30May

Expat Guide: What to Do in Your First Year in Hong Kong

After living in Hong Kong for one year, you probably already know its famous landmarks and where to find the best Chinese food like the back of your hand. But here are more things you might need to know to settle in nicely and comfortably for the rest of your stay in this thriving, cultured, and fast-paced city.

buying car

  1. Owning/leasing a car and getting a driver’s license
Many Hong Kong residents don’t really consider a car a necessity. The city is small and the public transportation system is renowned for its cleanliness and efficiency. But some expats still feel incomplete without a vehicle. If you have a family or if you’re living in the New Territories, having your own car does have its advantages. You can set your own schedule of coming and going and if you want to relax, a drive to the rural areas to go biking or hiking is made much easier.
If you do decide to get a car, you’ll need a locally-issued driver’s license as your foreign issued license is only good for a year. Here’s what you need in order to be issued with a 10-year Hong Kong license:
  • The current fee
  • The originals, AND copies of, your home license, passport, and HKID card
  • Those over 70 years of age must complete medical form TD256
  • Proof of address, no older than 90 days
You will need to have resided in the country of issue for at least six months since your license was issued, you have held the license for at least five years, and present your passport issued in the same country as the license.

bank account

2. Opening a bank account
If you haven’t opened a bank account in Hong Kong yet, now’s as good a time as any! It’s a straightforward process and being a major international finance center, nearly all major banks are found in Hong Kong. All you’ll need is your passport and a recognized proof of address although some banks may need to see a work or residence permit. If you already have your HKID, this can be used instead of your passport. If your work requires you to travel a lot, HSBC and Standard Chartered are the best banks to accommodate you.

hiking

3. Nature trails and beaches

Of course there’s more to Hong Kong than just the hustle and bustle of business. If you love the great outdoors and yearn to get away from the big city often, Hong Kong has such easy access to nature. Hike the high peaks of Lantau to get a stunning view from the top. Find secluded beaches in Sai Kung and rent kayaks by the hour and revel in the tranquility you can find in such a major city.insurance_0

4. Getting health insurance
After living a year in Hong Kong, you’ll start to get a feel if it’s the right place for you. The city attracts expats because of its unique marriage of Western and Eastern cultures and the great work opportunities it offers. The food is nothing short of amazing and there’s always something to do whether its a fun night out in the city or a quiet drive to the south. If you decide to stay in Hong Kong, you’ll enjoy it so much more with the peace of mind knowing you have health insurance. We can help you get started on the health care that is best for you and your family. Your great new life in Hong Kong is about to begin!
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16May

Easing the Process of Moving to Another Area in Hong Kong

For a lot of people, just the thought of moving can be quite stressful. Where do you even begin? Where can you find time to do all that packing? What if some of your things get lost or damaged? But no matter how stressful it can be, the promise of a better location, better house, or a better life is exciting. And the stress can be managed if you acquire the help of a moving company which Hong Kong has a lot of. Once you get in touch with one, they’ll guide you through what to do at the beginning up to the very end.

Here is a step-by-step guide to moving houses or offices:

1. Talk to your mover

This is pretty obvious. But what specifically should you let your mover know? Your packing and moving dates for one thing, that’s a no-brainer. There’s also things like whether you want to move your belongings by air or sea, if you want your things delivered straight to your new door or at the nearest port, if there are customs or quarantine regulations you need to know about, and if you need extra services once you’ve gotten all your things together. You’re not just hiring them to move your moving boxes from Point A to Point B, their professional opinion is also a great addition.

2. Get your quote and insurance

Once you know exactly how you want your home contents moved down to the last detail, the movers will give you a quote. Then you’ll need to take care and submit the necessary paperwork. And most importantly, you need to get moving insurance. No matter how careful your movers are and how well things are planned, accidents can always happen. It’s best to be prepared, get a coverage plan and a valuation for your valuables. Here is a more detailed guide on what you need to consider.

3. Packing time

Actually this is the movers’ job so what you need to plan is being out of the house on the day that they’re arriving so you won’t get in their way. No need to worry about boxes and how to pack what sort of item (whether it should be bubble-wrapped or padded with styrofoam), it’s part of their job to provide and know all those things.

4. Shipping them out

Once your belongings are ready to be shipped off, it’s important to get all the details. The tracking number of your shipment, the vessel or flight details, departure and arrival dates of the shipment, and contact details of the agent who will handle your belongings once they arrive. That last one is important. You need to get in touch with the person responsible for taking care of things like customs, storage, and delivery.

5. New home sweet home

When your belongings arrive, leave it to the movers to do all the unpacking while you peruse a list to make sure everything is accounted for. They’ll even set up your furniture they way you like it and even take care of getting rid of the empty boxes. Then, once everything is squared away, just relax and enjoy your new place!

And remember it’s always best to get Home Contents Insurance or Office Insurance to make sure you’re adequately covered and reduce the stress when things don’t go as smoothly as you would have liked. If you’re renting, we also recommend getting Renter’s Insurance. We can help arrange this for you at Village Insurance Direct.

2May

Tips for Staying Fit While Pregnant

Exercise during pregnancy is different for every expectant mother. The most important tip to remember is to get clearance from your doctor before engaging with any type of fitness plan.

Women who regularly exercise and have been physically active prior to conceiving will more or less have zero issues with working in a fitness routine in their day. Walking is considered a safe and simple way to get one’s heart rate up.

CALORIE INTAKE

Although you are eating for more than one person, doctors advise that it is important to keep track of your pre-pregnancy weight to determine your required calorie intake to maintain your body’s and baby’s need for proper nutrition.

If your body mass index (BMI) is in a healthy range (between 18.5 and 24.9), you’ll need to eat about 340 more calories a day in the second trimester than before you were pregnant and about 450 more calories a day in the third trimester

PROPER WARDROBE

Stay comfortable by choosing looser fitting clothes that breath and regulates body temperature. Pregnant women tend to have higher body temperature and may overheat during a workout. In addition, make sure your maternity bra is supportive enough, and choose athletic shoes that fit properly. With your feet a little swollen than normal, choose footwear that is 1 to 2 sizes bigger.

EXERCISE AND STRETCHING HELPS WITH BACK & HIP PAIN

Common problems during pregnancy are increased lower back pain, pelvic instability, urinary issues, or reduced functional strength of the abdominal wall. Exercising during pregnancy helps reduce muscle tension. Prenatal pilates and yoga are popular fitness routines women can safely do to help with the usual discomforts of the condition.

STAYING SAFE WITH PROPER MATERNITY INSURANCE 

Maternity insurance covers costs for pre-natal and post-natal treatments. It also covers cost for natural or caesarean delivery where the latter can get very expensive without private insurance. Maternity insurance with extension also helps with costs incurred for fertility treatments and congenital birth defects.

Village Insurance provides help for expats in Hong Kong in finding the best maternity insurance for all of your needs. Get in touch with our agents for more information.