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.

 

15Sep

Is Localization of Expat Salaries in Hong Kong A Positive Change?

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‘Expat’ has been a word synonymous with wealth and luxury. Being an expat meant living on a generous salary plus benefits and allowances from the company one works for. It meant living in classy locations in swank apartments, sending one’s kids to the best schools, eating in expensive restaurants, and travelling to the most beautiful countries.

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Not all expats enjoy the comforts associated with living in Hong Kong because of work. Research has shown that since 2004, most expats in Singapore, Hong Kong, and Shanghai have been given the localised compensation, in which companies give their employees pay that is comparable to those being offered to locals.
With localisation, the base salary is lower than those of regular expats and no longer includes benefits such as:
  • Allowances
  • Social security
  • Retirement
Obviously, fancy dinners, extravagant vacations, and prestigious schools are also no longer in the picture.
Still, expats don’t always see this as a loss on their part and similarly, companies don’t practice localising to reap the benefits. Localisation for expats can be seen as an opportunity to take charge of their own life someday. Because along with the generous salary and benefits of the old compensation came the reality of being tied to the company for an indefinite amount of time. This isn’t necessarily a bad thing but some prefer the freedom of being able to pick up and leave and move on to another job whenever they want or relocate to a whole new place. Deciding their own future is a big plus.

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This is also why localising isn’t a win-win deal for companies either. Despite the practice saving them money in the face of difficult economic conditions, they also no longer have a financial bind on their employees and thus risk the possibility of losing their talents.
This is why some companies offer a “local-plus” package to aid their employees in managing their finances and adjusting their spending habits over a period of two years. This package also includes benefits such as transportation, housing, and education for their dependents.
Companies also know who to localise versus those they know won’t stay unless given the full compensation and benefits package. The former is usually the younger employees who are grateful for any opportunity while the latter is the more senior employees who have been loyal to the company and therefore deserve such benefits.
While localisation may mean keeping a closer look on the household budget and saving up for the children’s college education, it also means a certain freedom career-wise that isn’t possible with the generous package. And it’s also a desirable strategy in the long run for companies; it helps them maximise the talent they have in their employment and saving themselves money in the future. So it looks like localisation in the expat world is here to stay.
Village Insurance Direct provides expat assistance in finding insurance to cover personal and business needs while in Hong Kong.Contact us or LiveChat with us for more information.