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Quiet Endurance: Surviving a Sudden Health Crisis

When a sudden health crisis struck, COL (NS) Martin Lee faced the toughest battle of his life. With resilience and grit, he found his way back, stronger, humbled, and grateful for every breath.

It was just past midnight when COL (NS) Martin Lee Mui Seng, 47, woke up gasping for air. As the Deputy Commander of the 2nd SCDF Division and a former SCDF regular, Martin is trained to deal with emergencies. Except this was personal. His chest felt heavy and his breaths were shallow. Staying calm, Martin reached for the pulse oximeter that he kept in his nightstand and slipped it onto his finger. Less than a minute later, the number he saw shocked him. His blood oxygen level was very low at 85%.

Without hesitation, he reached for his phone and called for an ambulance. Martin initially insisted on going to the hospital alone, but his wife would not allow it and accompanied him.  As the ambulance moved through the late-night traffic, Martin laid on the stretcher, trying to make sense of what was happening.

What had begun as a dull knee ache, which he brushed off as a minor sports injury, had spiralled into fever, nausea, and physical exhaustion. “I thought it might be an infection that had affected my lungs, since I was feeling breathless,” he thought to himself. “Things did not look good.”

INSIDE THE ICU — A RACE AGAINST TIME

Once at Sengkang General Hospital, doctors rushed Martin into the Intensive Care Unit. A ventilator tube was inserted to help him breathe and his kidneys were hooked up onto a dialysis machine. Unknown to him, the infection had spread to his heart. Soon after, he was sedated and slipped off into sleep. As Martin drifted in and out of consciousness, he caught glimpses of his wife at his bedside.

Martin recalls dreaming vividly of people. “I was dreaming of all kinds of things, of people I knew, people I had met before, friends and family. But no nightmares!” he quipped with a faint laugh. Perhaps he had made peace with whatever was coming. When the test results came in, he realised that he had a heart valve infection and had to be operated on immediately. 

On 30 April 2025, after transferring to the Singapore General Hospital, heart surgeons performed open-heart surgery on him. “They had to cut through my chest, remove the infected valve, and replace it with a new one made from bovine tissue,” he explained softly, his calm manner belying the severity of what he had endured.

LEARNING TO WALK AGAIN

When Martin awoke from general anaesthesia, he braced himself for the post-operative recovery. He drew strength and encouragement from his wife and his medical team. As part of his post-operative treatment, Martin was put on antibiotics for a few months. Initially, as the antibiotics had to be administered intravenously (IV), he had to conduct his daily routine while carrying the IV pouch with him at all times.

To regain his movement and facilitate his recovery, Martin worked with a physiotherapist. Initially, he found it difficult to stand up or put one foot in front of the other, much less walk. As someone who had always prized and prioritised fitness, he found it very humbling. The prolonged health crisis took its toll, reducing his already lean physique of 53kg by more than 10kg. Regardless, Martin was determined to recover and eventually regained his movement. First a shuffle, then a few tentative steps, followed by a slow walk before hitting full stride. “I think my fitness level helped,” he said. “If I hadn’t been active before, things might have turned out very differently.”

Martin exercising regularly to stay healthy and fit.

GETTING BACK INTO THE GROOVE

After leaving the hospital, simplifying his daily life became part of his recovery. The experience had stripped life down to its essentials and he stepped up his focus on decluttering. “In the past, we liked to buy and keep things, and over time we accumulated so much. But if something happened to you, what would happen to all these items? Who would look after or manage them?” Realising he no longer needed some items, such as power banks, books, and unused gadgets, he began giving them away through online platforms.

Martin (front row, first from left) with his colleagues from 2nd SCDF Division after a football game, 6 years ago.

Months later, Martin returned to his weekly football sessions on the same pitch where he had first felt that dull ache in his knee. While Martin prefers playing football to keep fit, he went ahead and joined the HomeTeamNS REAL® Run, completing the 5km route.

Besides staying active, he pays attention to his diet and eats mostly plant-based meals now. “I tell my younger NSmen to not take their health for granted. You don’t realise how important it is until you nearly lose it.”

An avid Chinese chess player in his university days, Martin has since taken up international chess, honing his skills through friendly matches. He relishes the challenges from younger opponents, as he knew that victory isn’t guaranteed. “If I stay focused and avoid mistakes, I can still outplay the younger players, even when we’re down to the final seconds,” he says.  

Martin (left) and his wife at Old Trafford, United Kingdom, where he fulfilled his lifelong dream of watching a football match in person.

Recently, he also fulfilled a life-long dream by flying to the United Kingdom in August 2025 to watch a Premier League football match at Old Trafford. 

CHERISHING EVERY MOMENT

When asked about the lessons he would like to share, Martin paused momentarily. “I was lucky. At certain points, the doctors thought that I was not going to make it,” he admitted. But it was not all luck. His training at SCDF in crisis response and staying composed during challenging situations made the difference when it mattered most – reaching for his pulse oximeter and decisively calling for an ambulance on that late night when he was gasping for breath.

Martin’s story is more than one of quiet endurance. His emotion is evident when he recounts the events that he went through. “Since I’ll need to replace my heart valve in 10 to 15 years, it feels like I’m living on borrowed time. By the time I’m around 65, the replacement will be due.” With that in mind, his priorities have shifted. His focus now is to spend more time with his wife and friends. Today, when Martin steps onto the football pitch for his weekly game, he is happy to be fit and healthy, savouring every moment.

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Close Up

Ageless Energy: Staying Fit and Purposeful Through One’s Senior Years

At an age when most people are slowing down, a trim and spry Sim Han Guan is proving that staying active and fitness goals doesn’t come with any age limits.

At 78, Sim Han Guan — the oldest participant in this year’s HomeTeamNS REAL® Run — is living proof that age is just a number. For him, participating in the 10km race category is not just about crossing the finish line, but the people around him. “You can feel the crowd moving around you, and some people will even encourage you to keep going and not give up. The best part is when there’s so many people running alongside you, you do not feel lonely.”

But it is not just on the running paths where Mr Sim displays his commitment to fitness. On four mornings a week, he heads to the HomeTeamNS Khatib clubhouse swimming pool, powering through lap after lap with an intensity that could rival men half his age. On Wednesdays and Saturdays, he then trades water for pavement, clocking his runs with equal determination. For Han Guan, the clubhouse feels like a second home. It is a place where he has built a routine rooted in lifelong habits, driven by a belief in his axiom, “Sports for life.”

“I have always enjoyed physical activity. When I became a Physical Education teacher, I believed that I had to be a good role model by leading an active lifestyle and keeping fit. This is true until today,” he shared.

DISCIPLINE, FORTITUDE, ROUTINE

Mr Sim was the honorary referee for the 2019 International University & Youth Basketball Tournament at Macau, China.

Han Guan grew up in a family of ten and playing games such as basketball and table tennis were easily accessible outlets of fun for a boy like him. He remembers fondly that his first table tennis bat was a gift from his school principal, who recognised his interest in the sport and stepped in to make it possible. He went on to represent the school in table tennis, and later in basketball, volleyball, as well as track and field. Through it all, his love for sports remained constant.

That love shaped a 40-year career teaching Chinese language and physical education. As a teacher, his philosophy was to live and lead by example. As a coach, he encouraged all his team members to take part in the school’s annual cross-country run, where he would run alongside them. A firm believer in perseverance, he would tell his team members,“You do not need to win. But you must finish the race.”

After retiring in 2012, Han Guan did not step away from the court or field. He returned to coach basketball, keeping pace with players several generations younger. Today, he continues to teach and coach part-time, driven by the same passion that defined his career. Han Guan shared that he is an honorary FIBA basketball referee and having served since 1982, he is now a referee for life. With pride, he shares that he can still keep pace with the teams, running up and down the court with the same energy and focus as ever.

An avid distance runner, he has completed numerous half marathons and ten full marathons, fulfilling his personal goal of running a full marathon at least once in his life.  For Han Guan, running is an act of will. “Running is willpower, resistance, perseverance, and patience.” During his full marathon, the final kilometres tested everything he had. “After a while, it feels like your feet doesn’t listen to you anymore, but I told myself that even if I fail, I must cross that finish line. I’m not comparing myself to others, but I’m comparing myself to myself.” He candidly added that he feels very encouraged and affirmed when younger runners tell him, “Uncle, you are better than me!”

A SENSE OF CURIOSITY AND WONDER

To understand Han Guan’s lifestyle is to understand his appetite for learning, which is an unusual, but beautiful combination of physical and intellectual curiosity. Just as he pushes his limits in the pool and on the track, he stretches his mind by embracing new experiences and mastering fresh skills, proving that true fitness is as much mental as it is physical. He may be known for his athleticism, but he lights up just as brightly when speaking about other hobbies such as gardening, learning new technologies, and especially music — a love he shares with his family. “My son is a pianist. When he was younger, I bought compact disc and tape recordings of classical music for him to listen to. Now I have a huge collection of recordings at home.”

FINDING PURPOSE THROUGH SERVICE

Mr Sim is one of Singapore’s oldest active basketball referees.

Purpose, for Han Guan, is deeply intertwined with community. In 1971, Han Guan enlisted in the Vigilante Corps under the former Singapore Police Force National Service scheme. After that, he was deployed to the Singapore Civil Defence Force. Those early years taught him the value of teamwork and service, lessons that have stayed with him throughout his life.

That sense of duty continues today. As one of Singapore’s oldest active basketball referees, he still volunteers at community competitions and local games, where players affectionately call him “Uncle Sim.” He takes pride in encouraging others and finds joy in motivating both the young and the old to keep moving and stay healthy.

LIVING "SPORTS FOR LIFE"

For Mr Sim, the HomeTeamNS Khatib pool feels like a second home, where he enjoys swimming four mornings a week.

From the running paths to the swimming pool and the basketball courts where he calls the shots, Han Guan’s story is an inspirational reminder to keep learning and moving forward with purpose. His advice for peers entering their silver years? “Staying active and healthy isn’t only about big changes, it can be small, joyful habits. Start by picking one or two hobbies you truly enjoy, whether it’s brisk walking, swimming, gardening, or listening to music. Most importantly, stay connected. Step outside, explore, and join fun outings!”

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Singapore Buzz

5 Things to Review in your Insurance Plan

When was the last time you looked at your insurance coverage? ASP (NS) Lai Shu Wei (Rep No. LSW300105812), a senior financial representative representing Great Eastern Financial Advisers Pte Ltd, shares how to stay financially prepared for whatever life throws your way.

Insurance tends to fall into the “I’ll sort it out later” category of adulting. But according to ASP (NS) Lai Shu Wei, a licensed financial representative and Executive Committee member at HomeTeamNS Bukit Batok, putting it off could cost you more than you think.

“Many people assume they’re too young to need coverage, only to face health issues later that make it much harder — or more expensive — to get insured,” he explains. “I’ve had clients who were eventually diagnosed with conditions that rendered them uninsurable.”

Unexpected medical costs can quickly eat into your savings — and with inflation and economic uncertainty in play, the financial impact can be even greater. “Hospitalisation and accident coverage offer a crucial safety net. They help you manage these risks without derailing your long-term goals,” Shu Wei adds.

ASP (NS) Lai Shu Wei, a licensed financial representative, found his calling early and hasn’t looked back since.

His own journey into the field started during his second year at NUS Business School, from which he graduated in 2022. “I realised the work is meaningful, as I get to help people and add real value to their lives through financial planning,” he says.

#1 DO YOU HAVE THE ESSENTIAL TYPES OF INSURANCE?

Insurance does more than protect your finances — it gives you peace of mind to plan your future with confidence.

 When advising clients, Shu Wei walks them through the core pillars of coverage:

  • Hospitalisation and accident insurance for medical expenses
  • Life protection for you and your loved ones in the event of death, total permanent disability and critical illness
  • Income protection if illness or injury prevents you from working
  • Personal general insurance for homes, vehicles and travel — essential for avoiding costly disruptions to daily life
  • Savings and investment-linked plans to help grow wealth or fund milestones like retirement or your child’s education

For those looking to build a stronger foundation, he recommends the Monetary Authority of Singapore’s Basic Financial Planning Guide as a helpful resource on emergency funds, essential coverage, investments and legacy planning.

#2 ARE YOU BALANCING PROTECTION AND AFFORDABILITY?

Just starting your career or juggling multiple financial commitments? If affordability is a concern, finding the right balance between cost and coverage is key. “Start with term plans to get sufficient protection at a lower cost, then upgrade your plans as your income grows,” Shu Wei advises. “It’s better to be adequately covered at a basic level than to be under-protected or completely uninsured.”

Group personal accident plans are a cost-effective way to boost your coverage, especially for those with active lifestyles or physically demanding jobs where the risk of injury is higher. “The lump sum payout can help cover recovery expenses — such as physiotherapy or mobility aids — even if these aren’t reimbursed under other plans,” Shu Wei explains. “That extra layer of support can make a big difference during recovery.”

#3 WHEN WAS YOUR LAST INSURANCE REVIEW?

Even if you’ve got a comprehensive plan in place, insurance isn’t a set-it-and-forget-it arrangement — it needs to grow with you.

Shu Wei advises checking in regularly, especially after major life changes. A thorough review should consider whether your current coverage is still sufficient, the types of protection you have in place, how comfortably you’re managing your premiums, whether your investment allocations need adjusting, and if any recent events have shifted your insurance needs.

During a check-in with your adviser, consider asking these questions:

  • Does my plan reflect my current income, lifestyle and responsibilities?
  • Are there any gaps, overlaps or outdated policies?
  • Can I enhance or simplify my coverage?
  • Am I still insurable for additional protection?
  • What policy changes or new solutions should I be aware of?

It’s easy to put off these reviews, especially when life gets busy. But Shu Wei cautions against waiting. “As your life circumstances change, your insurance should change with you,” he says. “Don’t wait for a crisis to find out that you’re underinsured.”

#4 ARE YOU GETTING PERSONALISED ADVICE?

While digital platforms are convenient for quick comparisons, a trusted financial representative still brings value to the table. “Online tools may suffice for simple, one-off purchases,” Shu Wei says. “But if you want personalised guidance, regular reviews and support when it matters most, it’s best to speak with an adviser.”

A good adviser will assess your overall situation — including lifestyle, goals and responsibilities — and flag any coverage gaps or policy overlaps. When the need arises, they will also guide you through the claims process and help ensure that your portfolio evolves with major life changes.

Beyond protection plans, Shu Wei shares the importance of estate planning including considerations such as Central Provident Fund (CPF) nominations, wills, Lasting Power of Attorney (LPA) nominations, and Advance Medical Directives (AMD). “Policy nominations are especially crucial,” he notes. “They ensure that your insurance payouts go directly to your chosen beneficiaries without going through probate. This saves time and prevents complications during what is already a stressful period.”

When needed, he also reviews a household’s overall coverage to ensure that the entire family is financially secure should something happen to a loved one. The personal and long-term nature of the work means many clients eventually become friends, Shu Wei observes. “Seeing how their lives improve — and knowing I played a part in that — is what gives me immense job satisfaction.”

#5 WHEN TO REVIEW YOUR INSURANCE — AND YOUR ADVISOR?

Shu Wei recommends reviewing your coverage once a year — even if everything seems stable. “It’s a good way to stay informed about policy changes, benefit enhancements and whether your protection still aligns with your goals,” he advises.

Key moments that should trigger a review:

  • Starting a new job or changing careers — Your income or benefits may have changed
  • Getting married — You’re planning for two now
  • Buying a home — Your mortgage obligations need to be protected
  • Having a child — Time to plan for education, medical and emergency needs
  • Becoming a caregiver — Your financial responsibilities have expanded
  • Falling ill — Review your claims, future care needs and insurability
  • Losing a loved one or inheriting assets — These events can shift both responsibilities and finances

And what if your adviser no longer feels like the right fit? If you feel stressed or pressured every time you speak with your adviser, it may be a sign to reassess that relationship, too. “Your financial journey is personal, and you deserve guidance that feels respectful and aligned with your goals,” emphasises Shu Wei. “If you’re not getting what you need, do speak with your financial representative about it first. Otherwise, it’s perfectly okay to explore other options. What matters most is feeling informed and supported every step of the way.”

Disclaimer:
The views and opinions expressed in this article are solely that of the interviewee and do not necessarily reflect the opinion of Great Eastern Financial Advisers Private Limited (“GEFA”).
For the avoidance of doubt, GEFA does not make any representations or warranties, express or implied, as to the completeness or accuracy of the information contained in this article. Further, GEFA expressly disclaims any and all liability relating to or arising from the use of and/or reliance on the information contained in this article.
The information contained in this article is for your information only and does not have regard to the specific investment objectives, financial situation and particular needs of any person(s).

HomeTeamNS members exclusive: One-year complimentary Singlife Group Personal Accident Insurance

HomeTeamNS offers one-year complimentary accident coverage through a partnership with Professional Investment Advisory Services Pte Ltd (“PIAS”), a wholly-owned subsidiary of Singapore Life Ltd (“Singlife”). HomeTeamNS Shield360 includes a complimentary one-year HomeTeamNS membership and a one-year Group Personal Accident Insurance plan by Singlife. The plan provides up to $50,000 in the event of accidental death or total permanent disability. It also covers $5,000 for mobility aid expenses and $1,000 for physiotherapy costs in the event of total and permanent disability.

*Terms and conditions apply. For more details, please visit https://www.hometeamns.sg/singlife/. Protected up to specified limited by Singapore Deposit Insurance Corporation (SDIC).  

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.

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