{"id":27797,"date":"2023-04-12T10:00:32","date_gmt":"2023-04-12T02:00:32","guid":{"rendered":"https:\/\/www.hometeamns.sg\/frontline\/?p=27797"},"modified":"2024-04-03T09:10:32","modified_gmt":"2024-04-03T01:10:32","slug":"adulting-101-five-essential-types-of-insurance-youll-need-in-life","status":"publish","type":"post","link":"https:\/\/www.hometeamns.sg\/frontline\/adulting-101-five-essential-types-of-insurance-youll-need-in-life\/","title":{"rendered":"Adulting 101: Five essential types of insurance you\u2019ll need in life"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27797\" class=\"elementor elementor-27797\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d318a68 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"d318a68\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2009197\" data-id=\"2009197\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-153ce39 elementor-widget elementor-widget-text-editor\" data-id=\"153ce39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Life after National Service can be challenging as NSmen transition into adulthood, but the right insurance policies can help mitigate unexpected financial expenses.<\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2d2c201 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"2d2c201\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-34a0717\" data-id=\"34a0717\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8dbac12 elementor-widget elementor-widget-text-editor\" data-id=\"8dbac12\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>TEXT: NUR ADLINA BINTE ADAM<br \/>PHOTOS: SHUTTERSTOCK<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-00f796b elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"00f796b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7c4aed2\" data-id=\"7c4aed2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87e5ddf elementor-widget elementor-widget-text-editor\" data-id=\"87e5ddf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Life may be full of uncertainties \u2013 mishaps and accidents can arise anytime. Thankfully, the right insurance policies can help minimise the financial impact of dealing with life\u2019s emergencies.<\/p><p>As a young adult, it\u2019s 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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-512c5db elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"512c5db\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cbf3e6c\" data-id=\"cbf3e6c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87e19c3 elementor-widget elementor-widget-text-editor\" data-id=\"87e19c3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>HOME INSURANCE<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc9981d elementor-widget elementor-widget-image\" data-id=\"fc9981d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/3.-Home-insurance.jpg\" class=\"attachment-full size-full wp-image-27804\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/3.-Home-insurance.jpg 1400w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/3.-Home-insurance-300x200.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/3.-Home-insurance-1024x682.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/3.-Home-insurance-768x512.jpg 768w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/3.-Home-insurance-1200x800.jpg 1200w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dd3552d elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"dd3552d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aec8bda\" data-id=\"aec8bda\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77c56a0 elementor-widget elementor-widget-text-editor\" data-id=\"77c56a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Balloting for your dream Built-To-Order (BTO) flat is an important milestone, but it\u2019s one that comes with significant financial responsibilities, especially after furnishing and renovation costs are factored in.<\/p><p>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 <a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/living-in-an-hdb-flat\/fire-insurance\" target=\"_blank\" rel=\"noopener\">fire insurance scheme from the Housing Development Board (HDB)<\/a>, it\u2019s a good idea to consider additional home insurance. HDB insurance covers \u201cthe cost of reinstating damaged internal structures, fixtures, as well as areas built and provided by HDB\u201d. It does not however, extend coverage to your personal belongings and renovation work.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e17d7f elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"7e17d7f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9b1bee5\" data-id=\"9b1bee5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17477be elementor-widget elementor-widget-text-editor\" data-id=\"17477be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>MOTOR INSURANCE<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-612a60f elementor-widget elementor-widget-image\" data-id=\"612a60f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/6.-Motor-insurance.jpg\" class=\"attachment-full size-full wp-image-27801\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/6.-Motor-insurance.jpg 1400w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/6.-Motor-insurance-300x200.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/6.-Motor-insurance-1024x682.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/6.-Motor-insurance-768x512.jpg 768w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/6.-Motor-insurance-1200x800.jpg 1200w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebb8c2e elementor-widget elementor-widget-text-editor\" data-id=\"ebb8c2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you\u2019ve saved enough to buy your dream car or motorcycle, congratulations! This is a significant milestone on your journey to adulthood. Next up? <a href=\"https:\/\/onemotoring.lta.gov.sg\/content\/onemotoring\/home\/owning\/ongoing-car-costs\/insurance.html\" target=\"_blank\" rel=\"noopener\">Motor insurance<\/a>, which is mandatory for every road user here. Such policies cover third-party injuries and \u2013 just like all the other types of insurance covered above \u2013 it helps to protect an individual from a heavy financial burden.<\/p><p>In the event of an accident, it\u2019s crucial for you to check in with your insurance company \u2013 even when there isn\u2019t any visible damage to your vehicle. If you\u2019re unsure of what to do, the <a href=\"https:\/\/gia.org.sg\/images\/pdf-files\/MCF_Brochure.pdf\" target=\"_blank\" rel=\"noopener\">Motor Claims Framework<\/a> is a helpful guide for you to get some tips.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13ee1a0 elementor-widget elementor-widget-text-editor\" data-id=\"13ee1a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>PERSONAL ACCIDENT INSURANCE <\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61a2374 elementor-widget elementor-widget-image\" data-id=\"61a2374\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/4.-Personal-accident-insurance.jpg\" class=\"attachment-full size-full wp-image-27799\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/4.-Personal-accident-insurance.jpg 1400w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/4.-Personal-accident-insurance-300x200.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/4.-Personal-accident-insurance-1024x682.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/4.-Personal-accident-insurance-768x512.jpg 768w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/4.-Personal-accident-insurance-1200x800.jpg 1200w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13f894f elementor-widget elementor-widget-text-editor\" data-id=\"13f894f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The <a href=\"https:\/\/www.moh.gov.sg\/news-highlights\/details\/managing-healthcare-cost-increases\" target=\"_blank\" rel=\"noopener\">cost of healthcare in Singapore is on the rise<\/a>, 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.<\/p><p>HomeTeamNS Ordinary members (aged 70 and below) actually enjoy free coverage. Members enjoy <a href=\"https:\/\/www.hometeamns.sg\/familyscheme\/\" target=\"_blank\" rel=\"noopener\">complimentary personal accident insurance coverage<\/a>, 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.<\/p><p>\u201cI think it\u2019s very useful to have this benefit, it\u2019s an added advantage to HomeTeamNS members,\u201d shared Isabel, the daughter of a HomeTeamNS member who passed away.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b29706a elementor-widget elementor-widget-text-editor\" data-id=\"b29706a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>PET INSURANCE<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-029bf31 elementor-widget elementor-widget-image\" data-id=\"029bf31\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"933\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/2.-Pet-insurance.jpg\" class=\"attachment-full size-full wp-image-27803\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/2.-Pet-insurance.jpg 1400w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/2.-Pet-insurance-300x200.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/2.-Pet-insurance-1024x682.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/2.-Pet-insurance-768x512.jpg 768w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/2.-Pet-insurance-1200x800.jpg 1200w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49d7483 elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"49d7483\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-52255f9\" data-id=\"52255f9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d7f84a elementor-widget elementor-widget-text-editor\" data-id=\"4d7f84a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As any pet parent knows, vet visits can be unexpectedly costly \u2013 <a href=\"https:\/\/dollarsandsense.sg\/much-cost-visit-vet-singapore\/\" target=\"_blank\" rel=\"noopener\">a consultation session alone can cost between S$25 and S$60.<\/a> 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.<\/p><p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-763fcfa elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"763fcfa\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0820e40\" data-id=\"0820e40\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-71ee5a1 elementor-widget elementor-widget-text-editor\" data-id=\"71ee5a1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>TRAVEL INSURANCE<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ed98a2f elementor-section-boxed elementor-section-height-default elementor-section-height-default wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no\" data-id=\"ed98a2f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f35be1\" data-id=\"1f35be1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b91554 elementor-widget elementor-widget-image\" data-id=\"1b91554\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1400\" height=\"893\" src=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/5.-Travel-insurance.jpg\" class=\"attachment-full size-full wp-image-27800\" alt=\"\" srcset=\"https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/5.-Travel-insurance.jpg 1400w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/5.-Travel-insurance-300x191.jpg 300w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/5.-Travel-insurance-1024x653.jpg 1024w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/5.-Travel-insurance-768x490.jpg 768w, https:\/\/www.hometeamns.sg\/frontline\/wp-content\/uploads\/2023\/03\/5.-Travel-insurance-1200x765.jpg 1200w\" sizes=\"(max-width: 1400px) 100vw, 1400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9a20a5 elementor-widget elementor-widget-text-editor\" data-id=\"d9a20a5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you\u2019re 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.<\/p><p>Policies can cover one\u2019s expenses and protect their well-being and personal belongings. From losing one\u2019s 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.<\/p><p>HomeTeamNS members enjoy <strong>20 per cent off <\/strong><a href=\"https:\/\/www.hometeamns.sg\/singlife-with-aviva\/\" target=\"_blank\" rel=\"noopener\">Singlife with Aviva travel insurance (single trip)<\/a>. Additionally, if you have a MHA Group Insurance Voluntary coverage, you can get an additional <strong>30 per cent discount<\/strong>. With this perk, you can travel the world with the peace of mind from knowing that you\u2019re protected should emergencies occur.<\/p><p><em>Like our stories? Subscribe to our Frontline Digital newsletters now! Simply download the <\/em><a href=\"https:\/\/www.hometeamns.sg\/mobile-app\/\" target=\"_blank\" rel=\"noopener\"><em>HomeTeamNS Mobile App<\/em><\/a><em> and update your communication preference to \u2018Receive Digital Frontline Magazine\u2019, through the app settings.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life after National Service can be challenging as NSmen transition into adulthood, but the right insurance policy can help mitigate unexpected financial expenses.<\/p>\n","protected":false},"author":14,"featured_media":27802,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[248,13],"tags":[],"class_list":["post-27797","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-singapore-buzz","category-club-buzz"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Adulting 101: Five essential types of insurance you\u2019ll need in life<\/title>\n<meta name=\"description\" content=\"Life after National Service can be challenging as NSmen transition into adulthood, but the right insurance policy can help mitigate unexpected financial expenses.\" \/>\n<meta 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