Apollo Munich Dengue Care Health Insurance Plan

Our first of a kind Dengue Care plan offers coverage for any medical expenses incurred on inpatient or outpatient treatment for dengue. You are not required to undergo any medicals at the time of taking the cover.

Eligibility:

·         This policy covers persons in the age group 91 days to 65 years. The maximum entry age is restricted up to 65 years. The Minimum entry age for Adult is 18 years and maximum is 65 years. The minimum entry age for child is 91 days and the maximum is 25 years.

·         No maximum cover ceasing age

·         An individual and/or his family members namely spouse, dependent children and parents are eligible for buying this cover.

·         This cover will be offered on individual Sum Insured basis only.

·         This is an annual policy.

·         The premium for the policy will remain the same for the policy period as mentioned in the policy schedule

·         A maximum of 6 members can be added in a single policy. A maximum of 4 adults and a maximum of 5 children can be included in a single policy.

Benefits	Sum Insured – Rs 50,000; 100,000
In-patient Treatment	Upto Sum Insured
Room Rent	Single Private A/c Room
Shared Accommodation Benefit	Covered
Pre-hospitalization	15 Days
Post-hospitalization	15 Days
Outpatient Treatment ·         Pharmacy ·         Diagnostic tests ·         Outpatient Consultation ·         Home nursing	Rs. 10,000

Contact us in case if you want to buy this product.

Medicare and Medicaid celebrate 50 years this week

July 30 is the 50th anniversary of Medicare and Medicaid, which serves 1 out of every 3 Americans. Insurance Commissioner Mike Kreidler will join the celebration by speaking at the Northwest regional event, held on July 30 from 10:30 a.m. to 12 p.m. at the Greenwood Senior Center in Seattle. The event is being hosted by the Centers for Medicare & Medicaid Services (CMS) Region X Office.

Commissioner Kreidler will join a panel of experts to discuss how Medicare and Medicaid have changed society and the ways in which we can work together to strengthen and improve health care for future generations in Washington state.

You’re invited to attend the celebration; register here.

CMS is observing the 50th anniversary by reflecting on the impact of these two programs and raising awareness about the services they provide to Americans.

Contract forges stronger bond with Washington’s Indian tribes for health care

Commissioner Mike Kreidler and representatives of the American Indian Health Commission signed a landmark contract July 21 that is designed to improve health care for Washington state Indian tribes.

From left: Vicki Lowe, John Hamje, Leslie Wosnig, Carolyn Smith,
Commissioner Kreidler, Todd Dixon

The contract will fund and support training for tribal staff and members regarding their Medicare insurance options.

The support comes through the Statewide Health Insurance Benefits Advisors program, better known as SHIBA. Kreidler’s office manages the program in Washington. Funding is split by the state and federal governments.

“I’m proud of the strong working relationship we have with the American Indian Health Commission and Washington tribes,” Kreidler said at the contract signing. “This will help us better understand and respect the rights and interests of tribal members.”

Signing the contract on behalf of the tribes was Leslie Wosnig of the Suquamish Tribe. She is also secretary of the American Indian Health Commission. Vicki Lowe, grant manager for the Jamestown S’Klallam Tribe, also attended the event.

SHIBA provides free and unbiased information about health care access and coverage in Washington. The contract with the American Indian Health Commission will support several activities, including helping tribal elders understand their Medicare options and get assistance with prescription drug plans.

The program serves more than 100,000 state residents annually through volunteer advisers.

“This is an unprecedented partnership. Now we’ll be working even more closely together to make quality health care more accessible to tribal members throughout the state,” Kreidler said. “Our goal is to reduce disparities in health care. Our mission is to help all who live in Washington.”

How To Buy A HDB Flat For Singles? - Your Complete Guide To Owning A HDB Flat As A Single

Most of us would know that we need to get engaged or married before we can get a HDB flat. For all the singles out there, the only way seems to be staying with your parents all your life. However, there are some of us who would want to be independent and live on our own even if we're not married. Getting a private property would not be a problem for Singles but it seems too expensive for most average income earners out there. Are there schemes available for Singles to buy subsidized HDB flats in Singapore?

According to the department of statistics, there were 147,300 singles from the age of 30-39 in Singapore, up from 122,700 in 2004.

Credit: https://www.flickr.com/photos/nlann/8352812895 

This post was created as I receive a comment asking how to buy a HDB flat as a single from one of the readers in my previous post on "How much money does a couple need to earn in order to afford a $300,000 HDB flat?".

Yes there are schemes for Singles to buy HDB flats with grants too if you're eligible. Let's take a look at some of the schemes out there for Singles.

Single Singapore Citizen Scheme

Age 35 years or 21 years and above?

Under the Single Singapore Citizen Scheme, you must be 35 years old or older to buy a HDB flat from the open market. This applies to unmarried or divorcee persons. Special conditions are given to the widowed and orphans where they can buy a HDB flat once they reach 21 years old and above. For orphans, the condition given is at least one of your deceased parents must be Singapore citizen or Singapore permanent resident and you must not have another sibling below age 35 buying/owning another flat under the Orphans scheme, Single Singapore citizen scheme and Joint Single scheme.

In July 2013, the SSC scheme was enhanced to allow singles to buy a 2-room flat in a non-mature estate directly from HDB. This is called the BTO scheme as what we see our married or soon to be married friends balloting for.

Income Ceiling?

There is no income ceiling for Singles who purchase from the open/resale market unless they are applying for a a CPF Housing Grant or a HDB Loan. Those who take bank loans will not be affected by the restriction.

For the 2 room BTO, there is an income ceiling of $5000. If you earn more than that, you cannot be allowed to get a BTO flat at all as a Single.

Grants Available for Singles

To get any grants from HDB, your income must not exceed $3250. You can get up to $30,000 grant if you earn up to $750 per month and $2500 grant if you earn more than $3000 and less than $3250. For more information on the various grants available for Singles, you can refer to HDB website here.

Take note that your HDB flat must have remaining lease of more than 30 years to be eligible for any grants too.

Joint Singles Scheme

If you feel bored to live alone and have a best friend who's also Single like you, you can apply for an HDB flat under the Joint Singles Scheme with both of you as owners of the property. The eligibility criteria is the same as the Singles Singapore citizen scheme. You can get up to 2 sets of Singles grant under the JSS.

Your combined income must not be more than $5000 in order to get the various grants available.


Public Scheme  

Family Nucleus

As a Single, you can also buy a HDB resale flat from the open market under the Public Scheme. This is done through forming a family nucleus. You and a family member must be at least 21 years old.

You must form a family nucleus with:

• your spouse and children (if any) or
• your parents and siblings (if any) or
• your children under your legal custody, care and control (for widowed, divorced or separated persons)

This is available to Singapore citizens and Singapore permanent residents. However, do note that from 27 August 2013, SPR household (i.e. a household with no SC owner) will have to wait 3 years from the date of obtaining SPR status before they can buy a resale flat. For more information on the public scheme, refer to HDB site here.

Income ceiling?

Similar to the SSC, there is no income ceiling unless you are applying for a CPF Housing Grant or an HDB Loan. Those who take bank loans will not be affected by the restriction.

Grants available for Family

To get grants under the Public Scheme, your combined income must not exceed $10,000 a month and $15,000 if you are applying with your extended family. You can get up to $40,000 grant under the Public Scheme. For more information on the grants for Family, you can refer to HDB website here. 

*Thinking of applying for a new housing loan or refinance your existing loans? Click here for more information on the complimentary service I provide. Compare and apply your home loans with ease. 

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Related Posts:
1. How Much Loan Can You Get For Your HDB flat?

OIC hiring Deputy Commissioner for Company Supervision

The OIC is looking for a Deputy Insurance Commissioner for our Company Supervision Division. This rewarding position manages a wide variety of situations and influences the course of insurance affairs, at the state, national, and international levels through contacts with the regulatory community and through colleagues in the agency. This position works together with the other members of the Executive Management Team to set strategic direction of the agency; establish legislative goals; ensure fiscal responsibility; and, create an inclusive, performance based culture. This is a civil service exempt position.

The Deputy for the Company Supervision Division is an executive leader who manages a division of approximately 57 employees at two locations. This position is the highest authority within OIC with designated responsibility to direct the regulatory program and internal operations of the Company Supervision Division.

This position is responsible for the financial and market examination and supervision of all Washington organized insuring entities and all other insuring entities licensed to do business in this state. The position’s mission is to protect insurance consumers, the public generally, and the state’s economy by ensuring the safety and soundness of insuring entities, and to ensure that they comply with applicable law. This position has broad statutory discretion and specific statutory authority involving the registration/licensing, operation, supervision, receivership, liquidation, and merger of insuring entities.

Duties of this position include:

• Regulating and supervising all insuring entities organized in Washington to assure financial stability and compliance with consumer facing market activity regulations.
• Licensing, regulating, and supervising all insuring entities organized in other states or non-U.S. jurisdictions that do business in Washington to assure financial stability and compliance with consumer facing market activity regulations.
• Supervising programs designed to ensure protection of insurance consumers from the failure of insurers doing business in this state and from insurer deviation from legally required market practices. These programs include the management of financially troubled or insolvent insurers and the coordination with insurer guaranty associations.
• Exercising broad statutory discretion over laws and regulations regarding registration or licensing, operation, liquidation, merger or acquisition of insurers, and insurer activity in the Washington marketplace.

Find more information about this job and other openings at http://bit.ly/OICjobs

5 Countries To Travel Now Where Currencies Are Dropping

Travelling.... one of the favourite past time of people who live in Singapore. Our country is so small that we could get from one end to the other in less than 2 hours by public transport. Most of us who've been living here for the past 20 over years like me would have been bored by this small city.

Another reason for travelling is that we could sort of live like a king in another country. Women like to travel to neighbouring countries for shopping sprees and get their wishlist items at less than half the price. The Singapore dollar is still strong while our neighbouring countries' currencies are weakening. This makes it even more attractive to travel. Let's take a look at some countries which is worthy of travelling now where currencies are dropping.


Malaysia

Most of us would probably already know that the Malaysian Ringgit has dropped significantly over the past few months. Singaporeans have been changing their SGD to Ringgit ever since when it was $1 SGD to $2.60 MYR. Now, $1 SGD is at $2.80 MYR. Who cares when a plate of chicken rice cost $5 MYR there? It is less than $2 for us when we convert it to SGD.

Let's take a look at some of the food prices in Malaysia:

Not too cheap for those working and living in Malaysia but certainly affordable for us working and living in Singapore. 

Thailand

Thailand is a shopping heaven for many ladies and also men out there. The clothes are really cheap there with low cost accommodation too. Good news for those travelling to Thailand soon, the Thai Bhat has actually weakened again as compared to a few months ago. $1 SGD is at $25.11 THB now.

It was also reported by the Bangkok post last week that the Thai Bhat sinks to a 6 year low against the US dollar. You can get clothes from as low as 100 to 300 Bhat in Thailand. That is just $4 to $11 when we covert it back to SGD. Definitely much cheaper than shopping in Singapore. No wonder people always come back with a few luggages of shopping loots from Thailand. 

The 1782 grand palace in Bangkok 

Credit: https://www.flickr.com/photos/drflint/9152353922

Australia

You probably didn't know that the Australian Dollar has been secretly going down against the SGD for the past one year. Just a few days ago, one of my colleagues told me that when he went Australia 20 years ago, the rate was $1.60 SGD to $1 AUD. How about now? SGD and AUD is actually quite close to $1 vs $1 now. It is at $1 SGD to $0.994 AUD. It is probably a good time to plan a trip to Australia this year when the currency is still weak.

Indonesia

The closest Indonesia islands to Singapore are Batam and Bintan where we can just take a 45 Mins ferry ride from Singapore to Batam. I took a walk at the supermarket in Batam before and the groceries are really cheap there. Many Singaporeans do buy some groceries from Batam and bring it over to Singapore when they travel there.

The Rupiah has been dropping against the SGD for quite some time now. It is in fact at a 10 year low. It is $1 SGD to about $9800 IDR now.

Besides Batam and Bintan, we can also travel to other parts of Indonesia such as Jakarta or even the popular Bali beach area. Bali is certainly more pricey now as it becomes a popular tourist destination. 

Why not try travelling to Lombok which is a cheaper version of Bali? Lombok is an island east of Bali with virtually untouched beaches There are 3 paradise islands called the Gili islands which we can scuba dive or snorkel around the area. 

Pictures of Lombok:

Credit: http://homeiswhereyourbagis.com/en/15-things-you-should-see-on-lombok/

Credit: https://www.flickr.com/photos/trekkingrinjani/7504677940

Besides Batam, Bali and Lombok, another place to visit is Jakarta. It is the capital of Indonesia but trust me, the things there are still quite cheap. You can read more about my travel to Jakarta in December 2014 here. Satay cost just 20 cents a stick and a restaurant meal at just $50 for 10 dishes in Jakarta.

Best thing about Indonesia is we can find the A&W which went missing in Singapore.

Japan

Lastly, let's not forget Japan, the land of the rising sun. The JPY has weaken significantly over the past 5-10 years. Travelling to Japan is definitely not as expensive as before now. $1 SGD is at $90.89 JPY now whereas 3 years ago it is at $65 JPY.

It time to plan for a year end winter trip or perhaps a next year March-April trip to see the cherry blossoms in Japan?

There you go, 5 countries to consider for your travelling now where their currencies are dropping. Its time to live like a king again in some of the countries or perhaps take a breather out of the small city we live in.

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Related Posts:
1. My 8 days Taiwan trip all under $800
2. 5 Days Trip In Jakarta Indonesia
3. 8 days North Vietnam Trip at $600

What Should You Know About Motorcycle Insurance?

Driving motorcycle using special gears isn't sufficient to protect yourself on roads. Motorcycle is one of the most dangerous vehicles in the streets. This is because, the riders are uncovered on their tiny vehicle and car drivers sometimes do not see them in the traffic stream.

Insurance is essential for all motorcycle owners. Motorcycle insurance is exclusively designed to provide consumers the coverage they need to find peace of mind while being out with their motorcycles. The main idea of motorcycle insurance is to reimburse your expanses if you have an accident while driving your motorbike.

This type of insurance is really an agreement between the policyholder and the insurer. Initially you should decide what kind of motorcycle insurance plan is suitable for you, and apparently your concluding decision will most likely be based on price.

Better cover doesn't essentially mean paying extra for your coverage. As a rule, you should remember that comparing different offers from different companies is the best way to find the best rate for your coverage.

When purchasing motorcycle insurance call your agent with whom you presently have other kind of insurance like, car or home insurance. Your agent will make everything easier and you will be pleasantly amazed at how reasonable the motorbike insurance is. If you have a clean driving history and if you aren't a young driver, then the rate of the motorcycle insurance is expected to be lower.



It is worthwhile to ensure that you involve medical expenses in your motorcycle insurance plan that will generally cover you if you have a mishap while driving your motorbike. Medical expenses insurance is only likely to take effect if you do not have any other medical cover like health insurance or any other type.

All-embracing motorcycle insurance will usually cover certain expenses of custom parts but not essentially all expenses. It is desirable to verify this previous to getting motorcycle insurance in order not to get in misunderstanding.

Low charge motorcycle insurance is probable and with the growing quantity of insurance companies rapidly increasing all over the world, the price has gradually turned down as a result of increased competition. Insurance companies are all the time competing with each other to provide the best and inexpensive insurance charges.

After getting insurance, don't forget to keep your insurance card always with you, in case of emergency. When everything is done and when you have a motorbike insurance arrangement, keep in mind to be a liable driver.

Visit our web site and get more information about Wawanesa Motorcycle Insurance.

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About the Author

David Hunter

David Hunter writes articles about auto insurance over the last two years

Common Motorcycle Insurance Tips What People Missing Always

Motorcycle insurance is compulsory in almost all the nations as the variety of two wheelers has improved so has the variety of two wheeler injuries. Therefore motorcycle has to be covered but simultaneously the funds also have to be kept in mind. There are very common factors, which are if and when regarded result in an economically flexible insurance protection.

Tips for Motorcycle Insurance Quote

Since insurance protection is all about the evaluation of danger there are two key aspects that perform a big part.

1. Rider

2. The Motorcycle

The aspects that are regarded important in situation of a participant are as follows:

Rider's Age - A middle-aged participant is reliable more than a young participant.

Rider's Driving Record - The variety of passes that have been released to the participant for various reasons are taken into consideration.

Rider's Location - The place where the participant would journey motorcycle would also perform a key part for the plan provider to decide on the top quality since town places present threats more risky than the town or nation places.

The Rider's Experience - The encounter of the participant also issues since if the participant is a pro rider the danger engaged would be lowest but if he/she were a starter the danger would be significant.

The Incident History of The Rider - The insurance protection provider would definitely believe in a person who is less incident vulnerable and more cautious since it actually decides the danger score.

Rider's Occupation - The profession of the participant allows to figure out his/her reliability since that reveals how frequent and constant he/she would be in paying out the expenses.


The aspects, which are taken into consideration in situation of a motorcycle, are as follows:

Make and Model - The style of the bicycle perform a key part in getting the plan, which is quite apparent. If a rushing bicycle is to be covered the threats engaged would be more than if it is frequent motorcycle.

Modifications on The Unique Model - When the unique style is customized it includes a lot of financial danger to guarantee such a bicycle since variations at times price half of the motorcycle's price.

Value of The Bike - This represents the unique value of the bicycle which differs with the style of the motorcycle. A sports bicycle would definitely price more than a frequent bicycle. In the same way the top quality compensated for the former would be more than the top quality compensated for the latter.

Location - The place where the bicycle is being garaged or if at all it has appropriate garage area or not makes a significant distinction in the top quality since it allows in evaluating the threats of wanton damage, robbery etc.

Tips for Cheap Motorcycle Insurance

There are some easy ways to cut down on the top quality of your insurance protection and get cost-effective insurance protection if some sensible methods are followed:
It is better to pay high unwanted in situation of a motorcycle declare.
If you are a starter try and examine if you complete a high level course in driving training that might give you an option of reducing the quotation.
In situation you do not have an immobilizer fixed, examine the distinction in the quotations. In situation the ones with the immobilizer get smaller quotations, get your motorcycle fixed with one.
Decrease the variety of kilometers you journey every year so that you can utilize of the Less Usage Lower price. Offer your common yearly mileage to the plan providers when getting a quotation.

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Dylan.S.barrett

Find comprehensive information about motor and car insurance quotes on CheapcarInsurance.Co.za. Choose the best motorcycle insurance for you...

Music Teacher Insurance - Take a Guarded Step towards Secured Profession

Concert Insurance is usually opted by show promoters, music artists, bands and orchestras as they play over stage to take a stand against liabilities existing in the industry. There are crowds of people who attend so the chances of public liability are high and so it is rightly said by experts to opt for insurance policy on annual basis. Single event insurance can be bought or multiple events insurance would be the best for those who deal in event management and organization in every season .

This insurance policy will cover from loss, theft and any other kind of damage which might cause harm to the event organizer in terms of money and reputation both. When you have insurance, it will keep your event safe from human injury or other unforeseen problems. This step must be taken when you plan an event as you never know when things would go wrong, unnaturally. Not only artists, but also there is a whole group of concert workers who are working at the back stage along with equipments, accessories and other important things to set up the show. Event Cancellation frames an important clause as you never when weather conditions can get worse and the event faces problems. Rather than facing a problem, it is advisable to have aggregate policy to have coverage for special event; be it conventions, weddings, parties, music shows, sports and few others. Most of the insurance providers

For those whose passionate areas of living are to learn and play music also are the victims of incidents where they have lost their instrument or had a back drop in their teaching profession. These are few questions which might answer your query as who all must opt for insurance. Just look at the below questions which would answer queries arising due to opting an insurance policy four your beloved profession:



1. Do you use teach music to students in weekends?

2. Is your instrument secured from loss of storm, theft and other damage?

3. Do you travel a lot for your shows and music concerts?

Music Teacher Insurance would protect the music teacher when any accident occurs such as any student injuring during or before music class. There have been occurrences where the teachers have paid for bodily injury caused to the student where major expenses were involved for medication. Be it for any other instrument such as saxophone, trumpet, oboe, guitar, string instruments etc., risk factors avail in every field in the form of unforeseen occurs. Whether it is an antique flute or regular flute of band player,flute Insurance will be there with you to save from extra expenses that might occur due to loss. Replacement clause if added to the policy will also be beneficial which would overcome the immediate monetary loss.

Opt for suitable insurance policy that has affordable premium while opting for a specific period of time.


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Joseph White

The author guides the music teachers and professionals to opt for suitable Music Teacher Insurance policy which can protect their profession...

The need and importance of General Insurance in India

Any insurance except life insurance falls under the purview of General Insurance. Let's try to understand what actually is general insurance?

In this era of high uncertainty and spiralling inflation rate, the dangers posed to our prized possessions has reached new zeniths. Insurance therefore is becoming a necessity more than just a utility. Safeguarding your belongings accumulated through years of hard work is the right thing to do and this is where different type of insurance service provider plays a pivotal role.

The concept of taking money from Peter to pay Paul has a long precedent. In the case of general insurance, the money is taken from the owners who want to insure their stuff and then given to that participant who has suffered a loss due to any incident specifically covered by the insurance policy.

General insurance in India comprises of a wide array of insurance such as health insurance, fire insurance, errors and omissions insurance and their like. Or one can say that the thrust of general insurance is inclined toward business activities unlike life insurance. Business activities in today's web-connected globalised world are fraught with so many transactional uncertainties that it has become an utmost priority to safeguard the entire chain of activities. Right from procurement of raw materials from local or overseas
Vendors to manufacturing and later distribution of the finished products, the substance of value is for a considerable period of time in transit without the owner having a commanding control over its fate. A general insurance policy aims to fill the command vacuum by providing the mitigation of uncertainty that may occur. It promises the policy holder to cover the losses in lieu of a fixed amount of premium.





Unlike life insurance policies, general insurance policies are typically not for lifetime tenure. It usually last for a particular economic activity, for instance marine insurance. It concerns with providing insurance cover for a particular voyage. Similar is the case with fire insurance, it covers losses that may occur due to fire in the factory warehouse for a given period of time. It can therefore be asserted that, most if not all general insurance products are of annual nature.

Various insurance service providers operate in this zone. Although the crux of their services remains the same, many of them have insurance products that are spin-offs of one another. Hence, differentiating between general insurance products of the same category from two different service providers can be a daunting task. Not only has that, a few providers of general insurance in India offer various combinations of insurance service. As different people have needs that are not symmetrical, hence it becomes a necessity of insurance providers to cater to the demand. For instance, an owner of a manufacturing unit would ideally require both fire insurance and machinery breakdown insurance. Thus one may come across general insurance products in various combinations catering to the need ever-evolving business landscape.

Thus
About the Author

general insurance in India can be put on a must-have list for most people, business entities and entrepreneurs alike. It is a handy tool that goes a long way to bring certainty and peace of mind in life.

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PranavVSharma

Pranav Sharma is an insurance advisor based in Mumbai, Pranav has worked with leading insurance companies as an agent and he often shares...