Tuesday, February 19, 2019

Buying two insurance policies

After having a kid, I thought it was due time for me to update my insurance protection. I summed up all my policies and realised that I have a huge shortfall for death, tpd, as well as critical illness. As it is now, I applied for the Mindef Aviva plan to cover this shortfall and am still waiting for them to get back to me. This should add another $700 to $800 per year to cover me until age 65, which I gauge it to be adequate. I'll do a separate post on it when the insurance plan is confirmed. Might be months later, since I likely have to do a health check and all the other documentation.

So that's the easy part. Just spend the money, pay the premiums and lo and behold, you're covered for xxx thousands here and there.

The harder part is this other 'insurance policy' I just started - exercising. I haven't been actively exercising since the birth of my child two years ago. I want to take care of my grandchild many years later, hence it's important for me to maintain good health. I know what motivates me, and that's having a to-do list unfulfilled and waiting for me to do them. Hence, I went straight to get a Fitbit charge 3, which is a fitness tracker that comes accompanied with a great app for use in my mobile phone/desktop. With the app, it allows me to track all sorts of things, like how much water you drink, how much calories you take, how much exercise you do per week and how many hours you sleep. Fantastic. My tracker will vibrate every hour reminding me to move my ass if I didn't hit 250 steps. Yup, every hour it will remind my sorry ass to move, until 6pm.

I started jogging today too after having a break of more than 3 years. Imagine the pain burning through my legs now. I always thought that the IPPT, which is the required annual physical fitness test for all combat fit guys here in Singapore (at least until 40 or when you are in the Mindef reserve), is damaging to my health. I want to run and do all the exercise item, but not to the extent that I had to 'kill' myself to pass. I'm glad all these official tests are over for me so that I can focus on the fitness that I really want. Fitness to me is just this: able to run after my active son without feeling tired and able to live long healthily.

Maybe I will join a gym or something, but we'll see. For now, I want to be sufficiently cardiovascular fit but I think about the gym. Hey, taking care of your health is the best investment you can do for yourself!

Looks like a great start to the year 2019, in terms of coverage lol


Singapore Man of Leisure said...



Jia you!

I'm a walker.

At my age, less impact on my joints and knees ;)

Patrick T. said...

When are you going to start cycling? I'm waiting for you to join me - I cycle past Bedok, at least twice every weekend.

la papillion said...


Next time my turn to do low impact sports :)

la papillion said...

Hi pat ge,

Hahaha, you got to wait longer :) in the meantime, keep up the exercise! Just now me and jade are just saying how fantastic you look that day - glow of health!

Naro said...

Hi LP,

How do you find the Fitbit Charge 3? Been thinking of getting one.


la papillion said...

Hi Naro,

I think it's a great buy. I always thinking of getting cheaper, less branded ones, but I was convinced eventually by the app. The tracker is just one part of the thing, the app is the other. But if you need GPS for your tracker, then fitbit charge doesn't come with one. It can be connected to your hp (if you bring it along your runs though).

Pro tip: get it from carousell. It is brand new and unopened in box, and it's way way cheaper than retail store. Easily 15% off.

dpang88 said...

Hi LP,
why don't just use free mobile app like runkeeper. Been using for abt a year. No need for Fitbit.

la papillion said...

Hi Derrick,

I hate running or exercising with a handphone besides me, that's one thing. I find it very distracting. The other more important part is that I know that by spending money on a new gadget, it'll make me motivated to use it and hence kick start a good exercising habit lol!

Patrick T. said...

What's your strava account? I add you.

Anonymous said...

Move it, move it and move your ass. It does not matter whether you walk or run, just keep moving.

I walk twice a day, in the cool of course, each time one to two hours, including the stretching. No trackers, hp or any gadgets. Not bother with records, measurements or calories crap. Ya, just move. That’s all.

la papillion said...

Hi anon,

I know why I measure with a tracker, it's to motivate myself, at least in the initial phase of the exercise plan. There is merit in tracking performance so that you can reach the fitness goal you want.

So, may I know why you don't track? Why don't you bother?

Jes said...

Hi LP,

Not just as a parent, but as a self-employed we really need to keep fit. Cannot anyhow claim medical fees and such benefits ma! :)

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