From April 2026, new Integrated Shield Plan riders will no longer cover deductibles, and your annual out-of-pocket cap doubles to S$6,000 under the latest Ministry of Health overhaul.

Premiums are expected to drop by about 30%, as policymakers push patients to shoulder more costs to cool the runaway private healthcare inflation.

We break down what’s changing, what stays, and how to plan your medical sinking fund with Elijah Lee, Senior Financial Services Manager at Phillip Securities - all hosted by Michelle Martin.

From April 2026, new Integrated Shield Plan riders will no longer cover deductibles, and your annual out-of-pocket cap doubles to S$6,000 under the latest Ministry of Health overhaul.
Premiums are expected to drop by about 30%, as policymakers push patients to shoulder more costs to cool the runaway private healthcare inflation.
We break down what&rsquo;s changing, what stays, and how to plan your medical sinking fund with Elijah Lee, Senior Financial Services Manager at Phillip Securities - all hosted by Michelle Martin.

Your Money With Michelle Martin (9am - 12pm) It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

Your Money With Michelle Martin (9am - 12pm) It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,  manage your expenses and start your smart money investment journey today. 

Michelle Martin speaks with financial advisors on how to make the most of your money. Learn how to get started,&nbsp; manage your expenses and start your smart money investment journey today.&nbsp;

Money and Me

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.

In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore&rsquo;s first and only Business and Personal Finance station. MONEY FM is a 24-hour English talk format station featuring local and international business and financial news. We provide you with financial market and currency updates and insights from analysts, economists, policy makers, industry experts and business owners.
In the lighter hours, listen to discussions on social issues and features on topics that include health, education, arts and music.

MONEY FM 89.3 is Singapore’s first and only Business and Personal Finance station.

MONEY FM 89.3

How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It’s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with “Influence” and hear from great authors in “Read”.

It&rsquo;s all about Your Money with Michelle Martin from 9am to 12pm. How to save, invest and make the best financial decisions for yourself. Listen to inspiring thinkers with &ldquo;Influence&rdquo; and hear from great authors in &ldquo;Read&rdquo;.

Your Money with Michelle Martin (9am - 12pm)

Money and Me: Your Medical Bill Is About to Change - What the New Shield Plan Rules Really Mean

Asia’s markets are flashing mixed signals - so how is a smart investor to think through where to really place money?

Michelle Martin unpacks Morningstar’s Q1 2026 Asia Investment Outlook with Lorraine Tan, cutting through the noise on growth, rates and risk.

From AI-driven earnings to valuation support - what’s real, what’s hype, and where the cracks could form.

We zoom in on fund flows, asset allocation shifts, and how China and Japan are shaping the regional picture.

Plus four Singapore stocks in focus - Singtel, StarHub, ST Engineering and SIA - and what investors should actually watch for next.

Finally, we talk portfolio anchors, red flags, and how to balance opportunity with defence in the year ahead - hosted by Michelle Martin.

Asia&rsquo;s markets are flashing mixed signals - so how is a smart investor to think through where to really place money?
Michelle Martin unpacks Morningstar&rsquo;s Q1 2026 Asia Investment Outlook with Lorraine Tan, cutting through the noise on growth, rates and risk. From AI-driven earnings to valuation support - what&rsquo;s real, what&rsquo;s hype, and where the cracks could form.
We zoom in on fund flows, asset allocation shifts, and how China and Japan are shaping the regional picture.
Plus four Singapore stocks in focus - Singtel, StarHub, ST Engineering and SIA - and what investors should actually watch for next.
Finally, we talk portfolio anchors, red flags, and how to balance opportunity with defence in the year ahead - hosted by Michelle Martin.

Money and Me: Asia at the Crossroads - AI, Valuations and What Really Matters in 2026

Markets are wobbling as geopolitics heats up - and investors are heading for cover.

Asia-Pacific stocks slide as US–Europe tensions flare over Greenland and fresh tariff threats.

European equities retreat while safe havens shine, with gold and silver near record highs.

A Hong Kong billionaire’s call to put 20% into gold raises eyebrows - is this a regime shift?

Back home, Frasers Centrepoint Trust weighs JB competition as the RTS Link nears reality.

Plus UP or DOWN on HSBC, Stellantis, De Beers and IJM, the STI check-in, and Hollywood’s sequel-heavy 2026 - hosted by Michelle Martin with Ryan Huang.

Markets are wobbling as geopolitics heats up - and investors are heading for cover.
Asia-Pacific stocks slide as US&ndash;Europe tensions flare over Greenland and fresh tariff threats.
European equities retreat while safe havens shine, with gold and silver near record highs.
A Hong Kong billionaire&rsquo;s call to put 20% into gold raises eyebrows - is this a regime shift?
Back home, Frasers Centrepoint Trust weighs JB competition as the RTS Link nears reality. Plus UP or DOWN on HSBC, Stellantis, De Beers and IJM, the STI check-in, and Hollywood&rsquo;s sequel-heavy 2026 - hosted by Michelle Martin with Ryan Huang.

Market View: Tariffs, Tensions and the Rush to Gold

Asia’s tech story may be entering a very different growth phase - and it’s not all about AI.

Michelle Martin and Ryan Huang unpack Macquarie’s bullish call on Asia internet stocks driven by gaming, music, super-apps and cultural exports.

From K-pop giant HYBE to platforms like Tencent, Baidu and Kakao, the focus shifts to monetising ecosystems people already live on.

The duo also examine Bernstein’s bullish bet on BYD - not just as a carmaker, but a vertically integrated tech play.

Global tensions rise as President Trump revives trade war threats against Europe, while earnings season heats up in the US.

All this and more, including Intel, Micron and Singapore market movers - hosted by Michelle Martin with Ryan Huang.

Asia&rsquo;s tech story may be entering a very different growth phase - and it&rsquo;s not all about AI.
Michelle Martin and Ryan Huang unpack Macquarie&rsquo;s bullish call on Asia internet stocks driven by gaming, music, super-apps and cultural exports.
From K-pop giant HYBE to platforms like Tencent, Baidu and Kakao, the focus shifts to monetising ecosystems people already live on.
The duo also examine Bernstein&rsquo;s bullish bet on BYD - not just as a carmaker, but a vertically integrated tech play.
Global tensions rise as President Trump revives trade war threats against Europe, while earnings season heats up in the US.
All this and more, including Intel, Micron and Singapore market movers - hosted by Michelle Martin with Ryan Huang.

Money and Me: Your Medical Bill Is About to Change - What the New Shield Plan Rules Really Mean

In 3 playlist(s)

Your Money with Michelle Martin (9am - 12pm)

Social links

Follow podcast

Recent clips