With the increase in online transactions due to decreased in-store operations in Hong Kong, is your business covered for cyber threats?
As we go through different phases of our lives, so do our needs for health insurance cover. Does your current plan still cover your needs or are there parts of the policy that are not longer needed?
Health insurance covers must also adjust to the rest of your family member’s needs which is why it’s important to check with your provider every two years.
Here are questions you should ask when reviewing your policy:
1. Is my policy limit enough to cover my needs and my supplementary? There are policies that offer unlimited annual policy offers.
2. Do you have plans of moving or traveling more frequently? This means you might need a health insurance policy that covers the places you will be traveling. There are international health insurance covers that follow you wherever you are and plans that excludes the US or UK.
3. If you’re married and have a growing family, is your insurance plan able to adapt to maternity and child needs?
4. Do you need to add a policy for pre-existing, mental, hereditary, congenital and chronic conditions?
5. If you have a policy taken care by your current employer, you also need to evaluate if you’ll need a separate private medical insurance if there are plans of changing jobs. Check if the company health insurance covers for family members or for chronic diseases. If you have special medical needs and your company insurance does not cater to its treatment, an international health insurance cover should be able to take care of what’s lacking.
AS AN EXPAT, CONSIDER INTERNATIONAL HEALTH INSURANCE
This health insurance policy is generally comprehensive and can cover maternity and cancer treatment. It all depends on your needs as well as your family’s. Village Insurance Direct helps expat find affordable and complete international health insurance from established providers in Hong Kong.
As an expat, you need to foresee if you will be moving in the next years and having international health insurance that follows you wherever you will give you peace of mind in situations where a local hospital may be unable to provide for your needs. The advantage of having this type of insurance is also having local service from your provider’s customer support so you know exactly what your policy can cover.
Ask your insurance provider about your current policy. It is also crucial that you do your own research especially if you’re paying a substantial amount for medical insurance you yourself and your family.
As the coronavirus crisis grows, should you stay or should you go when you’ve already booked your flight?
Here are quick answers to your frequently asked questions:
Q: Should I still travel?
A: The advice is against ‘all but essential’ travel. The Foreign and Commonwealth Office (FCO) is currently advising against travel to a number of areas due to the ongoing outbreak. Please check the UK FCO website for country-specific information.
Be aware that there may be enhanced screening/monitoring at entry and exit ports. In some countries, you may also be required to self-isolate for a set period, even if you do not have symptoms.
Q: Can I get a refund if my flight is cancelled?
A: Flights to affected areas are being cancelled based on FCO advice and some are solely due to a downturn in bookings.
If you booked directly with an airline, you are eligible for a refund or to rebook free of charge (although you may still have to pay any fare difference incurred). If you booked through a third party, you will need to contact them to find out your options.
Q: I’m apprehensive to travel but I’d like to push through. What does my insurance cover?
A: Airlines, tour companies and insurance providers have no obligation to offer refunds based on panic.
So if you decide not to travel to anywhere outside the FCO travel risk list, you are unlikely to get refunded. It’s worth checking because some providers may allow you to move the booking as an incentive or an act of goodwill.
Q: Am I insured for cancellations?
A: Contact your airline, hotel or tour operator to check their policy.
If they can’t help, you will most likely need to have travel disruption cover included in your policy if you plan on travelling and getting insurance.
AA, Co-op, LV and Virgin Money all have policies that will cover for cancellations based on FCO advice, and hotel costs should your flight be cancelled. You also have protection using a credit card if your booking was more than £100.
Q: What if I end up in quarantine?
A: Comply with the rules of local authorities, which will probably involve a 14-day quarantine. It is unclear who will cover the cost of your journey home: either the UK Government could arrange a rescue flight or your travel insurance could cover your return. Check your policy provider.
Most insurance policies will cover medical costs should you become ill overseas but make sure you check the small print. If you’ve booked and simply don’t want to travel because you’re worried, you won’t have grounds for a refund.
Upon Your Return
Returned travellers who feel unwell with either a high temperature or new continuous cough, need to self-isolate for 7 days, see the Public Health England stay at home guidance. There is no need to call NHS111 to go into self-isolation. However, if symptoms worsen during home isolation or are no better after 7 days, returned travellers in England, should contact NHS 111 online. Those without internet access, should call NHS 111 and for a medical emergency dial 999. In Wales and Northern Ireland contact NHS 111. In Scotland, phone your GP or NHS24 (111).
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.
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.
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.
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.
You know what can make your travelling more fun? A comprehensive set of rules.
Here are 10 travel commandments that all wanderers have to live by:
- Thou shall plan ahead
Contrary to the carefree facade that is displayed, travelling actually involves so much planning. What places should I go to and will there be time? Where do I stay? How much money should I bring? How many clothes do I pack? Does my travel insurance cover my destinations?
The truth of the matter is, preparation is the key to a carefree vacation. Planning ahead can save you from a whole lot headache should the unforeseeable comes.
- Thou shall not travel without insurance
Extra security is always welcome when travelling especially if you’re exploring an unknown territory. Travel insurance may be costly but you’ll be thanking yourself when you lose a bag, miss a flight, or get sick while travelling abroad.
- Thou shall stay in budget
Sure. It’s nice to buy your 6th mahogany turtle display, but is it really necessary?
- Thou shall pack smart
Packing has to be the most tedious task in travelling. Always keep in mind to pack only what is necessary to avoid being weightlifter your entire trip, BUT also have at least 2-3 sets of emergency clothes. You don’t want to end up using both sides of your underwear, don’t you?
- Thou shall eat the local cuisines
Whether it’s the famous hawkers in Singapore or the lechon in Cebu, Philippines, travelling is not travelling if you don’t try the local’s specialty dishes. The food is part of the culture.
- Thou shall refrain from fast food
I know, McDonald’s is calling you but it’s still going to be there after you’ve gone home. That stew made on goat innards will not be. Live a little and try something different for your palate.
- Thou shall lessen social media
People travel to get away, to disconnect. Travelling should be an immersion but you can’t really, fully do that if 75% of your attention is on your Instagram “Likes”, and 15% is on your “Stories”.
Just post one photo then go offline. Open it again when the has come to an end. Enjoy your travel in real life.
- Thou shall know and respect another’s house
Gain hindsight of the place you’re going. Research on their laws and a bit of their culture and, most importantly, respect them. Don’t ever think you’re exempted just because you’re not “one of them”.
- Thou shall keep an open mind
Hate to break it to you but, believe it or not, cultures and customs other than yours exists. Sometimes your weird is another’s normal, what’s nothing for you can be a sign of utmost disrespect. The world is a kaleidoscope. Try to see it in all its colors.
- Thou shall be brave
Travelling can be scary, especially if you’re doing it alone for the first time. It takes an outstanding amount of courage to take that literal first step out to the world. And sure, mishaps can happen but think about what a great story you’ll have at the end of it all.
For help with international travel insurance, click here. We specialize in finding the best insurance for expats living in Hong Kong.
What draws you to travel?
What blossomed in the East started to find its way into the global palate. Expats from Europe and the US have made gastronomic trips to Asia to further understand the culture of each different country, from the bowls of spicy noodles to the more exotic street and hawker stalls.
However, there is a limit to knowing the world through cuisines. Embedded within us is a limiting agent in the form of allergies to remind us that our body can only handle so much.
Allergies are our body’s unique way of telling us what is compatible and what is not to our system. The reactions extend to the basic choices we make such as “tasty” or “not”.
By law, the FDA has listed eight categories as designated food allergens (Milk, eggs, fish, shellfish, nuts, peanuts, wheat, and soybeans).
The categories seem easy on first glance until you realize that food allergies vary individually. Recent researches highlight the stark contrast with allergens through regions, such as in the West versus the East. This is vital information for travellers.
Here are a few common food allergies to help backpackers, expats, and casual travellers be more cautious while they explore Asia through food.
According to a paper written in 2013, shellfish tops the list in food allergens in Asians, particularly in children, mainly due to its availability and demand in the region. A 2014 study from the Singapore Medical Journal, also reinforces the idea. While a lot of Asian cuisines is built on shellfish, a large chunk of the population remains highly allergic to it.
Peanuts remain as the top allergen in America and in some parts of Europe. The total number of cases in Asia is relatively low, but in some areas like in Singapore, the statistics prove otherwise. A good 15 years ago, peanut allergies had lower cases and aren’t considered a top allergen, until recently. This is a testament to the changing diets Asians have had through the years.
Rice is the staple carbohydrate of every Asian. But to have wheat included in the list makes you want to feel bad for craving for bread as much as the next guy. Japan and South Korea, two countries famous for revolutionary modern takes on bread, suffer from prevalent cases of wheat allergy. They also rake in high numbers of anaphylaxis cases from this specific allergen.
Travel as much as you like, and eat as much as you like. Food allergies exist to make you aware of your limits, but not to scare you to crawl back to your comfort zones. Be bold and stick NOT with what you’re always comfortable with, but with what you’re COMPATIBLE with.
Serious allergic reaction to food can cause some people to be hospitalized. To be more secure during your travel, make sure you find a travel insurance that covers emergency hospitalization in the country you’re travelling.
We find the best travel insurance for expats living in Hong Kong.
In this day and age, Hong Kong stands strong in offering a lot more than tourist attractions and sparkling history. On par with many first-class countries, it prides itself with an excellent healthcare system. For both its residents and expats alike, it has become the place of choice for maternity and childbirth, owing to the structure in its services.
The Hong Kong health system, like many others, is categorized into two: the public and private sectors.
Being a Hong Kong resident with an “identity card” provides you with numerous benefits, including full utilization of their public health system.
Some say that it gets trickier and more complicated when it comes to foreigners, but there’s always no reason to feel lost and left out. Local or not, there’s nothing a good preparation can’t solve.
Adjusting to a childbirth in a foreign country is the first step. As mothers near their delivery, the next logical step is to figure out whether a C-section or classic delivery setup is the way to go.
Crunching the hard digits
In general, the World Health Organization suggests a 10-15% rate in C-section deliveries vis-à-vis a country’s healthcare status. Since last year, numbers of C-section deliveries have been steadily increasing around the world. Currently, the Dominican Republic holds the top spot with 56.4%. According to this October 2018 research, Hong Kong currently has a Caesarian birth rate of 35%. It stands toe-to-toe with other countries like Turkey and Brazil, who each report rates of over 45%.
The good versus the bad
It is the expectant mother’s choice as to how she wants to have her baby delivered. However, in some cases, it is the doctor’s call whether to perform the surgery or not, particularly when the necessity arises in the situation.
C section deliveries are beneficial for mothers who are unable to bear the stress of the labor process. It is also recommended if more than one baby will be delivered. The procedure helps minimize the risk of having the baby contract a disease from passing through the vaginal area.
However, it also offers a balanced number of downsides. Mothers who opted for the surgical process tend to stay longer in the hospital for recuperation. There is an increased risk of pain or infection following the surgery and soreness is almost guaranteed. Staggering levels of blood loss may also provide low levels of Hemoglobin.
As an invasive procedure, C-section deliveries generally cost way more than vaginal births. Rates within Hong Kong vary with different hospitals, ranging from standard HK$ 17,000 to pricey lengths such as HK$ 141, 000 for high-tier private hospitals. As of June 2018, for example, the fee for a C-section surgery in St. Paul’s Hospital in Causeway Bay starts at HK$ 18,000 versus their fee for a vaginal birth which starts at HK$ 15, 000.
Ultimately, the choice rests upon the mother’s shoulders. There may be slight differences between private or public hospital settings but one thing remains the same: This is Hong Kong, and both options carry a high standard when it comes to medical care.
Village Insurance Direct provides expats in Hong Kong with health insurance that covers maternity expenses. Contact us for more information.
It can be stressful and worrisome for parents to send their children abroad to study. Health emergencies, lost property, and tuition are some of the most common concerns from parents.
Fortunately, there is a specific insurance dedicated to cover these emergencies for students studying abroad. Eligibility includes:
- Hong Kong residents
- Full-time student aged 35 years old
- Having proof of admission issued by a recognised institution of learning outside Hong Kong
The infographic below shows key information about Study Companion Insurance.
Cancer takes more than lives. It also goes after a hefty amount of your savings.
In just a span of two years, half of all US cancer patients breeze through their funds, accentuating a total of $92,000 in twelve months.
This is all detailed in a new study called “Death or Debt? National Estimates of Financial Toxicity in Persons with Newly-Diagnosed Cancer” which was published this month. According to its findings, these heavy costs are mostly of risk to be shouldered by the elderly and those without insurance, among others.
In the US, cancer comes second to heart disease as the undisputed title-holder of the most notorious killer.
But unlike heart disease which has a pool of research and funds dedicated to it, the cost of cancer treatment, for any country is financially unfathomable. Annually, 1.6 million new Americans are diagnosed with cancer. From this, 600,000 barely finish treatment and die.
The healthcare system credits to spending $87.8 billion yearly for patients. Specifically, unfinished treatments resulting in death leads to a $130 billion cost.
A huge portion of treatment expenditure still falls on the patient. The American Cancer Society along with the Cancer Action Network reports that as of four years ago, findings revealed that patients still shouldered a total of $4 billion on their end just for seeking cancer treatment.
Crunching beyond the numbers
The core of the study took 9.5 million patients and 16 years to see completion (1998-2014).
Setting aside the statistics, the medical study delineates the kinks that needed to be worked out when it comes to medical budget and productivity.
The journal is an updated study from the same set of authors from five years ago and is published in the American Journal of Medicine. Initially, in the study’s first findings, it revealed that cancer, specifically, breast cancer, accounts for 33 million sick days among the US working citizens annually.
The update to the study echoes a more heartbreaking revelation: half of the cancer-afflicted patients within their study have started and been easily sunk into bankruptcy due to treatment expenses.
This brings a new reality to the table: that the economy pulls a really tensioned string even to cancer patients who struggle with the cost of treatment.
When toxicity seeps to your finances
A big danger lies in the fact that the risk for financial toxicity goes greater with cancer treatment. After years of fluctuation in the economy, one would think that the financial burden on the patients would’ve lessened but has so far remained consistent.
Grant Skrepnek, one of the paper’s writers believes the results were “shocking,” seeing as to how figures have reached higher levels, which he has seen in his 20 years in cancer research.
Despite the advent of immunotherapy, which is pegged as a vital tool for the possible elimination of cancer, Skrepnek believes that it also has downsides, such as its ability to hamper predictions for cancer trends.
Jennifer Singleterry believes otherwise and sees a bigger threat in short-term healthcare plans.
Singleterry, a senior policy analyst from the American Cancer Society is concerned with the coverage of these health care plans, which have a limited coverage and “caps” – which hurts finances as it doesn’t include cancer treatment.
She adds that dependency to these short-term plans will only be harmful to those afflicted will illness, who will be left with even higher insurance premiums.
What this ultimately reveals is another layer of fear added to cancer: first the diagnosis, and now the financial horrors.
Village Insurance Direct helps expats in Hong Kong find critical illness insurance. Contact us for inquiries.