Posted by janedant
on Monday, November 8, 2010
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If you ever face a medical crisis, you’ll be amazed at how quickly the bills mount up, even with great insurance.
You could argue about whether insurers are inherently evil, coldhearted, or callous, but the bottom line is that insurers are businesses that want to get the most money they can out of you. Sometimes you will have to pay and there’s no way to get around that. However, there are so many mistakes, wrongly denied claims, double bills, and unnecessary charges at times that you may be able to reduce your bills somewhat, but only if you’re prepared to fight. Your insurer isn’t going to suggest ways for you to reduce your bills and they aren’t going to help you very much. Your insurer hopes that you will just pay the bill. You want to question everything and only pay what you need to. Here are some ideas if you ever need to go to war with your insurer.
Continue Reading Dealing With Your Medical Insurer
Global Health Asia is an exceptional provider of innovative expat health insurance. Global Health Asia International Group was created with one goal in mind – to become the best personal and family medical insurance service provider in Asia.
Posted by janedant
on Tuesday, October 19, 2010
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If you’ve ever wanted to travel extensively but aren’t sure how you could afford to be on the road for months at a time, work share arrangements might be the answer you’re looking for. When you work share, you receive either free or discounted lodgings or meals in exchange for your labor. The work you may be asked to perform can include landscaping, maintenance tasks, cleaning, receptionist work, or helping arrange/host special events or parties. If you have special skills such as photography, accounting, or design skills, you may be asked to help with the books, or design a new brochure for a bed and breakfast.
If work share arrangements don’t appeal to you, you can also find other work in many destinations. Temporary work, seasonal jobs like farm work or Christmas tree sales, and part time jobs are also alternatives. If you need to supplement your income while you’re on the road, here are some ideas:
Work camping: As a work camper you will usually receive your site rental for free and possibly a discount on any metered utilities. You may also get some meals for free if the campground hosts a special event. You may have to mow the grass, answer the phones, clean the bathrooms, or help maintain the facilities in exchange for your freebies. Some work camping arrangements can be short term (just a week) or long term (a whole season). Many campgrounds post openings on their web site, but it can’t hurt to call and ask campgrounds in your area if they need help.
Continue Reading
Work While You Travel: Strange Ways to Save Money
Posted by janedant
on Tuesday, September 21, 2010
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Retiring abroad sounds intriguing to those seeking balmy climes and cheaper living. But there are pitfalls.
Planning a postretirement move from, say, New York to Florida is relatively simple. But if you're thinking about spending your golden years abroad, there are many more unknowns. How can you check out a prospective retirement haven before you make a big move--and maybe a big mistake?
Taxation. The U.S. taxes its citizens' income no matter where they live. Those living abroad can claim an annual $91,500 exclusion of income from work, which retirees often don't have. Tax treaties usually protect against double taxation, but many countries have higher rates than the U.S.
Continue Reading this informative article at Forbes
and see resources for
Expat Health Insurance
Posted by janedant
on Monday, June 14, 2010
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The GlobalHealth Advantage Range
Advantage 100
Features
> Worldwide coverage
> Plan maximum up to US$250,000 per disability
> Choice of deductibles starting at US$500 per disability
> Lowest premiums
Advantage 200
Features
> Worldwide coverage
> Plan maximum up to US$250,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Choice to add coverage for out-patient treatment
Advantage 300
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient with extensive pre and post-hospitalization cover
Advantage 400
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient and out-patient
Advantage 500
Features
> Option to exclude North American coverage to lower premium
> Plan maximum up to US$2,000,000 per year
> Nil deductible up to US$5,000 per year deductible available
> Fully covered in-patient and out-patient
> Maternity cover up to US$10,000 per pregnancy
To Know About Their Optional Extra Benefits
Visit Hong Kong Expat Medical Insurance
Posted by janedant
on Friday, May 14, 2010
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In Spanish, Ilustrado means "enlightened one." During the 19th century, it referred to the Philippines' Europe-educated literati, whose revolutionary ideas helped establish the foundations for Asia's first democracy. Fast-forward 200 years: expatriate Filipino author Miguel Syjuco has put a modern spin on this dated term with his 2008 Man Asia Literary Prize–winning novel Ilustrado. Syjuco's novel follows the exploits of a young Filipino protagonist — also named Miguel Syjuco — who returns to the Philippines and the past he left behind to investigate the death of his dissident mentor Crispin Salvador.
This satire of Philippine society comes at a time when this Southeast Asian nation stands at a political crossroads. Born into a well-to-do political family himself, Syjuco is not unfamiliar with the elite class he parodies, but he is quick to point out the differences between himself and his fictional namesake. During his whirlwind Asian promotional tour, Syjuco spoke with TIME in Hong Kong about the power of the written word and his transnational exploits as a modern-day Ilustrado.
Read more: Filipino Expat Miguel Syjuco's Breakout Novel
Posted by janedant
on Monday, April 19, 2010
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In an era where we keep too busy with our work, health becomes a matter of concern of all of us. Especially if we live abroad, medicines and health care have become so expensive that we might have to spend half of our savings on it. You certainly don't want to do that, right? Expat Global Medical Insurance helps you to cover all that without bearing any immediate cost. It not only gives you a complete medical cover but also, makes you financial secure. By taking international health travel insurance, you can stand your medical and health expenses on your own.
We have often seen cases where in people living in abroad have to bear sudden and uncertain health costs which makes them face a financial crisis but, with such beneficial insurance scheme you can avoid such circumstances. Let's check out some more advantages of expat health insurance:
- Settlement of adequate medical expenses
- Aid to trip Interruption due to health issues
- Reimbursement of lost checked luggage
- Emergency medical evacuation
- Emergency reunion
- Emergency dental
- Settlement against accidental death and dismemberment
- Return of relevant assets
Though the facilities depend from one insurance company to another but, mostly the above mentioned services are taken care off. To a greater extent International Travel Medical Insurance companies are planning to cover more areas (as follows) to enhance their standard of health care:
· Terrorism coverage
· Hospital insurance (such as daily cash, etc.)
· Problems of pregnancy
· Natural disaster
· And, other travel support such as pre-trip safety and health advisories, immediate cash transfers, lost travel document or passport assistance, etc.
Whenever we go or live abroad, it becomes all the more difficult for us to take care of our health and all. In such a situation international travel medical insurance is the easiest way to deal with all sudden costs in this relevant field. Don't you think so?
We never know when we need a health cover, we can need a health cover anytime and anywhere in this whole world thus, it becomes essential to take such insurance schemes and be trouble-free.
Posted by janedant
on Thursday, March 18, 2010
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These nations are the most hospitable to expatriates, according to a new report.
The Middle East has long had a reputation for being one of the world's perennial trouble spots. But for expatriates, the tiny Persian Gulf county Bahrain ranks as one of the most welcoming places to work.
That's the surprising result of a new survey of 3,100 expatriates conducted by HSBC Bank ( HBC - news - people ). Bahrain ranked first in one key measure of how easy it is for expatriates to set up a new life for their families. It received high marks from expats who like the country's easy access to modern health care, decent and affordable housing, and network of social groups that expatriates can join.
Continue Reading
Posted by janedant
on Wednesday, March 10, 2010
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New York (CNN) -- If President Obama had been forthright last week at the health care summit, he would have opened the meeting by stating: "If you have health coverage, under our reform bills you are going to pay more and get less. If you are one of the 45 million elderly or disabled people on Medicare, you are going to get less. There is no such thing as free medical care. Somebody has to pay! And in the end it is you."
Those are the facts! And as Senate Majority Leader Harry Reid stated to the Republicans : "...you're entitled to your opinion, but not your own facts."
However, the facts, as the president has found out, are not exactly a compelling message to persuade a reluctant Congress and public to overhaul nearly one-fifth of the nation's economy.
Adding 31 million people (45 million now don't have coverage) to the health care system will cost the taxpayers trillions over time. Many of that uninsured group can't afford health insurance, and if this legislation passes, the government will create an entitlement program to subsidize them. In the end, like the entitlement programs that have gone before them, they will far exceed any cost estimates on the table today.
Continue Reading Guess who really pays for health care?
Posted by janedant
on Wednesday, February 10, 2010
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By Darlene Kaitlin
If you are planning to settle abroad, you need to also take a good look at your expat health insurance policy. Travelling overseas can be full of adventure and it can happen that you decide to pack your bags and move into a new place for the purpose of settlement outside own country. Since travelling abroad and starting to live there means coming across different climactic conditions and physical surroundings, you need to extra care of your health.
Adventure also means increased chances of events that may affect your health adversely at times. You may encounter a whole new set of issues that your body may take time to accommodate. And in case, any accidents occur and hospitalisation is required, the bills in a foreign place can come as a bad surprise. And before the medical bills deliver a knockout punch, you need to fight back with pre-protection, that is with a health care policy in place.
This is often the best option specially designed keeping in mind situations like this, and the people who would need to avail to it to ensure good health. Even if, by good grace, you do not come to require medical assistance, it will always serve to give you a peace of mind that you will be safe with proper medical care, no matter where you are.
Continue reading
Posted by janedant
on Wednesday, February 3, 2010
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The minister of employment for Bahrain has expressed concern that many Gulf states may be transformed in years to come as the number of expats living and working in the region continues to grow.
Speaking to UAE daily Gulf News on the sidelines of a labour conference in the country's capital Abu Dhabi, Majeed al-Alawi said that while the region has long been reliant on skilled foreign workers to fuel growth, there may be problems during period of economic contraction.
"Whoever thinks this foreign manpower in the region comes for a project and leaves on its completion is wrong. They come to stay," he said, adding that with more expats buying property in the region and acquiring stakes in domestic companies, there may be a marked shift in the economic and social constitution of Gulf states within a generation.
Expats considering a move to the region may benefit from taking out an expat health insurance policy to ensure there are no gaps in cover should healthcare services be required.
Posted by janedant
on Monday, February 1, 2010
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Expat Health Insurance – You insure the house without hesitation; you insure the car too, so why do so many expats refuse to insure their own health?
Maybe you are perfectly fit and healthy, never been ill apart from the odd hang over or two, and besides somewhere in your wallet there is a plastic card with some foreign writing that your boss gave you assuring you it covers you in the event of being sick! Or does it?
The vast majority of us enjoy good health everyday of our working lives and any thoughts of illness or injury seldom stir the back of our minds. The reality is that we are all vulnerable and the prospect of becoming ill or damaging limbs is not as unlikely as we would care to imagine. Visiting the busy urban areas of Asian cities we have all seen the motorcycles with 3 passengers weaving amongst the traffic, normally loaded with a few live chickens and a full size colour television and driven by the ten year old daughter with her left arm pressed against her ear listening to her friends gossip on the latest mobile phone-and then the inevitable coming together with another motorcycle or expatriate who thought the traffic lights actually meant something!
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By Jackie Needham
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