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.

 

4Feb

Do I Need Life Insurance After Retirement?

Retirement does not always equate to having financial stability. A few possible circumstances that leaves you in this kind of situation are:

Forced retirement

Failed investments

Providing financial support for an aging family member or children who are still living at home

If you find yourself in debt or  responsible for someone’s well-being, then the short answer to the question is, “YES” you need life insurance even after retirement.

HOW MUCH INSURANCE DO I NEED?

It’s important to evaluate where you stand financially upon retirement. How much are your monthly expenses? Are there federal or state taxes that need to be paid? There are also things like probate costs, administration costs; there might be final debt or a mortgage on house, too. So as long as there is some type of financial exposure, you need life insurance to match up with that.

CAN I STILL GET INSURED AFTER RETIREMENT?

Yes. Of course, premiums will be higher which is why it’s advisable to get life insurance cover as early as your 20s or 30s. The greatest value of life insurance after retirement is that surviving family members or your spouse is left with financial security after the insurance holder’s death.

WHAT OTHER BENEFITS ARE THERE IN GETTING INSURANCE AFTER RETIREMENT?

Other benefits is that you can use the sum to help you pay for medical expenses–this is if you feel that you will no longer need the death benefit. This is called the accelerated death benefit provision. You have the option of choosing permanent life insurance to have money safely tucked away with zero risks.

You may also need to think about getting health insurance since more seniors are prone to health complications–thus more spend on medical needs. Although Hong Kong has a wonderful healthcare system, retirement will most likely lead to more trips to the hospital and getting more prescription drugs to maintain your health.

Ask us about more details on life insurance or health insurance or email us at info@villageinsruancedirect.com.

 

27Jan

Information on Scoliosis in Kids: Treatment Options in Hong Kong

WHAT IS SCOLIOSIS?

Scoliosis is a lateral (toward the side) curvature in the normally straight vertical line of the spine. When viewed from the side, the spine should show a mild roundness in the upper back and a degree of swayback (inward curvature) in the lower back. When a person with a normal spine is viewed from the front or back, the spine appears to be straight. When a person with scoliosis is viewed from the front or back, the spine appears to be curved.

CAUSES

The causes for 80 to 85% of all scoliosis cases are usually unknown. Boys and girls are equally affected by small curves, but girls are eight times more likely to develop progressive curves. According to recent research, about one in three children whose parents have scoliosis will develop scoliosis. Scoliosis is considered a partially genetic condition; however, exactly which genes cause scoliosis is inconclusive.

MYTHS

Parents should understand that the following factors are not associated with the condition:

  • Carrying school bags
  • Bad posture
  • Unequal leg length
  • Back injury
  • Playing musical instruments
  • Sports activities

TREATMENT

There are 4 big hospitals that specialize in both children and adult scoliosis treatment. Check your insurance provider if these are part of their partner institutions.

For moderate curves in growing children, brace treatment is recommended. Braces will not completely eliminate scoliosis. However, a well-fitted and diligently worn corrective brace can significantly slow or prevent curve progression.

For the very small number of children with severe curves, internal fixation is applied to the spine to correct the curve within the limits of safety. Nowadays, surgery for scoliosis has been made very safe by major advances in surgical techniques.

Get a family insurance policy that covers treatment and therapy for scoliosis. We help expats find the best health covers that include medical insurance for children. Get in touch with us today.

19Jan

Updated Guide to Hong Kong Healthcare

Hong Kong remains as one of the best providers of public healthcare in the world. However, as expats, it is always advisable to prepare one’s self with the proper insurance cover to for any unforeseen circumstances such as the need for repatriation or emergency surgery.

Hong Kong’s public sector has 42 public hospitals, 47 specialist out-patient clinics, and 73 general out-patient clinics, all organised into seven clusters according to their locations.

Here is an updated information on the country’s healthcare system as of 2018.

PUBLIC HEALTHCARE

Hong Kong provides residents with excellent and highly affordable health services. The life expectancy in the country is currently the world’s third highest and infant mortality is the ninth lowest. Here is the list of public health institutions.

DOCTORS

Finding your preferred doctor is easy; simply log on to the government’s Primary Care Directory and select your specialist. Antenatal and postnatal care, well women services and childhood vaccinations take place at 34 dedicated Maternal and Child Health Centres across the SAR.

When attending an appointment, you’ll be asked to register with your Hong Kong ID and pay a small fee, usually by cash or Octopus card.

There are also a good number of private healthcare practitioners in Hong Kong, and access to their services will depend in no small part on your individual insurance coverage. Some insurers provide a pre-approved list of doctors, whereas others will allow patients free choice of doctor according to their policy’s financial limit. Opting to visit a private doctor will usually mean that you can choose your specialist according to your own needs and schedule, with shorter waiting times than in the public system.

Make sure to ask your insurance provider and confirm your cover details as well as payment methods.

HOSPITALS

In an emergency, you’ll be transported by ambulance to the nearest public hospital for treatment. With 17 public hospitals across Hong Kong providing Accident and Emergency services, and air ambulance services available to assist with evacuation from Hong Kong’s less accessible regions, you’re never too far away from help. Hong Kong’s A&E care operates on a triage basis, and is charged at a flat rate of $100 per visit. Once assessed by a doctor, if you’re subsequently admitted to hospital, you’ll be charged a $50 admission fee, then $100 per day, payable by cash or Octopus card.

There are currently 11 private hospitals that are internationally accredited in Hong Kong. Most provide 24-hour outpatient services for urgent cases and can arrange transfer to a public hospital for accident and emergency services if deemed necessary. Many of Hong Kong’s private hospitals are renowned for their specialist areas of expertise, including obstetrics and gynaecology, orthopaedics and ophthalmology, to name a few.

As with private doctors, you should always confirm the hospital’s billing process with your insurer, and check that any extras, such as medicines, private accommodation or out-of-hours surgery are covered.

To get the best insurance for personal or family cover, get in touch with us. We specialise in insurance for expats in Hong Kong.

5Dec

Prostate Cancer Information in Hong Kong

Prostate cancer is among the most common cancers affecting men. In Hong Kong, it’s the fifth most common cancer with over 1,600 new cases every year and is the 3rd most common type of cancer among men in Hong Kong.

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The prostate is a gland that’s only found in men. It’s usually the size of a walnut, and is located below the bladder, surrounding the first part of the urethra, which allows urine to pass from the bladder to the penis. The prostate produces semen, a thick white fluid that mixes with the sperm produced by the testes. It also produces a protein called prostate specific antigen (PSA), which turns the semen into liquid. Prostate cancer is generally a slow-growing cancer, typically occurring in men over the age of 50. Research shows that over a third of men over 50 have some cancer cells in the prostate, while almost all men over 80 have some cells. The cause of prostate cancer is unknown, but generally the chance is increased if there is a positive family history; it is also more common in Western men.

SYMPTOMS

The symptoms of prostate cancer include:

  • reduced flow of urine
  • increased frequency in urination
  • uncomforatble urination
  • persistent pain in lower back, hips and thighs
  • in some cases, bloody urine.

EXAMINATION

The diagnosis of prostate cancer may include a digital rectal examination (DRE) by a doctor. Digital here is different to the “digital” in electronic equipment. Apart from DRE, PSA can be tested in blood to detect the presence of prostate cancer. However, PSA alone is not very accurate in diagnosing cancer.

It is important to have one’s self examined once you hit 40. Village Insurance’s best practice for recommending covers for males is to find insurance that also covers diseases such as prostate cancer. Insurance can cover treatment and maintenance for cancer.

We can help find the best global insurance for expats in Hong Kong. Get in touch with us for any inquiries. We’re always quick to revert.