Iâll be straight with you. As an early 30âs guy, I miss some of my regular check-ups. đ
Recently, several readers (especially startup founders & employees) complained about the complexities of Singapore health insurance.
In this spotlight, weâre getting the inside scoop from Malaysian expat, Nicole Ng, on navigating this mystifying world as an expat. đ
Today in 10 minutes or less, youâll learn:
đ˛đž Nicoleâs journey from Malaysia to Singapore
đ How private health insurance works in Singapore
đ¤ Insurance brokers vs financial advisors
đ¨ Nicoleâs mistakes and advice

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đ Spotlight Abroad: Expat Health Insurance in Singapore 101
Nicole Ng leads commercial and partnerships at The Simple Sum, a financial literacy platform, and provides sales and partnerships consulting services for businesses.
In her free time, she writes about her personal finance journey at Iâm Funemployed.

đ˛đž Tell us about your career journey going from Malaysia to Singapore.
My career began in a fairly typical way. I entered the banking industry after university, where I was responsible for managing clients' equity investments.
After four years, I took a break and embarked on a solo adventure for a few months. During my travels, I met interesting people from various backgrounds and professions. I also got a taste of what itâs like to live in another country.
My travels reaffirmed a hunch I long held â the desire to live abroad and work in a dynamic industry like tech.
Eventually, I secured a position as a Meta account manager in Singapore before transitioning into the exciting world of fintech startups.


