<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">

  <!-- Homepage -->
  <url>
    <loc>https://www.anda.com.sg/</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>1.0</priority>
  </url>

  <!-- Personal Insurance -->
  <url>
    <loc>https://www.anda.com.sg/personal-insurance/maid-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/personal-insurance/travel-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/personal-insurance/personal-accident-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/personal-insurance/home-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Foreign Worker Insurance -->
  <url>
    <loc>https://www.anda.com.sg/foreign-worker-insurance/foreign-worker-bond</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/foreign-worker-insurance/foreign-worker-medical-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Motor Insurance -->
  <url>
    <loc>https://www.anda.com.sg/motor-insurance/motorcycle-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/motor-insurance/car-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Commercial Insurance -->
  <url>
    <loc>https://www.anda.com.sg/commercial-insurance/work-injury-compensation-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/commercial-insurance/public-liability-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/commercial-insurance/fire-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/commercial-insurance/marine-insurance</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.8</priority>
  </url>

  <!-- Key pages -->
  <url>
    <loc>https://www.anda.com.sg/claims</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/articles</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>weekly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/contact-us</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.7</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/careers</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
  </url>

  <!-- Articles -->
  <url>
    <loc>https://www.anda.com.sg/article/2/mandatory-foreign-worker-medical-insurance-requirements-for-work-permit-holders</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/article/3/why-maid-insurance-is-required-mom-guidelines-explained</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/article/4/what-is-motorcycle-insurance-a-complete-beginners-guide</loc>
    <lastmod>2026-06-05</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.6</priority>
  </url>

  <!-- Legal -->
  <url>
    <loc>https://www.anda.com.sg/terms-of-business</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>
  <url>
    <loc>https://www.anda.com.sg/privacy-policy</loc>
    <lastmod>2026-07-10</lastmod>
    <changefreq>yearly</changefreq>
    <priority>0.3</priority>
  </url>

</urlset>
