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  1. Did a search and is surprise nobody post this before https://www.todayonline.com/explainer-why-singapore-medical-association-and-private-insurers-locked-battle-over-integrated-shield-plans Explainer: Why the Singapore Medical Association and private insurers are locked in battle over Integrated Shield Plans The Singapore Medical Association (SMA) and Life Insurance Association Singapore (LIA) are at odds over the mechanics of Integrated Shield Plans SMA issued a position statement decrying that the insurers had formed “highly exclusive” medical panels and disrespected fee benchmarks SMA also complained that insurance premiums had increasingly been used for non-healthcare cost items LIA’s comeback alluded to “over-treatment” by medical providers It also criticised SMA for using misleading analysis SINGAPORE — An ongoing tussle between the medical fraternity and insurance companies is intensifying over the payouts, premiums and doctor panels of Integrated Shield Plans (IPs). Such insurance plans are made of two parts: A MediShield Life component managed by the Central Provident Fund Board, and the other is provided by private insurers. About seven in 10 residents here had bought these plans from private insurers to get added coverage on top of MediShield Life, the Government’s basic health insurance plan for all citizens and permanent residents. Last Thursday (March 25), the Singapore Medical Association (SMA) launched an offensive and spelt out in a position statement how IP insurers had been curtailing doctor choice by: This came after weeks of exchanges among insurance policyholders, doctors and the Life Insurance Association Singapore (LIA) on the topic in The Straits Times’ Forum page. SMA also said that insurance premiums collected were “excessively” spent on non-healthcare cost items, pointing out that the growth in insurers’ management expenses (56.6 per cent) and commission for insurance agents (50.4 per cent) had far outstripped that of the medical claims (35.9 per cent). “Instead of repeatedly lamenting that healthcare providers and policyholders are to blame for the losses incurred by some IP insurers through overconsumption, overservicing and overcharging, IP insurers should take the necessary steps to explore cutting their own management and commission costs to enhance the sustainability of the IP sector,” it said. LIA, representing insurers, issued a response to SMA on Monday, saying there were cases of “over-treatment” by medical providers and calling out SMA for using misleading analysis on insurers’ costs and claim costs. On its part, SMA has chosen to take matters into its own hands by introducing an initiative to rank insurers on an annual basis to show the public how appropriate each of the insurers’ fee scales are, and how difficult it is for policyholders to use non-panel doctors. SMA has also set up a complaints committee for patients and doctors to flag issues related to IPs and health insurance, including when patients are being denied insurance coverage or when doctors are not adequately reimbursed for their services.
  2. Hi. As above. Regards to the gift pack, I still haven't received it after upgrading my account to premium. Wondering if I did anything incorrectly. Thanks!
  3. My car is turning 3 soon, and due for insurance renewal. For the past 3 years, I kena hit-n-run twice when parked stationary at carparks. Both times, I managed to successfully claim from the culprits. I understand not-at-fault claims are likely to increase insurance premiums. But my car was parked stationary and I was not even in the car. It's not caused by aggressive driving behaviours. Do insurance companies review the situations that resulted in the no-at-fault claims on a case by case basis?
  4. Hi. Wonder if any bros on this tyres yet. Any feedback?
  5. Hi gurus. Long story short. Early Dec: Offered renewal quote by insurance Mid Dec : Branch hit front windscreen. Windscreen replaced with no excess because I purchase the plan with "no windscreen excess." End Dec: Renewed Insurance. Cover note issued. Road Tax renew. 3 Jan: CSO called and tell me they will invalidate my motor insurance as my premium have now increase due to the windscreen replacement. No mention of increase in premium until 3 Jan. So now I have 2 qns. 1) Can they invalidate my insurance at this point?! I have written in to LTA and GIA to seek further clarification. 2) Wouldn't it make consumers a fool since we are then paying twice for windscreen? I pay more to get a plan with "no windscreen excess". Now that I replace my windscreen I have to pay a higher premium because my wind screen was replace. Then isnt I paying twice? Then why don't we all just buy the cheapest policy since ultimately we are still the suckers???
  6. I am looking at the Aviva My Retirement Plus. In the illustration when one pays 16K for 10 years then receive an inflation adjusted payout of 1K/mth until 85. What will it happen if the holder decides to stop paying the premium at 5th year when migrate to another country? Surrender with a big loss, or receive a pro-rated payout according to the premium paid and schedule, or what other exit strategy can the holder take? I wonder whether there are any easy and hassle-free retirement savings plan where the buyers can put in money as they wish and the interest increases with the time the $ stays in like the SSB then after retirement the payout also follows some automatic prearranged schedule, and most importantly, removing insurance agents' cut?
  7. Hi: I checked on LTa web site for possible COE renewal for car that's is registered 2006. Based on moving average of 3 months, It shows only $17.8k....too good to be true. Ya? Can anyone can share further on this?
  8. Can anyone share with me what's the difference between Aeras and Premium variants? Thanks!
  9. Good morning and Blessed Christmas to everybody! Norwegian Airlines, an award winning European low-cost carrier, started operations in Singapore (flying London Gatwick to Singapore) back in late 2017 but they have since announced that they are stopping their flights to Singapore in Jan 2019. Had an opportunity to fly with Norwegian, London Gatwick to Singapore, in their Premium cabin. You can think of Norwegian like Scoot - their core product is in Economy low cost, but they offer a premium cabin on some flights, especially in their long haul ones, and they also operated the Boeing 787. This flight was from London Gatwick to Singapore. The full flight review video is below. Take note, the flight was from London Gatwick, and not London Heathrow. That morning, we took the Gatwick Express train from London Victoria station to London Gatwick airport. Norwegian has its hub at Gatwick, so the check-in lines were crowded. As we were in Premium, there was a dedicated line for Premium passengers. Unfortunately, one of our bags exceeded 20kg, so we had to do some instant repacking. Tip - weigh your heaviest bags first. After that little hiccup, we got our boarding passes and lounge invites, and were on our way. We headed to security, and we could use Fast Track (called Gatwick Premium). There was still a line for Gatwick Premium, but it moved much faster. Remember to put all your liquids in the clear plastic bags that they provided. MY LOUNGE - HOME OF NORWEGIAN From the security area, it was a very short walk to the lounge. The lounge that Norwegian uses at Gatwick is called My Lounge, Home of Norwegian. Fascinating, I didn't know that Norwegian had its own lounge. After spending about 1.5 hours in the lounge, it was time to board. The walk to Gate 34 took about 15 minutes, so give yourself ample time. Boarding was very smooth. Once aboard, the cabin crew served a drink (water or orange juice, no alcohol). Pushback was on time. Even though the single runway was pretty crowded - we managed to take off in good time. We were blessed to have departed from Gatwick shortly before the recent drones incident, where the airport was pretty much shut for 3 days! Thank God we got home safely and quickly before that drama. Check out the full pushback and takeoff video: As this was a day flight (departing Gatwick at 1050hrs), I didn't expect to be sleeping much. Shortly after takeoff, the drinks service began. Stewardess came around to offer drinks. In Premium, beer, white wine, red wine, water are complimentary. However, if you wanted spirits, you would have to pay. You can order from the touch-screen. See 3:15 of the video for the prices. LUNCH WAS SERVED - 3 CHOICES After drinks were served, the meal cart came along. As there were no printed menus, the stewardess had to tell us the options. There were 3 options for lunch - beef, chicken and fish (salmon). I chose the salmon with risotto, while my wife took the chicken dish. Both were very good. The meals were served in a fairly large box, with disposable cutlery. There was a small side salad and dessert. The main course portion was of a decent size and I certainly was full after eating it (including a warm bun). Food was tasty, no complaints. After lunch was cleared up, the cabin lights were dimmed, and most passengers tried to catch a nap. SEATS The Premium seats were comfortable. We were right in front, and I was in 1J, window seat. Let's be clear, this is not a lie-flat bed. But the seats and space were very comfortable. I noticed that in the Boeing 787-9, the configuration in Premium was 2-3-2, i.e. only 7 seats abreast. When fully reclined, the seat was very comfortable, and I certainly managed to snooze. Norwegian provided a comfy blanket, but no pillow, so bring your own if you need a pillow. MID FLIGHT SNACK About 5 hours before landing, when the plane was somewhere over the Indian sub-continent, cabin light were increased slightly, and a cabin crew came around handing out chicken wraps as well as water. I guess this was the mid-flight snack. The wrap was tasted ( I ate it all up!) BREAKFAST - 2 HOURS BEFORE LANDING The scheduled landing time in Singapore was 0730hrs (local time). Singapore was 8 hours ahead of London. About 2 hours before landing, cabin lights came on, and I could smell the food being warmed up at the galley. Not long after, the meal cart came out and breakfast was served. There was no choice - we were all given the same box, which contained About Overall, I found the service to be efficient, and even pleasant. Would I fly with Norwegian on Premium again? Why not? The fares were competitively priced and I think worth the money for a long-haul flight. The other perks at Gatwick like dedicated check-in line, Fast-Track at security as well as Lounge access were awesome too, and added to the Premium experience. Recommended. On a personal note, as I live in Singapore, I find it a pity that Norwegian has decided to end her long-haul service in early 2019, after only flying to Singapore for a very short period of time. I'm glad I managed to fly on this award winning airline during her short stint in Singapore. I hope Norwegian comes back! EDIT Sorry, typo in the title. Should be low cost carrier and not career.
  10. SINGAPORE: Refunds have been made to the Prudential policyholders affected by erroneous deductions, the insurer's payment bank Standard Chartered Bank Singapore said on Friday (May 25). “We acted immediately and contacted all the respective banks servicing the impacted Prudential policyholders to reverse the transactions," the bank said. "As of 1.15pm this afternoon, we have been informed by all the respective banks that all inaccurately deducted amounts have been refunded to the policyholders.” A Prudential spokesperson later confirmed that all refunds have been completed, adding that customer policies were "not affected in any way". On Thursday, some Prudential policyholders encountered erroneous deductions from their bank accounts, with several telling Channel NewsAsia that they had seen deductions 100 times their premium amounts. The Monetary Authority of Singapore (MAS) confirmed the incident, adding that it was "not a cyber attack but an operational lapse". MAS also said that it had directed Prudential and its payment bank, Standard Chartered Bank Singapore, to return the funds without delay, to keep customers updated and to investigate the root cause of the incident.
  11. now anyone can drive an audi from AD !
  12. From my past experience, I thought these two terms above were the same as QP stands for Quota Premium. Calculating the COE rebate should be safe by using any of them. Until recently I came across to a vehicle, where its value of QP Paid is lower than its Quota Premium. Strangely, the COE rebate of this car was calculated base on the Quota Premium (i.e. the higher of the 2 values) instead. I am puzzled. Anyone knows what’s the difference between the 2 values? Thanks in advance.
  13. https://www.youtube.com/watch?v=YC8FLcA5bcI WHAT DO YOU THINK , GUYS ?
  14. Hi Guys, pls help to advise which is better? tore between this 2 models. OMV sportage higher depre qashqai lower
  15. Just a decade ago, Volvo "shaken" the world with the launch of it flagship SUV, XC90, touted as a premium SUV (after BMW with its X5 & Mercedes with the GL). Since then, the SUV assault continue, with Audi, Lexus, Infiniti, Porsche and such jumping onto the bandwagon, in hope to have a slice of the big pie. Last September, Bentley officially introduce it Bentayga, the world first luxury SUV, with it first customer the Queen of Britain.
  16. Just received the renewal notice from Aviva. Due to good driving habit and accident free, I am awarded the Safe Driver Discount. Sad news is, the premium will increase about 25% to $750 (last year was $570). Doesn't seem to be logical at all....
  17. http://www.thetruthaboutcars.com/2016/05/premium-plunge-sales-many-popular-luxury-cars-america-nosediving/ "Yet after BMW, Mercedes-Benz, Acura, and Cadillac all failed to match the rate of industry-wide expansion in 2015, the first four months of 2016 have revealed that even more top-level premium brands are fading as the market for new vehicles continues to expand. U.S. auto sales are up 3.4 percent in 2016. Mercedes-Benz, Lexus, BMW (the three top-ranked premium auto brands), Acura, Cadillac, and Infiniti posted declining sales in the first-third of 2016." Is this a symptom of the ongoing recession, or a trend of changing taste?
  18. Imagine you drove into a petrol station wanting to pump petrol... You see Supreme+. And then beside it, you see EXTRA... Which will you think is ron 98? Obviously I choose the wrong one thinking it had extra in it. Am I the only stupid one?
  19. Don't be bother to Buy Engine Oil and Oil filter on your own because as compare to our $78 deal, you will spend more doing all those on your own. Bringing in of own Lubricants, discourage most of the workshop to do all safety Points checks, so if you think you save, We don't think so and might be more hazardous without proper safety Checks. SO why bother doing all those shopping on your own ? Just leave it to Us. Another Hot Cake in the Making .... https://www.youtube.com/watch?v=iHpYTisOC5k Ptt now in Singapore, Only available in DM. Fully synthetic 5w40 servicing package with FREE Steam sanitization at only $78 nett. We push our limits to bring you the Best at the most affordable price at such hard times. For more info on this Asian popular lubricant :- Www.pttplc.com/en/pages/home.aspx http://pttweb2.pttplc.com/weblub/en/products-01.aspx… LUBRICANTS STANDARDS ====================== API SN/ CF ACEA A3/ B3-08, A3/ B4-08, C3-08 MB p229.31 VW 502.00/ 505.00 BMW LL-04 Porsche (SAE 5W-40) EAST BRANCH : Call us at 63416164 (Synergy@KB. 25 Kaki Bukit Rd 4 #01-36 NORTH BRANCH : Call us at 63635112 184 Woodlands Industrial Park E5 #01-03/04
  20. Whats the difference in features? My Sygic trial just expired and they didnt say which features are removed :(
  21. Dear All, My wife got into an accident recently with a car under my name. Damage was in the 15k region and the car was a write-off. The car was under my name, so I am guessing my future premiums will be affected. If I were to buy another car, should I put it under her name or my name? Generally whose premium will be higher? Aside from our gender, our profiles are fairly similar. Thanks.
  22. Johor Premium Outlets, located at the intersection of the North-South Expressway and the Second Link Expressway, is scheduled to open December 2011. The center is highly accessible to all traffic going to and from Johor and Singapore. It is about an hour drive from the City of Singapore, about 3 hours from Kuala Lumpur and only a short distance from Senai International Airport. 80 Stores premium.bmpDesigner and name brand outlet stores at savings of 25% to 65% everyday. Adidas, Armani, Burberry, Coach, Ermenegildo Zegna, Gap, Guess, Michael Kors, Nike, Ralph Lauren, Salvatore Ferragamo, and Tumi and more are opening soon.
  23. wtd to trade in my Honda over to Nissan, any comments on the Slyphy is much appreciated.
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