I earn a lot more than I expected to have. But because I earn a lot, I also spend a lot and I enjoy it. Almost all of my salary is being used up after receiving it from my workplace. Now, I am in my 30's and I do not have a stable savings account, I might regret sooner if I do not start saving up my salary.
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In case you were not aware, most travel insurers do not cover claims resulting from pre-existing medical conditions while you are overseas, but thankfully Tiq Travel Insurance does so you can go right ahead and opt for one of their Pre-Ex plans to adequately cover yourself on your travels.Some common examples of pre-existing medical conditions are Diabetes, Stroke, Asthma, Cancer and Epilepsy
Tiq Travel Insurance / Etiqa Insurance
When I bought airline tickets much farther out in advance than I would normally do, I bought travel insurance via Allianz and also added the "required to work" rider for it just in case. I am so happy I did as due to some changes in my department I was not able to go on vacation as previously planned. I cancelled my airline tickets and submitted my claim online, including printouts showing I cancelled the tickets, along with an email from my supervisor indicating I was required to work.
Allianz Single Trip Travel Insurance / Allianz Global Assistance Singapore
For folks with pre-existing medical conditions like asthma or heart conditions, they can consider Sompo’s Travel Joy Deluxe plans. Sompo’s plan only covers medical evacuation however and not trip delays and cancellation as well.However, Sompo offers unlimited evacuation should make up for it. If your condition is life-threatening, unlimited evacuation is more important than being covered for a wide variety of incidents.
SOMPO TravelJoy Deluxe / Sompo Insurance Singapore
Their coverage for overseas medical expenses, personal accident, travel delay and baggage delay are now slightly above average, which is awesome. Furthermore, as a pet owner I greatly appreciate them adding in the new category for pet boarding. In general, the Tokio Marine’s coverage is really quite comprehensive and they even cover most tourist adventure sports done at a leisure level. This includes bungee jumping and skydiving, which some other insurers don’t cover.
Tokio Marine TM Xplora Premier / Tokio Marine Insurance Singapore
I made a claim for flight delay and the on-line process was very easy and fast. The claim was actually approved within a day and the claimed amount credited into my e-wallet the following day.Your credit in the e-wallet is best cashed out using Paynow as it is very simple and convenient.
Etiqu ePROTECT travel Basic Plan / Etiqa Insurance
In all honesty, the AIG Travel Guard plans offer really poor value on their Basic plan, and only step up on the Standard plan. So if you’re looking for a cheap and good deal, you can skip AIG completely. The basic plan may be cheap but it is most definitely not good. The only reason you might want to get the low- to middle-tier AIG travel insurance is if you booked your trip via a travel agency and they have some kind of exclusive discount that’ll put it back in the competition.That said, the upper-tier travel insurance plans have surprisingly good coverage, so if you want to buy from AIG, go big or go home. AIG seems to concentrate all their resources on the upper tier plans. Plus, in terms of turnaround time, AIG is not bad – they’re willing to commit to a 10 working day turnaround time from claim to settlement. They’re not the only ones who do this, but it’s better than nothing.
Travel Guard Direct Basic / AIG Asia Pacific Insurance
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People who earns a lot of money usually spends their money for their pleasures. I takes a huge amount of money from their salary and after a few weeks they are complaining that they are broke. For you to save up money, make a budget on your expenses. Do not buy things you would not benefit from. Find alternatives from you leisure.