It may be difficult to treat tough pains, especially when you have been trying to stay away from the most commonly used techniques like camphor bandages and aspirins. Although these methods can be highly effective, there is a chance of them causing irritation to the skin or have an undesirable interaction with other medications.
A magnetic field therapy or magnetic therapy is considered to be an alternative medical treatment where treating illness, alleviating discomfort and pain and maintaining health are taken care by use of magnets. The practice is known to be useful for those patients who are suffering from both serious conditions and light conditions. Visit to get additional information.

In fact, the most widely used treatment is to use a magnetic patch that can be positioned in any part of the body. The magnetic patch has an impact on a magnetic field that penetrates deep into the affected body zone. Thereafter, it immediately offers relief to the patient and also promotes healing.

Following are some of the benefits of magnetic therapy:

Alleviating pain naturally
The therapy has been in use all around the globe for many centuries. In fact, many people regard the treatment as perfect to get relief from pain. The practice is regarded as an effective and safe method to get relief from pain caused due to conditions such as knee pain, muscle spasms, carpal tunnel syndrome, asthma, migraine, tendonitis, and arthritis among others.

Generally, a magnetic patch is placed over the affected part where an individual is experiencing pain. Studies claim that these magnets function by influencing the ion channels of the body that control the pain signals without producing any side effects.

Improved sleep
Today, a large number of people are known to use magnetic patches to soothe pains and aches. Magnetic therapy can provide relief from pain so that a person can sleep faster, have a proper rest and wake up with new vigor and full energy to face the day.

Helps in healing after a surgery or an injury
Ideally, people use heat and ice for reducing pain, bruising, and swelling in an injured part of their body. You will be surprised to know that magnetic therapy is known to offer similar benefits of heat and ice. However, it has a faster effect on the injured area. Many clinical trials and studies performed on both animals and human beings have revealed that magnetic therapies can speed up the process of healing from surgical wounds and bone fractures. Since they can instantly reach beneath the muscle tissues, there is a faster relief from pain.

Have you ever heard about E Math and A Math? Well basically, E Math is elementary math and A Math is additional math. These two discuss different topics and these two are different in many ways. In this article, we are going to tell you more about these two like how you could score better and we will talk about tuition as well. So if you are struggling with E Math or you are about to have E Math and A Math then this article is for you.

If you are looking for E Maths tuition Singapore, you can try Advo Education Centre that offers quality secondary Maths tuition. They feature ex-MOE teachers and have a wealth of prior teaching experience. If you need help for it urgently, such as for O’ Levels, they also have subject-focused intensive courses to help you improve quickly and effectively. If you are serious about improving your grades, you should check out their site immediately.

Yodaa will now then tell us how we could get A1 for E-Math for the O-levels. Let us read below.

How to get A1 for E-Math for the O-levels?

Taking the Elementary Mathematics (E-Math) is a basic requirement for students who are sitting for the O-levels. It can be an easy subject for some but also a subject that some find difficult to score in. Particularly at the O-levels, it may be more difficult to attain an A1 due to the steep bell-curve.
Here are 6 tips for you to follow through to guide you towards getting the A1 for your E-Math at the O-levels:

  1. Know the format and syllabus
    As mentioned in the various posts on aceing examinations, you will always need to have a good understanding of the format and syllabus. Preparing for the E-Math paper is no exception. Being familiar with the format and syllabus will help you know requirements of the paper and tackle it better.

The E-Math paper syllabus is as follow: Read more here.

No matter what, it is really important that you ensure that you have a good understanding of all the topics. We are not certain of the items that will come out of the test that is why it is always safe to study and understand each or most of the topics.

Now, the next topic that we are going to discuss about is E Maths tuition for experienced tutors. Edu Aid Tuition Services will tell us about it,

E Maths Tuition from Experienced Tutors

Math is introduced right from the start of a child’s formal education in Singapore. Even at primary one, math can be extremely elaborate. Some of the problem sums posed to primary school students can even be difficult enough to stump us adults. It is important for your child to have a reliable E Maths home tuition teacher. As children advance on into secondary school, maths is the last thing that gets easier. Upon entry of secondary one, secondary school students find that their basic principles of math are replaced by the syllabus of elementary mathematics, or otherwise known as E Math. However, the word ‘elementary’ should not be undermined as the syllabus can be described as anything other than elementary.

The most common misconception is that A Math is more difficult than E Math. However, that’s not always the case. Certain students might find the former more challenging, while

others might struggle more with the latter. It’s highly subjective and almost entirely dependent on the way that the student perceives the subject. What one student understands about E Math might not be the same as another. Because of this, students who find it difficult to comprehend E Math are left in need of desperate help. Edu Aid is a tuition agency that connects parents and students with reliable E Math private tutors. Fill up a ‘Request A Tutor’ form and get your child the help that he needs to achieve improved results in E Math today! Read more here.

Great! We can now request for tutors who can provide the help that your children need to achieve improved results in E Math. They have dedicated tutors who could surely teach your child well and good. In addition, Edu Aid Tuition Services again will tell us about A Math home tuition in Singapore.

A Math Home Tuition in Singapore

It’s no doubt that students in general despise math and feel a certain sense of hatred against it. More often than not, students finds themselves feeling more confused by quadratic equations, trigonometric functions, polynomials and partial fractions, and that’s merely a handful of subjects that secondary school students have to learn if they take A Math. As you can already tell, none of these topics are even remotely simplistic or straightforward. It’s also no help that the syllabus are constantly changing as more advanced subjects are added into the curriculum.

The pace of secondary school is also hard to keep up with. It’s an environment where information is unloaded at a rapid pace, making it challenging for them to keep up with what’s going on. There’s just far too much to learn and an insufficient amount of time to teach, forcing secondary school teachers to speed their way through the syllabus. Whoever that’s left behind is often forgotten and left in the dark, overcome by a sense of helplessness. Secondary school students need help in this area; a lot of it.  Read more here.

So just like what was mentioned above, there are math tutors in Singapore for tough courses. They also suggest that you should choose a private tuition for a more effective learning. A form was also already provided for you to fill up if ever you are interested. Math, in general, could really be difficult that is why if you really want to improve and if you have the chance, there are tutors around to help you.

If you ask some students, very few would probably say that they like math because many students actually hate it. The complicated formulas that need to be memorized make it hard for students to easily comprehend and understand. There will always be problems and difficulties. However, we should also know that there will always be solutions and ways. And in this article, we are going to tell you more about it.

If you are looking for an A’ Level Maths tuition centre for A’ Levels, you can try Advo Education Centre for JC Maths tuition. They feature ex-MOE teachers and have a wealth of prior teaching experience. If you need help for it urgently, they also have topic-focused intensive courses to help you improve quickly and effectively. If you are serious about improving your grades, you should check out their site immediately.

To start, The Culture SG will give us tips for the final lap of preparation.


As the prelims exams draw to an end for some schools, and some even collected the grades back. Many students must be disheartened about their grades too. So there are many questions coming in from different students and I thought I can share some of my responses here.

  1. How should I prepare for my A-level?

Firstly, this highly depends on your standards or how you did for prelims (and we should not focus on physical grade here but your percentile!). For students who are consistently 90th percentile and above, I told them to ensure they spend at least 9 hours weekly on H2 Mathematics. 3H without break for each paper 1 and 2. The other 3H to review their mistakes and recap the conceptual problems. They can also let me mark and review their work together. And the end of the day, presentation is really important at A-levels.

Next, for students that have problems passing their prelims. You should not be disheartened if the median mark of your school is 42 (I know of one), Work harder, look at your mistakes and find out what your struggles with the papers are. I have numerous students who consult me with their papers and ask me about their standards individually. They wanted to know where they stand and how they can improve. And I was glad to enlighten them. Times not on our side, so you need to optimise your learning here. Read more here.

There are tips on how you should prepare for A-level math and according to them it would also depend on your performance in the prelims. Now, let us read an article by Lorna O’Hara which is about students sharing how they overcame obstacles to do well in A-levels. Let us read about it below.

Ex-CJC students share how they overcame obstacles to do well in A-levels

Visually-impaired boy’s Math A-level results came as a ‘surprise’

Eighteen-year-old Caleb Tay was born with low central vision and colour blindness. And he loathed Maths.

“I couldn’t understand anything that the [Math] lecturers were saying and I was very discouraged,” said the Catholic Junior College alumnus on March 2.

“I actually thought of dropping from H2 [Higher Level 2] to H1 [Higher Level 1],” he added.

Thus, Tay was pleasantly surprised when he scored an A for his H2 Math.

For his other H2 subjects, he scored Bs for Chemistry and Biology, whereas for his H1 subjects, he scored As for his General Paper and Project Work, and a B for Economics.

“I have my Math teacher [Mr Kuang Kim Chun] to thank,” said Tay. “He helped alleviate a lot of stress” by explaining Math concepts. Read more here.

Setting priorities right. Many students really have activities and responsibilities in school that they need to attend to at the same time. However, like what we have read above, you have to set your priorities in order to make things organized and well. In relation to that, Victoria Neumark will tell us about the challenges of learning and teaching maths.

The challenges of learning and teaching maths

Things are looking up for mathematics. A few years ago, science, technology, engineering and mathematics (Stem) subjects were the focus of much hand-wringing and a government inquiry. Revamping sixth-form mathematics had resulted in a drop in maths A-level entry, Stem subjects were under-recruiting at university, and it was still fashionable for adults to admit “I’m no good at maths,” despite mathematical understanding underpinning not only all the other sciences but daily life and the national economy, from credit card rates to plumbing repairs to air traffic control and the risks of taking medication.

Adrian Smith’s 2004 report into post-14 mathematics was blunt: to compete in the global economy, the UK needed more specialist mathematics teachers with better continuing professional development (CPD) and a curriculum focused on the real world. There followed the Sainsbury review of 2007 on scientific research, the Williams report of 2008 on primary maths and last year’s (2009) CBI report demanding more business involvement in Stem higher education. Read more here.

Teachers are really important for the education of children. They are the role models. However, just like what was said above, teachers lack the confidence in imparting knowledge, and that makes students adapt the lack of confidence from their teachers. Challenges will always be there, but we have to do something about it. Students and teachers must work together in order to make learning effective.

A home paternity test is the most popular and the most convenient method of getting the test done. This is a super easy method. All you have to do is order the kit, either by phone or online, collect DNA easily without having to leave the comforts of your home and then get the results online. The entire process is hassle-free, comfortable, private and fast.

Map My Gene’s tests can allow for health management, a prediction for your future offspring, prevention against diseases, and allow you monetary savings in the long run. If you are serious about your health, you should check out their website here:

There are a number of questions that arise when one thinks of DNA testing at home. We have answered a few questions below to your satisfaction.

1. How long does it take for the sample to reach the lab?

We include an envelope in the home kit that we send you. If you use this paid-envelope, the sample takes about 10 business days to reach us. However, if you are in a hurry, you can use the 1st class mail service or a courier service such as FedEx. If you are an international customer, the time required for the mail to reach us depends on how you send your samples and the place you are sending them from.

2. When can I expect to see my test results?

You usually get your results within one business day. There are, however, exceptions to this one-day rule. The delays are usually due to one of the following:
• To obtain conclusive results, additional testing is required.
• If the mother did not participate in the test, her DNA is required to complete the test.
• Sometimes, the samples provided are contaminated. In such cases, new samples are required.
• The paperwork has not been completed.
• Full payment, which is required before the results are posted, has not been made.

3. Who can get the results?

Only the person who has set up the online account can get access to the results.

4. How do I get my results?

The results are posted to your secure online account. For security reasons, the results are not told over the phone and neither are they emailed to you. You, as the person who set up the account, can request for the hard copy of the report.

5. What do my results mean?

We have to use legal language in our test reports, which can be a little difficult to understand sometimes.
If the result says IS EXCLUDED, it means he cannot be the father because he does not share the biological parent/child relationship.
If the result says IS NOT EXCLUDED, it means that he is the biological father of the child.


Education is the focal point of national development, ever since 1965, the Singaporean government has repeatedly been integrating various strategies, techniques, and scopes in their educational program to meet recent development in science and technology globally. The aim is to prepare a collective number of young individuals who can compete on a global scale for a well-informed future. Hence, the continuous reassessment and restructuring of educational etiquettes in the country.

If you are in Singapore and need to take up tuition, you should consider Advo Education Centre. You can find them at their site above.

This consequently has made the ministry of education (M.O.E) complicate the syllabus of ordinary level education, and because of that, the o’ level education has become tougher. The syllabus has been distorted so that advanced topics taught in higher classes are now introduced to those in lower classes.

This syllabus change has affected many teachers, students and tuition centers such that they are finding it difficult to switch to the new syllabus. Unknown to many, the old syllabus is still taught with outdated teaching materials that in no way correlate to the new, this accounts for the failure of some o’level students especially English language.

In primary school education, the foundation of English is established, as a child progresses into secondary education, English becomes a tougher subject and in fact becomes a regular subject throughout forms 3 and 4. The importance of having a credit in English at ordinary level can not be any lesser emphasis.

The following reasons testifies to this,

It is ESSENTIAL to be calculated into the L1R4 score needed to enter into Polytechnic courses.

It is key to be calculated into the EMB3 score needed to proceed from 4N to 5N or direct admission to the Polytechnic Foundation Programme (PFP). There’s virtually no way to overcome this examination bodies without being sound in English.

All Special and Express stream students must take an at least five subjects but are permitted to take up to a maximum of nine. Students who wish to take ten subjects must get approval from the Ministry of Education. English Language (includes listening comprehension and an oral examination) is a compulsory subject for special and express students without which a student can not move pass the ordinary level.

The ordinary level examination is one that every child in Singapore will someday confront, and it goes a long way to determine the future of such a child. If a child can conquer the challenge by performing excellently, the child able to move on to a great JC or Polytechnic. However, if he performs woefully, his choices and plans to progress further is effectively limited and his dreams will be aborted and cut short.

The overall aim and purpose for this is to build competence in students and make sure only the qualified candidates are given the chance to perform in any field of study of their choice. Hence the government has implemented these policies to equip students with literacy, global awareness, inventive thinking, information and communication skills, all coupled together, these skills will enable young people tap into the countless opportunities of the digital age.

Every parent around the world wants the best for their children academic wise and will invest what ever is at their disposal to achieve this.

As such, it is only traditional for parents to want to see their child excel at their O level examinations so that they can go on and do greater things in life. If we say that ones potential cannot be adequately judged by their success rate in their O level, we may not be out of point, but it cannot be denied how paper qualifications lie in the onus of decision makers as a key criterion in the day world.

Give your child the very best he deserves today. You will not be disappointed!

Every parent should get interested in their children’s education, just sending children to school at times may not be enough, what is necessary is for parents to monitor the performance of the child and hence the importance of english tuition for secondary school students . Also to know the child’s strength and weakness and must be able to address such and do whatever is necessary: seeking guidance from experts, running extra classes, getting required materials for study and make sure the child is given to efforts to save the future of such child.

All employees involved in hazardous occupations know and fear that an accident in the workplace can cause permanent disability or death. Even if the disability is temporary, the earnings lost because of medical leave can be substantial. The Singapore government devised the Work Injury Compensation Act (WICA) to compensate workers for work related injuries and illnesses.

The WICA is an alternative to the common law procedure to seek compensation for work related injuries and illnesses. A common law court requires not also a lawyer but also the legal fees charged by the lawyer and the courts.

Additionally, the decision is taken by a judge and the employee will have to prove that illness or accident was due to the negligence of the employer. Under the WICA, the applicant does not require a lawyer or any legal fees. Instead of a judge, the final decision is taken by an Assistant Commissioner appointed by the Ministry of Manpower (MOM).

The main two benefits of the WICA are as follows.

The person filing the complaint will only have to prove that the accident was caused either during work or as a consequence of work. There is no necessity to prove negligence on part of the employer.

Under the WICA, claims settlement is remarkably faster when compared to the common law process.

After having seen how the WICA functions, let us see the types of injuries and illnesses compensated under this act.

A single line description of the scope of WICA is as follows. WICA allows workers to seek compensation from employers for accidents and illnesses that occur not only because of work but also while working. Four types of scenarios covered by WICA are described below.

Accidents that occur because of the nature of the job performed

Many industries, like construction, oil and gas and mining involve the handling of machines where a life threatening injury can occur anytime. Similar risks are involved while working at heights. Under the provisions of the WICA, employers have to compensate the injured employee within 21 days from the date of service of the notice of assessment (NOA) issued by the MOM. The remarkably short frame of time given to the employer to pay the claim amount is critical in ensuring that critical medical treatment is available to the affected employee.

Accidents that occur when the employee is deployed on an overseas job

A unique feature of the WICA is that workers should be compensated for injuries that occur when they are on foreign assignments.

Accidents that occur during the course of completing a work assignment

Any situation where the employee is involved in an activity related to his or her employer is covered under this condition. For example, accidents that occur while travelling to and from the workplace in a company vehicle are covered under this condition. On the other hand, accidents that occur while travelling to and from the workplace in a vehicle that does not belong to the company are not covered under this condition. In a similar manner, a road accident that occurs while the employee is on a work assignment outside the workplace is covered under this condition. A road accident that occurs if the employee is doing a personal task is not covered under this condition.

Long term illnesses caused by exposure to chemicals and radiation are also covered by the WICA.

The WICA mandates that employers seek insurance cover for all manual work and for non-manual work where a person earns a monthly salary of less than $1600. Even though many employers might feel that Worker Injury Compensation Insurance is not necessary for them, it is not wise to do so. Remember that a workplace injury includes electrocution and fires that occur in the office premises. It is, therefore, necessary for all employers to take a Work Injury Compensation Insurance policy.

Work injury compensation insurance is a plan that provides legal coverage to the employers. . Such a policy is also helpful in satisfying the liabilities that are imposed upon them under the statute of workers’ compensation. The coverage is important for employers since it is useful for them to pay compensation in the event of a death or injury of their employees while they are at workplace. Although there is no doubt that it is an extremely crucial corporate insurance product, there are several employers who would rather not purchase it as there are several misconceptions surrounding them. Here are some of the top myths on work injury compensation insurance debunked.

Myth 1: Work injury compensation insurance is only meant for large organizations and not contractors all risk insurance singapore .

Although you may have a few workers you will require work injury compensation insurance. Yes, it is an optional coverage, but it is recommended that you buy this policy as you could be still held responsible for any type of injuries caused to your workers while they are at work

Myth 2: You feel that the working environment at your workplace is safe and your workers are not likely to get injured.

In reality, it is one of the most important responsibilities to provide a conducive and safe working environment to your workers since you are the employer. No matter how safe you feel the workplace is, accidents can still take place leading to injuries. Thus, it is definitely useful to purchase a work injury compensation insurance policy so that you are ready for any kind of eventualities. Though it may appear unlikely, it is always better to be safe than to be sorry later.

Myth 3: When most of your workers are not located in your office, you need not purchase a work injury compensation insurance coverage.

Though your staffs may be working for you from various other sites, you may still require purchasing a work injury compensation insurance plan. After all, there will not be any key impact due to the geographical location where they stay.

Myth 4: You part as an employer ceases since you have already given the compensation under your work injury compensation insurance.

Your most important role as the employer begins of after you paid the compensation through a work injury compensation insurance. It is essential for you as an employer to establish frequent connection with the injured employee so that you can monitor their recovery process continuously. When you do so, you will know when your injured employee will be able to resume his or her work. On several occasions, employees not only expect monitory benefits but also appreciate the human youth and sympathy that you extend towards them as their employer. Additionally, in case your employee sustains an injury due to alteration in their professional responsibilities; you may find a fresh job for that worker prior to their resuming work post recovery.

Myth 5: Your part-time workers do not fall within the scope of work injury compensation insurance

In reality, your employee’s status is not important of you plan to apply for a work injury compensation insurance policy. In fact, all employees who are a part of your payroll can be under the purview of this corporate insurance and that includes full-time as well as part-time workers.

Myth 6: You feel your workers are like your family members. Hence they will never sue you

While it is good to know that you regard your workers like the members of your family, you could be mistaken when you do not purchase this coverage thinking that they will never sue you. If you do not have work injury compensation insurance, you may have to make payments from your own pocket in case an injured worker sues you.

Claims for Work Injury Compensation can be made either by the Work Injury Compensation Act (WICA) or Common law. In both cases, a strategic procedure has been set in order to provide fast processing of the insurance claims so that the insured can be compensated at the earliest.

The procedure is as follows:


STEP 1: REPORTING – the accident must be reported to the employer immediately after it happens. Based on the information and the severity of the accident, the compensation will be determined. In case there is no real threat or injury to the insured, work injury compensation will not be given.


STEP 2: FILING A CLAIM – the employee or insured has the freedom to choose his claim from either the work injury compensation or common law. He must file a claim within one year from the accident.


STEP 3: MEDICAL ASSESSMENT – the insured has to undergo medical assessment in order to receive the compensation. The doctor has a list of guidelines and treatment that he needs to exercise in order to understand the seriousness of the injuries based on which the payable amount is calculated. Once the insured receives the medical report, the insured or claimant must promptly submit it to the hospital or treatment center along with the medical fees stipulated by the hospital. The fees are paid by the employer. Follow ups of appointment dates and undergoing treatment is mandatory for the claimant. The claimant cannot work if he is found to be unfit by the doctors who treat him. If there is a case of doubt, the claimant can seek the advice of the doctor.  The claimant cannot be forced to work when he is still in the recovery phase and advised by the medical experts to take time off from work. If the claimant is forced, he can request for assistance from the MOM (Ministry of Manpower). But the claimant has to be sincere in his appointments. If he continuously changes doctors or does not attend the medical assessment, the compensation can be suspended.


STEP 4: COMPENSATION AMOUNT – once the medical assessment is performed and the medical report is ready, the report is submitted to the Ministry of Manpower where a Notice of Assessment (NA) is issued to the insured, employer and the insurer. The amount of compensation is mentioned in the NA. If there are any conflicting opinions about the NA, a notice of objection can be raised within 14 days to the Commissioner of the Ministry of Manpower.


STEP 5: CLAIMS – if there is no objection, the amount of compensation can be claims within 21 days after the issue of the Notice of Assessment.


These clear guidelines help make the compensation procedure clean and mess-free. When such well-established procedures are in place, malpractices can be kept at bay.

A performance bond safeguards the interest of the owner of a project and ensures that the project finishes on time, irrespective of any unforeseen circumstance that may otherwise hinder the completion of the project. Following are some of the key benefits of performance bond:

Confidence: Performance bond Singapore lends credence to the ability of a contractor who is about to undertake a project, as stringent measures are taken to assess the financial and professional credentials of the contractor before the bond is issued. The whole prequalification process instills project owner’s confidence in the contractor as the project owner is assured about the ability of the contractor and enough proof that the contractor, in the past, has complied with the guidelines of the completed projects.

Financial security: A performance bond ensures that the project owner doesn’t incur any loss during the course of the project, if the contractor defaults, or pays any additional cost for the completion of the project. If the contractor fails to comply with the terms and conditions of the project or declares bankruptcy before the completion of the project, the owner becomes entitled to make a claim and that’s when the surety company steps in. The surety company then verifies the legitimacy of the claim and takes a decision based on the findings. If the claim has substantial merit, then the surety company ensures that the owner is not impacted financially as a result of the default.

Guarantees completion of a project: A performance bond is meant to protect the interest of a project owner and it ensures the completion of a project even if an undesirable situation crops up. If a contractor fails to adhere to the terms and conditions specified in the contract, the surety company steps in to ensure that the project finishes as planned. Upon receipt of a valid claim, the surety company would either provide financial funding for the completion of the project or would hire a new contractor to complete the pending work.

Apart from that, performance bond Singapore entails other associated benefits as well. If the contractor exceeds the deadline of the project or violates budgetary constraints specified in the contract, the project owner can make a claim. In short, it provides all necessary protections to project owners and they should ideally ask contractors to obtain performance bonds before entering into a contract so that their project is not affected by a situation that can be avoided if preventive measures are taken.

Many people get baffled as far as the topic of car insurance is concerned. Moreover, there are so many myths that surround the subject of vehicle insurance, aggravating the situation further. These misconceptions about the vehicle insurance can be easily busted when you do dome sort of a research. When you are aware of the facts, you are in a much better position to select the right car policy and ensure that you enjoy the most profitable rate.

Take a look at some of the top myths that are associated with car insurance and the fact behind them.

Myth 1: All car insurers rate in the same manner.

Here is a myth that makes many people believe that in their unique scenarios like an accident, being a new driver or a ticket will not let them get a more profitable premium eaten anywhere else. In reality, all car insurers follow their own unique system to rate coverage. Each insurer then goes on to give a distinct rate according to a host of factors, which determine the premium rates. So, if you shop around before making the final decision, it will be a wise decision.

Myth 2: You are entitled to purchase a car insurance policy irrespective of the type of car you are driving

This is not true at all. Irrespective of whether you are driving a car that belongs to your friend or a rental vehicle, your coverage may not always follow you in the capacity of a driver. Insurance is linked with the driver but with the car. So, if you are driving a friend’s car, it is their insurance, which will take a priority for paying a claim. As far as the rental cars are concerned coverage for that can be added to your car insurance policies. However, if you do not add it, you will not get any cover for a damage caused to your rental vehicle.

Myth 3: You need not pay for an increase in the event of accident forgiveness

If you want to avoid an increase in insurance for that first accident of yours, accident forgiveness is a great option. However, you need to bear in mind that the feature has got its own set of limitations. All insurers have certain situations that are out of their forgiveness program. If you intend to change your insurer, the previous forgiveness does not move with you. Your new car insurer can even charge you for fault insurance, which is on the record.

Myth 4: It is not possible for the new drivers to bring down their rates

While there is no doubt that a new driver may end up paying higher rates that does not signify that the insured cannot do anything about it. Insurers may offer some discounts to the new drivers so that they can avail lower premium rates such as discounts on courses for driver education and discount for the good students.

Allegiance can take care of all your queries on insurance related services and levy bonds.

The Work Injury Compensation Act or WICA is a quick and efficient means that allows an employee to claim compensation for work related injuries or diseases without the need of legal procedures.

The First Step

In the case of an accident at work resulting in an injury or a disease, inform your employer as soon as possible. You can also report the incident to the Ministry of Manpower to avoid possible disputes. In fact, every employer has the liability to report to MOM if an accident at work has caused an employee to be hospitalized for 24 hours or to take medical leave for more than three days. The original Medical Certificate is to be given to the employer to claim medical leave wages. Your employer has the obligation, under WICA, to pay the medical bills incurred by the injury or the disease. Even if the employer is waiting for the insurance claim, he is required to pay the medical leave wages by the next payday. Hence, any failure in this matter can be reported to the MOM.

RTW Treatments

According to the changes in the Work Injury Compensation Act effective from 1 January 2016, treatments that are directed toward an employee’s quicker return to work are incorporated under the term medical expenses. Return to Work or RTW activities that can claim WICA compensation include case management, evaluation of functional capacity and assessment of worksite in view of the proper rehabilitation of injured workers.

Serious Injuries

In the case of an injury resulting in a permanent incapacity, you can claim the compensation amount set out by WICA by submitting the relevant claim form within one year, counting from the day of the accident. A waiting period of 3 to 6 months may be required for the doctor to assess the degree of permanent incapacity and submit his report. If you fail to make the required medical appointments, your claim may be suspended.

If you are the holder of a Work Permit, your employer has to provide you with accommodation and food during the recovery period.

The compensation amount is calculated based on the medical report sent by your hospital and MOM issues a notice of assessment or NOA to you, your employer and your employer’s insurer. An objection can be filed within 14 days and if not, the amount will be paid to you by the insurer.

In the case of the death of an employee, his family or dependents may claim the compensation sum. Even if the employer is no longer in business, he will have to pay the claim if it is eligible.