief investment officer, DBS Bank

Edited by: Emily Liu & Claressa Monteiro

Produced by: Genevieve Cua & Emily Liu

Engineered by: Chai Pei Chieh

A podcast by BT Podcasts, The Business Times, SPH Media

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Follow BT Correspondents:

Channel: bt.sg/btcobt

Amazon: bt.sg/btcoam

Apple Podcasts: bt.sg/btcoap

Spotify: bt.sg/btcosp

YouTube Music: bt.sg/btcoyt

Website: bt.sg/btcorresp

Do note: This podcast is meant to provide general information only. SPH Media accepts no liability for loss arising from any reliance on the podcast or use of third party’s products and services. Please consult professional advisors for independent advice.

---

Discover more BT podcast series:

BT Money Hacks: bt.sg/btmoneyhacks

BT Podcasts: bt.sg/pcOM

BT Market Focus: bt.sg/btmktfocus

BT Branded Podcasts: bt.sg/brpod

BT Lens On: bt.sg/btlenson

See omnystudio.com/listener for privacy information.