Pang Zhe Liang

Here are 7 factors that you should consider when deciding between private or public healthcare insurance in Singapore.

The final factor is about to worsen.

https://www.pzl.sg/blog/private-vs-public-healthcare-insurance-in-singapore/

Private vs Public Healthcare Insurance in Singapore • PZL Blog | Singapore Here are seven factors to take into account when you debate on private vs public healthcare insurance in Singapore.

Do you know that your integrated shield plan will not cover all types of hospital bills?

Learn the three key factors that the insurers use to determine whether a claim is admissible.

https://www.pzl.sg/blog/what-does-integrated-shield-plan-cover-in-singapore/

What does an Integrated Shield Plan cover in Singapore • PZL Blog | Singapore In order for an integrated shield plan to admit your medical claim, it needs to fulfil 3 criteria. Learn how to make a successful claim today.

Rewritten from the ground up, I have meticulously categorised all the common expenses and matched them with the optimal credit card (that I have) to earn the highest credit card rewards (mainly for miles collection).

https://www.pzl.sg/blog/how-to-maximise-credit-card-rewards-singapore/

How to Maximise Credit Card Rewards Singapore: 2024 Edition • PZL Blog | Singapore Based on my spending pattern, I share how I pick the right credit card to maximise the rewards that I can get to that end.

Reshuffled my credit card deck to welcome the introduction of the DBS yuu card.

Meanwhile, UOB Absolute Cashback, UOB One and HSBC Revolution have slipped down the pecking order.

https://www.pzl.sg/blog/which-credit-cards-do-i-have-singapore/

Which Credit Cards do I have Singapore: 2024 Edition • PZL Blog | Singapore Find out the main benefits and cost to the seven credit cards that I am holding onto in 2024 and why I use them specifically.

There is more than one compelling reason to get the integrated shield plan rider now.

https://www.pzl.sg/blog/should-i-buy-rider-for-integrated-shield-plan-in-singapore/

Should I buy Rider for Integrated Shield Plan in Singapore? • PZL Blog | Singapore Given that additional cost of insurance premium, we evaluate whether you should buy the rider for an integrated shield plan.

The integrated shield plan rider is an optional add-on to the main integrated shield plan (“Main IP”). Summing up, its primary purpose is to cover the cost of the deductible and the co-insurance incurred under the Main IP. Under those circumstances, your out-of-pocket cost will be limited to the co-payment, a lesser amount compared to the entire medical bill.

Additionally, some of these riders provide enhanced coverage for Cancer Drug Treatments and Cancer Drug Services.

With this in mind, let’s learn about the integrated shield plan rider and how it works in this post.

https://www.pzl.sg/blog/what-is-integrated-shield-plan-rider-singapore/

What is Integrated Shield Plan Rider Singapore • PZL Blog | Singapore Learn about the integrated shield plan rider and how it helps to reduce your out of pocket expenses for your medical bill.

I have been purchasing my home’s electricity from Senoko Energy over the past 2 years. As compared to staying with SP Group, I saved an average of $7.24 a month by taking up a 12-month fixed price plan with Senoko Energy.

Check out my full review to learn how to save money on your electricity bill today.

https://www.pzl.sg/blog/senoko-energy-review-singapore/

Senoko Energy Review Singapore: More than just Great Electricity Rates • PZL Blog | Singapore Learn about my experience with Senoko Energy and why you should choose them as your open electricity market retailer. Referral Code: LFSBFXNC

The latest comparison for the Open Electricity Market Retailers is out!

Read this post if you want to learn how to save on your electricity bill by switching over to an open electricity market retailer.

https://www.pzl.sg/blog/how-to-choose-an-open-electricity-market-retailer-in-singapore/

How to Choose an Open Electricity Market Retailer in Singapore • PZL Blog | Singapore Find out which open electricity market retailer gives you the cheapest electricity rate. Stop overpaying your electricity bill today!

If you are able to spend within the “ yuu ecosystem”, then the DBS yuu card will give you unbeatable cash rebates for your spending.

Here is my review on why I will be spending $600 to save $108 every month.

https://www.pzl.sg/blog/dbs-yuu-card-review-singapore/

DBS yuu Card Review Singapore: Unbeatable Cash Rebates for Your Spending • PZL Blog | Singapore The DBS yuu card is currently one of my favourite reward points credit card where I can earn up to 18% cash rebates for my spending.

The Singlife Account allows you to earn a non-guaranteed crediting rate of 3.5% per annum for your deposit. For this purpose, you only need to jump through one hoop.

Meanwhile, yes, this is a capital-guaranteed insurance savings plan with no lock-in period. Rejoice!

https://www.pzl.sg/blog/singlife-account-singapore/

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Singlife Account Singapore: Earn up to 3.5% p.a. without any Lock-In • PZL Blog | Singapore The Singlife Account allows you to earn a return of up to 3.5% per annum for your deposit without any lock-in period.

With Chocolate Finance, you are able to earn a return of 4.2% per annum for the first $20k that you put with them.

Although this is an investment, its Top-Up Programme ensures that you will earn the full return during its qualifying period.

If you are keen to sign up, there is a referral link in the post to help you to skip the waitlist. Happy returns start today! 🤑

https://www.pzl.sg/blog/chocolate-finance-singapore/

Chocolate Finance Singapore: Earn up to 4.2% p.a. without any Lock-In • PZL Blog | Singapore Use my referral code to earn up to 4.2% per annum for the money that you put with Chocolate Finance. Happy returns start today!

In this post, I provide a list of consumers who should explore getting a private health insurance scheme, specifically, an integrated shield plan.

https://www.pzl.sg/blog/is-integrated-shield-plan-necessary-in-singapore/

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Is Integrated Shield Plan necessary in Singapore? • PZL Blog | Singapore A detailed breakdown about how an integrated shield plan is able to provide more comprehensive coverage for your healthcare needs.

I’m sure many of us have heard about an integrated shield plan (or also informally referred to as a “hospital plan”). Similarly, a lot of us remember this plan as an insurance policy to “pay for hospital bills”. However, do you know that an integrated shield plan does not cover every component of the hospital bill?

With this in mind, let’s learn more about an integrated shield plan and how it works in this post.

https://www.pzl.sg/blog/what-is-integrated-shield-plan-singapore/

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What is Integrated Shield Plan Singapore • PZL Blog | Singapore Understand what is a private integrated shield plan and how it works to protect you against hefty medical bills in Singapore.

Here are some of the best ways to pay insurance premium and earn credit card rewards at the same time.

https://www.pzl.sg/blog/best-way-to-pay-insurance-premium-singapore/

Best Way to pay Insurance Premium Singapore • PZL Blog | Singapore Sharing six of the best ways to pay insurance premium in Singapore. Time to get some credit card rewards today!

Here is my in-depth analysis on Singlife Dementia Cover, a long-term care insurance policy that provides a payout for cognitive decline and mental health conditions.

https://www.pzl.sg/blog/singlife-dementia-cover-my-analysis-and-thoughts/

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Singlife Dementia Cover: My Analysis and Thoughts • PZL Blog | Singapore Check out my analysis and thoughts for Singlife Dementia Cover, an insurance policy that covers mental health conditions.