S1E89: New IP rider rules just kicked in. Are you actually better or worse off?

Discover how bhajan clubbing is transforming devotional music in India. Synopsis: Every first Friday of the month, The Straits Times catches up with its foreign correspondents about life and trends in the countries they're based in. In this episode, host Li Xueying discusses with Debarshi Dasgupta the recent surge in bhajan clubbing - the fusion of devotional Hindu music with contemporary styles like EDM and rock. This cultural phenomenon, exemplified by recent concerts in Delhi and other cities, explores how young Indians are finding a modern form of spiritual engagement, stress relief, and social belonging. It has received government endorsement from Prime Minister Modi and the BJP as part of a Hindu religious revival, which includes state funding for concerts and events. This cultural shift also addresses social acceptance and generational changes in religious practices. Highlights (click/tap above): 1:18 How bhajan clubbing draws different age groups and its impact on faith practices 3:41 Influence of political figures like Modi endorsing this musical trend 6:35 The correlation between stress relief, youth identity, and spiritual needs 11:13 BJP’s promotion of Hinduism and religious revival through government policies 13:22 Political and economic motives behind government support for Hindu cultural activities 16:17 Future prospects of bhajan clubbing and its evolution into all-night raves Read Debarshi Dasgupta’s article here: https://str.sg/qFYv   Read Li Xueying’s articles: https://str.sg/iqmR  Follow Li Xueying on LinkedIn: https://str.sg/ip4x   Sign up for ST’s weekly Asian Insider newsletter: https://str.sg/sfpz  Host: Li Xueying ([email protected]) Edited by: Fa’izah Sani Executive producer: Ernest Luis Follow Asian Insider on Fridays here: Channel: https://str.sg/JWa7 Apple Podcasts: https://str.sg/JWa8 Spotify: https://str.sg/JWaX Feedback to: [email protected]  SPH Awedio app: https://www.awedio.sg  --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts  The Usual Place Podcast YouTube: https://str.sg/4Vwsa  --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX  --- #STAsianInsiderSee omnystudio.com/listener for privacy information.

If you have private medical insurance, April 1 would have been on your radar. Private health insurers have put out new Integrated Shield Plan (IP) riders, which comply with requirements by the Ministry of Health (MOH) that were announced in November 2025.  This move was aimed at curbing rising insurance premiums and private healthcare costs. The major effect on policyholders? They will now be required to fork out more in deductibles and co-payments. The upside is that new IP riders are more affordable than the previous ones. What does this move spell for private insurers, doctors and policyholders? In this episode of The Usual Place, I speak with Mr Eddy Cheong, CEO at insurance advisory Havend; and Mr Yip Hon Weng, Yio Chu Kang SMC MP and the deputy chairperson for the government parliamentary committee on health. Highlights (click/tap above): 4:18 Changes to IP riders and plans 8:01 What led to the ‘buffet syndrome’? 12:56 Doctors charging indiscriminately? 14:03 Paying more for your rider than the base plan 18:04 Delaying medical checks? 24:06 How medical inflation got to 16.9%? 26:00 Do you need to ‘insurance-max’? 30:36 Fewer insurers, fewer problems? Host: Natasha Ann Zachariah ([email protected]) Read Natasha’s articles: https://str.sg/iSXm Follow The Usual Place podcast on IG: https://str.sg/8KNT Follow Natasha on LinkedIn: https://str.sg/v6DN Filmed by: Studio+65 Edited by: Eden Soh & Hadyu Rahim Executive producer: Danson Cheong  Editorial producer: Elizabeth Law Follow The Usual Place Podcast and get notified for new episode drops every Thursday: Channel: https://str.sg/5nfm Apple Podcasts: https://str.sg/9ijX Spotify: https://str.sg/cd2P YouTube: https://str.sg/theusualplacepodcast Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX -- #tup #tuptrSee omnystudio.com/listener for privacy information.

The first woman to lead a university in Singapore discusses how SMU is adapting to AI and different forms of employment. Synopsis: On Wednesdays, The Straits Times takes a hard look at Singapore's social issues of the day with newsmakers. Facing a softer job market, fresh challenges wrought by artificial intelligence (AI) and growing scrutiny over the industry relevance of degrees, universities are coming under pressure to show degrees lead to good jobs, not just academic credentials. That requires stronger career services, more industry-linked learning and closer alignment between education and the job market. How are universities adapting to improve graduate employability? How do they ensure students gain practical, industry-relevant skills alongside academic knowledge? What yardsticks should universities use to judge if a degree is still delivering good value? In this episode, ST's opinion editor Lin Suling speaks with SMU President Prof Lily Kong. Highlights (click/tap above):  7:07 Can a student realistically juggle multiple competing demands of a holistic education? 9:33 Overseas exchange programmes: Leveller or a flex? 15:34 What responsibilities do universities bear for graduate employment outcomes? 20:58 The impact of internships and cross-disciplinary programmes on employment outcomes 28:54 How AI is changing teaching at SMU 32:50 More gig, temp and part-time roles: Do universities have a role in preparing students for this career reality? Read ST’s Opinion section: https://str.sg/w7sH Follow Lin Suling on LinkedIn: https://str.sg/hiLQ Host: Lin Suling ([email protected])  Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow In Your Opinion Podcast here and get notified for new episode drops: Channel: https://str.sg/w7Qt Apple Podcasts: https://str.sg/wukb Spotify: https://str.sg/w7sV Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast  --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #inyouropinionSee omnystudio.com/listener for privacy information.

With Washington distracted and opportunities in clean energy, Beijing might have the last laugh. Synopsis: Every fourth Friday of the month, The Straits Times will now analyse the hottest political and trending talking points, alternating between its Malaysia and Greater China bureaus. For March, host and deputy foreign editor Albert Wai teams up again with senior China correspondent Yew Lun Tian. Their focus is on the war in the Middle East.  The conflict in Iran has further complicated Beijing’s ties with Washington. However, there are some dividends that might be reaped by China as America’s allies potentially look East because they find it more and more challenging to be on the same page as Trump.  On the economic front, fuel shortage is being felt across the board. But given China’s strengths in green technology, there might be opportunities for its companies as countries look to rejig their energy mix in the long run. Additionally, military analysts have suggested that the conflict serves as a living laboratory for Chinese technology given that some of Iran’s defences are reliant on systems developed by China. For now, Beijing’s global standing may have taken a hit as it has been exposed for having limited influence over happenings in the region. But with America fully engaged in Iran and the financial cost of the war, foreign policy space might well open up for China. Highlights (click/tap above):  2:17 Tensions between US and its allies could benefit China 7:26 A reminder on fossil fuel reliance 10:20 Beijing has spent years preparing for a fuel shock 12:56 Will China join a convoy in the Straits of Hormuz? 17:23 Iran as a living lab for military tech 20:02 Beijing’s limited influence in the Middle East Read more: https://str.sg/rk3J   Register for Asian Insider newsletter: https://str.sg/stnewsletters  Host: Albert Wai ([email protected])  Produced and edited by: Fa’izah Sani Executive producer: Ernest Luis Follow Asian Insider Podcast on Fridays here: Channel: https://str.sg/JWa7  Apple Podcasts: https://str.sg/JWa8  Spotify: https://str.sg/JWaX  Feedback to: [email protected]  SPH Awedio app: https://www.awedio.sg  --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts  The Usual Place Podcast YouTube: https://str.sg/4Vwsa  --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX  --- #STAsianInsiderSee omnystudio.com/listener for privacy information.

Will lucky draws, monetary rewards or ‘sticks’ work when it comes to getting Singapore residents to recycle? A new recycling initiative called the Beverage Container Return Scheme (BCRS) launches on April 1, but with household recycling rate in 2024 fell to a record low of 11 per cent, will this move the needle? Mr Heng Li Seng, founder and director of social enterprise Green Nudge, and Associate Professor Victor Seah, director of the Behavioural Insights Centre of Excellence at the Singapore University of Social Sciences, drop by The Usual Place to help sort out our recycling woes. Highlights (click/tap above): 1:29 Will the BCRS work? 5:41 Is a 10-cents refund a good enough sweetener? 7:11 ‘Sticks’ to change behaviour 10:49 Transparency of recycling process 16:14 Tiong Bahru residents have had enough of blue bins 18:29 Shaming others into recycling? 21:39 Recycling is not as simple as before 24:29 Can recycling be sexy? 28:39 No silver bullet to get people to recycle Host: Natasha Ann Zachariah ([email protected]) Read Natasha’s articles: https://str.sg/iSXm Follow The Usual Place podcast on IG: https://str.sg/8KNT Follow Natasha on LinkedIn: https://str.sg/v6DN Filmed by: Studio+65 Edited by: Eden Soh Executive producer: Danson Cheong  Editorial producer: Elizabeth Law Follow The Usual Place Podcast and get notified for new episode drops every Thursday: Channel: https://str.sg/5nfm Apple Podcasts: https://str.sg/9ijX Spotify: https://str.sg/cd2P YouTube: https://str.sg/theusualplacepodcast Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX -- #tup #tuptrSee omnystudio.com/listener for privacy information.

Are these cards really that bad? Could playing with them lead to gambling?  Synopsis: On Wednesdays, The Straits Times takes a hard look at Singapore's social issues of the day with guests. Pokemon. One Piece. Magic: The Gathering. These trading card games bring back nostalgic childhood memories. But the government's plans to regulate them raise questions. In this episode, assistant opinion editor Lianne Chia speaks to psychiatrist Lim Boon Leng from Gleneagles Medical Centre, and Chew Zhan Lun, co-founder of card marketplace CTRL Collectibles, who recently made headlines for rejecting a $1.3 million offer for one of his Pokemon cards.  They delve into the nature of the trading card scene and how such cards - initially meant for children to play with - have turned into a hyped-up investment asset. But with social media and livestreaming fuelling this boom, there are practices that could cross the line into gambling. Could regulations, therefore, be a good thing for the scene? And what could they look like? Highlights (click/tap above): 7:28 When a hobby becomes lucrative, what do we lose?   13:08 What makes people spend thousands of dollars on a single card? 17:29 Is there something inherently wrong with trading cards that could cause one to be addicted to gambling?  20:31 Are we exposing our children to gambling? 26:41 Is regulation going to take the fun out of the hobby? Read ST’s Opinion section: https://str.sg/w7sH Follow Lianne Chia on LinkedIn: https://str.sg/gTta Host: Lianne Chia ([email protected]) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow In Your Opinion Podcast here and get notified for new episode drops: Channel: https://str.sg/w7Qt Apple Podcasts: https://str.sg/wukb Spotify: https://str.sg/w7sV Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast  --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #inyouropinionSee omnystudio.com/listener for privacy information.

How much coverage is too much? Synopsis: Every first and third Monday of the month, get a head start in your personal finance, career and life with The Straits Times. The question people always have when buying insurance is: how much? And not just how much it costs, but how much is enough? How can you tell if you have too much insurance?  In this episode, ST business correspondent Sue-Ann Tan looks at what being overinsured means and how to review your policies.  Her guest is Life Insurance Association’s executive director Chan Wai Kit.  Highlights (click/tap above): 3:36 What are riders and do I need them? 6:14 Why are riders so expensive? 8:10 Do I need my own policies if I already have corporate insurance? 12:00 Why do premiums increase with age?  14:48 How to tell if I’m spending too much on insurance?  20:09 What happens when I cannot pay for my premiums? Read Sue-Ann Tan's articles: https://str.sg/mvSa Follow Sue-Ann Tan on LinkedIn: https://str.sg/A86X Host: Sue-Ann Tan ([email protected]) Produced & edited by: Amirul Karim Executive producers: Ernest Luis, Lynda Hong & Joanna Seow Follow Headstart On Record Podcast channel here: Channel: https://str.sg/wB2m Apple Podcasts: https://str.sg/wuN3 Spotify: https://str.sg/wBr9 Feedback to: [email protected] Get business/career tips in ST's Headstart newsletter: https://str.sg/headstart-nl SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- Do note: All analyses, opinions, recommendations and other information in this podcast are for your general information only. You should not rely on them in making any decision. Please consult a fully qualified financial adviser or professional expert for independent advice and verification. To the fullest extent permitted by law, SPH Media shall not be liable for any loss arising from the use of or reliance on any analyses, opinions, recommendations and other information in this podcast. SPH Media accepts no responsibility or liability whatsoever that may result or arise from the products, services or information of any third parties. --- #headstartSee omnystudio.com/listener for privacy information.

Depleting its own military resources and antagonising Arab neighbours may be a cost too high for the regime to bear. Synopsis: Every third Friday of the month, The Straits Times gets its US Bureau Chief to analyse the hottest political and trending talking points. In this episode, US Bureau Chief Bhagyashree Garekar chats with Prof Benjamin Radd, an authority on the politics of the Middle East, especially Iran. Professor Radd, PhD (UCLA 2015) JD (Stanford 2003), is a Political Scientist and Senior Fellow at the UCLA Burkle Center for International Relations, and an expert on government and politics of the Middle East, US foreign policy, and comparative law.  Dr Radd is also a professor at the UCLA School of Law and adjunct professor at the USC Gould School of Law, where he lectures on American legal development and constitutional law and politics.  In addition, Dr Radd is the Founder and CEO of Fascination Lab, an educational and experiential learning consulting firm. In 2023, he was hired to design a political crisis simulation that was filmed and released as an award-winning documentary, ‘War Game’, which was selected to premiere at the Sundance Film Festival. Highlights (click/tap above): 1:32 Iranian regime's capability for waging a long war 6:23 Will the Iranian regime try to make a nuclear bomb? 15:14 Potential emergence of a moderate leader in Iran 19:21 Is Arab faith in the US shaken? 20:23 The possibility of Arab nations attacking Iran 22:17 Has Trump landed himself in a political mess? 25:01 When will the war end? Read Bhagyashree Garekar’s articles: https://str.sg/whNo  Bhagyashree Garekar’s LinkedIn: https://str.sg/gD6E  Sign up for ST’s weekly Asian Insider newsletter: https://str.sg/sfpz  Host: Bhagyashree Garekar ([email protected])  Produced and edited by: Fa’izah Sani Executive producer: Ernest Luis Follow Asian Insider Podcast on Fridays here: Channel: https://str.sg/JWa7  Apple Podcasts: https://str.sg/JWa8  Spotify: https://str.sg/JWaX Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #STAsianInsiderSee omnystudio.com/listener for privacy information.

More than 1,000 private residential developments in Singapore are hitting their 30s, and some are starting to show signs of wear and tear. But if residents have not been prudent in saving for these big-ticket items such as upgrading lifts and fixing spalling concrete, should the Government step in to help? Mr Andrew Lioe, president of the Association of Strata Managers, and Mr Daniel Chen, a lawyer and partner at Lee & Lee, with a practice focused on Management Corporation Strata Title (MCST) disputes, weigh in on the challenges with managing sinking funds and the tension among different types of owners. Highlights (click/tap above): 1:44 How are sinking funds for condos managed? 4:44 Sinking fund kitty management woes 6:48 Why do owners want to delay adding to the sinking fund? 10:30 Why can’t MCSTs force owners to pay? 14:27 “The en bloc situation is not that common.” 15:24 The owner-occupied vs investor-owned mindset 18:33 What changes to the law could fix this problem? 22:36 Are problems caused by a selfish few? 26:00 The tension in mixed developments 29:45 Should the Govt step in to bail out condos? 33:50 Red flags when buying resale condos Host: Natasha Ann Zachariah ([email protected]) Read Natasha’s articles: https://str.sg/iSXm Follow The Usual Place podcast on IG: https://str.sg/8KNT Follow Natasha on LinkedIn: https://str.sg/v6DN Filmed by: Studio+65 Edited by: Eden Soh Executive producer: Danson Cheong  Editorial producer: Elizabeth Law Follow The Usual Place Podcast and get notified for new episode drops every Thursday: Channel: https://str.sg/5nfm Apple Podcasts: https://str.sg/9ijX Spotify: https://str.sg/cd2P YouTube: https://str.sg/theusualplacepodcast Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX -- #tup #tuptrSee omnystudio.com/listener for privacy information.

As the Middle East conflict sends oil and gas prices soaring, Green Pulse hosts discuss if geopolitics will break ASEAN’s fossil fuel addiction. Synopsis: Every first and third Tuesday of the month, The Straits Times provides you with a South-east Asian perspective to global environmental challenges. The war in the Middle East is causing energy prices around the world to spike, due to Iran’s closure of the Strait of Hormuz – an important shipping route for oil and gas – and attacks on fossil fuel production facilities.  For energy-importing nations, the volatility is no longer just an economic concern. It’s a matter of national security. Coming on the heels of the war in Ukraine, the latest crisis poses a difficult question: How can Singapore and its ASEAN neighbours insulate themselves from global shocks?  Green Pulse hosts Audrey Tan and David Fogarty discuss energy security and the role of renewables in this episode.  Highlights of conversation (click/tap above): 3:19 Everyone is scrambling for fossil fuel supplies. Is this the time to be talking about renewables? 5:54 This latest energy crisis needs to accelerate the birth of the ASEAN Power Grid. 7:06 What lessons did the world learn from the 2022 energy crunch? 14:45 Boosting ASEAN’s energy resilience limits the region being held hostage by geopolitics.  19:17 ASEAN needs a clean-energy champion. Who will step up to rally the region? Green Pulse LinkedIn newsletter: https://str.sg/green-pulse-nl Follow Audrey Tan on LinkedIn: https://str.sg/848W Read her articles: https://str.sg/JLM2 Follow David Fogarty on LinkedIn: https://str.sg/jcvy Read his articles: https://str.sg/JLMu Hosts: Audrey Tan ([email protected]) & David Fogarty ([email protected]) Produced and edited by: Hadyu Rahim Executive producers: Ernest Luis & Lynda Hong Follow Green Pulse Podcast here and get notified for new episode drops: Channel: https://str.sg/JWaf Apple Podcasts: https://str.sg/JWaY Spotify: https://str.sg/JWag Feedback to: [email protected] SPH Awedio app: https://www.awedio.sg --- Follow more ST podcast channels: All-in-one ST Podcasts channel: https://str.sg/wvz7 Get more updates: http://str.sg/stpodcasts The Usual Place Podcast YouTube: https://str.sg/theusualplacepodcast --- Get The Straits Times app, which has a dedicated podcast player section: The App Store: https://str.sg/icyB Google Play: https://str.sg/icyX --- #greenpulseSee omnystudio.com/listener for privacy information.