Travel Insurance

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• Up to S$1,000 for delay baggage
• Up to S$5,000 for loss or damage of luggage
• One-way Trip cover for those travelling overseas to stay for a long period of time
• Annual Travel Plan to provide cover for the whole year, regardless of the number of trips you make
• Fire cover for your home contents whilst you are overseas
• Up to S$300,000 in the event of accidental death and permanent disablement
• Up to $600,000 in the event of accidental death on public transport

Round the clock - 24 hours Travel & Medical Assistance

Take advantage of our 24 hours Travel & Medical Assistance through International SOS Pte Ltd, which provides a host of information and services including:

• Arrangement of appointments with doctors
• Arrangement of emergency medical evacuation
• Arrangement of hospital admission
• Arrangement of repatriation of mortal remains
• Embassy referral
• Emergency travel assistance
• Foreign exchange information services
• Inoculation and Visa requirement information
• Interpreter referral
• Legal referral
• Lost luggage/passport assistance
• Medical service provider referral
• Telephone medical assistance
• Weather information services

New benefits:

• Up to S$300,000 reimbursement of medical expenses incurred overseas including treatment by Chinese Physician (subject to a maximum limit of S$350 in the aggregate per trip)
• Daily hospital allowance of up to S$200 if hospitalized overseas or in Singapore upon return
• Up to S$6,000 reimbursement for one relative or friend to accompany your children home in event of your hospitalization overseas
• Enhanced coverage for trip delay, cancellation, curtailment, overbooked flight/missed connections and hijack
• Coverage for trip postponement, interruption, hostage/kidnap and rental vehicle excess
• Free automatic extension of cover up to 30 days in the event of return trip being delayed under specified circumstances. For instance, hospitalization or been quarantined overseas
• Loss of personal money and travel documents of up to S$5,000
  

Brochure -1: Coverage and Benefits Details - click picture to zoom in




Brochure -2: Premiums and details you need to know - click picture to zoom in



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10 ways to overcome the shrinking dollar

Straits Times just published a very good article yesterday on inflation corroding the value of money. It gave suggestions on how to stop our money from shrinking. Click on news-article below to zoom up for reading. The article highlighted that if inflation is at 5%p.a., it will take just 10 years for the money to be reduced to $5,987 only. Huge sums of money in ordinary savings accounts will be affected most.

The gist of the article and towards financial independence is to ensure our value of monies will not reduce overtime...Imagine someone earning $3,000 monthly, and inflation is 5%p.a, meaning the actual pay is only $2,850 monthly. Calculate this, and you will find a loss in the money value of $150/mth, multipy that by 12 months...and the money loss is $1,800 yearly.! And this salary/money will keep on depreciating in value if there's no income increment and inflation keeps on maintaining the pace.

Singapore CPI was at 6.6% in Jan 2008, below is a new article for your reference.

Singapore's inflation hits 25-year high of 6.6%
By Margaret Perry, Channel NewsAsia | Posted: 25 February 2008 1328 hrs

http://www.channelnewsasia.com/stories/singaporelocalnews/view/330959/1/.html

All of us, from low to high income, need to protect our hard earned monies from corroding due to inflation , and price hikes (e.g. recent articles on rice being sold out and prices going up). Inflation is part and parcel of our life, it grows as our economy, Asia, China and India grows, we really need to ensure that we stay ahead of this race