Cookies Policy

Last updated: 22 September 2026

What cookies and similar technologies are

Cookies are small text files placed on your device when you visit our website. They allow the site to remember actions and preferences over time. Similar technologies include web beacons, pixels and local storage that can store or access information on your browser or device. On an insurance health website these files may record details such as the type of cover you viewed, your location within Singapore or the pages you browsed before requesting a quote. The information stored can include unique identifiers, session data, preferences and in some cases limited personal details if you have entered them during your visit.

Why the site uses them

We use these technologies to operate the website securely, to remember choices such as preferred language or region, to measure how visitors interact with health insurance content, and to deliver relevant information about policies. Without them many core functions such as logging into an account or completing an online application would not work. Analytics tools help us understand which articles on our blog attract the most attention so we can improve coverage of topics like critical illness plans or maternity benefits.

Strictly necessary, functional, analytics, advertising and social-media categories

Strictly necessary cookies enable basic site functions including security, load balancing and form submission. Functional cookies remember user selections such as font size or remembered login details. Analytics or performance cookies collect aggregated statistics on page views and navigation paths. Advertising or targeting cookies may be used to limit the number of times a promotional banner for health riders is shown. Social-media cookies allow sharing of blog posts but are only activated if you choose to use those features. Each category serves a distinct purpose and is explained further in later sections.

First-party versus third-party cookies

First-party cookies are set directly by storyflowxe.com and stay within our domain. They handle essential tasks such as maintaining your session while you compare health plans. Third-party cookies are placed by external providers for analytics, advertising or content delivery. Examples include measurement services that track how many visitors reach our contact form or providers that serve compliant banners about new wellness riders. Both types are listed in the table below with their respective providers and purposes.

Session versus persistent cookies and retention periods

Session cookies exist only while your browser is open and are deleted when you close it. They are commonly used for shopping-cart style quote builders. Persistent cookies remain on your device for a defined period or until manually deleted. Typical durations range from thirty days for preference settings to twenty-four months for aggregated analytics identifiers. Retention is limited to the minimum period necessary for the stated purpose and is reviewed regularly in line with Singapore data protection expectations.

Data handled and purpose of each category

Necessary cookies may process IP address, browser type and session token to prevent fraud during premium payments. Functional cookies store language preference and last-visited product page so returning visitors see relevant health-plan comparisons. Analytics cookies capture page views, time on site and referring blog posts to improve content about chronic-disease management. Advertising cookies record interactions with banners promoting dental add-ons so we can avoid showing the same message repeatedly. All processing is proportionate to the legitimate operation of an insurance health platform and any personal data collected is handled under the Personal Data Protection Act.

Consent or exemption basis under Singapore law

Under the Personal Data Protection Act, consent is required when cookies collect, use or disclose personal data. Strictly necessary cookies are exempt from consent because they are essential for the service you requested. Functional, analytics and advertising cookies require your consent, which is obtained through the site-wide cookie banner. You may withdraw consent at any time without affecting the lawfulness of processing already carried out. Where cookies do not process personal data, they operate under a legitimate-interests basis balanced against your reasonable expectations.

Cookie or provider table

PHPSESSID – session maintenance – storyflowxe.com – strictly necessary – deleted on browser close
pref_lang – language and region preference – storyflowxe.com – functional – 365 days
_ga – visitor statistics – Google Analytics – analytics – 24 months
_gid – visitor statistics – Google Analytics – analytics – 24 hours
ad_bid – frequency capping for health-plan banners – third-party advertising partner – advertising – 90 days
fbp – share button functionality – Meta – social media – 90 days

How the consent manager works and how users can reject, change or withdraw choices

The cookie banner appears on first visit and allows you to accept all categories, reject non-essential categories or access detailed settings. Your selections are stored for twelve months. To change preferences later, return to the footer link labelled cookie settings. Withdrawing consent will stop future collection by those categories while previously collected data continues to be governed by our Privacy Policy.

Browser-level controls and functional consequences

Most browsers allow you to block or delete cookies through settings menus. Blocking necessary cookies will prevent login, quote submission and secure checkout on our health-insurance platform. Blocking analytics cookies reduces our ability to improve blog content but does not stop core site functions. Disabling all cookies may cause repeated consent prompts and loss of saved preferences.

International transfers and cross-reference to the Privacy Policy

Some analytics and advertising providers process data outside Singapore. Appropriate safeguards such as contractual clauses are in place. For full details on data handling, international transfers and your rights please refer to the Privacy Policy available on this website.

Policy changes, contact route and last-updated date

We may update this Cookies Policy to reflect changes in technology or regulation. The current version is always posted on this page with the date of the most recent revision. If you have questions about our use of cookies please use the contact form on our Contacts page or write to [email protected], 1 Finlayson Green, Singapore 049246 or call 1800 248 8000. We will respond within a reasonable timeframe consistent with Singapore regulatory expectations.