Hi Sir,
Here is an update on the True Spa Victims case for your update on your blog.
http://news.asiaone.com/News/Mailbox/Story/A1Story20101221-253869.html
spa victim
Monday, December 20, 2010
Easy to make a death claim under Term Insurance
Hi Mr Tan
I have been following your approach of doing DIY for my term coverage, SAF Term Insurance and shield plan, I find that I have much left over to invest in STI ETF. I am very pleased with this approach indeed.
One thing I would like to find out is the ease of claiming in case of death and illness. For example, if something were to happen to me, will it be very tough for my spouse to handle all the claims? Not forgetting that she will be in much emotional distress at this stage. Based on your experience, have you encountered any person, who is still in the right frame of mind, while in mourning of a loved ones, to go to the insurance company customer service centre to do claim?
REPLY
Making a death claim should be quite easy for the dependents. Many people handle it daily. There is really no hurry - so it can be done after all the other arrangements have been completed. No need to worry about it.
An underground city
Mike Hansford sends this collecting of interesting photos of an underground city in Turkey. You can view it without actually visiting this site.
http://tankinlian.com/admin/file.aspx?id=331
http://tankinlian.com/admin/file.aspx?id=331
Images of the past
My friend, Mike Hansford, collects pictures of interesting places around the world. Here are some images from the past.
http://tankinlian.com/admin/file.aspx?id=330
http://tankinlian.com/admin/file.aspx?id=330
SGEP
Read SGEP for views on the social and political issues in Singapore. Some of my blogs are covered there, but you can also find more interesting views from other bloggers. There are also social issues featured in the local and international media. You should bookmark SGEP and visit it daily. Keep abreast of the issues that will affect your voting decision at the next general election.
www.easyapps.sg/sgep/latest.aspx
www.easyapps.sg/sgep/latest.aspx
Law School Personal Statement-4 Top Tips For Law School Personal Statements | Careers In Law
Here are 4 critical factors in preparing your personal statement for admission to law school:
1. Prepare Yourself Well
Your personal statement should address precisely why you are the ideal candidate. You can do this by focusing on you as an individual and your goals, achievements and life experiences.
Give yourself plenty of time to prepare your admission essay by thinking deeply about what you bring to the party in terms of your law school application and why you are outstanding.
Carry out extensive and thorough research on your chosen schools and set out a compelling vision of what you might achieve in the legal profession.
Show commitment and enthusiasm for a career in law.
via careersinlaw.org
2011 Law School Rankings | Law School Rankings In The United States | Careers In Law
Below you see the 2011 law school rankings for law schools in the United States. You can also download the law school rankings as a spreadsheet at the bottom of this page.
via careersinlaw.org
Rejected claim under private Shield
Someone asked me for help. She bought a private Shield plan a few years ago. She was recently hospitalised and spent more than $10,000 for an operation. The claim was rejected due to some "exclusion" which was not clear to her or to a lay person.
This is the danger of private Shield. The consumer thought that she would be covered for A class ward. She spent a lot more in premium to get the peace of mind, and ended up in a nightmare!
A few consumers had asked for my help in similar situations. This is why I advised consumers to avoid private Shield. Read this FAQ. Even if the insurance company rejects the claim under private Shield, they have the duty to make a claim under the Medishield portion, which should be covered.
Read the FAQ on "rejected" in www.tankinlian.com/ask.aspx. You will find other people suffering from the same distress.
Tan Kin Lian
This is the danger of private Shield. The consumer thought that she would be covered for A class ward. She spent a lot more in premium to get the peace of mind, and ended up in a nightmare!
A few consumers had asked for my help in similar situations. This is why I advised consumers to avoid private Shield. Read this FAQ. Even if the insurance company rejects the claim under private Shield, they have the duty to make a claim under the Medishield portion, which should be covered.
Read the FAQ on "rejected" in www.tankinlian.com/ask.aspx. You will find other people suffering from the same distress.
Tan Kin Lian
SP Services - Open an utilities account
SP Services require the consumer to submit the following documents to open an utilities account. It seemed that they feel it their duty to act as the legal office of the government to check for ownership or tenancy of the premises. Why is this necessary? Surely, no one in their right mind will open an account from somebody else?
Are they going overboard with their requirements? They seem to be quite happy to give hassle to their customers.
www.tankinlian.com/latest.aspx
They also require me to find out the KVA of the electric supply. As I do not know the answer, I have to find out from the developer. The staff who answered my call also did not know the KVA. So, it was really a hassle.
Why do they ask for it? They want to ask for the appropriate deposit based on the KVA. It would have been easier if they collect an intial deposit and adjust it according to the consumption. There is a simplier way for consumers, but they prefer their way for their own convenience. They don't care about the hassle that they give to others. It seems to be quite common in Singapore!
Are they going overboard with their requirements? They seem to be quite happy to give hassle to their customers.
www.tankinlian.com/latest.aspx
They also require me to find out the KVA of the electric supply. As I do not know the answer, I have to find out from the developer. The staff who answered my call also did not know the KVA. So, it was really a hassle.
Why do they ask for it? They want to ask for the appropriate deposit based on the KVA. It would have been easier if they collect an intial deposit and adjust it according to the consumption. There is a simplier way for consumers, but they prefer their way for their own convenience. They don't care about the hassle that they give to others. It seems to be quite common in Singapore!
Tan Kin Lian
Eldershield - good or bad?
I wish to analyse the Eldershield premium that is being charged now for people who reaches the entry age. Please send the following infomation to me:
a) starting age
b) amount of annual or single premium
c) duration of premium payment
d) benefit covered by Eldershield.
If you have received the offer for the Eldershield supplement from the insurer, you can send the same details for my analysis.
a) starting age
b) amount of annual or single premium
c) duration of premium payment
d) benefit covered by Eldershield.
If you have received the offer for the Eldershield supplement from the insurer, you can send the same details for my analysis.
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