Friday, 30 January 2015

The cost of an insect bite - real story



The Disneyland Measles Outbreak reminded parents to vaccinate their children. But getting vaccine is not perfect. There's still a good chance to become ill. And, if it happens while your travel abroad, what do you do?  

HCC Medical Insurance website reveals a real story about a traveller who became ill in Bangkok, Thailand.
"The traveller was travelling overseas when he was bitten by an insect and developed an infection leading to multilobar pneumonia and exudative tonsillitis. His illness required 11 days in a Bangkok hospital. Unfortunately the language barrier made diagnosing him difficult and hospital employees regularly brought him bills and demanded cash payment. HCCMIS was able to arrange direct payment with the hospital, providing our member peace of mind about his mounting medical expenses."

"The total expenses was $12,149.37. Without insurance, the traveller had to face this big bill.
With Atlas Travel Coverage (HCC Medical Insurance Service Plan), the traveller paid $568.78(*)"


Some travelers, especially those whose destination is other than U.S., seek lower coverage. They assume medical bills shouldn't be expensive down there. Really? You'll never know how much the bill will be until you face it. Protect yourself well enough with travel insurance and enjoy your trip!


Questions about travel insurance? Contact info@biis.ca
To apply HCC http://www.biis.ca/global-expatriate-insurance/hccmis.php


Source: HCC Medical Insurance Service
http://www.hccmis.com/atlas-travel-insurance/?utm_expid=63060921-29.wdV8xUBlTva6uHQO5nwF3Q.0&utm_referrer=http%3A%2F%2Fwww.hccmis.com%2F

(*)deductible: $500, Policy maximum: 1 million, Coinsurance: waived for claim outside US or Canada, Premium: $68.78/60 days coverage



Thursday, 29 January 2015

Tourist Attractions?


Long Crendon Court House - just one of the many under visited attractions England has to offer


Tate Modern, Stonehenge, Big Ben - all names you'd expect to see in a list of the most popular tourist attractions in England. But spare a thought for the attractions where queues are replaced with tumbleweed.

VisitEngland have conducted a survey of 1279 of the nation’s attractions to see which were the most and least popular last year.

The British Museum was the most popular free attraction, followed by the National Gallery and the Natural History Museum in London. The Tower of London, St Paul's Cathedral and Westminster Abbey made the top three spots for the most visited paid for attractions. But what about those who struggle to entice visitors through the door?

The Radar Tower in Essex came bottom of the list with only six visitors throughout the year. Built in 1941, the tower was used to detect German 'E' boats in the Harwich Harbour approaches during WWII.

The Gissing Centre in Wakefield, West Yorkshire, came 5th from bottom. The museum, which celebrates the author George Gissing (who some believe to be one of the best three novelists of his generation alongside George Meredith and Thomas Hardy), was only able to attract 118 visitors in all of 2013.

Saturday, 24 January 2015

Blackpool Celebrates




With the inevitable decline of Britain's seaside resorts over the last decades as Holidays in the Sun have become more accessible to all, we have seen many such towns re-inventing themselves in recent years.

Amongst the largest of these re-vamps have been the Jerwood Gallery in Hastings and the Turner Contemporary in Margate which have attracted millions since opening and now it seems it is Blackpool's turn.

At the very heart of the Lancashire town lies the iconic Winter Gardens dating from the late 19th Century - a Grade II listed building that combines theatres and halls that have been used for almost a hundred and fifty years. It is this building that is now to become a Museum to the resort's history.

Blackpool's Heritage Museum will be housed inside the Pavillion Theatre - previously used as a Bingo Hall. Billed as a Celebration of both the town and the Manchester and Stockport factory workers who flocked to the town in droves for the only entertainment available, the £21 million museum is due to open in 2018.

The Exhibitions will show through mixed media the story of how the town became one of the World's largest resort towns - the Las Vegas of Lancashire and the Architects of the project hope to attract millions to the town again in the future.


For UK and Worldwide Travel Insurance - Click HERE

Sunday, 18 January 2015

Embarrassing Things To Do On A Plane





Falling asleep on a complete stranger has topped a new poll exposing the 10 most common embarrassing experiences for people while flying.

The research conducted by UK flight comparison website Jetcost found 65 per cent of respondents have seen or been involved in people falling asleep on a stranger's shoulder.

A staggering 49 per cent encountered passengers breaking wind. 48 per cent have seen people dribbling whilst asleep (though it's unclear how many of these incidents coincided with people being asleep on a stranger's shoulder).

The study revealed that walking in on someone using the toilet actually figures quite low on the list, while experiencing other passengers arguing was more common.

The survey asked people who had all travelled at least once in the last two years and surprisingly, noisy children were not high on the list of people’s pet peeves. It came in at number nine, only just beating travel sickness.

When all this is going on, nearly two thirds admitted that they couldn’t help but ‘watch as the incident unfolded’, while just over a fifth of people have confessed to sharing awkward glances with fellow passengers, and 18 per cent ‘awkwardly look away, pretending not to notice’.

Co-founder of Jetcost, Antoine Michelat said, “No matter how embarrassing, sometimes we just can’t help but watch as others are put into awkward situations, just to see how it plays out – there’s no better place to do this than on a flight. However, it is undoubtedly a completely different story when you find yourself stuck in one of these situations and you have tonnes of eyes peering out at you.”


Thursday, 8 January 2015

Be honest - Fraudulent misrepresentation




Last month, an woman in Ontario was charged with obstructing justice and fraud over $5,000(*1).  The policyholder reported to police that she had a car accident, although the driver of the vehicle involved in a collision in fact was her daughter. To cover for her uninsured daughter, she coerced the driver of the other vehicle into going along with her story. Moreover, to make her premium cheaper, she deliberately didn't disclose her daughter resided in her household.

Fraud is a serious crime regardless of its size.

When you buy travel insurance, insurance agents asks you about your health condition, such as "Was your last medical check-up more than 12 months ago?"
After a little thought, you may say "No" DESPITE you haven't seen your family physician more than two years. Because you've been in a good health, you think that telling a small lie really is not a big deal. Or, you may be afraid of being given higher premium by telling the truth. This is the moment "Fraudulent misrepresentation" occurs.

Fraudulent misrepresentation is: "A false statement made knowing it to be false and intending another to act on it to his detriment, or made carelessly or recklessly without regard to whether it is true or false."(2).  

And here's the possible consequences.  Failure to disclose or misrepresentation of any material fact, or fraud, either at the time of application or at the time of claim, shall render the entire contract void at the option of the insurer. Any claim therefore will not be payable.

There's a research about "lying" in U.K. (3). The study revealed that quite many people take risk of misrepresenting. "One-in-five (20 %) Brits admit to lying to their insurance company, despite a separate 82% knowing that wrong information registered on an insurance form can render the policy invalid."  The study also found 14% will lie if it's to "save money" ,and about 10% will knowingly lie because they're "scared of the consequences of being totally truthful".

By making a false statement in application, you may end up with huge medical bills. Moreover, fraud costs to insurance companies billions of dollars each year which eventually leads to higher premium. It is POLICY HOLDERS who pay for it. In the story of the Ontario woman, what lead this case to a charge was tips from anonymous; Your lie will be detected sooner or later.  Well, really, being honest eventually saves you.





(1)Canadian Underwriter.ca
http://www.canadianunderwriter.ca/news/anonymous-tips-to-auto-insurance-fraud-line-lead-to-charges-against-ontario-woman/1003407632/


(2)PLB insurance, Glossary of Commonly Used Insurance Terms 
http://www.plbins.com/glossary-of-commonly-used-insurance-terms.html#insurance6

(3)Source:  Zurich Insurance Group
http://www.zurich.co.uk/landing/tellmeliestellmesweetlittlelies.htm


Monday, 5 January 2015

Cruise Holidays - A Guide




Having not long returned from my first Cruise - 24 days aboard the Saga Pearl II - I found this recent article from The Telegraph most interesting.
If you're thinking of booking a cruise - take a look
A is for... ashore
This is where a lot of your time will be spent, so pick an appealing itinerary and check out the shore excursions. If you really want to push the boat out, look for cruises with land-tour extensions. Choices include cuddling a panda with Crystal Cruises and watching an outback sunset at Uluru in Australia with Princess Cruises.
B is for... book ahead
Contrary to popular opinion cruises – and especially river cruises – do sell out quickly. If you have any type of event in mind, cultural or otherwise, are travelling with family (during school holidays) or in a group or want a particular type of cabin, secure it as soon as you can. Christmas markets and New Year cruises are often booked a year in advance. The same applies for booking flights.
C is for... cabins
Most cruise lines don’t call them that. For stateroom, read en-suite bedroom. For suite, read the same, but much larger, with a seating area; rarely does it mean two separate rooms, usually just more room. For studio: read en-suite bedroom with seating area and curtain divider.

D is for... dining options

The venues menu is more mouthwatering than ever, so pack an appetite. Celebrity chef choices include Jamie Oliver’s restaurant Jamie’s Italian on Royal Caribbean International’s Quantum of the Seas and Anthem of the Seas, and Atul Kochhar’s Sindhu on P&O’s Azura, Aurora and Britannia cruise ships.
E is for... enrichment
This term embraces destination-related lectures and locally sourced experiences on board. Don’t miss them: they will help you get more from your cruise.
F is for... fun
The sky’s the limit on newer, larger ships, with skydiving, surfing, ice skating, rock climbing and dodgems among the thrills on offer.
G is for... gratuities
These are covered only on genuinely all-inclusive ships. Other cruise lines either add them to your bill or suggest appropriate amounts. On most ships, gratuities are shared between all the service staff.
H is for... health
It’s in your hands. As on land, at least 30 seconds lathering with soap and hot water before leaving toilets or entering public areas reduces the risk of contagion.
I is for... internet
Connections are still patchier and slower afloat than ashore, but improving. Crystal has upgraded Wi-Fi fleet-wide. Royal Caribbean’s Quantum-class ships claim to offer industry-leading bandwidth and speed. Many ships charge for Wi-Fi but it’s free on Viking river cruises in Europe, Russia and Ukraine.
J is for... just you
Going solo? Norwegian Cruise Line’s ships Breakaway and Getaway each have 59 single studio cabins, within a keycard-accessed complex featuring an exclusive lounge. The refit on Cunard’s Queen Victoria will create nine single cabins. On rivers, Emerald Waterways ships each have two single cabins and every Scenic Tours vessel has one. Elsewhere, look for sailings offering “no or low single-occupancy supplement”.
K is for... keeping fit
It’s easier to keep fit on a cruise ship which usually has a well-equipped gym and promenade deck that you can walk around. Some river ships carry bicycles. Or choose an active cruise such as the August itinerary offered by Ramblers Worldwide Holidays, which includes a guided walk tour in France as part of a cruise on board Fred Olsen Cruise Lines’ Braemar.
L is for... luggage
Weight restrictions will apply if you fly, but cruise lines don’t impose them on board. The night before you disembark, large cases must be left outside your cabin.
M is for... mealtimes
For increasing flexibility, more and more ships are offering when-you-like, where-you-like and with-whom-you-like venues and menus. Those who prefer assigned seating at dinner are catered for on many cruises.
N is for... numbers
The smaller the ship, the fewer passengers, venues and activities on board. Bigger ships have many more activity, entertainment and dining options; but more passengers also means more queues.
O is for... on-board spend
Normally there’s an additional bill at the end of a cruise, so be sure to budget for it. Only a handful of luxury lines are truly all-inclusive: Azamara Club Cruises, Crystal, Regent Seven Seas, Seabourn, SeaDream Yacht Club and Silversea. On the rivers, there are three: Emerald Waterways, Scenic Tours and Uniworld.
P is for... ports of call
Where you dock determines how much you can see and do ashore. You’ll get more time at step ashore ports than somewhere like Civitavecchia, which is the port of call for Rome but is set 50 miles away from the city.
Q is for... Quantum class
Royal Caribbean’s game-changing vessels will sail in Europe from April. The newest and “smartest”, Anthem of the Seas, has robot bartenders, robo-screen experiences, “virtual balconies” and wristbands that function as a room key and payment card on board.
R is for... rivers
Cruising’s fastest-growing sector shows no signs of slowing, and remains the most relaxed, immersive and intimate way to see countries from the “inside”.
S is for... sailing
Star Clippers has the world’s largest full-rigged tall ship, the five-masted Royal Clipper, and two four-masted ships. Ponant has the three-masted Le Ponant. Luxury Windstar Cruises is another alternative.
T is for... transatlantic
This isn’t a cruise, it’s a crossing; and the ship that most famously makes it, Cunard’s Queen Mary 2, is not a cruise ship but an ocean liner. Several other lines offer twice-yearly transatlantic repositioning cruises.
U is for... under the radar
Up-and-coming destinations: Cuba, with Star Clippers; Japan, the Philippines or both with Azamara Club Cruises, Crystal, Celebrity, Holland America Line, Princess and Silversea. Exotic new river routes include Vietnam’s Red River, and, in India, the Brahmaputra with Pandaw Cruises and the Lower Ganges with APT.
V is for... view
But what will you be able to see from your cabin? “Obstructed view” means there’s a lifeboat or structural feature in the way. On river ships, views are a given (but see Windows, below).
W is for... windows
The higher your deck, the bigger your window. In lower cabins they’re shallow and high on the wall, or portholes. Inside cabins don’t have windows, but a few ships create “virtual portholes or balconies” by projecting outside views onto a wall.
X is for... ex-UK cruises
This year, Fred Olsen has departures from 10 UK ports* and Cruise & Maritime Voyages will sail from eight.** Among larger lines basing ships in Southampton are Celebrity Cruises, Cunard, Royal Caribbean and Princess Cruises. Princess will also base Ocean Princess in Dover, and Harwich will host Holland America Line’s Ryndam.
Y is for... youngsters
Ships that cater for children do so in spades. They’ll be so busy you won’t see much of them, unless you want to.
Z is for... Zodiac
These rigid inflatables are not for the faint-hearted. You need to be nimble on your feet to get on and off, and happy to balance unsupported on a sturdy rubber edge
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