Featured Lifestyle

Adulting 101: Five essential types of insurance you’ll need in life

Life after National Service can be challenging as NSmen transition into adulthood, but the right insurance policies can help mitigate unexpected financial expenses.


Life may be full of uncertainties – mishaps and accidents can arise anytime. Thankfully, the right insurance policies can help minimise the financial impact of dealing with life’s emergencies.

As a young adult, it’s important to take into consideration the different types of policies that are available and their functions. From pet to motor insurance, here are five types of coverage that one should consider.


Balloting for your dream Built-To-Order (BTO) flat is an important milestone, but it’s one that comes with significant financial responsibilities, especially after furnishing and renovation costs are factored in.

Home insurance helps you to cover damage or losses to your residence. It can offer protection against fire, floods and even robberies. Although you may be covered by the fire insurance scheme from the Housing Development Board (HDB), it’s a good idea to consider additional home insurance. HDB insurance covers “the cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB”. It does not however, extend coverage to your personal belongings and renovation work.


If you’ve saved enough to buy your dream car or motorcycle, congratulations! This is a significant milestone on your journey to adulthood. Next up? Motor insurance, which is mandatory for every road user here. Such policies cover third-party injuries and – just like all the other types of insurance covered above – it helps to protect an individual from a heavy financial burden.

In the event of an accident, it’s crucial for you to check in with your insurance company – even when there isn’t any visible damage to your vehicle. If you’re unsure of what to do, the Motor Claims Framework is a helpful guide for you to get some tips.


The cost of healthcare in Singapore is on the rise, meaning visits to the doctor can be quite hefty. Personal accident insurance policyholders can receive monetary compensation should something unfortunate occur. Aside from major incidents resulting in accidental death or permanent disability, the insurance also covers minor injuries like fractures and even hospital bills.

HomeTeamNS Ordinary members (aged 70 and below) actually enjoy free coverage. Members enjoy complimentary personal accident insurance coverage, with a total coverage of S$30,000. It includes coverage for accidental death and permanent disablement, fractured bones, child education fund, physiotherapy costs, and mobility aid expenses.

“I think it’s very useful to have this benefit, it’s an added advantage to HomeTeamNS members,” shared Isabel, the daughter of a HomeTeamNS member who passed away.


As any pet parent knows, vet visits can be unexpectedly costly – a consultation session alone can cost between S$25 and S$60. Pet insurance can help offset the cost of veterinary bills. In Singapore, these policies usually cover treatments including physical accidents, cancer treatments, chemotherapy and spaying or neutering operations.

Pet insurance lets you focus on finding the best possible care for your pet without worrying too much about the bills. This also gives you the peace of mind to focus on helping your furry friend make a swift recovery.


When you’re planning your next holiday, travel insurance should be on the top of your checklist along with your passport and foreign currency. A travel insurance policy is a smart move for every globetrotter, as it protects them from various mishaps during their trip.

Policies can cover one’s expenses and protect their well-being and personal belongings. From losing one’s baggage to experiencing a flight delay (or cancellation), travellers can recoup some of their expenses as they may claim for reimbursement from the insurance company.

HomeTeamNS members enjoy 20 per cent off Singlife with Aviva travel insurance (single trip). Additionally, if you have a MHA Group Insurance Voluntary coverage, you can get an additional 30 per cent discount. With this perk, you can travel the world with the peace of mind from knowing that you’re protected should emergencies occur.

Like our stories? Subscribe to our Frontline Digital newsletters now! Simply download the HomeTeamNS Mobile App and update your communication preference to ‘Receive Digital Frontline Magazine’, through the app settings.

Club Buzz Featured

HomeTeamNS Scholarship: For the love of sports

Meet Nur Eryka Binte Muhammad Imran, an outstanding student of Nitec in Fitness Training 2023, a HomeTeamNS Scholarship recipient, and a passionate hockey player.



When Ms Nur Eryka Binte Muhammad Imran saw the outstanding graduate for the Nitec in Fitness Training when she emceed her seniors’ graduation ceremony last year, she thought to herself: “Wow, I want to be like him.”

On her own graduation day the following year, she fulfilled her dream.

During the Nitec Graduation Ceremony at the Institute of Technical Education (ITE) College West on 14 February 2023, she was named the Outstanding Graduate for Nitec in Fitness Training. Mr Joseph Loh, Director of Business Strategies of HomeTeamNS, presented the HomeTeamNS Scholarship to Eryka for her impressive performance in school.

The scholarship recognises the notable efforts by students studying the Nitec in Fitness Training and Higher Nitec in Sport Management across all the ITE colleges.

“I feel very proud, it’s definitely a big achievement and I’ve been wanting this for a long time,” said Eryka. The HomeTeamNS Scholarship doesn’t just help to fund Eryka’s studies, it also serves as a stepping stone to achieving her passion for sports and fitness outside of the classroom.


Eryka joined Hockey as her co-curriculum activity (CCA) in Secondary School and was part of her school’s C and B Division teams.

Her love of sports flourished when she was a secondary school student at CHIJ St Theresa’s Convent. Her school offered a new ‘O’ Level subject, Exercise and Sports Science, that covers the sub-disciplines of sports science and the sociology behind it. As Eryka learned about exercise physiology, biomechanics and sports psychology she became even more fascinated by the subject.

This made her path to Nitec in Fitness Training in ITE College West a natural progression, as she was able to pursue her journey in studying sports. “When I was young, I really loved sports and was interested in learning about human anatomy and biomechanics. It’s the only subject that I excelled in,” said the 19-year-old.

Next, Eryka intends to study the Diploma in Sport & Exercise Science at Republic Polytechnic and pursue further studies in physiotherapy in Australia or New Zealand.


Eryka (front row, third from the right) and her teammates from the Jansenites Hockey Club after training.

Eryka also excels in her favourite sport, field hockey. As a left or centre mid-fielder for the Jansenites Hockey Club in Singapore, she relies on her skills to read the game and make quick judgements during matches to support both defenders and forwards.

At times, she plays as a centre forward, leading attacks on her opponents’ goals. “The National Junior League 2023 was the most memorable competition for me,” she recalled. “I scored and assisted a few goals for the team during the matches against Anderson Serangoon Junior College, and ACSOBASG Oldham Hockey Club.”

She intends to participate in the Under-21 trials to be a part of the youth national hockey team and is training hard to achieve that goal. Consistent 2.4km runs, strength training and playing alongside national players in her team, has helped boost Eryka’s confidence on the field.

Like our stories? Subscribe to our Frontline Digital newsletters now! Simply download the HomeTeamNS Mobile App and update your communication preference to ‘Receive Digital Frontline Magazine’, through the App Settings.

Club Buzz Featured

Getting a head start with her education and ambitions

HomeTeamNS Children’s Education Award recipient may appear to be a shy child, but she dreams of an acting career.



Despite her shy demeanour, Han Meng Chen, daughter of HomeTeamNS Ordinary member Mr Han Lin Zhuo, wants to be an actor. Meng Chen was among 80 recipients of the HomeTeamNS Children’s Education Award, where she was among the top five students in the Primary 3 and 4 cohort.

Speaking at the ceremony, Associate Professor Muhammad Faishal Ibrahim, Minister to State, Ministry of Home Affairs and National Development, and HomeTeamNS President said: “Young people are the present and the future of our nation. HomeTeamNS believes that good education plays a vital role in paving the way for a better future. Though the journey may be tedious, it is true grit and determination that propels us closer to success.”

This reflected well on Meng Chen, as she achieved excellent grades for her semester results in 2021 and was also a prefect at North View Primary School. Indeed, her father is proud of her stunning achievements. “I’m happy that she has passed and more importantly, she enjoys acquiring more knowledge through her school lessons and is able to apply this knowledge to solve real-life problems,” Mr Han said.


Mr Han is the sole parent and breadwinner, which means he has to fulfill the vital roles of a nurturing mother and a protective father to Meng Chen. He believes he does not need to exert pressure on his daughter to excel in her studies as she is a responsible child. Working as a freelancer gives Mr Han the opportunity to help Meng Chen with Mathematics. He also tries his best to protect her from negative influences on social media.

This is not the first time Meng Chen has received the HomeTeamNS Children’s Education Award, which has helped offset the cost of her school fees. It also allowed them to start saving for her future studies.


Meng Chen was inspired to become an actor after watching Netflix’s Wednesday and Disney’s Cruella, which were fronted by acclaimed actors Jenna Ortega and Emma Stone respectively.

“I think Jenna Ortega is graceful and can solve a lot of mysteries and cases just like policemen,” she shared. Mr Han added that Meng Chen is intrigued by compelling roles.

And she’s already started taking small steps to achieving her dream. Meng Chen is a Drama Club member in school and played the role of an ant in The Butterfly and the Boy during a performance in school. “It’s fun, and you can express your feelings freely through the role that you play,” she said.

Meng Chen plans to study acting and hopes to act in foreign films – perhaps alongside some of her idols.

More than 2,600 children of HomeTeamNS Ordinary Members have received help from the CEA since its inception in 2004. With CEA, we hope to reward and celebrate families, and encourage students to excel academically. For the latest updates on the applications, visit our website or Facebook page.

Featured Lifestyle

5 basic lifesaving skills you need to know while on vacation

From recognising the signs of stroke to performing CPR, a paramedic shares essential lifesaving techniques that can help to save lives.


Rest and relaxation are usually our top priorities when we are on holiday, but things can quickly go south due to unforeseen emergencies. Being prepared to manage an emergency with basic lifesaving skills can make all the difference, especially when you are faced with medical emergencies such as cardiac arrest or heatstroke, and help may take some time to arrive.

Ms Vernita Erat is a paramedic from the Singapore Civil Defence Force’s (SCDF) Civil Defence Auxiliary Unit (CDAU).  Currently performing her duties at Alexandra Fire Station, Ms Erat shares five key techniques to manage common emergency scenarios, especially when abroad.

Ms Vernita Erat, a paramedic from Singapore Civil Defence Force’s (SCDF) Civil Defence Auxiliary Unit (CDAU).

1. Cardiopulmonary Resuscitation (CPR)

“I believe CPR is one of the most essential life-saving skills that everyone should know,” says Ms Erat. “CPR can significantly increase the chances of survival from a cardiac arrest.”

When travelling with loved ones who suffer from known cardiac issues, proficiency in CPR is critical. According to the Singapore Heart Foundation (SHF), sudden cardiac arrest causes the heart to unexpectedly stop beating. As blood stops flowing to vital organs such as the brain, heart, and lungs, the lack of oxygen will cause irreversible damage to the brain cells within the first 4 to 6 minutes of a cardiac arrest.

Hands-only CPR, which focuses on chest compressions, helps to get oxygen-rich blood flowing through the body again. When performed immediately and correctly, it can help to restore heart function and prevent permanent brain damage. However, CPR is not a skill that you can pick up just by reading about it online. Attending relevant first aid courses, such as SCDF’s Community Emergency Preparedness Programme (CEPP), will help us learn the proper techniques for CPR.

“Remember to get other bystanders to call the emergency medical services for help,” she shares.

“If you are alone, call for help first, then start CPR.”

2. Basic wound treatment and usage of splints

Photo: Shutterstock

“Travelers on hiking trips should learn how to properly apply dressings, bandages, and splints, which can come in handy during hiking accidents,” shares Ms Erat. A splint is any object which can be used to stabilise a part of the body to minimise movement and prevent further injury. She advises that bandages should not be tied too tightly in consideration of the patient’s comfort. Knowing how to apply a tourniquet to staunch heavy bleeding can potentially save lives.

In cases where limbs are fractured, Ms Erat advises not to move the patients unless their injuries are stabilised or if they are in an unsafe place. “You do not want to further aggravate the injury and cause more pain,” she elaborates.

3. Management of heat injuries

When holidaying at warm destinations, pay closer attention to signs of heat injury such as heat exhaustion and heatstroke. An elevated body temperature, headache, dizziness, nausea, clammy skin and excessive thirst are some symptoms of heat injury.

When encountering heat exhaustion or heatstroke, Ms Erat advises to bring the patients to a shaded or air-conditioned area, before cooling them with a shower. “Most importantly, they should drink plenty  of water and isotonic drinks.”

4. Responding to severe allergies

Photo: Shutterstock

Allergies can occur any time, so it is important to be well-prepared. If your travel buddy’s allergic reactions (e.g. swollen eyes, wheezing and hives) are becoming severe, quickly remove the antigen from them, advises Ms Erat. If you are confident in administering an Epi-Pen, proceed cautiously.

5. The Heimlich Maneuver

Photo: Shutterstock

Knowledge of the Heimlich Maneuver can help to save lives during instances of choking. The technique involves abdominal thrusts that help to expel foreign objects from the patient’s airway.  “Done properly, the Heimlich Maneuver can prevent choking patients from going into full-blown cardiac arrest,” explains Ms Erat. Even after the patient has been successfully saved from choking by the Heimlich Maneuver, he or she should nonetheless seek medical attention to ensure that there is no physical damage to the throat and airway.

What to pack in your travel first-aid kit

Credit: Flickr User Medisave UK
  • Small and large plasters
  • Hydrocolloid gel plasters for blisters
  • Antiseptic creams and wound wash
  • Bandages, gauze and medical tape
  • Paracetemol and antithistamines
  • Motion sickness medicine
  • Disposable cold packs

Like our stories? Subscribe to our Frontline Digital newsletters now! Simply download the HomeTeamNS Mobile App and update your communication preference to ‘Receive Digital Frontline Magazine’, through the app settings.