NTUC Incomeshield Appeal - additional Information Required

After sending my appeal to NTUC Income,  few days later received below letter from NTUC Income

Dear Policyholder

INCOMESHIELD - INFORMATION GATHERING(APPEAL)
INSURED NAME: XXXXXXX
POLICY NUMBER: 90XXXXXX

Thank you for your appeal for Enhanced Preferred and Plus Rider

We would appreciate if you could provide the following information:

1) Supplementary Health Questionnaire on mitral valve prolapse
2) Please submit latest echocardiogram done within last 1 year.
Note: Decision depends on the findings of the report.

(Please do NOT submit original copy of medical report/test result. We only need a clear photocopy)

(For internal ref: XX/XX/XX)

Please not that should you undergo any of the above test(s), or obtain the above report(s) from the hospital(s) and/or clinic(s), the cost of the medical report(s) and the test(s) will be at your own expense.

We have enclosed a self-addressed envelop for your convenience. If we do not hear from you by xx xx xxxx, we will proceed to withdraw your appeal request.

If you have any queries, please call our Customer Service Officers at 63321133 or email healthcare@income.com.sg. We would be most happy to assist you.


Yours sincerely,


Christabel Chang
Manager
Group & Health 

After received this letter, I have only 10 days left to get my medical report. I neele to search a clinic that able to do the echocardiogram and can get the report fast. I search through internet and most of them are in hospital.

Suddenly I browse through TCC website and found

TCC Heart Check Up for Members by 

Lifeline Heart Centre located at Mt Elizabeth Medical Centre.

So I called and found that they able to do the check. The report  will be available after .the test. The appointment date is next day morning.

NTUC Enhance Incomeshield Plan

When I decided to upgrade my Incomeshield Plan B to NTUC Enhance Incomeshield Plan - Preferred in 1 April 2009, I received a letter as follow

It is hereby agreed and declared that with effect from 01-04-2009, the following provision shall apply to this policy

For plicy number : 90xxxxxx, the benefits under Incomeshield and Incomeshield Plus Rider shall not be operative in the event of a claim for costs of treatment, medical advice, hospitalisation, relating to and/or arising out of

DISORDER OF THE HEART

AND ALL ILLNESSES/CONDITIONS CAUSED THERBY AND/OR RELATED THERETO, INCLUDING THE CONSEQUENCES OF TREATMENT

THE ABOVE EXCLUSION, IF PREVIOUSLY COVERED, WILL CONTINUE TO BE COVERED UNDER PLAN BSG

All other terms and conditions remain unchanged.

Countersigned by : _______________    _______________
                             Authorised Officer       Tan Sue Chieh
                                                                Chief Executive

When received this letter, I was disappointed and also feeling unfair. Disappointed as the National heart centre that diagnose I have Mitral Valve prolapse trivial had discharged me with no follow-up check-up or appointment needed. No treatment required then why should NTUC income exclude the heart condition in my policy?
Unfair - I am paying the same premium as other policy insurer but cover less, then why should I pay same but get less?

This year I go for medical check-up and the result is very good. So I decide to appeal for my incomeshield with my medical report and wait for their reply.

Get rebate while using MRT and LRT

Insinc - Incentive for Singapore's Commuters let you win cash while traveling with MRT and LRT. For more details please click the link - https://insinc.sg/r/6H5qwXfv/

10 Things you did not know about Singapore

Quite interesting things to know more about Singapore.

Courtesy of: Infographics.SG

Jetstar Price in Desktop and Mobile Version

Intent to book a air ticket from Singapore to Malaysia Kuala Lumpur and found there is a price different in normal http://www.jetstar.com/sg/en/home

and http://mobile.jetstart.com/s. Wonder why there is different of $30? Actually there is no different. The mobile version already included all the tax eg airport tax and fuel tax etc while the desktop version only indicate the air ticket price. In the overall price, both of them will be the same.

Family Problems

Whenever students absent from lesson, one of the main reasons was they had family problem.



However who's in this world does not has family problem? No family is perfect. Every family is unique with its own combination of strengths and weaknesses. We quarrel, we argue, we fight. We even stop talking to each other at times, but in the end, family is family, the love will always be there and we still care for each other.

How to remove the scorch on the pot

Have read an article on removing the scorch on the pot.

1. 倒入約半碗的白醋(也可以用茶葉)。加水煮沸約三四分鐘>
1. Pour half bowl of white vinegar into the pour. Add water and boil for 3 to 4 minutes
2. 沸後靜置五分鐘，不急的話，也可以放更久。>
2. Let it cool for 5 mins after the boil
3. 神奇的事情發生了，焦掉的部分一整片從鍋子上輕鬆脫落.
3. Miracle happen. The burn mark easily removed from the pot.
4. 用清水沖一沖，再稍微刷一下就清潔溜溜了！
4. Use water to wash and rinse it. The pot will be as new.

How Technology has Affect your Life Poster

Colour Bar at the Bottom of the Toothpaste Tube

Recently have read a "useful tip" from social media stated the original meaning of the colour bar at the bottom of the toothpaste tube.


Green: natural
Blue : Natural + Medicine;
Red : Natural + Chemical composition;
Black : pure chemical.

However the above information is not truth. The rectangular marks or lines on tubes referred to in the message, are using in the packaging process. The marks are known in the packaging industry as "eye marks" (or sometimes "eye spots"). Details can be found in http://www.hoax-slayer.com/squares-on-tube-hoax.shtml

Largest Mural Art

Singapore Book of records for Largest Mural Made from Re-cycled Packaging Materials measuring 1.2m x 105.5m was created on 5 Aug 2013. Please view the video for the mural art telling singapore story / achievement from 1965 to 2013.

How to choose a sweet Water Melon

You may want to try the below method in choosing a sweet water melon.

Solopreneurs to Entrepreneur

As more and more people achieve high education level and changes in the business environment, most of young generation and graduate have become freelancer. As a freelancer, they are their own boss, they manage their own time, financial planning, marketing and promotion. A new term has been evolve as solopreneurs which can also refer to the freelancer. Can solopreneurs become entrepreneur? It depend on the service and product that being offer. If it is only the skill eg mobile programming, web development skill that provide to a company that need it, then they will not be able to become entrepreneur. Entrepreneurs are the creators and builders  of the new ventures. The keyword to entrepreneur are innovative and risk taker. If it is just to provide services to others then it is only consider as service provider. Entrepreneur can start from solopreneur so as to gain experience,to know the market momentum and needs and able to identify when and how to seize opportunities that come with change. As start from freelancer, they need not own a business and risk their personal capital. But when it evolve they need additional skill such as business planning, marketing, strategic management, Intellectual property to protect own right,finance management etc.

Alleged Singapore child abuse at NTUC First Campus

In the recent Singapore hot topic is the alleged child abuse at NTUC First Campus. A lot of news, comments, suggestion and argument were flying in the internet world.

The News -> http://www.channelnewsasia.com/news/singapore/teacher-in-alleged-child/737986.html
The Suggestion -> http://www.channelnewsasia.com/news/singapore/parents-play-a-key-role/740614.html
The Argument and comment - > http://singaporeseen.stomp.com.sg/stomp/sgseen/this_urban_jungle/1869234/toa_payoh_childcare_centre_abuse.html
The original video - >https://www.facebook.com/photo.php?v=10151557043991849
Youtube video - http://www.youtube.com/watch?v=1xspic-5O74
Another Witness statement - > https://www.facebook.com/photo.php?fbid=10200886158370280&set=a.1394874985950.56742.1054458725&type=1&theater

In my view will be more concern on the capability of the staff in teaching the special need students. Do the special need student need to have more resources to take care? Do the teaching staff know that the boy is a special need student and need to pay more attention and patient to it? Do the parent declare the child condition during the registration? Is the staff trained to teach the special need students?

In normal circumstances, most of the parents do not want their child to be "treated specially" and declare as normal in the health declaration. This will causes the delay in the treatment and affect the child learning progress.

SIngapore Hello Kitty make Singaporean crazy

Recently one fast food chain had launched a promotion for a series of six limited-edition Hello Kitty characters dressed in different outfits from popular fairy tales. It had caused some Singaporean crazy and went to queue in the early morning.In some outlets, chaos broke out amid rampant queue jumping as supplies of the toys ran out soon after the stores opened for business. Police was even called to maintain the order so as to prevent the situation out of control. I went to internet and found other hello kitty plush toy design. I wonder will the Singaporean love these design?


Jakks Pacific Hello Kitty Halloween Plush - 5.5" - Witch


Jakks Pacific Hello Kitty Holiday Plush - 5.5" - Green Bow


Hello Kitty 8" Black Plush: Tartan Bow


Jakks Pacific Hello Kitty Holiday Plush - 5.5" - Red Bow


Jakks Pacific Hello Kitty International Plush - 5.5" - USA Theme


Jakks Pacific Hello Kitty International Plush - 5.5" - Russia Theme

Spring Cleaning Recipe for the Grout

Wonder is the below mixture work ?

7 cups water, 1/2 cup baking soda, 1/3 cup lemon juice and 1/4 cup vinegar - throw in a spray bottle and spray your floor, let it sit for a minute or two... then scrub.

3R to 5R

In the past, the slogan for the recycle is 3R : Reduce, Reuse and Recycle. Currently it has evolved into 5R which is Refuse,Reduce,Reuse,Repair and Recycle.

CCS Animation Contest

2 Project submitted for the CCS Animation Contest were shortlisted. Please see below for the project submitted

http://www.youtube.com/watch?v=a_Llh5IZlVM

Design a New Skin for Recycle Bin

3 Trainees have won 1st, 3rd and Consolation prize for the Recycle Bin Skin Design Competition

First

Third

Consolation

CPIB Poster Competition

3 trainees have won 3rd and 2 merit Award in the CPIB Poster-Slogan Competition "Do Your Part to Stamp-Out Corruption". Details can be found on the following link :

http://app.cpib.gov.sg/cpib_new/user/default.aspx?pgID=1314


Below are their design :

3rd Prize

Merit Award

Funny Video

Talented student posted their video project in you tube.