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.

Start your day on a positive note with Live Well with Michelle Martin.

The show explores wellbeing in all its dimensions — from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas — from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.

In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint — with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Start your day on a positive note with Live Well with Michelle Martin.
The show explores wellbeing in all its dimensions &mdash; from self-awareness and personal growth to money, investing, and everyday lifestyle. Through thoughtful interviews and engaging conversations, Michelle speaks with experts and changemakers on living and ageing well, while helping you discover new ideas &mdash; from great books on READ and inspiring voices on INFLUENCE, to practical financial insights on MONEY AND ME.
In a fast-moving world that can often feel overwhelming, Live Well offers a refreshing counterpoint &mdash; with insights, ideas and stories that help you feel informed, empowered and ready to take on the day.

Live Well with Michelle

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

Start your day on a positive note with Live Well with Michelle Martin.

Live Well with Michelle (10am to 1pm)

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

Could the World Cup be this year's most unexpected investment theme?

Hosted by Michelle Martin, we explore which stocks could benefit from a US$17 billion World Cup boost to the U.S. economy.

Markets are also rallying on news of a U.S.-Iran ceasefire, sending oil prices lower and investors back into risk assets.

Plus, SpaceX surges after its blockbuster IPO debut while Anthropic faces a regulatory setback.

And we look ahead to a major Nasdaq-100 reshuffle that could create fresh winners and losers in the AI trade.

Could the World Cup be this year's most unexpected investment theme?
Hosted by Michelle Martin, we explore which stocks could benefit from a US$17 billion World Cup boost to the U.S. economy.
Markets are also rallying on news of a U.S.-Iran ceasefire, sending oil prices lower and investors back into risk assets.
Plus, SpaceX surges after its blockbuster IPO debut while Anthropic faces a regulatory setback.
And we look ahead to a major Nasdaq-100 reshuffle that could create fresh winners and losers in the AI trade.

Market View: The $17 Billion World Cup Opportunity Investors Are Watching 

This episode looks at why playfulness may be an overlooked ingredient in workplace wellness, and what the office of the future could look like.

Meet the Singaporean whose official Snoopy furniture is popping up at Changi Airport, libraries in Singapore, Gavin Woo, Founder of Office Planner. He shares how workplace expectations have shifted from efficiency and cost control to connection and purpose.

This episode looks at why playfulness may be an overlooked ingredient in workplace wellness, and what the office of the future could look like.
Meet the Singaporean whose official Snoopy furniture is popping up at Changi Airport, libraries in Singapore,&nbsp;Gavin Woo, Founder of Office Planner. He shares how workplace expectations have shifted from efficiency and cost control to connection and purpose.

Live Well with Michelle: Could a Snoopy Office Make You Happier at Work?

Hosted by Michelle Martin, this episode brings together Willie Keng of Dividend Titan (https://www.dividendtitan.com) and Paul Chew of Phillip Securities for a high-stakes debate on some of the market's biggest investment questions.

Has Singtel transformed itself from a steady telco into a compelling AI and digital infrastructure play, or has the market already priced in the good news?

Is DBS still Singapore's crown jewel, or are investors paying too much for quality after a decade of stellar returns?

The bulls and bears clash over whether Singapore REITs are finally back, whether the STI's best years still lie ahead, and whether investors should stick with the Magnificent Seven or start looking elsewhere.

Hosted by Michelle Martin, this episode brings together Willie Keng of Dividend Titan (https://www.dividendtitan.com) and Paul Chew of Phillip Securities for a high-stakes debate on some of the market's biggest investment questions.
Has Singtel transformed itself from a steady telco into a compelling AI and digital infrastructure play, or has the market already priced in the good news?
Is DBS still Singapore's crown jewel, or are investors paying too much for quality after a decade of stellar returns?
The bulls and bears clash over whether Singapore REITs are finally back, whether the STI's best years still lie ahead, and whether investors should stick with the Magnificent Seven or start looking elsewhere.

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

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Live Well with Michelle (10am to 1pm)

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