You’re doing a great job keeping your child away from harm. But in the case of a medical emergency or critical illness, are you financially prepared to face increasing medical expenses in Singapore?

Let me Help You

Meet Wak Aini

Dear Parents,

I’m Nurul Aini and I help parents like you plan for better healthcare coverage for their children. People also know me as Wak Aini. Why Wak Aini? In a typical Javanese family, ‘Wak’ is a salutation used to refer to an older family member. While I’m mostly referred to Wak by my 7 beloved nieces and nephews, many of my clients call me by the same term of endearment, too.

This is my sixth year providing financial advisory services to the community. I have worked with over 500 clients. As a financial services consultant, my key strength is in guiding my clients to find solutions that best fit their needs. I work with clients from diverse backgrounds in researching income and health protection plans, filing claims, and ensuring that their finances are secured for their future and the future of their loved ones.

It is in a parents’ nature to have a child’s best interest at heart.

But are you prepared to face the challenges that come with taking care of your child?

Children are prone to facing medical-related issues that occur from small accidents to developmental conditions. As a parent, you want your child to get the best medical treatment possible. Yet, with all the medical advancements in Singapore, bills are amounting up to higher, too. How do you protect your finances to ensure your child gets the medical attention he or she needs?
Your Medisave alone isn’t sufficient

Medisave doesn’t cover all medical bills. Plus, you have to factor in additional costs from medical treatments that are included in your bills that are not talked about.

Common medical issues aren’t covered

Kids are susceptible to health issues such as HFMD, dengue, and even injuries from playing around. You need more than basic coverage to take care of these

Developmental conditions are rising

You’re aware of conditions such as ADHD, dyslexia, and even autism. The treatment costs for such issues are often a major financial challenge for parents to overcome.

Out of Her Pocket

Madam A’s seven-year-old son met with an accident while waiting for the bus outside of his school. She had no extra coverage for her child aside from Medisave. While his wound was cleared in a public hospital, he was still complaining of pain. A family member recommended a specialist at a private hospital.

Madam A had to pay for that appointment out of pocket as that visit did not fall under the Medisave applicability.

Making Ends Meet

Mr. & Mrs. L’s six-month-old girl was diagnosed with a rare condition after many tests conducted by doctors. As the couple had not purchased any healthcare protection for their daughter at birth, they could only rely on their Medisave to clear a percentage of the hospital bill.

The rest of the tests and months of treatment had to be paid out of their own pockets. Mr. L had to take a second job to make ends meet at home.

Your child’s wellbeing is paramount

As a parent, you want to do whatever it takes to ensure your child is happy and healthy. But one thing parents always seem to neglect is that they too have to stay healthy – physically, mentally, and financially – in order to uplift the lives of their children.

Let’s say you have a well-paying job and have always made sure there’s enough food on the table for all. But in challenging times like the one COVID-19 has presented, jobs become unstable, situations become dire. In moments like this, a stable income isn’t enough to add on to your rainy day fund. You need more than that.

What if you lose your job and don’t have enough for basics, let alone extra expenses?

What if your loved one were to fall sick at this time?

Protect what you can…

Taking care of your child doesn’t just involve ensuring that you have enough for medical expenses. You need to protect your income in case of situations that cause you to lose your monthly sustenance. You need to ensure your own medical bills do not add up to your expenses so you can focus on getting full coverage for your child. There are multiple ways that you can protect your child’s future.

Get protected to be sure that your savings go untouched when an unfortunate event happens. You don’t want to face a situation where you have to drastically downgrade your lifestyle due to illness. Added coverage can help pay almost 95% of your medical bills which may also include reimbursements for pre- and post-admission.

It’s not too late to start.

When you sit down for a consultation with me, I will assess what you have, what you want, and what you need to keep your family protected from unforeseen circumstances like medical or loss of income issues.

Kind Words From Clients:

Down-to-earth Approach

She is definitely the best financial planner I’ve ever met. She is very patient, listens well, and will assess your budget and needs properly before recommending any solutions to you. Most importantly she is never pushy and respects your decision. She gives excellent advices and makes you feel very comfortable with her down-to-earth approach. The best I’ve met so far and I would recommend anyone who needs a good financial planner, this Super Lady would be the right person!

Aneesa Begum
Founder of @kidzparadize

Dedication & Loyalty

Aini has been a blessing to us, I was diagnosed with endometriosis and was scheduled to go for surgery. I called her up and told her of my situation to know if I am covered for the surgery and she has managed to ensure that everything will be alright and that she would settle any claims needed for me. True to her word, I didn’t have to worry about anything as she has automatically assisted me in all my claims and anything else she needed from me. Her dedication to serving her clients is beyond exceptional and we have developed a great friendship over the years. She would always ensure that we get all the information we ever need and we are always amazed by how knowledgeable she is and giving us a sense of security that we are cared for and under safe hands. I’ve never stopped raving to anyone about how amazing she is and how lucky I am to know her. It’s not just worked for her but it’s her true dedication and loyalty.

Shikin Sumari
Campaigns Exec

Wiser Financial Decision

Aini gives insightful advise and prompt response with regards to any financial queries that I have be it investments or insurances. These advices contributes to me making a wiser financial decision. She will give you a comprehensive deal and policy that caters and fits best to your financial capability because she will understand what you need to have a secure financial future.

Shariffah Nadhirah

Hardworking & Trustworthy

Aini is a hardworking person. It has been great working with her. I also trusted her in checking my existing policies which I took up form other companies. In fact, she has done more than what a financial advisor should do. Not only she provides the latest information of new policies but she also recommends me with the one that she thinks best suit my financial stability and needs.

Aishah Hassan
Preschool Teacher

I Have Received The Following Credentials:

Official Accolades:
  • Million Dollar Round Table (2021)
  • Million Dollar Club Platinum (2020)
  • Million Dollar Club Platinum Starr (2019)
  • Million Dollar Club Gold (2018)

Customise your financial plan

There’s always light at the end of the tunnel

Are you a breadwinner for your family? Do you consider yourself a full-time caregiver? Either way, through a step-by-step approach, you and I can assess what is needed to protect you or your loved ones from accumulating exorbitant medical expenses.

Step 1

Assess what you already have

Let’s first take a look at what you have. As a Singaporean resident, you may enjoy Medisave benefits. But is that enough for, say, your family of four? What about insurance coverage or financial aids? Together, we list down the protection plans that you already possess.

Step 2

Discuss where your gaps are

Once we know what’s already in place, we review what’s working for you and what isn’t. We consider different scenarios that may take place and identify if these situations will be covered in the plans that you already have. Gaps will be identified and taken note of.

Step 3

Consider different solutions

Once we know what’s missing, I will study the existing market and find solutions that are suitable for your needs. There are many options out there but not all will match your requirements. Once a customised plan is prepared, we review and choose the best option.

Step 4

Reduce that financial burden

You’re on your way to cushioning any financial worries you may have because of income instability, critical illness, or medical bills for you or your family members. With the plans in place, we now stay in touch in case of any queries or claims to be filled.

Ready to let go
of your financial woes?

There is no better time than now

If you’re planning a future that is safe for yourself and your family, then you need to ensure that you have protected your finances from all angles. In today’s fast-paced world, we have to do our best to catch up with rising prices and changing needs. 

Having a portfolio of protection plans will help you ease your financial burdens so you can focus on spending quality time with loved ones.