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

Why do intelligent, hard-working people still struggle financially in retirement — and what do they miss along the way?

Straits Times Invest Editor, Tan Ooi Boon and author of Retire With More Money discusses the money traps and glimmering opportunities available to us here in Singapore to retire well using foresight.

From CPF blind spots and property laws to marriage, legacy planning and investment traps, this conversation tackles the issues people avoid until it’s too late.

We unpack real-life cases of devastating financial mistakes - and the quiet habits that protect wealth over decades.

This is a discussion for readers, investors, and lifelong learners who believe thinking well is the foundation of living well.


Money and Me - hosted by Michelle Martin.

Why do intelligent, hard-working people still struggle financially in retirement &mdash; and what do they miss along the way?
Straits Times Invest Editor, Tan Ooi Boon and author of Retire With More Money discusses the money traps and glimmering opportunities available to us here in Singapore to retire well&nbsp;using foresight.
From CPF blind spots and property laws to marriage, legacy planning and investment traps, this conversation tackles the issues people avoid until it&rsquo;s too late.
We unpack real-life cases of devastating financial mistakes - and the quiet habits that protect wealth over decades.
This is a discussion for readers, investors, and lifelong learners who believe thinking well is the foundation of living well. 
Money and Me - hosted by Michelle Martin.

Money and Me: Retire With More Money

Asia’s markets are mixed this Christmas Eve - but beneath the calm, powerful themes are moving capital fast as investors weigh healthcare breakthroughs, defence spending, and surging commodities.

Novo Nordisk jumps as US regulators approve the first-ever GLP-1 weight-loss pill, reshaping the obesity drug market.

US defence stocks rally, with Huntington Ingalls riding expectations of higher military spending and domestic shipbuilding.

Huawei defies expectations, pushing into ultra-luxury electric vehicles and outselling traditional European carmakers in China.

Meanwhile, copper and platinum hit record highs, fuelled by supply constraints, electrification, AI demand and tariff stockpiling.

From Singapore stocks to luxury crab replacing caviar, this is Market View - hosted by Michelle Martin solo.

Asia&rsquo;s markets are mixed this Christmas Eve - but beneath the calm, powerful themes are moving capital fast as investors weigh healthcare breakthroughs, defence spending, and surging commodities.
Novo Nordisk jumps as US regulators approve the first-ever GLP-1 weight-loss pill, reshaping the obesity drug market.
US defence stocks rally, with Huntington Ingalls riding expectations of higher military spending and domestic shipbuilding.
Huawei defies expectations, pushing into ultra-luxury electric vehicles and outselling traditional European carmakers in China.
Meanwhile, copper and platinum hit record highs, fuelled by supply constraints, electrification, AI demand and tariff stockpiling.
From Singapore stocks to luxury crab replacing caviar, this is Market View - hosted by Michelle Martin solo.

Market View: Pills, Warships & Copper at Record Highs

Markets are shifting fast - not just what you invest in, but how you stay ahead when trading never stops.

As NASDAQ moves toward a 23-hour trading day, investors face a world that’s always-on, faster, and more volatile.

At the same time, AI enters its second phase, with infrastructure players like Micron powering the data-centre boom.

And AI is no longer just in servers - it’s moving onto our faces, as smart eyewear reshapes consumer tech.

So which trends are structural, which are cyclical, and where should investors be wary of hype?

We break it all down, hosted by Michelle Martin and Swapnil Mishra, Author of "Investing for the Clueless, Reckless and Overly Cautious".

Markets are shifting fast - not just what you invest in, but how you stay ahead when trading never stops.
As NASDAQ moves toward a 23-hour trading day, investors face a world that&rsquo;s always-on, faster, and more volatile.
At the same time, AI enters its second phase, with infrastructure players like Micron powering the data-centre boom.
And AI is no longer just in servers - it&rsquo;s moving onto our faces, as smart eyewear reshapes consumer tech.
So which trends are structural, which are cyclical, and where should investors be wary of hype?
We break it all down, hosted by Michelle Martin and Swapnil Mishra, Author of "Investing for the Clueless, Reckless and Overly Cautious".

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

Money and Me

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