Tokio Marine : What does protection mean to a parent?

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From birth, we parents worry about our children’s development.

We wish to give our children the best care and protection.

Are they eating enough, absorbing nutrition and meeting growth milestones?
Once our children are old enough to attend childcare, we worry whether they can adapt to new environments.

Two of our kids started in infant care (Yes, from two months onwards!), and we were worried about infectious diseases like HFMD (Hand Foot Mouth Disease), diarrhoea and stomach flu.

Fortunately, most of these incidents are small bouts of infection which do not require hospitalisation.

I would say 75% of the time, parents’ worries are unnecessary.
Kids are always more resilient then we parents believe.

Nevertheless, as kids grow into the next phases in life, our set of ‘worries” also upgrade accordingly.
School and curriculum, friends and influence, homework and enrichment, boy girl relationships, mental well-being and so on. You get the idea.

Kids will become more independent, nurture their own thinking and they might just switch off from parents’ good intentions. These scenarios happen frequently in my family as my older kids are already in their teens  :p

A couple must work together and fall back on each other for support.

Husband and Wife are the pillars of a family, and only with a strong foundation can we better ensure a strong and loving home.

Sometimes we wonder..

Are we passing the right values to our kids? Will he or she grow up to be a confident and independent adult? Some say parents will keep a tab on their child’s well being even after the child himself becomes a parent.
I have not reached that stage yet, but I can understand why parental concerns will be never ending.


We all love and treasure our family. Yet, some things will be beyond our control.

Insurance is something we parents can provide for our child. Let me share two new products from Tokio Marine Life Insurance Singapore Ltd. (TMLS).

1) KidAssure GIO Rider

What caught our eye was the affordable no hassle package.

Health declaration required


KidAssure GIO Rider
covers our child up to 24 medical and hospitalisation conditions. This rider can be attached to most TMLS’ life insurance basic plans.

Medical underwriting is not needed, and subscription is almost guaranteed.

There are more value added benefits. Parents only need to pay for 5 years premium and child gets to enjoy coverage till 19 years old. We can receive up to 80% of total annual premiums when our child reaches 19 years old.

(For every purchase of a TM KidStart education plan together with a KidAssure GIO Rider between now and 31 December 2017, TMLS will donate S$50 to Club Rainbow,  benefiting chronically ill children and their families.)

KidAssure GIO Rider will certainly enhance and extend our child’s current healthcare benefits. Do pop by this website for more details, scope and T&C of KidAssure GIO Rider.

2) TM Term Assure

It is harder to save for a rainy day when we have a family and children. Household expenses, enrichment classes, medical treatments or the occasional leisure activities require us to be prudent with our savings.

Inflation, rising aspirations and higher medical costs will only add more pressure to a family’s expenses.

At a low cost of less than $1 per day, young adults between 25 to 35 years old can get a coverage of up to $500,000 on a 5 years plan –  should something bad happen (death, terminal illness or total permanent disability). Choose a term plan that suits your budget and needs.

We want to be assured that our family is well taken care of should something happen. Read more about TM Term Assure here.

Both KidAssure GIO Rider and TM Term Assure are designed with families in mind. Tokio Marine has launched the new products under a new Protection campaign “#MyLoveForYou”.

Quoting from TMLS website: ” #MyLoveForYou campaign is designed in line with Tokio Marine’s Good Company philosophy, which emphasizes giving back to the community in meaningful ways.  “

Don’t just prepare them, protect them for the future.

#MyLoveForYou campaign will run through June 2017 through social media channels. During this period, parents will be encouraged to share their love, protection, and gratitude of their family.


Interested to find out more about how KidAssure GIO Rider and TM Term Assure can help your family. Do pop by .

Parents are also invited to visit Baby World 2017 and visit the Tokio Marine booth (K15) for exciting fun and games.

Date: 30 June to 2 July 2017
Time: 11 am to 8pm
Venue: Suntec City Exhibition, Level 4

Boon Xin’s 8th Birthday

Boon Xin Birthday 🙂
In the blink of our eye, Boon Xin is now 8 years old.

Her bob hair and cute antics seems like just yesterday…

Friends big and small joined us to celebrate Ah Xin’s Birthday 🙂

A Simple Buffet, friendship, party time.

Tsum Tsum got us excited.

Thank you for the super cute Tsum Tsum cake, River Ash Bakery (Facebook). Pop by their website for more creative cakes and cupcakes, Unicorns, Frozen and Pororo and Gudetama 🙂


Both kids and adults find the cute cartoons toys irresistible haha 🙂


Sing a song, cut a cake, yummy 🙂

Our girl had a great time. Boon Xin, may you have many more Happy Returns 🙂

Boon Xin Birthday
Boon Xin Birthday

Vasectomy birth control for the man

Vasectomy does not reduce your sexual performance nor your manliness.

One recent topic in Daddy Matters (closed FB group) requested for “Vasectomy reference”. The subject raised a lot of pentup (pardon the pun) questions.

We guys sometimes wondered about Vasectomy (结扎), the benefits and comparison with ligation. We wanted to hear from someone who had done it before, as we are curious about potential side effects.

Vasectomy family planning
4 kids enough for us

It is a hush hush topic as we usually do not go around asking our colleagues, neighbours or kopi kakis about birth control, more specifically sterilisation. It is just not in guys’ DNA to talk about Family Planning (Asia is still quite conservative, and in some societies, male-sterilisation is taboo)

The Dads discussed about the pros and cons of Vasectomy, doctors (Urologist) reference, and surgical fees. The online feedback was fruitful, blunt and honest, yet reserving some level of privacy.

I would find it hard to discuss birth control face to face, too much intimacies to reveal :p

Vasectomy : It is not only about our manhood and mojo (libido)

Man’s health and family planning, Vasectomy might not be suitable for everyone. I hope this blog post will clear some doubts and raise awareness about the benefits.

Perhaps, more husbands will be encouraged to take a snip for the wife and family 🙂 (In case you are still clueless, Vasectomy is sterilisation for Man, there is an image under FAQ Section)


Ligation, Pill, Condom, Vasectomy etc

(withdrawal method is not birth control :p )

I did my Vasectomy back in 2009. It took me so long to blog about my experience as I am a conservative chap.

(Hint: Try not to YouTube Vasectomy as the procedure can be very graphic, I still feel uncomfortable at the thought of someone manhandling my testicles)

Most chaps (and even females) might assumed Birth Control equal Ligation. Some will expect the Mrs to stitch (ligate) after the last child’s birth.

Our spouse has to undergo the pain and trauma of childbearing, I truly believe we HUSBANDS can afford to take a few stitches for our darlings!

Read on if you wish to discover more about birth control options for the family.

1) Vasectomy Myths

– Although we are in 21st century, there are still a lot of myths about Vasectomy. Come on, go Google for the truth.

– This procedure is very common in Europe and US

– It is not castration (physical or medical), and procedure will not make you an eunuch (公公) !

– The procedure will not harm your manhood nor libido, and your testosterone level will not be affected.

– Vasectomy will not cause erectile dysfunction and you can still fulfill a husband’s sexual duties.

Let me share why your sexual experience might improve too.

2) Advantages of Vasectomy

– Faster recovery compared to ligation, and less side effects. Tying the fallopian tubes immediately after childbirth might be less effective

– Vasectomy is cheaper and faster (2 to 3 hours) compared to ligation

– Technically, the man is “infertile” as the tubes (vas deferens) carrying the sperm had been sealed/snipped

– Easier to reverse the procedure compared to ligation (although we should go in with the mindset of no U-turn)

– Procedure only requires local anesthesia, ie safer and cheaper ( will grimace more from embarrassment than pain, as you are awake and aware that everyone in Operating Theatre can see your jewels)

– No more condoms, FREEDOM for couple!

– No more counting of ovulation window ( forecasting safe penetration)

– Husband and wife can be amorous after one week, although Doctor will caution about being too vigorous (you know yourself)

– Confident that I will not produce another baby, couple can relax more and enjoy the pleasures of love making ( Hooray!)

Happy Family
Happy Family


3) So, is Vasectomy for me?

Besides the surgical procedure. There are other considerations, which will be highlighted by your specialist.

– Couple must make a conscious decision about birth control. Four kids are definitely enough for me and wife :p

– Research and shortlist the Urology clinics (and consultants) in Singapore

– Private and Public fees are different, ask whether you can claim from Medisave or insurance

– Technically, reversal of Vasectomy is possible, but we should go through with a mindset of no U-turn

– Specialist consultations will share more about the procedure and help you come to a decision. We heard stories of reversal due to Unforeseen circumstances :

a) Death of child
b) Need to harvest cord blood of new birth to save siblings
c) Re-marriage
(no right or wrong answers above)

– Some men do stray after the procedure, blame the new “freedom” (same reasoning for Viagra)

– Do Google for “Side effects” and discuss your concerns with Doctor

– Although rare, there are instances of failed Vasectomy. As with all medical procedures (and condoms), there can never be 100% guarantee



4) Vasectomy FAQ

– Hard to illustrate before/after Vasectomy, see this image

– Penile functions will not degrade. You can definitely masturbate and achieve an erection ( Sexual health topics are very subjective )

– You will be able to ejaculate fluid, just that sperm is no longer present (in Army lingo, shoot Blanks)

– Fees between Public and Private can range from $800 to $2000 (estimation from 8 years ago). If you do not mind, please share latest rate with me

– Vasectomy procedure is day surgery about 2 to 3 hours, only local anesthesia is needed

– Small incisions on both scrotums are needed to disconnect the tubes. Besides slight swelling post procedure, the external wound should fully heal within months

– Not painful, only mild discomfort

– Recovery expected within a few days, but I was told to go easy on sports

Family planning Singapore
Family planning Singapore

So if you are still wondering whether we are planning to expand SengkangBabies, you have the answer now 🙂

I hope the above pointers would help to allay some of your concerns and fears. Naturally, the No 1 concern for most chaps are post-Vasectomy performance.

You may email me for my Doctor and additional details.


This post hopes to raise awareness about male contraception Vasectomy. If I should misrepresent some processes or my explanations are vague, do correct me. Birth control is a serious topic, pardon my attempt to inject some humour into subject.