The most practical way to process small insurance claimsIN the previous column, we started discussing how the Insurance Commission (IC) may preside over settlement on disputes or disagreements on insurance claims. It was emphasized that if the money claim is less than P5 million, the insuring public need not go through the formal legal process which involves a longer time frame and entails more cost. In fact, the claims process may begin with the filing of an informal complaint, free of charge, through the Public Assistance and Mediation Division (PAMD) of the IC, which will then facilitate a mediation conference.If no agreement or settlement is reached between the complaining policyholder or his or her beneficiaries and the insurer that denied the former’s claim, the complainant has the option to file a formal written complaint against the insurer through Claims and Adjudication Division (CAD) of the IC. However, some may still find the process of formally filing of complaint … [Read more...] about The most practical way to process small insurance claims
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WHEN YOU DON'T HAVE CASH TO PAY FOR BIG-TICKET ITEMS, WHAT OPTIONS DO YOU HAVE? Between replacing your worn-out aircon, switching out a broken-down fridge, repairing your car, and renewing your gym membership, there will be more than a few occasions when you'll need to pay for a big-ticket item. With an array of perks, credit cards are the preferred way to pay for large purchases. However, you should always pay back the amount spent within the statement cycle, lest you incur hefty interest charges. But what if you need to make an expensive purchase, but don't have the money available to pay it off at once? Or if the shop you are buying from a shop that doesn't accept plastic? Don't fret, there are still several alternative payment methods you can use, each with their own pros and cons. To help you make the right choice, here are 4 methods for paying off big-ticket items, ranked in order from best to worst. 1. CREDIT CARD 0 PER CENT INSTALMENT PLAN: RECOMMENDED FOR MOST PURCHASES … [Read more...] about What are the best ways to pay for big-ticket items in Singapore?
Cardiovascular disease (CVD) is one of the most common maladies affecting Singaporeans. It's also one of the most deadly, with a third of all deaths being attributed to conditions falling under the category of CVD. However, with the exception of rare genetic conditions, CVD is generally preventable. For instance, even simple lifestyle changes like being more active and eating more vegetables are great ways to reduce your risk of getting cardiovascular disease. Below, we discuss the five best ways to reduce your CVD risk, why they work and any financial benefits that may be associated with them. WHAT ARE THE RISK FACTORS FOR CARDIOVASCULAR DISEASE There are many factors that can lead to an increased risk of getting cardiovascular disease, some more preventable than others. Your age, gender, ethnicity and genetics are four indicators that cannot be altered, but impact your risk of heart disease. For instance, the risk of getting heart disease will increase as you get older. Also, … [Read more...] about 5 affordable ways to reduce your risk of cardiovascular disease
Mummies, when you're pregnant, you already have a whole laundry list of things to worry about. So one of the last things you want to think about is premature labour. But it is essential to know how to prevent premature labour naturally so that a healthy baby can be born at full term. This ensures less complications for both mother and baby during the delivery process and postpartum. The term premature labour is when a woman delivers her baby before 37 weeks of gestational age. It is considered as full term when someone reaches week 37 during pregnancy where the baby is fully developed and able to thrive outside the mother's womb. Premature labour occurs when regular contractions result in the opening of the cervix between week 20 and week 37 of pregnancy. However, sometimes women do have premature labour due to many different reasons and it often results in premature birth. Here are 11 best ways on how prevent premature labour naturally so that you can reach the goal of having a … [Read more...] about 11 best ways to avoid premature labour naturally
Palace: Bilateral talks best way to address South China Sea row MANILA, Philippines — Malacañang believes holding bilateral talks is still the best option to resolve the South China Sea row even if China's aggressive actions in disputed areas persist after the creation of a bilateral mechanism intended to settle the dispute. Presidential spokesman Salvador Panelo said no other party wants to intervene in the the long-standing dispute. "No other party is trying to resolve it right? Nobody wants to intervene. So perhaps, the two countries should just talk," Panelo said in a press briefing. The Association of Southeast Asian Nations and China have been working towards a Code of Conduct in the South China Sea, a first draft of which is supposed to be completed this year. "In the meantime, ASEAN and China continue to reaffirm the importance of maintaining and promoting peace, security, stability, safety and freedom of navigation and … [Read more...] about Palace: Bilateral talks best way to address South China Sea row