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The greatest wealth is health!

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Healthcare

Lifestyle

Fitness: 1) attend HPB workouts. Under their Sunrise in the City programme, there are alot of classes by alot of studios/gyms all over sg. Sign up for the mailing list so you know when the booking window opens, cuz popular slots like weekend workouts get snapped up really fast! 2) use your ActiveSG dollars if yours are still valid. Some people's expire alr. 3) if you need help getting out of bed for exercise, wear your workout clothes to sleep. Once you wake up next morning you're almost ready to go! 4) if nice workout clothes motivate you, then just buy them. But don't buy too many lah. Look out for sales at your favourite brand, check out outlet stores, and maybe go jb/usa buy. I generally refuse to buy workout clothes at their original price. 5) follow your favourite brands on social media. They often have free events that you can work out at, and most would come with some sort of discount for their products. And you'll also know when the sales are, for Point 4 abv. 6) download fitness apps and subscribe to fitness youtube channels so you can workout whenever wherever. I like the rockstar fit app by Natalie Dau, videos by blogilates (Cassey Ho) and Emi Wong are cool too, and a tabata counter app helps time my tabata workouts at home. 7) make your steps count! Apps that reward you for simply walking include the AIA vitality and HPB healthy 365. 8) if you need motivation to run, sign up for virtual races with 42race. Normal virtual races usually cost just $9.90 for various distances, and they mail a medal to your home. The medal designs are always quite thoughtful! You may also sign up for free virtual races, those come w virtual medals. And most races come w lucky draws too! 9) when on holiday, make use of the hotel gym or find a fitness class nearby. Exercise in the morning e.g. sunrise yoga by the beach, and carry on your vacation after that! 10) check out parks and nature reserves in sg instead of walking in shopping malls. 11) find a fitness buddy because exercises are usually more fun to do w a friend. Sometimes got 1-for-1 deals too. 12) make use of free/cheap trials to workout and to explore gyms! Examples are fitness first, pure yoga, guavapass, classpass. 13) find sports teams to join so you have some community support, and that would most likely push you to work harder. Check out running teams like running department, adidas runners, the high panters etc. For other sports, check out USports. If your company has sports interest groups too then just join! 14) Check if your company has corporate rates for gyms. Could save you quite abit if you're alr thinking of signing up! Diet: 1) hydrate mostly w water. Bring a full water bottle out and refill wherever since sg tap water is fine. 2) working out more often will likely make you hungry easily, so stash aside some nuts for a healthy cheap snack. Buy no-brand ones weighed out for you at bugis market, or maybe wet markets near your home will have too. 3) research on whether popular supplements like protein shakes, BCAA etc will rly help in your workout. Quite likely you're not working out at the intensity that justifies buying such pro stuff. 4) no need to buy expensive healthy/clean food like daily cut/ommivore/whatever. Modify your favourite hawker food like more veg/less rice/whole grain, or try food prepping. I'm a cheapo lazy bum so i usually just go to a cai png stall that doesn't look too oily. 5) But if you really want actual healthy food, usual cheap food hacks apply too--shop at clearance aisles, use entertainer/burpple beyond apps. Im quite glad that Wafuken is on entertainer! 6) treat yourself when you're really craving for sth. Like, if you want a coke just do the normal coke, don't do coke light/zero cuz the satisfaction level is different. If you want a latte just do full cream milk cuz it's nicer and you're not saving very many calories by switching to skinny anw. You'll be miserable/angsty if you keep forcing yourself to eat clean all the time. Your healthy lifestyle should be one that's sustainable. Have fun!

Insurance

CPF

Healthcare

Elijah Lee
Elijah Lee
Top Contributor

Top Contributor (Jun)

Level 7. Grand Master
Answered on 17 Jun 2019
Details are not known yet, so it is hard to tell. However, presuming you have Eldershield already, then it would be better to ensure you have enhanced it first. Should anything occur to your health between now and the introduction of careshield life (touch wood), you might not even be able to transit to careshield life at all. Should you still be healthy when careshield life is launched, then you may compare and decide if porting over is worth it.

Healthcare

General

Yeap Ming Feng
Yeap Ming Feng, Head of Content & SEO at Seedly
Level 5. Genius
Answered on 14 Jun 2019
Hi, Thanks for reaching out. The source of information is actually public information from the Ministry of Health where they puiblish the historical transacted medical bill information. The latest report is as of 30 June 2018. Check it out here: https://www.moh.gov.sg/cost-financing/fee-benchmarks-and-bill-amount-information

Insurance

Savings

Family

Hospitalisation Insurance (H&S)

Healthcare

Health Insurance

E
Eugene
Level 2. Rookie
Answered on 06 Jun 2019
Well what you can do now is to do a policy review to reassess your current financial status. Having to save on premium might mean that you're spending too much on other stuff? If you're interested I can intro you my agent l. He's done a pretty good job so far. Not too pushy either.

Insurance

AIA Hospital Income

Healthcare

Health Insurance

Hi there, Max Essential A Saver did not change to Vital Health Rider. It's more of a new offer that is compliant with MOH guidelines as what Hariz has mentioned. If you are owning the Max Essential A Saver you can keep it. If you are owning the Max Essential A you can downgrade to either the Essential A Saver or Vital Health A. For age30-40, price gap between Essential A saver and Vital Health is about $50/y only. The essential A Saver rider covers 100% for you and has a possible daily hospital cash if you downgrade. I'd attach my analysis here if you want to know more. Also, contact a qualified adviser to understand further, good luck. https://www.theastuteparent.com/2018/12/aia-healthshield/ !
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Healthcare

Hospitalisation Insurance (H&S)

Insurance

Hey there, Welcome to the workforce! 😆 The type of plans you mentioned has different structures though the primary purpose are still for wealth protection. Get a plan that suit your needs (be it term, whole life or ILP). Understand how they work, seek out professional advice base on your circumstances and get the plan you think is best suited for you. I will recommend you to get from an advisor that you are comfortable with and not so much focus on the company. All 3 companies you mentioned above are great companies. The same types of plans in the market are also 80-90% similar in their structure even if they are different companies. So choose the advisor first then the company, I will say.

Healthcare

Stocks

Investments

Sandra Teo
Sandra Teo
Level 6. Master
Answered on 04 Apr 2019
Parkway Life REIT is a popular REIT as it is the lowest-yielding REIT in Singapore and has a portfolio valuation of S$1.75 billion. First REIT was the first healthcare REIT in Singapore and its portfolio is valued at S$1.35 billion. Distribution Yield Parkway Life has a distribution yield of 4.6% whereas First REIT has a yield of 8%. The REIT is also below the average S-REIT yield which is currently more than 6%. Typically, the higher the distribution yield, the lower the valuation. Parkway Life REIT has a premium valuation as it has a below-average distribution yield. Earnings Growth First REIT has a steady revenue growth from $83.3 million in 2013 to $111 million in 2017 ( GACR of 7.01% ). Its net property income has also risen from $80.2 million to $109.47 million (CAGR of 6.71%). Parkway Life REIT grew its revenue from $93.7 million in 2013 to $109.9 million in 2017 (CAGR of 3.24%) . Its net property income expanded from $87.6 million to $102.6 million in 2017 (CAGR of 3.21%). ! ! DPU In terms of distribution per unit, Parkway REIT has steadily increased its DPU since its IPO in 2007, achieving a CAGR of 7.7% from 2007 to 2017. First REIT grew its DPU from 3.39 cents to 8.57 cents, giving investors a CAGR of 10.9%. ! ! Gearing Ratio and Cost of Borrowing As of 31 December 2018, Parkway REIT has a gearing ratio of 36.1% while First REIT's gearing ratio maintains at 35.0%. Both REITs are within MAS's gearing limit of 45%, however First REIT's lower gearing ratio provides it with more flexibility to capitalise on investment opportunities for growth. The cost of borrowing for Parkway Life REIT and First REIT is 0.94% and 3.74% respectively. Growth Prospects Parkway REIT has visible organic growth income and low cost of debt will allow the REIT to fund future acquisitions. The REIT also released in its annual report that the REIT will remain committed to grow its portfolio in Japan to ride on the country's bouyant healthcare sector. As Japan's population is ageing fast, the demand for aged care facilities would drive demand for healthcare properties in the country. The major drivers for First REIT is the growing demand for healthcare-related services in Indonesia and the progress of the national health insurance system (Jaminan Kesehatan Nasional) that aims to target the country's populace by 2019. Overall, while First REIT has a lower gearing ratio, it has a higher borrowing cost and longer term to maturity. This places Parkway REIT at a better position in the long term due to its lower cost of borrowing. First REIT's DPU increases at a higher rate than Parkway Life REIT. While both healthcare REITs have a strong balance sheet and potential for future growth, First REIT has a greater potential as it has historically been able to increase revenue without increasing its debt load.
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Healthcare

Lifestyle

Eileen Kang-Wang
Eileen Kang-Wang
Level 2. Rookie
Updated on 20 Mar 2019
Check out our tool at https://www.smarterhealth.sg/smarter-prevention You answer 5 questions (input your age, gender, family history, budget and preferred country) and we surface the top 5 most suitable health screening packages for you in merely 30 secs! We work with some of the best, private health screening providers in Singapore and Malaysia, and offer you up to 5% off walk-in rates.

Healthcare

Lifestyle

Depends on what you like. I've had colleagues who do well with carrots & celery in NZ company culture and for all others; chocolate do the trick (dark choc with at least 70% solids are healthy and good combo especially with almond). Most important thing is look at labels and don't get anything processed if you're looking for healthy snacks. If nuts is an option for you; simply swing by cold storage for their selection by weight (the type you can select and weigh accordingly). I find it more affordable than nuts specialty shops and those packaged version seems to always be of sugarcoated or salt laden option. Otherwise if cookies are your calling(mine is), try to find your neighbourhood if there are any bakeries with healthier options.

Health Insurance

Healthcare

Family

Insurance

Don't think there is any. Our local Shield Plans have a last entry age of 75, plus not many seniors would be of pink of health at that age either.
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