Insurance for Expats in Singapore

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Expat Insurance
Singapore “Broker of The Year 2016”, Expat Insurance is a leading provider of insurance for expatriates and business in Singapore. We specialise in providing professional insurance advice on a complete portfolio of products including: Employer Benefit Programmes, Business Insurance and Medical Insurance, Home Insurance, Travel Insurance and Motor Insurance.

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Insurance for Expats in Singapore

Expat Insurance is an award winning provider of insurance for expatriates and business in Singapore. The company won Expat Living readers award for “ Best Insurance” and was a Winner in British Chamber of Commerce Business Awards. They specialise in providing professional insurance advice on a complete portfolio of products including: Employer Benefit Programmes, Business Insurance and Medical Insurance, Home Insurance, Travel Insurance and Motor Insurance.

As Singapore’s first client-focused insurance service for expats, our goal is to provide insurance coverage tailored to suit individual and corporate needs. Consistent with our own high standards, our advisors recommend only the most reputable international insurance companies known for superior claims handling, broad coverage and value-for-money products. The insurance companies compensate us directly, so the benefit of coverage reviews and advice we offer you is free.

Insurance for Expats in SingaporeMedical Insurance
There are numerous Medical Insurance policies available, but few are suitable for Expats. We provide specialist advice on Medical Insurance for Expats in Singapore. During our consultation process, Expat Insurance will first want to understand your needs and priorities; then advise which Health Insurance plans will provide you and your family with the most comprehensive and affordable Medical Insurance available.

Insurance for Expats in SingaporeHome Insurance
We offer a range of Home Insurance for Expats in Singapore. With prices suitable for every budget, we’ll provide value-for-money Home Insurance tailored to cover your belongings. We can combine your jewelry insurance and contents coverage as well as Personal Liability in one policy. Contact us today for Home Insurance.

Insurance for Expats in SingaporeEmployee Benefits
With the complexities associated with local and international workforce protection and retention, we offer end-to-end Employee Benefits solutions for your business. We ensure insurance requirements are aligned with your HR objectives and provide advice on insurance matters at a strategic and operational level, structure, negotiate, place and manage appropriate insurance policies. We appoint a service team with proven experience and abilities to provide professional, proactive and innovative services and support, and offer claims escalation support to enhance claims arrangements for your employees.

Insurance for Expats in SingaporeTravel Insurance
Expat Insurance offers value-for-money Single Trip Travel Insurance starting from $26. If you’re planning more than three trips a year, Annual Travel Insurance policies offer cost savings covering unlimited trips abroad, leaving you with one less thing to worry about when booking your holidays. Buy your Travel Insurance online now.

Insurance for Expats in SingaporeMotor Insurance
Expat Insurance has partnered with the largest International Motor Insurance Companies in Singapore to bring you the most comprehensive, competitive Motor Insurance products. This often means we are able to save our customers hundreds of dollars compared with their old insurer. Contact us for Motor Insurance today.

Insurance for Expats in SingaporeBusiness Insurance
Running a successful business requires careful planning of your sales and finances. No matter how prepared you may be, the unthinkable may happen: a fire, burglary, outbreak of disease or a customer’s slip and fall.  Without adequate protection, the effect on your business could be crippling. We provide a comprehensive range of Business Insurance to protect your business including: Liability, Fire, Cargo, Travel and Employer Benefits Programmes.

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Re: Self-Driving Taxis Hit the Streets of Singapore

rajagainstthemachine:
I'm waiting for the shift change to appear at convenient times to avoid picking people up.

Re: Population Statistics - Residents and NonResidents wanna be

x9200:
actually the part of PR -> Citizen numbers that doesn't really seem add up.
according to statistics as per '15 ... on average
- 30k PRs and
- 20k Citizenship are granted per year

How does they maintain the number of 527.7k for PRs as there will always be 10k of surplus.
does that mean we have around 10k people had their PRs revoked / not renewed every year?
10k is a small No, ca 2% of the PR population. They are foreigners so their migration mobility is much higher than for the SC.

Re: Self-Driving Taxis Hit the Streets of Singapore

x9200:
You mean the fuel saving mode?

I am curious how are they programmed to operate within the typical Singapore traffic, to follow the common rules or to follow the traffic regulations.

Also ignoring people trying to flag them down from the curb during rush hours should be included to avoid shock to the public. Another module, "I don't go there" seems already implemented.

Re: Employment pass being delayed

x9200:
Must be also a damn prestigious firm trying to get somebody to work illegally even for a short time.

Re: Awaiting working pass

x9200:
If you mean, living in that room, then it is illegal and only getting the pass will make it legal. If you want to be extra safe, you may consider a short holiday in your home country.

Re: RE: Re: Unpleasant Stay experience is Singapore!!!!!!

x9200:

Could you please quote some of these judgements?

Awaiting working pass

ongvoon:
Hi everyone,

May I know is that legal for me to continue renting HDB room while awaiting new job application approval from MOM?

I've been renting this room since April 2016 and going to receive work permit by next week. I resigned my job and now I'm under social visit pass and I'm Malaysian.

Do I need to apply anything to make sure that I'm legally allowed to stay here while waiting my work approval?

Please advise....thanks

Moving back to SG after 12 years

Luxmee:
(22F) I'm moving back to Singapore in the coming weeks having been away for 12 years... Not too far away but far enough.

A little about me:
I'm a Singaporean (0.5 Filipina/0.5 Chindian). I grew up in an international school in Kuala Lumpur for 7 years, continued with my college and bachelor's degree until this year.
I'm also in a long distance relationship with my SO who is Australian (24M).
I enjoy music (I perform in a band), people watching, hiking (sg has so many nature spots so I'm excited to explore)

Bottom line:
Basically, I don't really know much about SG (what's good, where to go, what to eat) and I have no friends in SG so I would love to get to know some like minded people who can tolerate dry humor and unfortunate chronic RBH (resting bitch face) but I promise you I am super nice.

Plus points if you can kindly share with me some advice on how to get my SO over to Singapore!

TL;DR- Wanted: friends

Re: Population Statistics - Residents and NonResidents wanna be

taxico:
FWIW: the number i remembered was, on average, 2% of REP applications were rejected. this was 5 or 6 ago...? so that number may have gone up/down...

that number excludes (real) revoked SPRs... crime, false declaration, etc.

Re: Population Statistics - Residents and NonResidents wanna be

sundaymorningstaple:
At least.

Re: Self-Driving Taxis Hit the Streets of Singapore

sundaymorningstaple:
:lol: :lol:

Re: Employment pass being delayed

sundaymorningstaple:
And for having too many foreigners as well, as according to him most in his department are Koreans as well.

Re: RE: Re: Unpleasant Stay experience is Singapore!!!!!!

taxico:


Screw that noise. What kind of hell hole forces weekly inspections? People in AUS were annoyed with 3 inspections a year.

LOL, i found that Singaporean are scared to break rules and they are really scared of strangers, i don't know why. That's why ecureilx friend's landlord check his/her place every Sunday, are they afraid of terrorism or other things? Because for illegal immigrants, it's none of the LLs business, and i think Singapore also have lots of illegal immigrant, it is something that cannot be prevented. My friend LLs also checks her place every week! :?

LLs can get into trouble if illegal immigrants are in their property. not necessarily actual charges filed, but the threat and the investigation before such charges that will inconvenience and stress out any LL.

this is why all TAs will have a "no illegal immigrant" clause...

further, there should be no short term (<6 months) letting of any property. you say "my mom's staying for 1 night" but... nothing's free in this world. you may think otherwise, but a quick look at local judgements say the judges don't agree with you.

Short Answers to Hard Questions About Zika Virus

taxico:
from NYT: http://www.nytimes.com/interactive/2016 ... virus.html (updated July 29 '16)

i've edited it so it's shorter...

The World Health Organization has declared an international health emergency over the spread of the Zika virus, now known to cause devastating birth defects.

All pregnant women who have been to these regions should be tested for the infection, health officials have said, and should refrain from unprotected sex with partners who have visited these regions.

Here are some answers and advice about the outbreak.

What is the Zika virus?

Can the Zika virus be sexually transmitted?

What is microcephaly?

How do I know if I’ve been infected? Is there a test?

I’m pregnant and live in or recently visited a country with Zika virus. What do I do?

I’m of childbearing age, but not pregnant and not planning to get pregnant. Should I go to an affected country?

Can I become immune to Zika? Will it be safe for me to get pregnant after I recover from Zika?

If I live in an area where the virus is circulating, should I delay becoming pregnant?

Does it matter when in her pregnancy a woman is infected with the Zika virus?

Should infants be tested?

I’m a man and have returned from a place where the Zika virus is spreading. How long until I can be sure that I won’t infect a sexual partner?

Is there a treatment?

Is there a vaccine? How should people protect themselves?


Q. What is the Zika virus?

A. A tropical infection new to the Western Hemisphere.

The Zika virus is a mosquito-transmitted infection related to dengue, yellow fever and West Nile virus. Although it was discovered in the Zika forest in Uganda in 1947 and is believed to be common across Africa and Asia, it did not begin spreading widely in the Western Hemisphere until recently — perhaps sometime in 2013, although its presence was not confirmed until May 2015, when it was identified as the “mystery disease” sweeping across northeast Brazil.

About four in five victims have no symptoms, and those who do usually recover within a week. Common symptoms include a fever rarely higher than 102 degrees, an itchy pink rash, bloodshot eyes, sensitivity to light, headaches and joint pains.


Q. Can the Zika virus be sexually transmitted?

A. Yes.

In all known cases as of late June, transmission has been from a man to a woman or to another man, not from a woman to anyone else. The Zika virus has clearly been transmitted by vaginal and anal sex, and possibly by oral sex.

Viral RNA has been found in semen more than two months after symptoms disappeared. Scientists believe the prostate or testes serve as a reservoir, sheltering the Zika virus from the immune system. In at least one case, a man who never had Zika symptoms transmitted it sexually.

Health authorities now recommend that women who are pregnant or trying to become pregnant avoid contact with semen from men who have visited areas where the virus is transmitted. Pregnant women should abstain until they give birth, or should have sex only with partners using a condom.

To reduce the risk of sexual transmission, health authorities recommend that men who have visited areas in which the Zika virus is transmitted by mosquitos and who have had symptoms avoid unprotected sex for six months. Men who have had no symptoms should wait eight weeks.


Q. What is microcephaly?

A. An unusually small head, often accompanied by brain damage.

Babies with microcephaly have unusually small heads. Normally, some degree of microcephaly occurs in 1 in 5,000 to 1 in 10,000 of all births. In roughly 15 percent of cases, a small head is just a small head, with no effect on the infant.

But infection with the Zika virus causes a severe form of microcephaly. The brain may stop growing and be small and smooth, lacking the normal indentations. The long nerves connecting the eyes and ears to the brain may be damaged. Children may suffer from constant seizures or be born with permanently rigid limbs.

There is no treatment for the brain damage.

“There is no way to fix the problem, just therapies to deal with the downstream consequences,” said Dr. Hannah M. Tully, a neurologist at Seattle Children’s Hospital who specializes in brain malformations.


Q. How do I know if I’ve been infected? Is there a test?

A. It’s often a silent infection and hard to diagnose.

Only one of five infected people develop symptoms. There is currently no rapid test that can be done in a doctor’s office; tests must be sent to sophisticated laboratories, which delays diagnosis.


Q. I’m pregnant and live in or recently visited a country with Zika virus. What do I do?

A. Pregnant women should get blood tests and ultrasound scans.

According to the C.D.C., all pregnant women who have visited areas with Zika transmission should be tested, whether or not they have symptoms.

All pregnant women who live in those areas, such as Puerto Rico or American Samoa, should be tested at least twice during their pregnancies, whether or not they have symptoms.

All pregnant women who test positive or had symptoms should have a series of ultrasounds looking for evidence of fetal microcephaly or calcifications, small white spots indicating cell death or inflammation in the brain.

Brain damage has been detected as early as week 19 of a pregnancy — about midway through the second trimester. But it is not clear how quickly damage becomes detectable after an infection.

The current guidelines can be found here: http://www.cdc.gov/mmwr/index2016.html (search for ZIKA)

The surest way to detect the virus itself is with a blood or urine sample gathered in the first two weeks or less after symptoms appear. Antibody tests can be done later but, because the disease is closely related to dengue and yellow fever, false positives and false negatives may occur, especially in areas where those diseases circulate. More complex “neutralization assay testing” can lower the false-positive rate, but not eliminate it.


Q. I’m of childbearing age, but not pregnant and not planning to get pregnant. Should I go to an affected country?

A. Only if you use birth control consistently.

Half of pregnancies are unintended, according to some surveys. If you want to visit a country where Zika transmission has been reported, Dr. Laura E. Riley, a specialist in high-risk pregnancies at Massachusetts General Hospital, advises strict use of birth control.

Women who become unexpectedly pregnant while traveling or shortly afterward will have to deal with blood tests, regular ultrasounds and a great deal of anxiety.

“Why would you ever sign yourself up for that?” Dr. Riley said. “There’s enough in life to worry about. I wouldn’t add that to my list.”


Q. Can I become immune to Zika? Will it be safe for me to get pregnant after I recover from Zika?

A. Possibly.

Women who recover from the infection are believed to immune to it, so no harm can come to a new baby.

To be sure no virus is in the blood even after a silent infection, the C.D.C. recommends waiting eight weeks — triple the amount of time the virus has been known to persist — before trying to conceive.

Whether that immunity is lifelong is not yet known, because the virus has only been studied carefully for a brief time. But it is believed to be long-lasting.

“Our understanding thus far is that the risk is very, very low if you were in that place prior to conception,” Dr. Riley, of Massachusetts General Hospital, said.

“I wouldn’t be worried about if you conceived (in such a manner).”


Q. If I live in an area where the virus is circulating, should I delay becoming pregnant?

A. That may be wise, some officials say.

Health officials in several countries, including Brazil, Colombia, Ecuador, El Salvador and Jamaica — and in the territory of Puerto Rico — have suggested that women delay pregnancy temporarily. Obstetricians in some countries are privately giving patients the same advice, saying the risk of fetal damage during an epidemic’s peak is too great.

Once “herd immunity” is strong because many people have been bitten and have recovered, local epidemics may fade out, so that women can safely become pregnant again. Also, many companies are working on Zika vaccines, and delaying pregnancy will buy time for them to arrive.

Both the W.H.O. and the C.D.C. approach the topic very cautiously, but the C.D.C. has said that some women and their partners, in consultation with their doctors, “might decide to delay pregnancy” and should be provided with contraception if they do. The W.H.O. says that men and women “should consider delaying pregnancy and follow recommendations (including the consistent use of condoms) to prevent H.I.V., other sexually transmitted infections, and unwanted pregnancies.”


Q. Does it matter when in her pregnancy a woman is infected with the Zika virus?

A. Anytime during pregnancy may be dangerous.

Originally, doctors in Brazil believed that infections in the first trimester were the most dangerous, because mothers who gave birth to babies with microcephaly were usually infected then.

A later study found that some mothers infected late in pregnancy also had disastrous outcomes, including the sudden deaths of infants in the womb.

Some experts who have studied the long-term consequences of rubella — another virus that attacks fetuses — say they believe that children who survive a Zika infection without microcephaly nonetheless may suffer serious consequences, including blindness and deafness at birth, learning and behavior difficulties in childhood, and perhaps even mental disabilities later in life.


Q. Should infants be tested?

A. Other birth defects may be linked to the virus.

Federal health officials say that newborns should be tested for infection with the Zika virus if their mothers have visited or lived in any country experiencing an outbreak and if the mothers’ own tests are positive or inconclusive.

The reason, officials said, is that infection with the virus could be linked to defects in vision and hearing, among other abnormalities, even if the child does not suffer microcephaly.


Q. I’m a man and have returned from a place where the Zika virus is spreading. How long until I can be sure that I won’t infect a sexual partner?

A. Err on the side of caution.

Whether or not you have had symptoms, you should do everything you can to avoid infecting a woman who may be pregnant or is trying to become pregnant, because the consequences for the baby may be disastrous.

To do that, you must avoid vaginal, anal and oral sex for the length of the pregnancy — or use condoms every time.

It is not known how long the Zika virus remains infectious in semen, but viral RNA has been found in semen more than two months after symptoms subsided. The testes are somewhat shielded from the immune system, so it may take longer for the body to eliminate an infection there.

The C.D.C. recommends that men who have traveled to Zika-infected areas, but had no symptoms, wait eight weeks before having unprotected sex.

Men who have had a positive Zika test or any symptoms of infection, on the other hand, should wait six (to nine) months.

At least one gay man has infected his male partner through anal sex. Another man is believed to have infected his female partner through oral sex.

And in one case in France, a man who never reported symptoms is believed to have infected his wife through sex.


Q. Is there a treatment?

A. No.

The C.D.C. does not recommend a particular antiviral medication for people infected with the Zika virus. The symptoms are mild – when they appear at all – and usually require only rest, nourishment and other supportive care.


Q. Is there a vaccine? How should people protect themselves?

A. Protection is difficult in mosquito-infested regions.

There is no vaccine against the Zika virus. Efforts to make one have just begun, and creating and testing a vaccine normally takes years and costs hundreds of millions of dollars.

Because it is impossible to completely prevent mosquito bites, the C.D.C. has advised pregnant women to avoid going to regions where the virus is being transmitted, and has advised women thinking of becoming pregnant to consult doctors before going.

Travelers to these countries are advised to avoid or minimize mosquito bites by staying in screened or air-conditioned rooms or sleeping under mosquito nets; wearing insect repellent at all times; and wearing long pants, long sleeves, shoes and hats.



Re: Population Statistics - Residents and NonResidents wanna be

dynoto:
No, it's not every 5 years. It's an annual publication

http://www.nptd.gov.sg/News

The past issues were published in September so we should expect to see the current edition in a month or two.

ah thanks!

actually the part of PR -> Citizen numbers that doesn't really seem add up.
according to statistics as per '15 ... on average
- 30k PRs and
- 20k Citizenship are granted per year

How does they maintain the number of 527.7k for PRs as there will always be 10k of surplus.
does that mean we have around 10k people had their PRs revoked / not renewed every year?