Senior Personal Wealth Manager. 
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1. If you buy an IP rider after 1 April 2026: 
• No longer cover the minimum IP deductible amount (up to $3,500) of IP plans moving forward; and 
• The minimum co-payment cap per policy year will increase from S$3,000 to S$6,000*.

2. If you buy an IP rider between 27 November 2025 and 31 March 2026 (both 
dates inclusive) 
Your rider will be updated in accordance with MOH guidelines, no later than their first renewal from 1 April 2028.

3. If you buy an IP rider before 27 Nov 2025: 
You will continue to enjoy the current benefits under their existing AIA Max VitalHealth rider. Any changes affecting their coverage will be informed at least 31 days prior to the change taking effect.

4. Insurers will support policyholders who intend to switch to new riders in 2026 can do so without additional underwriting.

Summary TL;DR

CNA: IP to change in April 2026

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Madam Tay (72)

AIA Centurion Club

1. Will there be a reduction in premium since the benefits are reduced?
There has been no announcements on this yet. This will potentially affecting policyholders who bought their IP riders after 27 November 2025.

2. What will happen to my existing rider and benefits?
If you buy an IP rider before 27 Nov 2025: You will continue to enjoy the current benefits under their existing AIA Max VitalHealth rider. Any changes affecting their coverage will be informed at least 31 days prior to the change taking effect.

3. Are the new benefits better?
This will depend on your perspective. By removing deductible and increasing percentage of copayment, you will have to prepare a rainy day fund (which can also be paid by medisave up to their respective limits). 

Common Questions I'm Getting

CNA: FAQ

AIA Prestige Club

Chengkok is an excellent advisor. Really appreciate his sincerity in explaining how to manage money to me. Special thanks for introducing me to AIA Vitality

Chloe Lin (Full Time Investor)

International Dragon Award

Find Out More About How I Can Help

Chengkok is very structured and offers a very clear  framework for people to follow when learning to manage personal finances. I am very glad that he took CPF into consideration when planning for retirement and offering another perspective altogether.

Grace Kong (Mother/Educator)

Top Rookie (Precepts Group 2024)

As an Executive Personal Wealth manager, I help families preserve and grow their wealth so it can be passed on meaningfully to future generations. With a strong foundation in financial planning, I design strategies that make money work harder, enabling families to retire earlier and with confidence.

I believe wealth planning is not just about numbers, but about creating clarity, security, and peace of mind for the people we love most. My clients value foresight, discipline, and a practical approach — and in return, they can expect straight-talking advice, clear strategies, and trusted guidance tailored to their goals.

Over the years, I have been honoured with multiple industry achievements, including six-time Million Dollar Round Table and the prestigious International Dragon Award. These reflect my commitment to excellence and the families I serve, helping them build a future that is both financially strong and enduring.

About Me

Most financial advisers talk about growing wealth. I focus on what happens after.
My work goes beyond investments — I help families retire early and set up a legal framework so their wealth is preserved, protected, and passed on smoothly. No confusion, no disputes, no unnecessary costs.
It’s not just about returns, it’s about keeping the wealth within the family — for generations.

What Makes Me Different

ChengKok is one of the most humble, genuine and passionate financial consultant I've met (and also a huge foodie too). He's always generous in hearing your concerns and sharing his knowledge on how to manage your finances properly.
He's definitely someone that will be there for you always throughout different stages of your life.

Tiffany Kang (Manager)

6X Million Dollar Round Table

The Straits Times: Changing of riders possible without underwriting

I’ve seen families lose wealth, not because they didn’t have enough, but because there wasn’t a proper plan in place.

That’s why I do what I do — to make sure families who worked hard for their money don’t see it slip away through poor planning, legal gaps, or disputes.

Helping people retire early and leave behind more than enough isn’t just my career, it’s my way of being of service to families like ours.

Why I Do What I Do

CK is able to make complicated concepts simple. I was able to understand that financial planning is not an expense but an investment. In the consultation, I was able to understand why it is important and it made me feel that I should have done this way earlier. 

Kai (Business Owner)

Thinking about wills, estate planning, early retirement can feel overwhelming, CK goes step by step and helped us plan our estate. We finally feel confident our children won’t face issues

Darren (Army Officer)

I help my clients using the framework of the 3 concrete pillars 
1. Retirement Strategy & Cash Flow Planning
2. Estate & Legal Framework Setup
3. Wealth Transfer & Legacy Structuring

The bottom are some of the tools that I provide for families like you. 

1. Investment Portfolio Creation
2. Wealth Accumulation
3. Retirement Income
4. Legacy Planning
5. Wealth Preservation
6. Estate Planning
7. Trust Planning
8. Will Writing
9. Comprehensive Financial Health Review
10. Mental Incapacity Provision

My Value Add

I typically work with families in Singapore who:

1. Own private property/properties and have liquid assets above $250,000
2. Want a clear plan to retire early without compromising their current lifestyle
3. Care deeply about providing for their children and ageing parents
4. Value a structured, proven approach to preserving wealth across generations

If this sounds like you, we’re likely a good fit.

Who I Work With

Client Stories

Awards and Recognition

Book A Call Today

Updates to IP Plans 26 Nov 2025

Quick Reads

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