Advisory Council

We support and strategies to bring Refresh to a higher level

Margaret Ferte



Orix Insurance

About Orix Insurance

Founded in 2007 with offices in Singapore, Beijing, Shanghai and Hong Kong, Orix Insurance is an insurance intermediary focusing on small and medium-sized companies. We aim at offering our clients tailor-made insurance solutions with the simplest process. As entrepreneurs ourselves, we understand our clients’ needs as well as their business environment in Asia, bringing cross border solutions whenever it is needed. More important, we are passionate about bringing together technology and expertise to serve the best interest of our clients.

Dr Sean Leo


Orthopaedic Surgeon, Singapore (Knee and Lower Limb Surgery, Sports Surgery)

Dr Sean Leo is a former SAF Medical Scholarship recipient and served as CO of the Medical Classification Centre at CMPB. After retiring from active military service in 2012, Dr Leo joined Changi General Hospital where he was the Director of Hip and Knee Service.  He subsequently went into private practice at Mt Elizabeth Novena Hospital. As an orthopaedic surgeon, Dr Leo is specialized in knee and lower limb surgery with a focus on sport injuries, rehabilitation and performance. 

Dr. Yan You Ping



Traditional Chinese Medication (TCM)

Dr. Yan graduated from Hunan University of Traditional Chinese Medicine with a Diploma in TCM 

Practicing in Singapore since 1993

She has accumulated more than 2 decades of experience in TCM while working in Hunan Shanghai and Singapore

As a registered TCM Physician and Acupuncturist in Singapore

wide experience in clinical practice and applies her TCM skills to her treatments not only based on the symptoms of the illnesses but also customized according to the climatic and environmental characteristics of the country.


Physician Yan is good at

1. Rheumatism, Migraine, Digestive Disorder, Eczema, Gynecological Diseases

2. Gynecological Diseases, Pain and Weight Management

Major Partners