Gina Toh Financial Planner

12/10/2025

Read our full statement:
IFPAS Stands for Clear, Balanced Guidance on ILPs

29/09/2025

It won’t win you any extra points, but at least you can say you’re holding AIA in the palm of your hand! 🤲🏻 Inspired by AIA Tower at Robinson Road, we’ve made the iconic building into a token, perfectly playable in our “Live Better With AIA” Monopoly game.

The “Live Better With AIA” Monopoly game set is available now. DM me if you like to have a set of it! 🫰🏻

23/06/2025

As medical costs rise, there is ‘no choice’ but to raise rates to allow for a price buffer, says market watcher.

[SINGAPORE] A double-digit surge in claims is putting pressure on the profitability of Integrated Shield Plan (IP) insurers, raising the spectre of more premium hikes. Read more at The Business Times.

18/06/2025

The insurer said that high costs, compared to other private hospitals, were the reason for this decision. Read more at straitstimes.com. Read more at straitstimes.com.

05/09/2024

People have this misconception that they can apply insurance any time they want to. Unfortunately it is not a matter of affordability or premium 🙅🏻‍♀️

It is a matter of eligibility - you apply for it with your HEALTH ✅️

In less than 1 mth, I had 4 clients whose application for insurance were rejected, despite me already trying my best to appeal to the underwriters 😭😭😭

Another 3 had exclusions applied on their insurance 😞🥲

I have 3 more applications still pending for underwriting, but there's a chance to be rejected or have exclusions too 🙏🏻

In case you think it happens only to older people, 1 of that 4 pax tat were rejected this past mth is only 32 yrs old, another 42 yrs old. The 3 that had exclusions, one of them is 26 yrs old, the other 45 yrs old. Most of them are young people... 🥲🥲🥲

I wish I could do more for them... if only they had not waited... 🙏🏻😩

23/07/2024

Very proud of our mature & empathetic product team in AIA who chooses to be inclusive 🙏🏻😃

“We want to be inclusive, instead of just insuring healthy people. [So we looked at] pockets of the communities that are left out in the sense of financial security,” she said.

This led to the launch of AIA Diabetes Care in 2017, designed for people with type 2 diabetes and pre-diabetes.

“Typically, if someone is diabetic, it is very difficult to get insurance coverage,” she said.

“[Diabetes] is typically associated with many [health] risks. We wanted to help diabetic patients at least attain some level of relevant coverage [by] covering blindness and many other critical illnesses [associated with diabetes],” she said.

In 2019, she led the launch of a critical care plan with mental illness coverage including conditions like depression, schizophrenia, bipolar disorder and obsessive-compulsive disorder (OCD).

Irma Hadikusuma believes that insurance should not just cover healthy people. The chief marketing and product officer at AIA Singapore tells CNA Women how she designs policies that include people who traditionally fall into the cracks. This is the third instalment of our women leaders series.

27/06/2024

Staying in a safe country do comes with a much higher cost of living 💰🏫🚘🥘🛍

Stewardship of finances is so important 🙏🏻
It is the heart of financial planning 🌟

Many of my clients are enjoying the fruits today from their years of good stewardship, paired with solutions from AIA to help their dollar work harder 💪🏻
while SG is expensive, we can still enjoy the lifestyle we want with proper planning 👏🏻

Cities in Asia largely dropped in the Swiss bank's cost-of-living rankings, thanks to the strong U.S. dollar.

12/06/2024

A man accused of killing a woman was found to be the sole beneficiary of her CPF savings. How does the CPF board ensure the nomination process is not abused?

A man suspected of killing a woman in Spain was recently revealed to be her CPF beneficiary. Read more at straitstimes.com.

26/05/2024

Trying to find your way around the different cancer treatment plans?

Depending on the type of medical coverage you have, you may need to fork out extra money for your cancer treatment drugs. So always make sure to have the proper amount of coverage based on how much you can afford! 💰

The government introduced a Cancer Drug List (CDL) to ensure that cancer patients are given clinically-proven and cost-effective treatment. What is the Cancer Drug List (CDL)? The Ministry of Health (MOH) introduced the Cancer Drug List (CDL) to prioritise the affordability of cancer drug treatments...

10/05/2024

👨🏻‍💻 Join us for a webinar on 𝗥𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 and how the recent announcement of 𝗖𝗣𝗙 𝗦𝗽𝗲𝗰𝗶𝗮𝗹 𝗔𝗰𝗰𝗼𝘂𝗻𝘁 𝗖𝗹𝗼𝘀𝘂𝗿𝗲 may impact your retirement plans 🧓👵💰

📅 Date: 25 May 24, Saturday
⏰️ Time: 11am - 12pm

Registration will be required for this webinar and will close on 17 May, 5pm. Pls PM me for the registration link if you like to register 💗

04/05/2024

SINGAPORE — With a passion for theatre and drama, and saddled with zero financial commitments, Mr Leonard Tan, 28, decided to “follow his heart” before working towards financial stability.

29/09/2022

Today we’re serving up a slice of budgeting advice 🍰. Here’s how to portion out your monthly salary and — a little cherry on top — three main tips to get your personal finances in shape:
📌Create a budget and track your expenses to reduce impulse purchases
📌 Use cash instead of credit for a better sensing of how much you are spending
📌 Set aside 10% of your monthly salary as savings for a rainy day

Check out more insightful tips on how to stay financially healthy: https://bit.ly/3eUbK7x