there is something wrong with blogger.
i cant seem to edit my posts in the "compose" section.
yes i know i have been been missing for ages! there has been a lot going on with AIA. we had our midyear kick off where they launched a totally new lifestyle option for all our AIA policy holders!
It's called AIA VITALITY! :D
please do go to the website to find out more about it while i try to fix my technical issues..
https://www.aiavitality.com.sg/memberportal/
Thursday, 1 August 2013
Friday, 21 June 2013
Everything's a little Hazy
it's been so hyped about that it just WOULDN'T make sense if i didn't write a post on this.
Please do monitor the haze situation and take care of your health everybody!
Also there is a government scheme to help people with health issues arising from the haze. Read more at the MOH website :
Please visit a GP clinic if you feel unwell due to the haze. MOH is implementing a special scheme for the following groups of patients who are seeking treatment for respiratory problems and conjunctivitis arising from the haze:
- All Singaporeans seeking treatment at polyclinics for conditions arising from the haze will also pay not more than $10.
Someone has told me via a forwarded viral message about the harms of breathing in all this haze: the weather now is almost equivalent to smoking an alarming (in the hundreds) amount of cigarettes per day..
soon smoking will barely put a dent in the indication of lung cancer markers at this rate.
After all is said and done though, we can only pray that the haze (and it's causes) resolves itself and leaves us alone as quickly as possible.
Do take care of your health and take every precaution you can.
Trying to Breathe Easy,
Jessica
Please do monitor the haze situation and take care of your health everybody!
Please visit a GP clinic if you feel unwell due to the haze. MOH is implementing a special scheme for the following groups of patients who are seeking treatment for respiratory problems and conjunctivitis arising from the haze:
- Young Singaporeans 18 years old and below,
- Elderly Singaporeans 65 years old and above,
- Community Health Assist Scheme (CHAS), Public Assistance, Medical Fees Exemption Card (MFEC) and Medical Fees Assistance Card (MFAC) cardholders, and
- Lower-income Singaporeans earning $1,500 a month and below (by declaration).
- All Singaporeans seeking treatment at polyclinics for conditions arising from the haze will also pay not more than $10.
Someone has told me via a forwarded viral message about the harms of breathing in all this haze: the weather now is almost equivalent to smoking an alarming (in the hundreds) amount of cigarettes per day..
soon smoking will barely put a dent in the indication of lung cancer markers at this rate.
After all is said and done though, we can only pray that the haze (and it's causes) resolves itself and leaves us alone as quickly as possible.
Do take care of your health and take every precaution you can.
Trying to Breathe Easy,
Jessica
Monday, 10 June 2013
diligently..
yes i know i've been ignoring my blog a little. sometimes it's hard to keep motivated to do things. but for the love of my friends and family, this blog is a small metaphor for my dedication to my business.
in all my hustle and bustle and occupied-ness of mind and body, i won't forget you my little diary of insurance.
anyway, AIA is having a promo of hospitalization plans for foreigners and singaporeans/PRs. IF you've not started looking at how you can use your medisave to protect yourself and your family, please do check out the cpf website on upgraded/integrated shield policies available!
Information on the different "Private Medical Insurance" Schemes can also be found in FAQ format there.
since your medisave is locked up anyway, why not maximise it to give you the peace of mind that there is protection is times of hospitalization?
fighting on,
Jessica
in all my hustle and bustle and occupied-ness of mind and body, i won't forget you my little diary of insurance.
anyway, AIA is having a promo of hospitalization plans for foreigners and singaporeans/PRs. IF you've not started looking at how you can use your medisave to protect yourself and your family, please do check out the cpf website on upgraded/integrated shield policies available!
Information on the different "Private Medical Insurance" Schemes can also be found in FAQ format there.
since your medisave is locked up anyway, why not maximise it to give you the peace of mind that there is protection is times of hospitalization?
fighting on,
Jessica
Sunday, 19 May 2013
Price of Education?
It's always good to plan ahead, especially when it comes to ones kids. Being a married lady now, it's really quite nerve-wracking to have to start thinking of things such as where are they going to go to school,how am i going to get their grades up, how will their teachers be... the lists can be endless.
I'm not anywhere near started enjoying married life though; and it may seem early to start plannign for kids, but you know sometimes God just blesses you when you least expect it and it never hurts to be prepared.
This article pretty much sums up the stress that parents go through, especially financially.
Have you thought of picking up and endowment policy today to offset these potential costs?
I'm not anywhere near started enjoying married life though; and it may seem early to start plannign for kids, but you know sometimes God just blesses you when you least expect it and it never hurts to be prepared.
This article pretty much sums up the stress that parents go through, especially financially.
Have you thought of picking up and endowment policy today to offset these potential costs?
Thursday, 9 May 2013
Married lady in the Housseee
Right, So lack of posting because sick sick sick :(
recently i had to visit a doctor to take a look at my wrist because i'm pretty sure that soemthing went on on my wedding night that caused a little bruise and fracture, and NO it was NOT bedroom antics.
it's really so different when i'm on the other side of the coin; playing policyholder instead of insurance agent, and honestly? i'm finally coming to understand why people think that insurance is a hassle.
to me, it might not seem like a big deal because i deal with it on a daily basis, but as a patient, to have to liaise with doctors to get the relevant memos and proofs of injury/illness, it can be quite harrowing if one isn't informed properly or doesn't think about doing claims until everything is over.
i had quite an experience trying to get my doctor to rewrite his memo because (let's face it), doctors' handwritings REALLY ARE HORRIBLE.
that being said, I truly endeavour to give my clients as much assistance and information about claim procedures and ensuring that once bought, your insurance is truly doing what it's supposed to do -> give you that peace of mind that financial issues are taken care of once something happens
finding the truth in action,
Jessica
recently i had to visit a doctor to take a look at my wrist because i'm pretty sure that soemthing went on on my wedding night that caused a little bruise and fracture, and NO it was NOT bedroom antics.
it's really so different when i'm on the other side of the coin; playing policyholder instead of insurance agent, and honestly? i'm finally coming to understand why people think that insurance is a hassle.
to me, it might not seem like a big deal because i deal with it on a daily basis, but as a patient, to have to liaise with doctors to get the relevant memos and proofs of injury/illness, it can be quite harrowing if one isn't informed properly or doesn't think about doing claims until everything is over.
i had quite an experience trying to get my doctor to rewrite his memo because (let's face it), doctors' handwritings REALLY ARE HORRIBLE.
that being said, I truly endeavour to give my clients as much assistance and information about claim procedures and ensuring that once bought, your insurance is truly doing what it's supposed to do -> give you that peace of mind that financial issues are taken care of once something happens
finding the truth in action,
Jessica
Friday, 26 April 2013
Dengue is back up!
http://www.dengue.gov.sg/
Did you also know that some insurance plans can cover dengue fever attacks?
Check with your insurance agent today!
Prevention is better than cure,
Jessica
Location of Active Clusters (as at 25 Apr 2013 )
A dengue cluster is formed when 2 or more dengue cases occur within 14 days and the homes of the dengue victims are within the distance of 150m.
Alert Level indicates the severity of a dengue cluster. Each alert level is associated with a list of preventive actions that the public can take to protect against dengue. There are 3 alert levels:
Definition
|
Alert Level
|
High-risk area with 10 or more cases
|
Red
|
High-risk area with less than 10 cases
|
Yellow
|
No new cases, under surveillance for the next 21 days
|
Green
|
Did you also know that some insurance plans can cover dengue fever attacks?
Check with your insurance agent today!
Prevention is better than cure,
Jessica
Friday, 19 April 2013
Being Hospitalised
No, not me, but a very close friend of mine who had an absolutely HILARIOUS reason for getting warded.
but anyway, my story today is about the actual process of being hospitalised. This friend of mine had recently come bck to Singapore having been away overseas for a long time. finally starting up her CPF contributions again, I suggested and have been trying to get her on a good local hospitalisation insurance package. she kept saying that needed to wait until she was more settled back home before she could start on one.
in any case, she had a little accident (- it is funny how these accident/illness things always strike those that don't have proper coverage) and had to be hospitalised for observation.
now she was in a government hospital, not by choice but because her doctor happened to recommend her there. apparently her relatives/mum/etc were asking her, "why didn't you ask your doctor to refer you to mount e or gleneagles or a private hospital!"
but checked in already, and lying in the cot waiting for whatever it was that needed waiting for, HERE is the kicker.
NO MORE A OR B CLASS WARDS AVAILABLE.
she had to suck it up in C class. the 6 bed wards.
that's not to say that C class isn't a good place to receive medical care. it's just that it is the lowest tier. lack of privacy, fighting for nurses' attention etc. we've all heard the stories..
now, even knowing that she would have to foot the majority of the bill on her own, she was more than willing to pay money to get into A or B after that. she was still lucky that she has her basic medishield plan and is high up enough in the heirarchy of her office to get a decent company insurance compensation plan.
I can tell you when i went to visit that i have resolved to make sure that my clients get the best they can possbile get when it comes to hospitalisation plans. it really just makes me grateful that my job is about helping people to afford the best possible treatment that they could want in a situation where they couldn't imagine doing anything less.
MY GOODNESS. the wards don't have doors - it's not a closed 6 bedder but it's opened up into everywhere. majority of the people in there look like they are above the age of 60, and it is no offense to be elderly, but when you are a YOUNG persons seated in a room full of older folk, with assortments of maladies, you can't help but get this shrinking feeling that the grim reaper is walking around, looking over your shoulder.
now my friend got a little tiny enclosed corner. the ladies of the ward must have dragged a cot into this corner and draped the curtains across to give her a little privacy, but unfortunately it really did not help much. my friend shared that overnight, you can hear EVERYTHING that's going on. people moaning and groaning, crying and being upset, screaming in some cases, and (seriously) the vacuum cleaner going about the corridor early in the morning.
for someone who had just a teeny tiny accident, didn't have insurance, she was WILLING to pay for a higher class ward to get out of there for the duration of her short stay. what i find sad about this whole situation is those poor older folk who will never have a chance to improve their coverage at their age. they don't have a choice because of the costs of treatment for their long term ailments could never afford them the luxury of an upgrade - it just wouldn't be sustainable.
think twice when you are looking at hospital plans. make sure that you are getting what you bargain for.
given the levels and tiers of hospitalization insurance there are these days, it provides us with so many options to suit our budget. but my advice is - DON'T SCRIMP ON YOUR HEALTHCARE.
reaffirmed in what i do,
Jessica
but anyway, my story today is about the actual process of being hospitalised. This friend of mine had recently come bck to Singapore having been away overseas for a long time. finally starting up her CPF contributions again, I suggested and have been trying to get her on a good local hospitalisation insurance package. she kept saying that needed to wait until she was more settled back home before she could start on one.
in any case, she had a little accident (- it is funny how these accident/illness things always strike those that don't have proper coverage) and had to be hospitalised for observation.
now she was in a government hospital, not by choice but because her doctor happened to recommend her there. apparently her relatives/mum/etc were asking her, "why didn't you ask your doctor to refer you to mount e or gleneagles or a private hospital!"
but checked in already, and lying in the cot waiting for whatever it was that needed waiting for, HERE is the kicker.
NO MORE A OR B CLASS WARDS AVAILABLE.
she had to suck it up in C class. the 6 bed wards.
that's not to say that C class isn't a good place to receive medical care. it's just that it is the lowest tier. lack of privacy, fighting for nurses' attention etc. we've all heard the stories..
now, even knowing that she would have to foot the majority of the bill on her own, she was more than willing to pay money to get into A or B after that. she was still lucky that she has her basic medishield plan and is high up enough in the heirarchy of her office to get a decent company insurance compensation plan.
I can tell you when i went to visit that i have resolved to make sure that my clients get the best they can possbile get when it comes to hospitalisation plans. it really just makes me grateful that my job is about helping people to afford the best possible treatment that they could want in a situation where they couldn't imagine doing anything less.
MY GOODNESS. the wards don't have doors - it's not a closed 6 bedder but it's opened up into everywhere. majority of the people in there look like they are above the age of 60, and it is no offense to be elderly, but when you are a YOUNG persons seated in a room full of older folk, with assortments of maladies, you can't help but get this shrinking feeling that the grim reaper is walking around, looking over your shoulder.
now my friend got a little tiny enclosed corner. the ladies of the ward must have dragged a cot into this corner and draped the curtains across to give her a little privacy, but unfortunately it really did not help much. my friend shared that overnight, you can hear EVERYTHING that's going on. people moaning and groaning, crying and being upset, screaming in some cases, and (seriously) the vacuum cleaner going about the corridor early in the morning.
for someone who had just a teeny tiny accident, didn't have insurance, she was WILLING to pay for a higher class ward to get out of there for the duration of her short stay. what i find sad about this whole situation is those poor older folk who will never have a chance to improve their coverage at their age. they don't have a choice because of the costs of treatment for their long term ailments could never afford them the luxury of an upgrade - it just wouldn't be sustainable.
think twice when you are looking at hospital plans. make sure that you are getting what you bargain for.
given the levels and tiers of hospitalization insurance there are these days, it provides us with so many options to suit our budget. but my advice is - DON'T SCRIMP ON YOUR HEALTHCARE.
reaffirmed in what i do,
Jessica
Wednesday, 10 April 2013
MoneySmart posts an article on Car Insurance and how to go about settling claims
Thursday, Friday and then my wedding. And I'm still posting a post! DEDICATION :D
Nobody really wants to get into an accident, but sure enough it happens
http://www.moneysmart.sg/car-insurance/how-to-make-a-car-insurance-claim-in-singapore/
This Article by Moneysmart includes a breakdown of 4 easy steps of what to do when you get into a car accident.
Step 1: Get Contact Details
And there you have it!
But please stay safe on the roads, Prevention is btter than cure! Where prevention fails, rest assured that you still have your insurance.
Last Minute Wedding Changes absolutely making me drop hair,
Jessica
Nobody really wants to get into an accident, but sure enough it happens
http://www.moneysmart.sg/car-insurance/how-to-make-a-car-insurance-claim-in-singapore/
This Article by Moneysmart includes a breakdown of 4 easy steps of what to do when you get into a car accident.
Step 1: Get Contact Details
Step 2: Take Photos of the Vehicles
Step 3. Head to an Authorized Workshop
Step 4: Check the Impact on Your Policy
But please stay safe on the roads, Prevention is btter than cure! Where prevention fails, rest assured that you still have your insurance.
Last Minute Wedding Changes absolutely making me drop hair,
Jessica
Friday, 5 April 2013
MONEY MIND IS STILL ON AIR??!!
Amazing!! and the shows they are showing are quite awesome!! "what's your financial health" etc etc.
i can become promoter for mediacorp and channel news asia already. lol
i can become promoter for mediacorp and channel news asia already. lol
Friday, 15 March 2013
Super busy with Wedding Planning!!
So sorry i've just not had time to come on. it's florist today and caterer tomorrw. ARGH! massive headaches. For this reason, I'm regretting not bought a savings plan earlier in life :( save early = money comes out faster. so start saving today!
reaosn for today's post:
Can we Really Afford to Fall Sick in Singapore?
on "On The Red Dot", Wednesday Evenings, 9pm on TCS 5
http://entertainment.xin.msn.com/en/tv/channel-5/programmes/on-the-red-dot-1
This is areally good television show. It's good to know that the broadcasting stations are picking up on the animosity and real questioning of the going-ons in Singapore. Check out their facebook page:
http://www.facebook.com/OnTheRedDot
Know more about what's going on!
Jessica
reaosn for today's post:
Can we Really Afford to Fall Sick in Singapore?
on "On The Red Dot", Wednesday Evenings, 9pm on TCS 5
http://entertainment.xin.msn.com/en/tv/channel-5/programmes/on-the-red-dot-1
This is areally good television show. It's good to know that the broadcasting stations are picking up on the animosity and real questioning of the going-ons in Singapore. Check out their facebook page:
http://www.facebook.com/OnTheRedDot
Know more about what's going on!
Jessica
Monday, 25 February 2013
Singapore Budget 2013. Big issues on the horizon.
Deputy Prime Minister and Minister for Finance Tharman Shanmugaratnam announced the following initiatives relating to CPF during the FY2013 Budget Statement in Parliament on 25 February 2013:
- Enhancements to the Workfare Income Supplement (WIS) Scheme
The WIS scheme has been enhanced as follows:
| 1) | Income cap extended to $1,900/month to benefit more Singaporean workers |
| 2) | Higher WIS payouts of up to $3,500/year to better provide for expenditure needs and enhance retirement savings |
| 3) | More WIS to be given out in cash to help recipients with their immediate expenses (40% of WIS payouts for employees and 10% of WIS payouts for self-employed persons) |
| 4) | Increase in WIS payments to CPF Medisave and Special Accounts, without reducing contributions to the Ordinary Account, to boost the healthcare and retirement savings of older low-wage workers |
| 5) | Additional criteria to improve targeting of WIS to focus on WIS recipients with limited access to household wealth |
The changes will apply to work done from 1 January 2013 onwards.
Thursday, 14 February 2013
Sad and Dateless on Valentines' Day
what a week.
Chinese New Year and Valentines day in a span of a week!
it's pouring today and i'm feeling awfully melancholy because my fiance is at work til late today. *BIG SIGH*
on the bright side, it's time to get back to work! I've got to start arranging meetings with my clients and one of them has been excited to look at the new Shield plan upgrades.
so maybe I DO have a date for Valentines' after all, haha
to all the lovers and the sweethearts out there, make the most of every moment you have with your loved ones and let it be Valentines Day every day :)
hugs and kisses,
Jessica
Chinese New Year and Valentines day in a span of a week!
it's pouring today and i'm feeling awfully melancholy because my fiance is at work til late today. *BIG SIGH*
on the bright side, it's time to get back to work! I've got to start arranging meetings with my clients and one of them has been excited to look at the new Shield plan upgrades.
so maybe I DO have a date for Valentines' after all, haha
to all the lovers and the sweethearts out there, make the most of every moment you have with your loved ones and let it be Valentines Day every day :)
hugs and kisses,
Jessica
Sunday, 3 February 2013
Medical Exam
I have recently bought a house. because of our Singapore Government (HDB) there is a compulsory CPF-related insurance that comes attached whenever you sign the papers for your spanking new residence called the Housing Protection Scheme.
There is actually a Fire Insurance also tagged to your CPF currently offered by the chosen provider - Etiqa Insurance Berhad.
Most people use their CPF to pay for majority/all of their housing loans and this helps to ensure that if one of the parties should leave untimely due to Death or Disability, they would not have to worry about the outstanding loan due to CPF.
I went to upgrade mine with AIA to make sure that I have sufficient cover including for Terminal Illness and I was in for a rough time. I previously have had some history in relationship to my chest area and that being on record, meant that I would have to go for some medical tests to make sure that AIA would be ok to ensure me.
That was SOME experience. Normally having to handle it from the customer's perspective, when you just "No la, it's just a checkup, after go already, everything should be ok", as compared to having to sit in the waiting room and answer all these questions from the doctor is somewhat a little different.
I know that it is always better to get covered for a portion of insurance rather than none at all (when the insurance company rejects your case entirely), so I went and sat for all the prescribed tests and made sure that everything handled smoothly.
Through all the hassle of having to arrange for "time off" to go and see the doctor, and then receiving news from the underwriters that I have to go for further verification, I kept telling myself that it's important. If I say I would rather not go through with my insurance then what will happen to my fiance if I leave him one day? The waiting rooms and the nasty receptionists were a small price to pay to make sure he doesn't have to worry about our lovely home suddenly being repossessed upon my death.
ESPECIALLY after spending a CRAZZZZYYY month trying to get it ship-shape for Chinese New Year celebrations and house-warming before the wedding.
In any case, finally getting my certificate of insurance is a load of my mind, and I hope that this encourages you to ensure that you follow through to your policy issuance confirmations too!
Knowing how it feels,
Jessica
There is actually a Fire Insurance also tagged to your CPF currently offered by the chosen provider - Etiqa Insurance Berhad.
Most people use their CPF to pay for majority/all of their housing loans and this helps to ensure that if one of the parties should leave untimely due to Death or Disability, they would not have to worry about the outstanding loan due to CPF.
I went to upgrade mine with AIA to make sure that I have sufficient cover including for Terminal Illness and I was in for a rough time. I previously have had some history in relationship to my chest area and that being on record, meant that I would have to go for some medical tests to make sure that AIA would be ok to ensure me.
That was SOME experience. Normally having to handle it from the customer's perspective, when you just "No la, it's just a checkup, after go already, everything should be ok", as compared to having to sit in the waiting room and answer all these questions from the doctor is somewhat a little different.
I know that it is always better to get covered for a portion of insurance rather than none at all (when the insurance company rejects your case entirely), so I went and sat for all the prescribed tests and made sure that everything handled smoothly.
Through all the hassle of having to arrange for "time off" to go and see the doctor, and then receiving news from the underwriters that I have to go for further verification, I kept telling myself that it's important. If I say I would rather not go through with my insurance then what will happen to my fiance if I leave him one day? The waiting rooms and the nasty receptionists were a small price to pay to make sure he doesn't have to worry about our lovely home suddenly being repossessed upon my death.
ESPECIALLY after spending a CRAZZZZYYY month trying to get it ship-shape for Chinese New Year celebrations and house-warming before the wedding.
In any case, finally getting my certificate of insurance is a load of my mind, and I hope that this encourages you to ensure that you follow through to your policy issuance confirmations too!
Knowing how it feels,
Jessica
Friday, 25 January 2013
WOAH! updates!
SUDDEN spike in viewership numbers! Thank you all for the support.
I'm so sorry I haven't really been updating, the new house is in and the wedding is counting down! soon I'll be a married woman having to do housework and cook dinners haha!
in any case, this post REALLY warranted some mention because it really affects every single Singaporean.
MOH has recently announced some changes to our Medisave coverage and it wasn't very publicised. Reason being was that, there was BIGGER news afoot about Paternal Leave and Government measures to promote marraige and childbirth. (good news for me since i'm getting married, hey?)
In any case, there will be an industry-wide revamp of ALL Medishield and integrated Medishield plans involving the increase in cover and subsequent increase in premium charges.
AIA has launched their new Shield policy as of yesterday and to facilitate the upgrade of coverage, they will be mapping all existing policyholders directly to the newly structured plans.
Do give your agent (or me) a ring/email if you are eager to find out how you are being affected.
Updating You,
Jessica
I'm so sorry I haven't really been updating, the new house is in and the wedding is counting down! soon I'll be a married woman having to do housework and cook dinners haha!
in any case, this post REALLY warranted some mention because it really affects every single Singaporean.
MOH has recently announced some changes to our Medisave coverage and it wasn't very publicised. Reason being was that, there was BIGGER news afoot about Paternal Leave and Government measures to promote marraige and childbirth. (good news for me since i'm getting married, hey?)
In any case, there will be an industry-wide revamp of ALL Medishield and integrated Medishield plans involving the increase in cover and subsequent increase in premium charges.
AIA has launched their new Shield policy as of yesterday and to facilitate the upgrade of coverage, they will be mapping all existing policyholders directly to the newly structured plans.
Do give your agent (or me) a ring/email if you are eager to find out how you are being affected.
Updating You,
Jessica
Monday, 14 January 2013
Thursday, 10 January 2013
Record number of Minimum Sum Top-Ups!
Record Number of Minimum Sum Topping-Up Applications in 2012
Would you like an alternative to saving for your retirement? AIA has a new plan available for you - RETIREMENT SAVER! It aims to help you put aside money for a number of years, will pay dividends to you until retirement at age 65, whereupon maturity, it will gift you with a stream of income!
"With bank deposits earning such low interest rates these days, we were searching for a good place to deposit savings for our children. We realised that we could start a CPF account for our children by making a deposit via the Minimum Sum Topping-Up Scheme. The best part is that such deposits to the Special Account currently earn up to 5% interest, risk-free. At 5% interest annually, just one deposit of $3,000 in the year the child was born would grow to more than $46,000 by the time the child is 55! This is a good way of saving the $3,000 Baby Bonus, or any savings that are not needed for immediate use. The compounding effect of CPF interest is impressive in the long run. We've already done so for both our kids."
- Li Wenqiang and Kang Chui Hsia, CPF members, Parents of two
|
| In 2012, more than 44,000 top-ups were made by members for their loved ones and themselves. This is the largest number of top-ups received in a year since the Minimum Sum Topping-Up scheme was introduced in 1987. By topping up for your loved ones and/or yourself, you get to enjoy the following benefits:
You can make top-ups easily via
|
Would you like an alternative to saving for your retirement? AIA has a new plan available for you - RETIREMENT SAVER! It aims to help you put aside money for a number of years, will pay dividends to you until retirement at age 65, whereupon maturity, it will gift you with a stream of income!
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