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Travel Insurance For Smart Traveller

Travel Insurance

Travel Insurance Is for Smart Traveller

Travel insurance can add up your cost of travelling and often seen as unnecessary for budget travellers. However, the question is, are you sure you don’t need it?

Travellers Insurance

Insured Your Travel Period for Unforeseen Event

The question of “What if” something happens may haunt someone when travelling to unfamiliar place. As traveller, you can be facing all kinds of challenges. Some of these may be out of your control. For such reason, it is best consider getting travel insurance. Travel insurance won’t make you safe or healthy, but it can reduce the financial burden should the “What if” occurs.

Travel insurance gives you 24-hour worldwide help during emergencies. These include medical care, legal support, repatriation back to your own country. Without these, you can be looking at very expensive medical cost and other unforeseen financial burden.

How Travel Insurance Gives You Peace of Mind

Travel insurance coverage can cover from loss of gear to flight cancellation. The basic insurance coverage usually covers personal liability and medical cost.

2 Main reasons to Get Travel Insurance

Medical Coverage

Your medical coverage means any expenses incurred while overseas. These medical costs can be for minor check-up or something more serious, that requires special attention. It can also mean repatriation to your home country for further treatment. Therefore, medical coverage is often very high. Your own accident insurance is often not covered while you are overseas. It is important to find out to what extend your own accident insurance coverage is covering you.

Personal Liability Coverage

This kind of insurance protects you from huge financial loss when you accidentally damage anybody’s property or injure someone. For example, you may walk in a luxury private apartment and accidentally knock down a very expensive decoration. It can cost you your whole saving without a travel insurance. On top of that, you may end up also paying legal fee for the law suit. You may say, it is unlikely that I will knock anything down. However, have you thought about any other example? What about damaging something that you rented? For example, your rented car accidentally hit someone or something? There can be hundreds of examples that you cannot be certain of.

There are many other benefits which a travel insurance will cover. A few of these includes cancellation or curtailing coverage. Curtailing mean getting reimbursement of your trip in the if you cut short your trip and make claim for unused part of your travel. Such claim usually includes reimbursement of the cost of accommodation services you booked and reasonable travelling expenses for returning home.

Long Trip Insurance Coverage

What about those that are going to be travelling for a long time. Perhaps he or she is travelling around the world. The common travel insurance feature for such kind usually has common features like the followings:

  1. Get a long-term insurance to cover the number of months you are travelling.
  2. You may opt to but insurance policy while you are overseas. This will give you the flexibility to add coverage as required.
  3. For sporty traveller, you are advised to purchase extensive coverage for dangerous activities like surfing, scuba diving and for other adventure activities.

Looking for the best insurance coverage while travelling can be quite a mission. However, there are many insurance agencies that sells travel insurance online. You can visit one like Insured United, a local insurance agency that provides travel insurance. For online quote and discount, you may check out the web page here http://www.insuredunited.com.sg/travel-insurance/

I hope this article helps you be more informed for a decision to buy travel insurance or not.

Indonesian Maids in Singapore

Indonesia maid

Many Indonesia women seek for good paying salary and decided to leave home to the nearby country to work as Indonesia maids. One of the most popular destination is Singapore. Singapore being the nearest country and the best currency exchange rate is very attractive to those in poverty seeking for better salary. Many of these women are young and able. Some who are married gave up the time with family and spend their days as maids in Singapore in hope to save up the money for their family.

maid insurance

Indonesia Maids Welfare

There are many laws in Singapore regarding maids’ welfare. One of which is insurance for Indonesia maids. It is a law in Singapore that employers must purchase maid insurance for maids working in Singapore. In recent months, maids’ coverage was reviewed and the regulation is set to make sure that these maids are given enough coverage. There were cases of accidents or unforeseen circumstances which ended up making the maid’s worst off than if they were not working in Singapore. It also gives the immediate family some form of financial assistance in any of this unforeseen circumstance.

Maid Agency Compliance with Regulation

Laws are not only applied to employers but also the agencies. One of which is the money that maids are paying the recruiters to work in Singapore. In the past, some recruiters abuse their authority by charging high amount to poor Indonesia maids in the promise of great future. The government impose a law to cap at a certain amount to stop recruiters from overcharging.

There are an estimated 120,000 Indonesia maids in Singapore. The regulation is set to protect Indonesia maids from being overcharged or getting lesser salary with higher deductions. Those that broke the law on this can risk being imposed a freeze on processing their paperwork. Without these regulation, some maids are paying more than $3,000 said the Association of Employment Agencies in Singapore.

Fair Competition Among Maid Agency

This makes a fairer competition among maid’s agencies and better chance of Indonesia hoping to find employment in Singapore. The competition is not just among Indonesia as there are many other countries like Philippines, Sri Lanka, India, Myanmar and Malaysia trying to work as domestic helper or maids in Singapore.  All these people will have to go through very strict selection and training before they are qualified to work in Singapore.

Maids From Various Countries in Singapore

In Singapore, there are some stereotypes and preference which makes Filipino, Indonesia and Myanmar more popular choice than others. There is no knowing why, but it seems to be the case. Perhaps it’s due to the ability to communicate or salary difference.

Maid Insurance

This article is brought to you by Insured United. If you like to find out more about maid’s insurance, you may visit this web page for more information.

http://www.insuredunited.com.sg/maid-insurance/