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HONG KONG SAR – Media OutReach Newswire – 19 August 2026 – Adding travel insurance when booking a flight is a common practice among many Hong Kong travellers. However, the latest test by 10Life’s Research and Data Analytics team found that the same coverage may not always come at the same price.

Using the profile of one Hong Kong adult traveller, 10Life compared airline embedded travel insurance for a 14-day Hong Kong to New York trip across two departure dates and three economy fare classes, covering six scenarios in total. Each scenario involved the same travel insurance plan, coverage level, coverage details and benefit limits. Despite this, premiums ranged from HK$859 to HK$1,153, with the highest quote 34% higher than the lowest.

Table 1: Six quotes for the same travel insurance plan for a 14-day Hong Kong to New York trip, ranked by premium

Note: The premium difference is calculated against the lowest premium among the six tested scenarios, at HK$859. Test conditions: one adult traveller, single return trip, destination New York (John F. Kennedy International Airport), 14-day trip. Test and data update date: 6 August 2026. All amounts are in Hong Kong dollars. Premium amounts and percentages are calculated based on the relevant premiums and rounded to the nearest whole number. Premiums and quotes may change from time to time. Actual prices should be based on the relevant page shown at the time of purchase or booking.

1. Premiums appear to move with airfare, rather than being priced solely by coverage
Across the six tested scenarios, higher airfares were consistently associated with higher add-on travel insurance premiums. 10Life’s analysis found an almost linear relationship between airfare and premium: for every HK$1,000 increase in airfare, the add-on travel insurance premium rose by around HK$22.

Travel insurance premiums should generally be priced according to factors such as trip duration, destination, traveller age and coverage details, as these are the factors that typically determine risk. For the same departure date, destination and trip duration, the likelihood of an accident or medical claim should not increase simply because the airfare is higher.

It is also worth noting that higher fare classes usually offer more flexible change, cancellation or refund arrangements, which could theoretically reduce part of the trip cancellation risk. However, in the test, premiums for higher fare classes increased instead of decreasing. During the booking process, consumers may not easily notice these fluctuations in the travel insurance premium.

2. Other purchase channels did not show similar price fluctuations, with premiums up to 77% lower
10Life also reviewed two travel insurance products in the market offering similar coverage, referred to here as Product A and Product B. The findings showed that, whether purchased directly through an insurer’s website or via an insurance comparison platform, premiums were generally calculated based on trip details, such as destination, trip duration and traveller age. They did not appear to vary according to airfare.

Table 2: Premium comparison across different purchase channels for a 14-day Hong Kong to New York trip

Note: Quotes for products purchased directly through insurer websites and insurance comparison platforms were based on travel insurance products with similar coverage. Product names, quote sources and key benefit limits are set out in the appendix. Test conditions are the same as Table 1. All amounts are in Hong Kong dollars and rounded to the nearest whole number. Coverage scope, benefit limits, claim conditions and exclusions may vary between products. Consumers should read the policy terms carefully before purchasing. Product A refers to MSIG iTravel Go Plan B; Product B refers to HSBC TravelSurance Worldwide Basic Plan. Quotes from the insurance comparison platform were obtained from the 10Life platform.

The airline booking page’s highest quote was HK$1,153, while Product A, which offers similar coverage, was quoted at HK$287 on the insurer’s website and HK$262 through an insurance comparison platform — approximately 75% and 77% lower respectively. Even compared with the airline booking page’s lowest quote of HK$859, Product A was still approximately 67% and 70% lower through the two channels.

Product B showed a similar trend. It was quoted at HK$553 on the insurer’s website and HK$442 through an insurance comparison platform, which were approximately 52% and 62% lower than the airline booking page’s highest quote, and approximately 36% and 49% lower than its lowest quote. Unlike the airline booking page, quotes from insurer websites and comparison platforms did not appear to vary according to airfare, suggesting that the convenience of one-click add-on may come at a higher cost.

3. 10Life view: Convenience should not come at the expense of pricing transparency
Airlines have increasingly separated flight-related charges, with services such as seat selection, baggage and ticket changes priced individually. Consumers can usually understand these differences because the service itself varies.

Dexter Ng, Head of Research and Data Analytics at 10Life, said: “Consumers generally understand why seat selection or baggage fees may differ, because the service itself is different. But if it is the same travel insurance plan, with the same coverage and the same benefit limits, the premium should not rise simply because the airfare is higher. In our test, the same coverage rose from HK$859 to HK$1,153 across different booking scenarios, a difference of nearly HK$300. From a consumer perspective, pricing the same insurance coverage based on airfare is difficult to justify.”

10Life believes that when the same insurance plan is priced differently across fares or booking scenarios without a clear explanation, consumers may find it difficult to judge whether the premium is reasonable. This lack of transparency is unfair to consumers. The key question is simple: should travel insurance premiums be based on the coverage provided, or on the price of the flight ticket?

4. Three travel insurance tips from 10Life

1. Compare other purchase channels before adding travel insurance
   Before confirming a one-click travel insurance add-on, consumers can take 30 seconds to open another tab and check similar products on insurer websites or insurance comparison platforms. Consumers may find plans with similar, or even better, coverage at a lower premium. In 10Life’s test, the premium difference could amount to several hundred Hong Kong dollars.
2. A higher premium does not necessarily mean better coverage
   When choosing a plan, consumers should compare key benefit limits, including medical expenses, trip cancellation, baggage and personal accident coverage. They should also read the claim conditions and exclusions carefully.
3. A higher airfare does not necessarily mean more expensive travel insurance is needed
   Trip cancellation cover is usually subject to a fixed benefit limit, meaning a higher airfare does not automatically result in a higher payout. Consumers should compare the actual benefit limit against their ticket cost, and review exclusions carefully, especially if the trip involves family travel, self-driving, diving, skiing, cruise holidays or other activities that may be subject to specific conditions.

Travellers who are unsure how to choose travel insurance may use the Travel Insurance Recommendation Tool for an initial comparison. By answering a few questions, the system can help match suitable travel insurance products based on destination, trip type and potential risks. Travellers may also use an insurance comparison platform to compare premiums, coverage scope, claim conditions and key terms across different products, helping them understand the coverage clearly before purchasing.

Travel insurance comparison: https://www.10life.com/en/products/travel
Travel insurance recommendation tool: https://www.10life.com/en/products/travel/recommend

About the Study
This test used the profile of one Hong Kong adult traveller and compared the same travel insurance plan recommended on the booking page of the same airline. Using a 14-day Hong Kong to New York trip as an example, the test covered two departure dates and three economy fare classes, resulting in six scenarios in total. All quotes were obtained based on one adult traveller taking a single return trip. 10Life did not test all airlines in the market. The results reflect only the airline, route and scenarios tested. Full data is available from 10Life upon request.

Reference Materials

Appendix 1: Comparison of key travel insurance benefit limits

Note: The above table sets out only the maximum benefit limits for selected key coverage items and does not represent the full coverage of each product. Coverage scope, claim conditions, exclusions, item sub-limits and compensation calculation methods may vary between products. Consumers should read the policy terms carefully before purchasing. Benefits such as travel delay and baggage delay may be subject to delay duration, per-incident limits or specific claim conditions, and may not be directly comparable based solely on the total benefit limit. All amounts are in Hong Kong dollars. The information was compiled based on publicly available product information and test results. Data update date: 6 August 2026. Actual coverage, premiums and final underwriting results should be subject to the information shown on the purchase page, the relevant policy terms and the insurer’s final approval.

Notes

1. Test conditions: one adult traveller, single return journey, destination New York, John F. Kennedy International Airport, with a trip duration of 14 days. The test covered two departure dates and three economy fare classes, resulting in six scenarios in total.
2. Data from the airline booking page test was collected and updated on 6 August 2026. Comparison data for products purchased directly through insurer websites and insurance comparison platforms was also collected on 6 August 2026.
3. Airline travel insurance premiums and plan information were obtained from tests conducted on the airline booking page. The airfare referenced in this release includes fuel surcharges, taxes and other charges.
4. The comparison products purchased directly through insurer websites and insurance comparison platforms. Product A refers to MSIG iTravel Go Plan B; Product B refers to HSBC TravelSurance Worldwide Basic Plan. Quotes from the insurance comparison platform were obtained from the 10Life platform.
5. All amounts are in Hong Kong dollars. Premium amounts and percentages are calculated based on the relevant premiums and rounded to the nearest whole number.
6. The comparison was made based on products with similar coverage. However, coverage scope, benefit limits, claim conditions and exclusions may vary between products. Consumers should read the policy terms carefully before purchasing.
7. The premiums, discounts and quoted prices above may change from time to time and may vary depending on purchase time, purchase channel, trip details and policy terms. Actual prices and final coverage should be subject to the information shown on the purchase and booking pages, the relevant insurer’s published information and final approval.
8. This study was conducted by 10Life’s Research and Data Analytics team.

Hashtag: #10Life

The issuer is solely responsible for the content of this announcement.

About 10Life

10Life is a one-stop insurance comparison platform committed to bringing fair insurance to life. Founded by insurance professionals, 10Life combines technology with a human-centered approach to bring fair products, fair sales and fair claims to Hong Kong.

10Life pioneered insurance product ratings, enabling consumers to compare premiums, coverage scope, key terms and actuarial ratings across different insurance products, and purchase selected plans online according to their needs. The 10Life team also includes insurance advisers who provide professional advice based on customer needs, while independent claims specialists focus on claims support, helping policyholders obtain fair compensation.

10Life’s services cover insurance comparison, purchase and claims support, with the goal of helping consumers “buy right insurance and get fair payout”.

For more information about 10Life, or to compare different types of insurance, please visit: 10life.com

Organized by Enterprise Asia, the ceremony was held on 7 August 2026 at Jing An Shangri-La, Shanghai. This year’s recipients exemplified how strategic vision, innovation, and a commitment to positive impact can create lasting value for businesses, communities, and the wider economy.

Following a comprehensive evaluation by a distinguished panel of judges, over 150 nominees were assessed across ten AREA categories and five APEA categories. The AREA celebrated enterprises and leaders who have made significant contributions through responsible business practices and sustainability-driven initiatives. Meanwhile, the APEA recognized organizations and entrepreneurs who have demonstrated exceptional performance, strategic agility, and forward-thinking leadership in shaping the future of business.

In his welcome address, Enterprise Asia President Richard Tsang highlighted the need for enterprises to embrace transformation and responsible growth, noting that resilience, strategic foresight, and purpose-driven leadership remain key to achieving long-term success in an increasingly dynamic global landscape.

Among the outstanding AREA award recipients, Chery Automobile Co., Ltd. was recognized under the Green Leadership category for its Trusted Circular Materials system. By developing advanced recycling networks, digital traceability, and high-value recycled plastics, Chery has recovered over 10,000 tonnes of waste plastics, reduced approximately 9,000 tonnes of CO₂e emissions, and advanced sustainable automotive manufacturing.

Further advancing circular economy practices, SUS ENVIRONMENT won the Circular Economy Leadership award for its City-Benefiting Low-Carbon Solid Waste Management Model, demonstrated through the Xi’an Gaoling Project. By integrating waste-to-energy, district heating, AI-powered operations, and multi-source waste co-processing, the project has processed 5.34 million tonnes of waste, generated 2.24 billion kWh of green electricity, and achieved over 1.92 million tonnes of carbon reductions.

China Hongqiao Group Limited, a three-time consecutive AREA award recipient, has once again received the award under the Circular Economy Leadership category for advancing circular economy development through recycled aluminum. Its closed-loop circular economy model enables recycled aluminum to save approximately 95% of energy and reduce carbon emissions by over 85% compared with traditional electrolytic aluminum.

Honored with the AREA under the Corporate Governance category, E.SUN Bank (China) has embedded transparency and accountability throughout its operations. The bank implemented comprehensive Board meeting records three years ahead of regulatory requirements while strengthening stakeholder disclosure, maintaining a Moody’s Baa1 rating since 2022 and customer satisfaction above 97%.

Demonstrating the power of industry-wide collaboration, The Hong Kong Association of Banks received the AREA under the Social Empowerment category for its Anti-Fraud Education initiative. The initiative reached more than 11,000 people in 2025 and has contributed to strengthen its community outreach, with over 300 activities conducted across Hong Kong to date. According to figures released by the Hong Kong SAR Government, reported deception cases decreased by 2.9% in 2025 compared with 2024, marking the first decline after nine consecutive years of growth.

Bank of China (Hong Kong) Limited was honored with three prestigious awards at the AREA — the Social Empowerment Award, Investment in People Award and Corporate Sustainability Reporting Award, recognizing its exceptional and impactful sustainability practices. The Bank exemplifies a strong commitment to corporate social responsibility through a diverse range of initiatives that promote social inclusion, nurture talent development, and continuously enhance ESG disclosure. These accomplishments highlight its leadership in advancing responsible business practices and establish a new benchmark for excellence within the financial sector.

Techtronic Industries (TTI), a world leader in cordless technology, was awarded two AREA accolades, receiving recognition under the Circular Economy Leadership and Social Empowerment categories. Through its award-winning initiatives, “Advancing Circularity Through Sustainable Product Innovation” and “Empowering Exceptional People and Strengthening Communities” , TTI is creating lasting social impact while accelerating the transition towards a more circular and sustainable future.

As the sole recipient of both the APEA and AREA in 2026, OrbusNeich Medical Group Holdings Limited was recognized under the Corporate Excellence and Health Promotion categories respectively. Operating in more than 70 countries and regions, the Group continues to drive innovation in interventional medical devices while advancing regional clinical capabilities through its cross-border medical education initiative, ultimately improving patient outcomes across Asia-Pacific.

In the APEA segment, Onewo Inc. was honoured under the Corporate Excellence category for redefining space services through technology-driven innovation. Powered by its proprietary “Link X” AI platform, the company manages over 5,300 residential and 3,400 property and facility management projects nationwide,driving the space service industry toward a smarter and more sustainable future.

The AREA and APEA 2025 China Chapter are co-organized by Enterprise Accelerator Co., Ltd. and proudly supported by Eruid (Shanghai) Inspection & Certification Co., Ltd., MayCham China in Shanghai, SingCham Shanghai, Strategic Public Relations Group (SPRG), The Hong Kong Institute of Directors, and Tang Cultural Media. PR Newswire is the official news release distribution partner, with Dailywire.asia as the official media partner and Osin Au Pty Ltd as the official beverage sponsor.

About Asia Responsible Enterprise Awards (AREA)
The Asia Responsible Enterprise Awards program recognizes and honors Asian businesses for championing sustainable and responsible entrepreneurship in the categories of Green Leadership, Investment in People, Health Promotion, Social Empowerment, Corporate Governance, Circular Economy Leadership, Corporate Sustainability Reporting, and Responsible Business Leadership. For more information, visit: https://enterpriseasia.org/area/.

About Asia Pacific Enterprise Awards
Launched in 2007, the Asia Pacific Enterprise Awards is the region’s most prestigious award for outstanding entrepreneurship, continuous innovation, and sustainable leadership. The Award provides a platform for companies and governments to recognize entrepreneurial excellence, hence spurring greater innovation, fair business practices, and growth in entrepreneurship. As a regional award, it groups leading entrepreneurs as a powerful voice for entrepreneurship and serves as a by-invitation-only networking powerhouse. The program has grown to encompass 16 countries/ regions and markets all over Asia. For further information, please visit www.apea.asia.
Hashtag: #Business #Sustainability #ESG

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The issuer is solely responsible for the content of this announcement.

About Enterprise Asia

Enterprise Asia is a non-governmental organization in pursuit of creating an Asia that is rich in entrepreneurship as an engine toward sustainable and progressive economic and social development within a world of economic equality. Its two pillars of existence are investment in people and responsible entrepreneurship. Enterprise Asia works with governments, NGOs and other organizations to promote competitiveness and entrepreneurial development, in uplifting the economic status of people across Asia and in ensuring a legacy of hope, innovation and courage for the future generation. Please visit https://www.enterpriseasia.org/ for more information.

Partnering for better care: Mount Elizabeth Royal Square day surgery centre becomes the first IHH Healthcare facility to join Prudential’s PRUPanel Connect network

SINGAPORE– Media OutReach Newswire – 17 August 2026 – Mount Elizabeth Royal Square, a private day surgery centre, has been added to Prudential Singapore’s (“Prudential”) PRUPanel Connect panel network with effect from 1 August 2026. The empanelment was commemorated at a signing ceremony between Parkway Hospitals Singapore Pte. Ltd. and Prudential.

PRUShield Integrated Shield plan policyholders with eligible PRUExtra riders can now seek treatment at Mount Elizabeth Royal Square where they will have access to participating specialists and enjoy panel benefits.

Mount Elizabeth Royal Square is the first facility under IHH Healthcare Singapore to be included in the PRUPanel Connect network.

Dr Peter Chow, Chief Executive Officer, IHH Healthcare Singapore, said: “We are pleased to partner Prudential to bring Mount Elizabeth Royal Square into the PRUPanel Connect network. This collaboration reflects our shared commitment to improving access to quality private healthcare, while giving eligible patients greater assurance and convenience when they require day surgery or endoscopy care.”

Chan San San, Chief Executive Officer, Prudential Singapore, said: “At Prudential, we want to make it easier for customers to navigate their healthcare journey with confidence. By adding Mount Elizabeth Royal Square to PRUPanel Connect, we are strengthening our panel ecosystem and giving PRUShield Extra customers more options for specialist day surgery care, supported by the benefits and assurance of our panel network.”

Opened in 2025, Mount Elizabeth Royal Square is a day surgery and endoscopy centre offering hospital-equivalent safety standards, shorter waiting times, dedicated procedure slots, and a seamless patient experience. The centre also provides bedside ultrasound services, a dedicated patient lounge, and is conveniently located right next to Mount Elizabeth Novena Hospital.

Through PRUPanel Connect, eligible Prudential customers have access to value-added services when they seek treatment with participating specialists at panel healthcare institutions. These services are available to customers holding eligible PRUExtra policies, including PRUExtra Premier Care, PRUExtra Preferred Care, PRUExtra Premier, PRUExtra Premier CoPay and PRUExtra Preferred CoPay. Customers may enjoy benefits such as cashless admission with an electronic Letter of Guarantee of up to S$15,000, subject to eligibility, as well as keep renewable premiums stable for panel-approved claims.

Notes:

• PRUPanel Connect – PRUPanel Connect | Prudential Singapore
• PRUShield – PRUShield – Health Insurance Plan | Prudential Singapore

Hashtag: #PrudentialSingapore

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About IHH Healthcare Singapore

IHH Healthcare Singapore (IHH SG) is part of IHH Healthcare, a world leader in integrated care with a presence in 10 markets across the world. As Singapore’s largest private healthcare provider, IHH SG operates an integrated network of four multi-award-winning acute hospitals – Gleneagles Hospital, Mount Elizabeth Hospital, Mount Elizabeth Novena Hospital and Parkway East Hospital – where more than 1,800 accredited specialists provide quality multi-disciplinary specialist care.

IHH SG’s network extends beyond acute and tertiary care to primary, specialty care and ancillary services. Its Parkway brand includes the Parkway Shenton network of over 50 clinics island-wide, and iXchange, its managed care and employee benefits arm. Together with Parkway Cancer Centre, Parkway MediCentre, Parkway Radiology, Parkway Laboratories, Parkway Rehab and Parkway Emergency Services, IHH SG’s comprehensive range of services underpins its position as the country’s most trusted healthcare provider, known for providing quality medical care and clinical outcomes in Singapore and around the region.

For more information, visit https://www.ihhhealthcare.com/singapore/.

About Prudential Assurance Company Singapore (Pte) Ltd (Prudential Singapore)

Prudential Assurance Company Singapore (Pte) Ltd is one of the top life and health insurance companies in Singapore, serving the financial and protection needs of the country’s citizens for 95 years. As at 31 December 2025, it has S$66.3 billion funds under management. The company has an ‘AA’ Financial Strength Rating from leading credit rating agency Standard & Poor’s and delivers a suite of well-rounded product offerings in Protection, Savings and Investment through multiple distribution channels including a network of 5,400 financial representatives.

For more information, visit https://www.prudential.com.sg

Amaris B. Clinic’s first-half 2026 enquiry figures show arm-related concerns accounted for 41.4% of all body-sculpting enquiries from women, with nearly half of those enquiries coming from women in their 40s. Medical director, Dr Ivan Puah links the trend to perimenopause, slowing metabolism and lifestyle pressures specific to Singapore.

SINGAPORE– Media OutReach Newswire – 17 August 2026 – Arm fat has become the single most common concern driving women to seek body-sculpting consultations in Singapore this year, according to internal enquiry data from Amaris B. Clinic, whose medical director, Dr Ivan Puah, is an MOH-accredited liposuction doctor.

Between January and June 2026, the clinic logged 406 face- and body-sculpting enquiries from women, of which 168 (41.4%) cited arm concerns, more than any other body area. Thirty-one women enquired about more than one area, so individual counts do not sum to the total.

The pattern is one Dr Puah says he sees consistently in practice: Arm fat that resists diet and exercise and that many patients report noticing as they enter their 40s.

Nearly Half of Arm-Concern Enquiries Come From Women in Their 40s

Among women who wrote in specifically about arm concerns, enquiries were heavily concentrated in mid-adulthood, an age range that overlaps with perimenopause for many women:

Full Breakdown

Nearly half of all arm-related enquiries came from women aged 40 to 49, an age range that overlaps with perimenopause for many women.

Why Arm Fat Is Difficult to Shift

Women naturally carry 6 to 11 percentage points more body fat than men, a difference tied to reproductive physiology. Genetics also influence where fat is stored, and some women are predisposed to carrying it in the upper arms, a distribution pattern that responds poorly to exercise alone.

Patients describe the concern in different ways, including upper-arm fat, “bingo wings” or “bat wings” (a combination of loose skin and fat that moves with the arm), and chafing where the arm rubs against the body.

Dr Puah points to two overlapping life stages as the main physiological drivers:

“Perimenopause and menopause are the two life stages we most consistently see linked to arm fat in the clinic. As women approach these stages, metabolism slows, and that shift tends to show up first in areas like the arms and underarms. It’s most noticeable in women with an apple-shaped body distribution,” said Dr Puah.

Hormonal changes associated with ageing, often compounded by stress or poor sleep, can make the body more prone to storing fat and losing lean muscle mass. Skin also loses elasticity with age, which Dr Puah says contributes to the looser, softer contour some patients describe.

Climate, Fashion and Workplace Culture Add Visibility

Singapore’s climate means sleeveless and short-sleeved clothing is worn year-round, keeping arms visible for most of the year. Dr Puah says this, combined with grooming expectations in client-facing and corporate roles, contributes to why arm concerns generate more enquiries in Singapore than they might in cooler markets.

“In Singapore’s climate, women are more conscious of how their arms look in everyday clothing, and arm sculpting is consistently among the most common requests we receive for this concern,” said Dr Puah, who chairs Singapore’s Lipo Peer Review Committee.

Not All Arm Fullness Is the Same, Clinic Says

Dr Puah cautions that upper-arm fullness is not uniform from patient to patient. For some women it is predominantly fat. For others, it is a combination of fat and skin laxity, with genetics, hormonal changes and age all shaping the tissue involved.

“Many women are surprised to learn that arm fat is often genetically predetermined and resistant to exercise. A proper evaluation helps clarify what’s driving the concern and sets realistic expectations for what can be achieved. The rise in enquiries reflects growing awareness that stubborn arm fat is a physiological issue, not a failure of willpower or fitness,” said Dr Puah.

The clinic’s data points to a broader shift: arm concerns are no longer a secondary consideration for patients but a leading driver of body sculpting consultations among women in Singapore, particularly during the perimenopausal transition.

Note on methodology: Figures are drawn from self-reported enquiry records logged by Amaris B. Clinic between 1 January and 30 June 2026 and reflect enquiries at this clinic only; they are not a population-representative survey of Singapore women.
Hashtag: #MedicalAesthetics

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ABOUT AMARIS B. CLINIC

Founded in 2004 and led by Dr Ivan Puah, Amaris B. Clinic is a Singapore-based medical aesthetics and cosmetic surgery practice. Its services span facial and body sculpting, including liposuction, gynecomastia surgery, and fat grafting, alongside non-surgical treatments such as Ultherapy Prime, biostimulator injections, and hair loss therapy.

Amaris B. Clinic’s Signature Treatments

• Liposuction
• Lipedema Surgery
• Vaser Liposuction
• Gynecomastia Surgery
• Accessory Breast Removal
• Corrective Surgery
• Fat Grafting
• Sports Aesthetics

ABOUT DR IVAN PUAH

Dr Puah, an MOH-accredited liposuction doctor with extensive training in various cosmetic procedures, is committed to providing personalised care with an artful eye and proven medical techniques.

• Dedicated surgical training in gynecomastia surgery in San Francisco
• Chairman of the Lipo Peer Review Committee in Singapore
• Trained in Vaser liposuction (fundamental and hi-definition) in Colorado and Argentina
• Trained in syringe liposculpture, fat grafting, and thread lift from renowned French plastic surgeon, Dr Pierre Francois Fournier
• Appointed trainer by Allergan and Merz for fellow doctors on cosmetic injectables
• Designated trainer for PDO thread lift and Picolaser from Venusys Medical
• Graduate Diploma in Family Dermatology from NUS
• Graduate Diploma in Acupuncture from TCMB
• Graduate Diploma in Sports Medicine from LKCMedicine, NTU

Trump instructed Defence Secretary Pete Hegseth to scale down the annual Ulchi Freedom Shield exercises just hours before the drills were due to begin on Monday. The 11-day exercise, involving about 18,000 South Korean troops, nevertheless started as scheduled as military planners awaited details of how Washington intended to implement the presidential directive.

The decision marks a significant change in the handling of one of Washington’s most important security alliances in Asia. Trump described the exercises as costly and said they sent an unnecessarily hostile signal to North Korea, while stressing that he maintained a “very good relationship” with Kim.

Trump also connected the decision to wider tensions with Seoul over Iran. He said he had asked South Korea to join US efforts aimed at the “denuclearisation” of Iran but had received a negative response. His comments indicate that cooperation on security commitments in one region is increasingly being assessed alongside Washington’s expectations of allies in unrelated theatres.

Ulchi Freedom Shield is one of the two principal annual exercises conducted by US and South Korean forces. The drills combine computer simulations, command-post exercises and field training intended to test the allies’ ability to respond to threats from North Korea. Planned activities include precision targeting, manoeuvres, equipment deployment and exercises involving forces from several military services.

About 28,500 US military personnel are stationed in South Korea, where the American presence remains central to the deterrence strategy established after the 1950-53 Korean War. The conflict ended with an armistice rather than a peace treaty, leaving the two Koreas technically at war.

South Korean President Lee Jae Myung has simultaneously been pursuing a reduction in tensions with Pyongyang. A day before Trump announced the exercise cutback, Lee called for renewed dialogue with North Korea and proposed efforts to replace the armistice with a permanent peace arrangement. His government has sought engagement while maintaining the alliance with Washington and strengthening South Korea’s military capabilities.

The exercise opened against an increasingly complex regional security environment. North Korea resumed ballistic missile testing days before the drills, while its expanding military partnership with Russia has raised concern among US and South Korean defence officials. North Korean troops deployed in support of Russia’s war in Ukraine have gained combat experience involving drones, electronic warfare and modern battlefield tactics that could strengthen Pyongyang’s forces.

North Korea has long condemned large US-South Korean exercises as rehearsals for invasion. Washington and Seoul reject that characterisation and describe the training as defensive. The exercises have nevertheless repeatedly become a bargaining tool during periods of diplomacy with Pyongyang.

Trump followed a similar approach during his first presidency. After meeting Kim in Singapore in 2018, he unexpectedly announced the suspension of major military exercises, calling them expensive and provocative. Several large drills were later replaced with smaller or modified exercises as Washington sought to keep nuclear negotiations alive.

Those talks ultimately failed to produce an agreement. Trump and Kim met three times between 2018 and 2019, but negotiations stalled over differences concerning sanctions relief and the scope of North Korea’s nuclear disarmament. Trump has continued to express interest in renewing personal diplomacy since returning to the White House.

Kim has also left open a narrow possibility of renewed talks, while rejecting Washington’s longstanding demand for North Korea’s denuclearisation. Pyongyang has accelerated development of nuclear weapons and ballistic missiles and strengthened its strategic relationship with Moscow.

The reduction order has revived debate in Washington over military readiness. Critics argue that reducing combined exercises could weaken interoperability between US and South Korean forces at a time when North Korea’s military capabilities are becoming more sophisticated. Senator Mark Kelly, a Democrat and former US Navy pilot, described hollowing out the exercises as a mistake and warned against weakening preparedness.

Under the MOU, VinFast and Gowa Motor Group will establish a joint venture to develop VinFast’s dealership network across Indonesia, with a target of opening at least 30 showrooms and service centers.

The partnership reflects the two companies’ shared commitment to building a long-term strategic relationship in Indonesia’s growing electric vehicle market. By partnering with VinFast, Gowa Motor Group demonstrates its confidence in VinFast’s vision, capabilities, and the long-term potential of its electric mobility ecosystem.

The new network will serve as a key pillar of VinFast’s long-term growth strategy in Indonesia, offering VinFast’s electric vehicles alongside aftersales services, maintenance, and customer care that meet the company’s global standards. The partnership will contribute to VinFast’s broader plan to expand its dealership network in Indonesia. The company currently operates more than 40 showrooms nationwide and aims to add over 150 new showrooms in the coming years.

The agreement with Gowa Motor Group reinforces VinFast’s strategy of partnering with leading local companies to expand its distribution network, improve customer access to high-quality products and services, and support Indonesia’s transition toward greener transportation.

Gowa Motor Group is an established automotive group in Indonesia with extensive experience across multiple automotive brands and vehicle segments. Its operation spans automotive distribution, dealership operations, passenger vehicles, and commercial vehicles, supported by a broad network and strong understanding of the local market. With its automotive expertise, operational capabilities, and market knowledge, Gowa Motor Group is expected to become a strategic partner for VinFast in expanding its distribution network, enhancing the customer ownership experience, and accelerating the adoption of electric vehicles in Indonesia.

Mr. Antonio Zara, Chief Executive Officer of VinFast Southeast Asia, said: “Gowa Motor Group is an established automotive group in Indonesia with extensive experience across multiple automotive brands. We believe the combination of VinFast’s product development capabilities, advanced technologies, and comprehensive EV ecosystem with Gowa Motor Group’s local market expertise, automotive network, and operational experience will provide a strong foundation for expanding VinFast’s presence in Indonesia. More importantly, this partnership will enable us to deliver an increasingly convenient, comprehensive, and high-quality EV ownership experience for Indonesian customers.“

Mr. Sadikin Aksa, Commissioner of Gowa Motor, said: “We see tremendous potential in Indonesia’s electric vehicle market and strongly believe in VinFast’s long-term vision. Our partnership not only creates new business opportunities for both companies but also reflects our shared commitment to accelerating Indonesia’s green transition. Leveraging our experience across multiple automotive brands and our established network in Indonesia, Gowa Motor Group looks forward to working alongside VinFast to bring sustainable mobility solutions and high-quality services closer to consumers across the country.“

Indonesia is one of the key pillars of VinFast’s global growth strategy. Since entering the market, VinFast has rapidly expanded its product portfolio, commenced operations at its manufacturing facility in Subang, and built a comprehensive EV ecosystem through a growing network of strategic partners, including charging infrastructure developer V-Green, all-electric ride-hailing service GSM, financial institutions, banking partners, authorized service workshop partners, and dealerships nationwide. By combining manufacturing capabilities, a comprehensive EV ecosystem, and an expanding partner network, VinFast is steadily advancing toward its goal of becoming one of the leading electric vehicle brands in Indonesia and across Southeast Asia.

Hashtag: #VinFast

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About VinFast

VinFast (NASDAQ: VFS), a subsidiary of Vingroup JSC, one of Vietnam’s largest conglomerates, is a pure-play electric vehicle manufacturer with the mission of making EVs accessible to everyone. VinFast’s product lineup today includes a wide range of electric SUVs, e-scooters, e-bikes, and electric buses.

In Indonesia, VinFast is expanding its electric mobility ecosystem through a growing dealership and after-sales network, local partnerships, and its manufacturing facility in Subang, West Java, reinforcing its long-term commitment to the market.

Learn more at: https://vinfastauto.id

About Gowa Motor Group

Gowa Motor Group is an established automotive group in Indonesia with extensive experience in the automotive sector. The Group represents and operates across multiple automotive brands and vehicle segments, including passenger and commercial vehicles, supported by dealership, distribution, and customer service capabilities. With a broad network across Indonesia and a strong understanding of the local automotive market, Gowa Motor Group continues to build long-term partnerships and expand access to quality mobility products and services.