From Wikipedia, the free encyclopedia
Premature birth is the birth of a baby before the standard period of pregnancy is completed. In most systems of human pregnancy, prematurity is considered to occur when the baby is born sooner than 37 weeks after the beginning of the last menstrual period (LMP).
Approximately 12 percent of babies in the United States are born prematurely each year.
The shorter the term of pregnancy, the greater the risks of complications. Infants born prematurely have an increased risk of death in the first year of life (infant mortality), with most of that occurring in the first month of life (neonatal mortality).
Prematurely born infants are also at greater risk for developing serious health problems such as cerebral palsy, chronic lung disease, gastrointestinal problems, mental retardation, vision or hearing loss and are more susceptible to developing depression as teenagers.
In developed countries premature infants are usually cared for in a Neonatal Intensive Care Unit (NICU).
Some of the complications related to prematurity are not apparent until years after the birth. For example, children who were born prematurely have a higher likelihood of having behavioral problems, delays in motor development, and difficulties in school. Specifically these problems can be described as being within the executive domain and have been speculated to arise due to decreased myelinization of the frontal lobes. Throughout life they are more likely to require services provided by physical therapists, occupational therapists, or speech therapists.
For more details, read:
http://en.wikipedia.org/wiki/Premature_birth
Wednesday, January 09, 2008
Congenital disorder
Most health insurance excludes congenital disorder. What is a congenital disorder? Here is a description from Wikipedia.
A congenital disorder is any medical condition that is present at birth. However, a congenital disorder can be recognized before birth (prenatally), at birth, years later, or never.
The term congenital does not imply or exclude a genetic cause. Congenital disorders can be a result of genetic abnormalities, the intrauterine environment, a mixture of both, errors of morphogenesis, or unknown factors.
Congenital conditions can be referred to as diseases, defects, disorders, anomalies, or simply genetic differences or uncomfortable. The usage overlaps, but also involves a value judgement as to the harmfulness of the condition. In particular, people may disagree as to whether a specific physical anomaly should be considered a birth defect or a normal variation.
A congenital disorder can have trivial or grave consequences. The most severe, such as anencephaly, are incompatible with life. Others, such as congenital tumors, vary from causing stillbirth to requiring fetal intervention or special delivery procedures such as the EXIT procedure, to needing surgery in the neonatal period.
The most common congenital tumor is teratoma. Congenital physical anomalies (birth defects) are a leading cause of death in early infancy, accounting for the deaths of nearly 2 out every 1000 infants in the United States.
"Congenital disorders" is a broad category that includes a variety of conditions. Congenital disorders include minor physical anomalies (e.g., a birthmark), severe malformations of single systems (e.g., congenital heart disease or dysmelia), and combinations of abnormalities affecting several parts of the body. Congenital defects of metabolism are also considered congenital disorders.
For more details:
http://en.wikipedia.org/wiki/Congenital
A congenital disorder is any medical condition that is present at birth. However, a congenital disorder can be recognized before birth (prenatally), at birth, years later, or never.
The term congenital does not imply or exclude a genetic cause. Congenital disorders can be a result of genetic abnormalities, the intrauterine environment, a mixture of both, errors of morphogenesis, or unknown factors.
Congenital conditions can be referred to as diseases, defects, disorders, anomalies, or simply genetic differences or uncomfortable. The usage overlaps, but also involves a value judgement as to the harmfulness of the condition. In particular, people may disagree as to whether a specific physical anomaly should be considered a birth defect or a normal variation.
A congenital disorder can have trivial or grave consequences. The most severe, such as anencephaly, are incompatible with life. Others, such as congenital tumors, vary from causing stillbirth to requiring fetal intervention or special delivery procedures such as the EXIT procedure, to needing surgery in the neonatal period.
The most common congenital tumor is teratoma. Congenital physical anomalies (birth defects) are a leading cause of death in early infancy, accounting for the deaths of nearly 2 out every 1000 infants in the United States.
"Congenital disorders" is a broad category that includes a variety of conditions. Congenital disorders include minor physical anomalies (e.g., a birthmark), severe malformations of single systems (e.g., congenital heart disease or dysmelia), and combinations of abnormalities affecting several parts of the body. Congenital defects of metabolism are also considered congenital disorders.
For more details:
http://en.wikipedia.org/wiki/Congenital
Tuesday, January 08, 2008
Improve the Singapore MRT system
I am impressed with the following features of the Taipei MRT system:
a) Good signage
b) Helpful staff
c) Short waiting time
d) Easy to get a seat, even during busy hours
These are conditions that are easy for Singapore MRT to achieve, even though the system is older. What cannot be done through hardware can be achieved through software.
What is needed to get the Singapore system to be less crowded?
Operate more trains. The waiting time for trains during off-peak period is now between 5 to 8 minutes. If the waiting time is reduced by 1 or 2 minutes, the capacity can be increased by 25%. This will impose a small increase in operating cost but a big reduction in waiting time and 25% more people can have a seat.
I accept that during peak hours, our MRT trains are already operating at full capacity. But, we can make the system more comfortable during the off-peak hours, like in Taipei.
a) Good signage
b) Helpful staff
c) Short waiting time
d) Easy to get a seat, even during busy hours
These are conditions that are easy for Singapore MRT to achieve, even though the system is older. What cannot be done through hardware can be achieved through software.
What is needed to get the Singapore system to be less crowded?
Operate more trains. The waiting time for trains during off-peak period is now between 5 to 8 minutes. If the waiting time is reduced by 1 or 2 minutes, the capacity can be increased by 25%. This will impose a small increase in operating cost but a big reduction in waiting time and 25% more people can have a seat.
I accept that during peak hours, our MRT trains are already operating at full capacity. But, we can make the system more comfortable during the off-peak hours, like in Taipei.
Public Transport Guide
The Public Transport Guide is sold in Popular Bookstores for $6.42. I wish to share this story on its usefulness.
I have to attend a 1 day event at Ulu Pandan CC today. I have the choice to drive there as I live quite far away. This means paying parking charges for 1 day.
I decided to try MRT but was not sure about how to get there. I looked at the Public Transport Guide and select page 6 (Queenstown). I guessed that the nearest MRT station was Buona Vista. Indeed it was. From there, the guide indicated that I could take bus 92 to my destination.
I found that the distance from the station to the destination. was quite short, so I have the option to walk the last leg.
The advantages of this Public Transport Guide are:
a) It also acts as a street directory
b) It is easy to locate he bus service
c) It is light and can be easily carried
I have suggested to LTA to display a map in each MRT station and bus stop showing the street directory and bus stops within 3 km. I hope that they will take my suggestion. It will be convenient for commuters who do not have the street directory with them.
Some people are not familiar with using a street directory. They can ask for advise from another person at the station or bus stop.
I have to attend a 1 day event at Ulu Pandan CC today. I have the choice to drive there as I live quite far away. This means paying parking charges for 1 day.
I decided to try MRT but was not sure about how to get there. I looked at the Public Transport Guide and select page 6 (Queenstown). I guessed that the nearest MRT station was Buona Vista. Indeed it was. From there, the guide indicated that I could take bus 92 to my destination.
I found that the distance from the station to the destination. was quite short, so I have the option to walk the last leg.
The advantages of this Public Transport Guide are:
a) It also acts as a street directory
b) It is easy to locate he bus service
c) It is light and can be easily carried
I have suggested to LTA to display a map in each MRT station and bus stop showing the street directory and bus stops within 3 km. I hope that they will take my suggestion. It will be convenient for commuters who do not have the street directory with them.
Some people are not familiar with using a street directory. They can ask for advise from another person at the station or bus stop.
Monday, January 07, 2008
Insuring a risk
If you face a risk with possible losses ranging from $0 to $10,000 and an expected loss of $500, will you pay $700 to insure the risk?
The answer should be "yes". Although the expected loss is $500, the actual loss can be as high as $10,000.
The difference of $200 (about 30% of $700) represents the cost of providing the insurance protection. It goes to cover the marketing, underwriting and claim processing cost of the insurance company. An expense margin of 30% is fair, in the case of an insurance contract that provide indemnity for losses. For a competitively priced insurance, the ratio of losses to premiums should be around 70%.
In the case of a life insurance contract that accumulate savings for the future, the expense ratio should be much lower, say from 5% to 10%.
The answer should be "yes". Although the expected loss is $500, the actual loss can be as high as $10,000.
The difference of $200 (about 30% of $700) represents the cost of providing the insurance protection. It goes to cover the marketing, underwriting and claim processing cost of the insurance company. An expense margin of 30% is fair, in the case of an insurance contract that provide indemnity for losses. For a competitively priced insurance, the ratio of losses to premiums should be around 70%.
In the case of a life insurance contract that accumulate savings for the future, the expense ratio should be much lower, say from 5% to 10%.
Secret Formula
Do you know the secret formula for the Amazing Number puzzle?
http://www.tankinlian.com/amazing/index.html
http://www.tankinlian.com/amazing/index.html
High charges on regular premium ILP
Hi Mr. Tan,
I've just realised to my horror that I've tied myself down to a useless investment product - a regular ILP. This is with X. My monthly premium is $100.
I have been paying premiums for the past two years. The value of the investments is only about $600. If I surrender the policy, this is what I'll get back. Should I continue? Will this investment ever even break-even?
REPLY
You have incurred most of the upfront expenses already. From now on, most of your premium will be invested. What you have spent in high charges in the past should be written off. I suggest that you keep this ILP policy.
Lesson: Avoid regular premium ILP. The charges are too high. 18 months of the premium has been taken away to pay commission and marketing expenses.
I've just realised to my horror that I've tied myself down to a useless investment product - a regular ILP. This is with X. My monthly premium is $100.
I have been paying premiums for the past two years. The value of the investments is only about $600. If I surrender the policy, this is what I'll get back. Should I continue? Will this investment ever even break-even?
REPLY
You have incurred most of the upfront expenses already. From now on, most of your premium will be invested. What you have spent in high charges in the past should be written off. I suggest that you keep this ILP policy.
Lesson: Avoid regular premium ILP. The charges are too high. 18 months of the premium has been taken away to pay commission and marketing expenses.
Rejection of medical claim - congenital condition
Dear Mr. Tan,
I have taken medical insurance for my daughter since she was a baby. There was no claim for more than 10 years.
Recently, we discovered that she was suffering from a serious medical condition. The insurance company X rejected the claim as the medical condition was congenital. We feel that this is most unfair. What is your advice?
REPLY
I suggest that you bring this this matter up to the senior management of X. You can point out that this illness was discovered more than 10 years after the policy was taken up. Due to the long lapse of time, it may not be fair for them to apply the congenital clause.
Perhaps you can ask them to get their doctor to certify that the illness is really congenital and should be excluded.
If they do not give you a satisfactory explanation, you can lodge a complaint with the Financial Dispute Resolution Center: http://www.fidrec.com.sg/website/faq.html
I wish to extend my sympathies on your predicament, first on this unexpected illness and second on the rejection of the claim. I hope that the senior management of X will take a sympathetic view. I wish you all the best.
I have taken medical insurance for my daughter since she was a baby. There was no claim for more than 10 years.
Recently, we discovered that she was suffering from a serious medical condition. The insurance company X rejected the claim as the medical condition was congenital. We feel that this is most unfair. What is your advice?
REPLY
I suggest that you bring this this matter up to the senior management of X. You can point out that this illness was discovered more than 10 years after the policy was taken up. Due to the long lapse of time, it may not be fair for them to apply the congenital clause.
Perhaps you can ask them to get their doctor to certify that the illness is really congenital and should be excluded.
If they do not give you a satisfactory explanation, you can lodge a complaint with the Financial Dispute Resolution Center: http://www.fidrec.com.sg/website/faq.html
I wish to extend my sympathies on your predicament, first on this unexpected illness and second on the rejection of the claim. I hope that the senior management of X will take a sympathetic view. I wish you all the best.
Sudoku Challenge - Preliminary Round
The preliminary round of Sudoku Challenge (for people 40 and over) was held at Bishan Community Club on 6 January. A total of about 130 people participated in the two sessions. They spent about 25 to 60 minutes to complete 5 Sudoku puzzles.
The top 16 winners have been identified. They will take part in the Finals to be held at Suntec City on 13 January.
The public is invited to watch this event. There will be other mind games which are being held at the same time. There is also an exhibition.
The top 16 winners have been identified. They will take part in the Finals to be held at Suntec City on 13 January.
The public is invited to watch this event. There will be other mind games which are being held at the same time. There is also an exhibition.
Risk Management and Insurance
I conducted the first class on Risk Management and Insurance at Singapore Management University today.
I enjoy the experience. The students participated well. From their feedback, they like the topics covered, which are useful and relevant to them.
I enjoy teaching and sharing my working experience with the students.
I enjoy the experience. The students participated well. From their feedback, they like the topics covered, which are useful and relevant to them.
I enjoy teaching and sharing my working experience with the students.
Disability income insurance
Dear Mr. Tan,
What are your views about disability income insurance?
REPLY:
As a general principle, disability income insurance is useful. If a person is disabled due to illness or accident and is not able to earn an income, the insurance will make a regular payment to replace the lost income.
In practice, the situation is different.
Here are my views, based on my limited knowledge of the market for disability income insurance in Singapore.
1. The market for disability income insurance taken by individuals is quite undeveloped in Singapore.
2. The premium rate tends to be quite high in relation to the actual cost of the risk. You will probably have to pay a high premium for a cover that is worth much less.
3. There is a long waiting period (usually three months), before the disability income starts to pay. The period of payment may also be limited.
4. If you buy disability insurance in a group, for example through an employer, or an association, you are likely to get more competitive premium rates.
5. For individuals, you can insure for temporary disablement caused by accidents through a personal accident policy. The premium rate is quite competitive.
What are your views about disability income insurance?
REPLY:
As a general principle, disability income insurance is useful. If a person is disabled due to illness or accident and is not able to earn an income, the insurance will make a regular payment to replace the lost income.
In practice, the situation is different.
Here are my views, based on my limited knowledge of the market for disability income insurance in Singapore.
1. The market for disability income insurance taken by individuals is quite undeveloped in Singapore.
2. The premium rate tends to be quite high in relation to the actual cost of the risk. You will probably have to pay a high premium for a cover that is worth much less.
3. There is a long waiting period (usually three months), before the disability income starts to pay. The period of payment may also be limited.
4. If you buy disability insurance in a group, for example through an employer, or an association, you are likely to get more competitive premium rates.
5. For individuals, you can insure for temporary disablement caused by accidents through a personal accident policy. The premium rate is quite competitive.
Sunday, January 06, 2008
Personal savings for your retirement
Many Singaporeans rely on the Central Provident Fund as their main source of savings for retirement.
Many have found it to be inadequate. In 1999, only one-third of people reaching age 55 had sufficient savings to meet the Minimum Sum of $60,000. The Minimum Sum has now been raised to $99,600. This is only sufficient to meet the very basic cost of living in Singapore.
For a more comfortable standard of living, you need at least two times of this Minimum Sum.
Let me share eight tips with you on how you can get adequate savings for your retirement.
Click here for the full article:
http://www.tankinlian.com/articles/savings.html
Many have found it to be inadequate. In 1999, only one-third of people reaching age 55 had sufficient savings to meet the Minimum Sum of $60,000. The Minimum Sum has now been raised to $99,600. This is only sufficient to meet the very basic cost of living in Singapore.
For a more comfortable standard of living, you need at least two times of this Minimum Sum.
Let me share eight tips with you on how you can get adequate savings for your retirement.
Click here for the full article:
http://www.tankinlian.com/articles/savings.html
Technique to solve Logic Quiz E-1
Here is the technique to solve Logic Quiz E-1 (see below).
Start with clue 11 which fixes the house of the engineer. From there, you can use clues 10, 12 and 20 to fix the houses for the stated characteristics. You can use clue 3 to fix the house of the lawyer.
After you have fixed the house of the engineer and the lawyer, you can use clue 13 to fix the house of the accountant and salesman.
Start with clue 11 which fixes the house of the engineer. From there, you can use clues 10, 12 and 20 to fix the houses for the stated characteristics. You can use clue 3 to fix the house of the lawyer.
After you have fixed the house of the engineer and the lawyer, you can use clue 13 to fix the house of the accountant and salesman.
The remaining two occupations are the technician and doctor. If you study the clues 2 and 8, you will be able to find their houses.
It will quite easy to complete the remaining clues. Look for the clues that fit exactly into the blank squares (i.e. only one solution).
If you take step by step, you can complete the whole quiz. It may take you 30 minutes to solve this quiz the first time, but with practice, you can reduce the time down to 10 minutes for a similar quiz.
Logic Quiz E-1
If you want a challenging logic quiz, try the following. Put our name and time taken in this blog. If you can get the answer within 15 minutes, you are very good!
There are six houses with different colours in a row. Each occupant likes a different fruit, drinks a different beverage, drives a different car and speaks a different language.
1. The person who speaks French lives to the left of the person who speaks German.
2. The technician lives to the left of the green house.
3. The person who drinks water is the lawyer.
4. The person who likes melon lives to the left of the person who likes durian.
5. The person who speaks Japanese lives two houses left of the brown house.
6. The person who speaks Italian lives two houses left of the person who drives Hyundai.
7. The person who drives Honda lives two houses left of the person who drives Nissan.
8. The person who likes mango lives two houses left of the doctor.
9. The person who drives BMW lives two houses left of the blue house.
10. The engineer lives two houses left of the person who drinks water.
11. The engineer lives in the third house.
12. The person who likes apple lives to the left of the engineer.
13. The accountant lives to the left of the salesman.
14. The person who likes banana lives two houses left of the person who drinks beer.
15. The person who drives Peugeot lives two houses left of the person who likes strawberry.
16. The person who drinks tea lives two houses left of the yellow house.
17. The person who drinks juice lives to the left of the person who drinks wine.
18. The white house is two houses left of the person who speaks Russian.
19. The person who drives Toyota lives three houses left of the person who drinks milk.
20. The red house is to the left of the person who likes apple.
Question: Who speaks Chinese
There are six houses with different colours in a row. Each occupant likes a different fruit, drinks a different beverage, drives a different car and speaks a different language.
1. The person who speaks French lives to the left of the person who speaks German.
2. The technician lives to the left of the green house.
3. The person who drinks water is the lawyer.
4. The person who likes melon lives to the left of the person who likes durian.
5. The person who speaks Japanese lives two houses left of the brown house.
6. The person who speaks Italian lives two houses left of the person who drives Hyundai.
7. The person who drives Honda lives two houses left of the person who drives Nissan.
8. The person who likes mango lives two houses left of the doctor.
9. The person who drives BMW lives two houses left of the blue house.
10. The engineer lives two houses left of the person who drinks water.
11. The engineer lives in the third house.
12. The person who likes apple lives to the left of the engineer.
13. The accountant lives to the left of the salesman.
14. The person who likes banana lives two houses left of the person who drinks beer.
15. The person who drives Peugeot lives two houses left of the person who likes strawberry.
16. The person who drinks tea lives two houses left of the yellow house.
17. The person who drinks juice lives to the left of the person who drinks wine.
18. The white house is two houses left of the person who speaks Russian.
19. The person who drives Toyota lives three houses left of the person who drinks milk.
20. The red house is to the left of the person who likes apple.
Question: Who speaks Chinese
Low cost Term Insurance
Dear Mr. Tan,
Where can I buy low cost Term insurance?
REPLY
Read this FAQ:
http://www.tankinlian.com/faq/termd.html
Give a call to 3 companies and ask them to quote the Term insurance for your age and sum assured.
Read this FAQ for the benchmark rates:
http://www.tankinlian.com/faq/term.html
Where can I buy low cost Term insurance?
REPLY
Read this FAQ:
http://www.tankinlian.com/faq/termd.html
Give a call to 3 companies and ask them to quote the Term insurance for your age and sum assured.
Read this FAQ for the benchmark rates:
http://www.tankinlian.com/faq/term.html
Low cost insurance and funds
Many people have sent an e-mail to ask for my advice on how they can buy low cost insurance and funds.
I have referred them to the following:
1. Business center of NTUC Income
2. i-Term available from Income's website
3. Flexi-link and Combined Fund from NTUC Income
4. Exchange Traded Funds from the Singapore Exchange
I have also referred them to a few NTUC Income advisers, who have agreed to offer only the low cost insurance and funds. As they earn a small commission, you should not expect them to spend too much time visiting your home. Discuss with them by e-mail or telephone, or visit their office.
Some other people have recommended unit trusts available thorugh Poems (Phillips Securities), Fundsupermart, DollarDex and Finantiq. I agree with the use of these internet portals, but you should choose the low cost funds.
See this FAQ:
http://www.tankinlian.com/faq/savings.html
You can read the following FAQs on how to buy insurance directly:
http://www.tankinlian.com/faq/termd.html
http://www.tankinlian.com/faq/motord.html
I have referred them to the following:
1. Business center of NTUC Income
2. i-Term available from Income's website
3. Flexi-link and Combined Fund from NTUC Income
4. Exchange Traded Funds from the Singapore Exchange
I have also referred them to a few NTUC Income advisers, who have agreed to offer only the low cost insurance and funds. As they earn a small commission, you should not expect them to spend too much time visiting your home. Discuss with them by e-mail or telephone, or visit their office.
Some other people have recommended unit trusts available thorugh Poems (Phillips Securities), Fundsupermart, DollarDex and Finantiq. I agree with the use of these internet portals, but you should choose the low cost funds.
See this FAQ:
http://www.tankinlian.com/faq/savings.html
You can read the following FAQs on how to buy insurance directly:
http://www.tankinlian.com/faq/termd.html
http://www.tankinlian.com/faq/motord.html
People will buy insurance
For decades, insurance professionals have held the view that "insurance has to be sold". People will not buy insurance on their own. The solution was to train insurance agents and pay them high commission to sell the insurance products.
Times have changed. People will buy insurance for the following reasons:
1. They want to be protected financially against the risk of death or disability
2. They want to save and earn a good return for the future
3. They will buy an insurance product that gives good value to them.
4. They need to find someone that they can trust.
In my blog and website, I will educate people about the good value products, including the following:
1. Term insurance
2. Personal accident insurance
3. Low cost, diversified investment funds
Tan Kin Lian
Times have changed. People will buy insurance for the following reasons:
1. They want to be protected financially against the risk of death or disability
2. They want to save and earn a good return for the future
3. They will buy an insurance product that gives good value to them.
4. They need to find someone that they can trust.
In my blog and website, I will educate people about the good value products, including the following:
1. Term insurance
2. Personal accident insurance
3. Low cost, diversified investment funds
Tan Kin Lian
Low cost funds
You can buy low cost funds directly through the following internet portals:
a) Poems, http://www.poems.com.sg/
b) Fundsupermart http://www.fundsupermart.com/main/home/index.svdo
c) DollarDex http://www.dollardex.com/SG/INDEX.CFM
d) Finantiq http://www.finatiq.com/home/index.shtm
More details at:
http://www.tankinlian.com/faq/lowcost.html
a) Poems, http://www.poems.com.sg/
b) Fundsupermart http://www.fundsupermart.com/main/home/index.svdo
c) DollarDex http://www.dollardex.com/SG/INDEX.CFM
d) Finantiq http://www.finatiq.com/home/index.shtm
More details at:
http://www.tankinlian.com/faq/lowcost.html
Low cost Personal Accident
You should buy a Personal Accident insurance to cover 5 years of your income. If you earn $30,000 a year, you can insure for $150,000.
This policy will cover death and permanent disability caused by accidents, as follows:
a) Amount payable on death: $150,000
b) Double indemnity under certain circumstances: $300,000
c) Permanent disablement: depending on extent of disability, up to $150,000
d) Temporary Disablement: $150 a day, up to 104 weeks
e) Medical Expenses: up to a specified amount for any one accident
f) Emergency Evacuation and Repatriation
An accident is usually defined as being caused by an external, violent, unexpected event. This is intended to exclude claims for illness or poor health.
The standard policy will usually exclude pre-existing physical or mental defects,
pregnancy and childbirth, war risks, motorcycling, climbing or mountaineering necessitating ropes or guides, judo, karate and some hazardous sports. You can pay a higher premium rate to cover some of these risks.
The annual premium for a sum assured of $150,000 varies from $100 to $300, depending on your occupation and on the insuranced company that provide the insurance.
More details can be found at:
http://www.tankinlian.com/faq/pa.html
This policy will cover death and permanent disability caused by accidents, as follows:
a) Amount payable on death: $150,000
b) Double indemnity under certain circumstances: $300,000
c) Permanent disablement: depending on extent of disability, up to $150,000
d) Temporary Disablement: $150 a day, up to 104 weeks
e) Medical Expenses: up to a specified amount for any one accident
f) Emergency Evacuation and Repatriation
An accident is usually defined as being caused by an external, violent, unexpected event. This is intended to exclude claims for illness or poor health.
The standard policy will usually exclude pre-existing physical or mental defects,
pregnancy and childbirth, war risks, motorcycling, climbing or mountaineering necessitating ropes or guides, judo, karate and some hazardous sports. You can pay a higher premium rate to cover some of these risks.
The annual premium for a sum assured of $150,000 varies from $100 to $300, depending on your occupation and on the insuranced company that provide the insurance.
More details can be found at:
http://www.tankinlian.com/faq/pa.html
Big change in Taiwan over 32 years
My last visit to Taiwan was 32 years ago. The tourist guide explained the many restrictions under martial law. Strict action was taken against dissenters. People were put behind bars for minor offenses.
Today, the situation has changed considerably in Taiwan. People are free to express their views. Democracy thrived. People are more confident, more courteous, more relaxed. They enjoy life.
Today, the situation has changed considerably in Taiwan. People are free to express their views. Democracy thrived. People are more confident, more courteous, more relaxed. They enjoy life.
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