11Jan

5 Changes in Travel with the Vaccine

Vaccine approval that came in the tail-end of 2020 has left travellers wondering what changes they should expect this year.

And as many countries ramp-up vaccinations, the world is once again left in the dark with the new strain of the virus that led to more shutdowns and closed borders.

Given the current situation, what changes can we expect?

VACCINATION PASSPORTS

Qantas Airlines stated in November that it will require proof of vaccination from their passengers once a vaccine is approved. This serves as an onset of what other airlines will do to ensure health and safety.

Many airlines are currently testing technology to streamline the health documentation process, including mobile health apps like CommonPassICC AOKpass and VeriFLY to ensure travellers can show their health data in a secure, verifiable way.

it is important to note, however, that until the vaccine is widely distributed, rigorous screening and quarantining will remain a key part of the travel experience — before and after travelling.

SOARING TRAVEL COSTS

Depending on the destination, foreign visitors will still be required to quarantine for periods ranging between 14 to 21 days. The new COVID strain has pushed many countries to require extended quarantine which means added cost for food, accommodation and other miscellaneous expenses.

The tourism industry has also adapted to travel bubbles in which a set of tourist destinations agree to accommodate a group of while keeping doors to new visitors closed. As a result, a person or group that’s planning to stay for only five days in a country will have to stay the same number of days with the batch they with whom they arrived. As such, one can incur additional expenses.

REDUCED CAPACITY & SHORTED ITINERARIES FOR CRUISES 

Most cruises will return sailing at a reduced capacity with limited routes. In the US, initial trips will be limited to 7 days, according to C.D.C. guidelines. Masks will be mandatory in all public areas including outdoor decks. Screening and testing will also be mandatory.

Even with intensified safety measures, several cruise lines in Europe and the Caribbean that sailed in recent months were ordered to cut trips short after reporting outbreaks.

BUSINESS TRAVEL UNLIKELY TO PICK-UP IN FIRST PART OF 2021

Travelling for business is not expected to recover soon with many businesses moving operations online. Majority of airline recovery will be from leisure travel during the first half of the year.

Frequent businesses flyers with points have also been assured that they’d still be able to use their points for future flights. What’s more likely to happen is that there will be an increase in value in how flier miles can be used in the first few quarters of 2021.

Finally, in relation to cruises and air travel, agencies and transportation providers are expected to roll out more flexible cancellation policies to last at least through 2022 or longer.

TRAVEL INSURANCE REQUIREMENTS

An emphasis on travel insurance with repatriation and Covid-dedicated policies are also anticipated to emerge as Visa requirements. Expect insurance providers to offer new products that cater to these needs in the early part of 2021.

As it stands, there’s still a lot of uncertainty with international travel. Domestic holidays will prove to be the simpler and more cost-effective alternative for the lockdown-weary.

Need help with travel insurance? We help find the best policies for expats in Hong Kong.

8Apr

Updating Your Health Insurance

As we go through different phases of our lives, so do our needs for health insurance cover. Does your current plan still cover your needs or are there parts of the policy that are not longer needed?

Health insurance covers must also adjust to the rest of your family member’s needs which is why it’s important to check with your provider every two years.

Here are questions you should ask when reviewing your policy:

1. Is my policy limit enough to cover my needs and my supplementary? There are policies that offer unlimited annual policy offers.

2. Do you have plans of moving or traveling more frequently? This means you might need a health insurance policy that covers the places you will be traveling. There are international health insurance covers that follow you wherever you are and plans that excludes the US or UK.

3. If you’re married and have a growing family, is your insurance plan able to adapt to maternity and child needs?

4. Do you need to add a policy for pre-existing, mental, hereditary, congenital and chronic conditions?

5. If you have a policy taken care by your current employer, you also need to evaluate if you’ll need a separate private medical insurance if there are plans of changing jobs. Check if the company health insurance covers for family members or for chronic diseases. If you have special medical needs and your company insurance does not cater to its treatment, an international health insurance cover should be able to take care of what’s lacking.

AS AN EXPAT, CONSIDER INTERNATIONAL HEALTH INSURANCE

This health insurance policy is generally comprehensive and can cover maternity and cancer treatment. It all depends on your needs as well as your family’s. Village Insurance Direct helps expat find affordable and complete international health insurance from established providers in Hong Kong.

As an expat, you need to foresee if you will be moving in the next years and having international health insurance that follows you wherever you will give you peace of mind in situations where a local hospital may be unable to provide for your needs. The advantage of having this type of insurance is also having local service from your provider’s customer support so you know exactly what your policy can cover.

Ask your insurance provider about your current policy. It is also crucial that you do your own research especially if you’re paying a substantial amount for medical insurance you yourself and your family.

30May

Expat Guide: Why You Need International Health Insurance

Hong Kong’s medical facilities and inpatient services is one of the best in the world. It is also one of the reasons why it is considered an expat hub in Asia. As a foreigner in a top global city, should you consider international health insurance?

The simple answer is YES.

SPEND LESS ON PRIVATE FOR HOSPITAL CARE

International private health insurance covers a bulk of the expense should one choose to go to a private hospital. Without a Hong Kong ID card, public health care could be a challenge especially for fatal injuries or chronic illness. Although public hospitals and their doctors are world-class in Hong Kong, immediate and consistent attention to your needs as a patient is better guaranteed with private health insurance.

COMPLIMENT YOUR MOBILITY

Expats often find themselves traveling to other countries on top of the new country they have chosen to reside. International health insurance follows you wherever you are and it till give you peace of mind in situations where local hospital may be unable to provide for your needs. The advantage of having this type of insurance is also having glocal service from your provider’s customer support so you know exactly what your policy can cover.

EMERGENCY EVACUATION

This is one of the best features of international health insurance. For expats who live in high-risk areas or live active lifestyles that may hold more risks than usual, getting covered for emergency evacuation could be what separates you from life or death. Repatriation cover allows expats to be flown back to their home country if necessary.

SUPPLEMENT FOR YOUR COMPANY-PROVIDED INSURANCE

Check if the company health insurance covers for family members or for chronic diseases. If you have special medical needs and your company insurance does not cater to its treatment, an international health insurance cover should be able to take care of what’s lacking.

OTHER HEALTH COVER

This health insurance policy is generally comprehensive and can cover maternity and cancer treatment. It all depends on your needs as well as your family’s. Village Insurance Direct helps expat find the affordable and complete international health insurance from established providers in Hong Kong.