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“It’s not personal. It’s strictly business.” This famous line from the Godfather perfectly explains the approach you should be taking when dumping your insurance agent to buy insurance direct – if you already know what coverage you want.
Insurance is one of those “products” that you probably hate paying for. And I don’t blame you. It’s compulsory (for cars and homes anyway), it’s expensive, and it’s physically immaterial – unless you count the free insurance brochure your agent hands you as part of your “purchase.”
It was a night to remember. It was a night to forget. Regardless of whatever the cause or reason, the riot at Little India was something no decent human being would have wished for. We are deeply thankful for the brave men and women who, in one way or another, stopped the situation from becoming worse than it was.
You say you believe in ensuring that all Singaporeans have healthcare that’s both high quality and affordable. But how can you keep that promise when our declining, ageing workforce is being gradually replaced by cheap foreigners who pay little taxes?
Thom Yorke was right when he sang the verse “we are accidents waiting to happen.” Well… at least in my case because I can’t walk to the restroom without stubbing my toe every time. But accidents can and do happen. It doesn’t matter whether you’re operating heavy machinery, hiking in Tibet, riding the bus, or even taking a shower. And if you’re uninsured against injury or death from accidents, it could prove disastrous for your finances.
According to a recent survey, half of Singaporeans lack sufficient insurance. That’s not as blameworthy as you’d think. A fair number of insurance options are overpriced; and an hour long chat with an insurance agent probably isn’t high on the list of thrilling weekend activities. So if you’re not into insurance, here are some quick options:
It took real willpower to watch NDR 2013 without giving in to my urge to play a Spartacus: Blood and Sand or Game of Thrones DVD. In fact, my head is still playing the infamous line: “Don’t worry, go ahead, plan on it, get married, get your flat!” (Translation: please, please, please give birth to more taxpayers… err, citizens!).
I’m pretty hard to insure. It may have something to do with my blood pressure. Or maybe I shouldn’t have dived out a moving vehicle to retrieve that potato chip…at least not with the insurance agent next to me. Whatever the case, they won’t cover me for anything short of death now. And I know I’m not alone. So if you’re in the same situation, pay attention to these survival methods. And in time, even those insurers might change their minds:
Everything to do with medicine, short of saving your life, sucks. Taking pills? Injections? Getting cut open on a table? You’d think those would be the biggest price of not dying. But sadly, the pain and inconvenience are just the icing on a big poo cake. The medical bill is what will have you wishing you’d just died. Luckily, medical bills can be negotiated: