• Insurance

    Secure Your and Your Loved Ones Future

    What is the insurance for hospitals and operating rooms?

    The hospital insurance plan covers all medical costs incurred during hospitalization. Some common aspects of typical Singapore hospital insurance are:

    • Global coverage
    • Hospital selection
    • A maximum year and life limit
    • You can pay directly to the hospital.

    Emergencies can occur at any time, and when you’re ready, you can easily overcome these challenges. Singapore has some of the best medical facilities globally, but without proper hospital insurance, it can be expensive. This is even more true if you live and work here as an expatriate. Comprehensive hospital insurance is beneficial in the long run.

    If your employer has overseas health insurance, it is worth checking what is already insured. Call them today to find out more about your current health insurance plans here in Singapore. Hospitalization here can put you off, so it’s best to know if you have insurance or need hospital and operating room insurance.

    Do you need hospital insurance?

    The hospital insurance plan covers the actual costs incurred as a result of illness or accident. With reliable medical insurance at Singapore hospitals, you can expect quality medical care in a complete individual ward. Access Singapore’s excellent medical system with our hospital insurance.

    If you want to know more, please write to them. We will contact you to discuss your medical needs, including hospital insurance for foreigners in Singapore. If you travel a lot, we offer you comprehensive and complete hospital insurance that gives you access to hospital care worldwide if you need it. We specialize in providing health insurance that covers quality folk medicine worldwide, so you can rest assured that you are comfortable and reassured wherever you are. Contact them now for more information on hospital and operating room insurance options.

    Find a hospital insurance plan that meets your needs

    Need to expand the coverage of expanded hospitals and insurance, or do you need to integrate it into your existing plans?

    Would you mind calling +65 6401 9201 or leaving the details below? We will be happy to assist you in choosing the right rate plan.

    Health insurance is a general term for insurance companies that support payment of medical expenses in the event of injury, illness, or accident. Hospital and operating room insurance (also known as hospital insurance plans) covers, among other things, medical costs incurred during hospitalization. This may include living in a room or testing ordered by a medical team.

  • Insurance

    Reasons Why You Should Consider Income Protection Insurance

    Income protection insurance is exactly what the name suggests. This type of insurance is usually designed to pay you a benefit in case you are unable to work for a period of time. This may be because of an illness or injury. It pays you a monthly benefit like your salary. It pays you until you are able to return to work or for an agreed period of time. This insurance policy is being offered in select countries only. This includes Australia, Ireland, and New Zealand. As well as South Africa and the United Kingdom.

    People often ask why they should get income protection insurance. People are not usually comfortable with spending significant cash over the long term. It generally covers about 70 to 80% of your pre-tax salary. This offers various benefits.

    more about income protection

    Mortgage payment

    New homeowners commit to a huge debt when they get a house loan. These loans often stay unpaid for years. Some even for decades. Paying off this kind of debt is difficult if you are no longer fit to work. Income protection insurance plays a big role in this.

    Other debt payments

    Your bills will not stop coming even if you get sick and do not get paid for work. The interest rate of your other debts will also not stop. It is possible to accumulate more debt because of an expensive recovery. Especially if you need therapy or special treatment. Income protection insurance can ease the pressure of managing the said bills.

    Recovery focus

    Financial stress is something most people avoid. More so when you are recovering from an illness or an injury. Your rehabilitation may take longer because of any stress. Income protection insurance lets you focus on your recovery instead. All you need to think about is your health and how to recover.

    Quality of life

    Most people do not want a sudden change in their routine and lifestyle. This is inevitable when you get sick or injured. Income protection insurance can ensure you feel better about your situation. You can continue to enjoy the quality of life you had even when unable to work anymore.

    Family reassurance

    Medical bills are expensive. If you are unable to work then this could pose a problem. Your family members are then left to attend to these expenses on your behalf. Income protection insurance lets you dismiss this worry. Your family will be able to use your policy to pay off your medical bills.

    Possible tax benefits

    You could claim income protection insurance premiums on your annual tax return. The amount you can claim depends on your taxable income. As well as your marginal tax rate. You should check whether you are eligible to claim this benefit. Keep in mind that you can only claim for the premiums you pay during the financial year. You are also taxed on your income protection insurance payments.

    You should learn more about income protection. Make sure that the income protection insurance you take fits your needs. Every person has different insurance needs. Income protection insurance is very helpful. Especially for those who depend on a paycheck to cover for their living costs.

  • Insurance



    Though used interchangeably, the words ‘life settlement’ and ‘viatical settlement’ have different meanings; the latter means giving up your policy on account of your terminal illness, low life expectancy, old age, and other such related reasons. On the other hand, life settlement means giving up your policy for cash while you have a considerably longer life expectancy. Therefore, make sure to fix the type of settlement for an expected cash return since both have different cash outcomes.


    The following is the approximate method to calculate the settlement price:

      1.  The face amount of your policy: Technically, the greater the face value of your policy is, the larger the viatical settlement you will tentatively receive in return.
      2.   Your life expectancy: Logically, since the buyer may not wish to pay the premium for a long period of time, the lower your life expectancy is, the higher your policy will be valued. It’s important to note that if your policy is a joint holding type, the life expectancy of the healthier party will be considered.

    Generally, the following are the factors involved in estimating your average life expectancy:

      • Your average age: It’s assumed that 65-year-old people tend to live longer than 85-year-old people; if you’re on the latter side of age, your policy will be valued higher than the former.
      • Your health as well as medical condition: Generally, your current medical condition will help predict your life expectancy i.e., you will be estimated to die earlier if you have blood cancer rather than a kidney malfunction. In addition, the scope of cure is also considered. This means that if the disease in your body can be cured, as a result, your life expectancy will be improved considerably. In such instances, your policy may be valued at lower rates.
      • Gender: Since it’s scientifically proven that women usually have longer life expectancy than men, it plays a large role in the valuation of your policy.
      • Annual premium: Since it’s always an assumption that your policy is not paid up, the pending premium of the policy will be considered; this means that the lower your pending premium is, the higher your policy will be valued.
      • The guarantees: The guarantees linked with the policy like whether the premium, as well as the amount of coverage, is guaranteed or whether the same is subject to change is considered.
      • Others: Factors like the amount of cash value in your policy, guaranteed rate of interest to be credited on cash values, the prevailing interest rates, anticipated changes in the economy, and other such costs that are required to cover all the parties involved. Also, it’s important to note that if the general interest rate of your policy is high, your buyer may demand a higher rate of return.


      •   Loans: Since life insurance policies are generally considered as properties or collaterals, you can use the same to obtain short-term loans through banks; such loans do not require special qualifications and are a good option if you like to retain your policy but need some cash immediately to use.
      •   Withdrawals: This is another option as above and is applicable for whole life insurance; you can withdraw cash from your policy account. It’s important to note that such a withdrawal is not taxable until you withdraw more than the allocated amount.

    If you’re wondering, “How can I sell my life insurance policy for cash?” the following options might help in addition to selling your life insurance.

      •   Surrender: You can surrender your policy to the company for cash in return; this means that you will no longer be holding the policy and subsequently, your heirs will not receive the benefits on the account of your passing away. On surrendering, it’s mandatory that you have held the policy for a considerable number of years, and you will receive the cash after the deduction of any applicable fee.
      •   Payment of premium amount: If you do not like to surrender your policy, this option is an alternative; you can rightfully stop paying the premium amount for your policy to the company. In doing so, the company will hold the policy in addition to your earlier paid premium amounts. It’s important to note that on exercising this option, you will not receive any cash value and your heirs will not receive benefits after your death.

  • Insurance

    How To Decide On A Medicare Plan

    Every one of us wants to get some or other form of medical insurance plan to avoid out of pocket costs in times of emergency medical conditions. But most of us do not know which of the medicare plan is suitable for us and the way the medicare and private insurance providers have named the policies plan A, B, C, etc. makes it more confusing. It is essential that the basics of every medicare plan and policy is understood by an individual seeking to enroll for a plan.

    Factors that help you decide

    Cost is a primary factor that plays huge role in making decisions on medicare plans. Medigap coverage plans have a high monthly premium rates but leads to extremely low out of pocket costs when compared to many of the medicare original or advantage plans. This medicare company offers a nominal monthly premium while covering more types of services and comes as a preferable budget option. There is an overall imitation to the doctors and health care service providers when it comes to medicare services since not all of the facilities accept medical care.  But medicare advantage plans are more limiting and HMO or PPO plans does not offer any out-of network care. Medicare plans also have a limitation in terms of locality. If the nature of your work and lifestyle makes you move around between different locations throughout the year, medicare alone is not sufficient and an additional medigap plan can be a wiser option. Medigap also covers travel outside US unlike medicare advantage plans and are advantageous.

    virginia medicare plans

    Tips to make right choice

    The official website of this company provides simple tools to compare different plans. But, it is not easy to decide on the best suitable options on one’s own and it is a better choice to get professional help. Also, understand that there are strict regulations for medicare plans and you cannot purchase medicare advantage and medigap policy simultaneously as it is illegal. A licensed insurance agent can help in identifying best virginia medicare plans from different companies to know the costs, doctor networks, coverage range and maximum out of pocket estimates for each plan.

  • Insurance

    The Hows and Whys of Medical Insurance

    Most people know about automobile insurance. By law, people must carry car insurance in order to drive. They are savvy enough to contact an insurance agent, obtain a few quotes, and purchase coverage. Medical insurance is a little bit different. Many people, especially those venturing out in the workforce for the first time, are clueless about medical insurance. They’re not sure about what it is, how it works, how much it costs, or how to use it. Here, we try to shed some light on medical insurance.

    Medical insurance is like any other insurance policy. Insurance covers you for “just-in-case.” For example, you have auto insurance just in case you get into a car accident. You have renters insurance just in case your possessions are stolen. Medical insurance is coverage just in case you get sick or hurt.

    Health care is very expensive. A single visit to the doctor can cost hundreds of dollars. If you experience an emergency and need to be transported to the emergency room of the hospital, the ambulance ride alone can be $150 or more. Then you have the actual cost of the treatment, which can run into the thousands of dollars. When you have insurance, your policy covers doctor visits, ambulance rides, x-rays, and sometimes even prescription medication.

    Like other forms of insurance, you pay a premium on a regular basis for medical insurance coverage. The premium you pay will depend on the level of coverage you select. Some insurance plans, for example, require that you use certain doctors or hospitals. In exchange, however, you will pay a lower premium. Other insurance plans will allow you to see any doctor you choose, but the premium will be higher.

    How do you get medical insurance? If you’re employed, most companies will offer you insurance under a group plan. You will have been notified of this on your first day of work. They will provide brochures, lists, and other materials that outline what insurance plans are available to you, how much it will cost, and what the plans will cover. Many employers will pay for some or all of the premium. If you do have to pay for a portion of the premium, it is usually done on a pre-tax basis. In other words, your insurance premium is taken out of your paycheck before taxes are deducted. To obtain medical insurance, you’ll need to fill out an enrollment form within the designated time periods to do so. Usually, you’ll have 30 days when you start working to apply. If you miss the 30-day window, companies have an “open enrollment period” in which you can apply. This period usually comes once per year for only a week or two.

    If you’re unemployed or self-employed, you can find health coverage online or through a medical insurance provider. Because you’re applying individually and not under the umbrella of a group plan, your premiums will be higher. As well, you are responsible for 100% of the premium. On the plus side, you have ultimate flexibility as to what kind of plan you could get. When obtaining health insurance through an employer, the choices are limited. On your own, you might be able to qualify for just about any plan.Learn more about insurance agencies around you with PolicyPedia.com

    Whether obtaining insurance through an employer or on your own, make sure you obtain medical insurance before it’s too late. Spending a few dollars per month today can prevent you from spending thousands in the future.

  • Insurance

    Why is it advantageous to choose group health insurance over individual insurance plan?

    Group insurance is basically a protection package an association gets for the advantage of its workers. The association may outline a self-safeguarded plan itself or select a pre-arranged insurance plan from an agency for group health insurance Virginia.

    Individual insurance is obvious as well – it is simply the protection package an individual purchases for themselves, or for a gathering of individuals, for example, for his or her family. In spite of the fact that the name recommends else, it isn’t valid that an individual insurance plan covers only single person.

    individual insurance plan

    • Cost

    Justifiably, group health insurance Virginia cost less and can be benefited at low or no cost to the employee, much like purchasing in mass some of the time gets you rebates. Every employee won’t need to pay any extra expenses except if anybody selects extra advantages that are not offered to the group. Moreover, premium for group plans is deducted from the pay, instead of individual plans wherein premium is paid independently. This is the reason some may pick not to buy an individual medical coverage plan if they feel that the business’ group medical coverage plan covers their necessities.

    • Convenience

    In spite of the fact that not very normal a situation, an individual might be denied the insurance plan, for an assortment of reasons, be it medical or monetary history. However, with group insurance plans, each person who is a worker of the organization is qualified for the insurance policies and is consequently allowed endorsement for the insurance package. This is likewise in light of the fact that with group insurance policies, the way toward endorsing, wherein the to-be insured medical history is nearly analyzed, is once in a while waived off. Accordingly, it’s a great deal simpler to get a insurance plan through the association.

    In any case, with individual insurance policies, the individual has full opportunity to set the terms of the approach. No one but you can decide for the arrangement to be ceased.

  • Insurance

    Know about Online Insurance Portfolio

    You should never see your business insurance portfolio as just a simple commodity; such an assumption will prove to be one of your worst mistakes in the business world.  It is essential to have the right insurance broker if your business must survive. The broker can link you up with the perfect online insurance portfolio for your business. The right broker can provide the required security against massive loss due to the high-risk situation. If care is not taken, this may cause a complete close down of your business. Such will rarely happen if you partner with the right broker. The right broker will determine the specific insurance needs of your business and also keep in view the appetite and risk profile of the business.

    If you like, you can also make your insurance broker a part of your business or management team; you will find this to be favorable.

    Before you employ a broker, find out if the company has the right resources required for managing your company’s insurance portfolio. Also, find out if the broker has the right education and experience for the task at hand. The right insurance broker must have adequate information about the market and the various claims and coverage available. Each of the policies has its specific details, and an insurance broker with only a general idea about policy terms may not be the best to work with.

    online insurance portfolio

    Ask questions and shop around

    Do not employ the first insurance broker you come across for your company’s online insurance portfolio.  It is better to interview as many as possible so that you can compare and contrast before making a final choice among them.  The critical questions must always be on your lips when looking for the right broker.

    Before shopping around, make up your mind about the specific criteria the broker must meet. Then use the prepared criteria list to make your choice among the professional brokers. Before employing the broker, find out if their business is legitimate and not on the wrong side of the law.  Do they have good testimonials and references? These are fundamental questions to ask when deciding on which professional broker to employ for your company’s online insurance portfolio.

    Some other very important questions to ask

    • Do they have a dedicated claim department? And does the claim department operate 24/7?
    • Are they involved in any other organization that is related in any way to your kind of business?
    • What are their policies regarding documentation presentations for a claim?

    How they answer these questions can determine if they are the right brokers to hire for your online insurance portfolio to not.


    You will never get it wrong with fidentiaX when looking for the right broker to partner with. They have been in the business of online insurance portfolio and have become a household name in same.

  • Insurance

    Benefits of investing in postal life insurance and other insurances

    Although it is preferable not to think that something bad can happen, misfortunes happen, and also at the least expected time. Without falling into pessimism, it is always advisable to be prepared for what may happen throughout postal life.

     Above all, it is necessary to have an economic support that makes the most difficult moments that are presented more bearable, such as the death of one of the members and with it, a significant reduction in the income level of the family. Although mourningthe loss of a loved one cannot be paid with money, the truth is that the benefits offered by postallife insurance will prevent more problems from being added to this harsh situation.

     Far from what may seem, this type of policy is not only for families, but people who are alone can also hire them, as postal life insurance offers the necessary guarantees to cover a situation of disability or dependence as a result of a disease or accident. Each person or family unit can access a different type of policy depending on their needs and economic forecasts.

    Thanks to the different types of policies that exist in the market such as provided by religare health insurance, the insured can choose the form of payment that best suits him (monthly, quarterly, semi-annual or annual).

    religare health insurance

     Benefits of postal life insurance

      • As we have said, the beneficiary or beneficiaries of postal life insurance, as well as the insured, receive compensation from the insurance company as the case may be.
      • The capital received by the beneficiaries in the event of the death of the insured is free from foreclosures. This means that, even if the debts of the deceased were rejected upon receiving the inheritance, the compensation of the postal life insurance is received in full.
      • The capital that the family members charge for the death of the insured is not subject to the Inheritance and Donations Tax (ISD), nor to the IRPF.
      • When it comes to mortgage repayment postal life insurance, at the time of filing the income statement, it is possible to deduct the cost of the policy in the Real Estate Capital Yield.
    • Self-employed workers can benefit from a deduction of 500 euros from the premiums they have paid for their postal life insurance.
    • Another advantage offered by postal life insurance is the possibility of changing the policy over time. In this way, we can adapt the insurance to the situations that are developing, either by modifying its coverage or the list of beneficiaries.
    • A postal life insurance not only protects the family nucleus but also protects the policyholder. The capital can be used to cover the expenses necessary to face any of the circumstances contemplated in the policy and that we have suffered. Although the State receives a certain amount in cases of dependency and disability, for example, in most cases it is not enough to cover the consequences of the situation.

    Although postal life insurance is not mandatory, thanks to all the benefits they offer, they are one of the best options to provide peace of mind every day, since we know that we will be protected against any unforeseen event.

  • Insurance

    Buy the quality HGV insurance for vehicle

    Nowadays, the accident rates involving HGV increased more especially in the rainy & fogged day. Such accidents cause severe problem on your business & financial implications. Because of this reasons only the necessity of having HGV insurance has become high. In fact, having this HGV insurance is the peace of mind for both owner & driver of that vehicle. This HGV insurance is the insurance policy where the owner of the vehicle or insurer pays the certain amount of money that does not get back usually. The amount of money that you pay through insurance policy will cover the damages caused by the unexpected happenings. Even though HGV insurance is purchased by many owners, there are some owners still not understanding the importance of this HGV insurance.  If you are in the need of buying Cheap HGV Insurance, here is the source which is known as total insurance to help you to buy it for possible rate. Since this is insurance comparison service, you will be linked to the brokers to ensure that you got the right insurance cover.

    Buy cheap HGV insurance

    If your business involved with HGV or heavy goods vehicle, make sure that you are covered by the insurance in order to protect you, your vehicle and driver. Generally, this HGV insurance will be expensive, confusing and it can involve some technicalities. But it is very important to have adequate knowledge in basics of HGV insurance. In fact, the business or HGV owner has 2 different options about HGV insurance and that offer coverage for 2 different settings.

    • Employer ability policy provides financial coverage the damages occurred in the various kinds of accidents.
    • Public ability policy offers the coverage against the damage that cause to the business by public. This coverage includes employer and vehicle.

    Apart from those two policies, there is one new policy has designed that is known as haulage exchange insurance policy. This offers the insurance coverage for the damages caused to the cargo or goods which carried out by the HGV.

    If you want to buy this Cheap HGV Insurance, choose the right insurance source which can be obtained by comparing the coverage of various brokers on the total insurance source.

  • Auto Insurance

    An Overview on Used Car Insurance

    Anyone planning to buy a new or used car has a vast range of options to choose from in terms of type of car, manufacturer, gas, electric or diesel etc. Whatever the person chooses to purchase at last, it is vital from the onset to realize the several additional costs that can be acquired by either selecting the wrong type of finance or not appreciating what insurance costs could be involved.

    The buyer and seller of the car need to understand the insurance policy of the car, terms and conditions, when it comes to shifting the policy, holding no claim bonus reductions. Unable to pay attention to these things can prove to be costly and awkward for both the buyer and the seller. Although the insurance buying policy is almost the same like the new car but there are some differences.

    Mentioned below are some of the important things that you should keep in mind when trying to purchase insurance for your car:

    • At first it is important to make an estimate about the cost of insuring your car. In case you are an owner of a vehicle, out-and-out, you can select whether to just purchase liability insurance, or to purchase optional expanded coverage to safeguard your auto. But, if you are hiring a vehicle, or have a loan from a financial institution for your car, you may be needed by your loan to buy a definite amount of extra coverage. If you do not own your car out-and-out, contact your moneylender to find out what coverage you should buy.

    Once this is done choose your liability coverage and then think about if you want to purchase any coverage. In addition to this conduct a research on other factors that may also upsurge the insurance cost.

    • In the next step get a decent auto insurance rate. Once you are done with estimating your insurance necessities and added costs, it is time to look for the best rate. You can begin by finding insurance providers in your area and assessing their trustworthiness. You can ask for the insurance quotes and then compare their premiums and discounts.
    • Once you are done with all these things, you can check the terms of the current policy.

    These are some of the important things that you should keep in mind when trying to purchase insurance for your car. Remember that evidence of insurance is mandatory by law, so ensure you store a copy of your insurance card in your car in case you are in a mishap.

    American Federal Auto is a prominent car dealership company that is known for offering assistance in regards to insurance buying, financing as well as other services. The staffs here are very much competent and ensure that all clients here get the best quality services and that too at an affordable price rate.

    So, if you are planning to invest in a used car, do not forget to get in touch with American Federal Auto to get more information.