By Shujaath Ahmed Khan as published in Saudi Gazette, English Newspaper of Saudi Arabia
I am an Indian working for a Trading company. I will be bringing in my parents on a visit visa for a month. We have a Company group medical policy with a local company. I would like to know whether I can cover my parents under medical insurance during their visit to Saudi Arabia?
Majority of medical Insurers in Saudi Arabia does not consider parents as dependents. The policies are designed to cover the employees and their legal dependents who are resident in Saudi Arabia. Even the current description of CCHI of dependents is "the husband, wives, male sons under the age of eighteen and unmarried daughters". Hence it may not be possible to include parents under the policy. It is very difficult to get the right coverage for the parents visiting Saudi Arabia locally. There are plans underway to provide coverage for Umra visitors and people visiting on Visit visa in near future, but the cost and coverage may act as a deterrent. The best option available will be to have a local annual coverage in home country and get it extended for international coverage. In India there are Overseas Medi-Claim policies specially designed for visitors going abroad with wider limits and competitive rates, these are also very useful. Other than above two type of coverages Travel Insurance also provide an element of Medical coverage during visits abroad.
We have got a contract to build a commercial building. The contract specifies us to make an insurance for the project. Can you advice us how to go about this particular type of insurance as currently there is no building and value at the site?
This type of risk can be covered under contract works insurance also known as contractor all risk insurance. The coverage is based on the value of your contract. You can also get the extensions for your marine insurance and public liability. If the owners are have surrounding property, it can also be covered under this policy along with the constructional plant and equipments. If you are a regular contractor you can also explore an annual policy which will help you in getting a competitive rate from the Insurer. These policies can also be extended to cover testing and maintenance period. Once the project is handed over to the client the coverage comes to an end and it can be covered under standard property or fire policy.
Creative Associates Wisdom -Morals
Share markets have always been fluid. It is seen that people who have lost money in the share market are more than the people who have made money in the share market. This is like one man's poison is another man's food. During 2006 many locals made losses in Share Market, some even had strained family relations due to these losses. In other developing countries losers in share markets have ended up committing suicides. People have lost their hard earned money in the share market in the hope of making money. Even share brokers have become victim of this cycle. Speculative deals are even prohibited in Islam. Hence one should tread very carefully in the Share Market. If one decides to enter, he should be capable enough to make a knowledgeable decision and stay away from speculative Trading. (18-02-2007).
The damage being done to the environment. Today the greatest danger comes from the emissions of various green house gases. This is mainly contributed by the developed and developing nations. The green house effect has caused erosion of glaciers, which in turn has brought in about change of weather and global warming. Enough damage has been done to the marine and avian life due to big oil slicks. Industries and individuals have contributed their mite towards pollution and damage to the environment. It is high time to realize that prevention is better than cure. If the current materialistic outlook is not changed to a more societal outlook, we will not be able to give a better environment to the future generations. There are no short cut methods for doing this. The effort need to come for individuals, society, governments and international bodies. (26-02-2007)
Cigarettes are treated as a carcinogen, and all over the world, people are being educated to reduce and eliminate its consumption. Inspite of this and open health warning, it is being widely used in Saudi Arabia. The main ingredient of Cigarette is Tobacco. One of the method of tobacco consumption is through cigarette. There are other methods, which are less hazardous to others. The danger of smoking by women is far reaching. If women are in their pregnancy then there is a possibility of damage being caused to the fetus. Apart from that if she is smoking at home then she is playing a major role in endangering the health of her family members especially children who are close to them. The teachings of Islam like forbidding consumption of intoxicants, not allowing human beings to harm their health and others health should be highlighted and promoted to help people quit this habit.(05-03-2007)
It is really sad to note the death of expatriate workers, who come here to earn their livelihood and achieve certain dreams. But unfortunately they do not survive to realize their dreams. This is not the first time, such an incident has occurred. Earlier also similar incidents have been reported. Such types of incidents occur mainly due to lack of proper safety measures and training. Doing routine jobs make people feel immune towards the risks present in certain nature of jobs. There are many types of jobs, where workers are fully prone to health and life hazards. But cheaper gloves, helmets, masks and even emergency exits are not provided. If right education is given on regular basis people may understand the nature of risks involved. It should be imperative on part of the management of organizations handling such type of jobs to make sure that properly trained personnel are present at the site and all types of risks are either reduced or totally avoided. (10-03-2007)
Eating habits and lack of oral hygiene are the major causes of dental diseases. Most parents ignore the importance of cleaning teeth of their children. The common maxim that "Milk teeth fall and permanent teeth will come" leads to neglect. This encourages parents in avoiding the cleaning of teeth of younger children. But gradually this becomes practice leading to lack of habit for proper care of the teeth. Inculcating the habit of brushing twice a day and maintaining proper oral hygiene from younger age will go a long way in preventing dental problems and will save the children from pain and agony. This will also preserve teeth during middle age and old age. (12-03-2007)
Majority of medical Insurers in Saudi Arabia does not consider parents as dependents. The policies are designed to cover the employees and their legal dependents who are resident in Saudi Arabia. Even the current description of CCHI of dependents is "the husband, wives, male sons under the age of eighteen and unmarried daughters". Hence it may not be possible to include parents under the policy. It is very difficult to get the right coverage for the parents visiting Saudi Arabia locally. There are plans underway to provide coverage for Umra visitors and people visiting on Visit visa in near future, but the cost and coverage may act as a deterrent. The best option available will be to have a local annual coverage in home country and get it extended for international coverage. In India there are Overseas Medi-Claim policies specially designed for visitors going abroad with wider limits and competitive rates, these are also very useful. Other than above two type of coverages Travel Insurance also provide an element of Medical coverage during visits abroad.
We have got a contract to build a commercial building. The contract specifies us to make an insurance for the project. Can you advice us how to go about this particular type of insurance as currently there is no building and value at the site?
This type of risk can be covered under contract works insurance also known as contractor all risk insurance. The coverage is based on the value of your contract. You can also get the extensions for your marine insurance and public liability. If the owners are have surrounding property, it can also be covered under this policy along with the constructional plant and equipments. If you are a regular contractor you can also explore an annual policy which will help you in getting a competitive rate from the Insurer. These policies can also be extended to cover testing and maintenance period. Once the project is handed over to the client the coverage comes to an end and it can be covered under standard property or fire policy.
Creative Associates Wisdom -Morals
Share markets have always been fluid. It is seen that people who have lost money in the share market are more than the people who have made money in the share market. This is like one man's poison is another man's food. During 2006 many locals made losses in Share Market, some even had strained family relations due to these losses. In other developing countries losers in share markets have ended up committing suicides. People have lost their hard earned money in the share market in the hope of making money. Even share brokers have become victim of this cycle. Speculative deals are even prohibited in Islam. Hence one should tread very carefully in the Share Market. If one decides to enter, he should be capable enough to make a knowledgeable decision and stay away from speculative Trading. (18-02-2007).
The damage being done to the environment. Today the greatest danger comes from the emissions of various green house gases. This is mainly contributed by the developed and developing nations. The green house effect has caused erosion of glaciers, which in turn has brought in about change of weather and global warming. Enough damage has been done to the marine and avian life due to big oil slicks. Industries and individuals have contributed their mite towards pollution and damage to the environment. It is high time to realize that prevention is better than cure. If the current materialistic outlook is not changed to a more societal outlook, we will not be able to give a better environment to the future generations. There are no short cut methods for doing this. The effort need to come for individuals, society, governments and international bodies. (26-02-2007)
Cigarettes are treated as a carcinogen, and all over the world, people are being educated to reduce and eliminate its consumption. Inspite of this and open health warning, it is being widely used in Saudi Arabia. The main ingredient of Cigarette is Tobacco. One of the method of tobacco consumption is through cigarette. There are other methods, which are less hazardous to others. The danger of smoking by women is far reaching. If women are in their pregnancy then there is a possibility of damage being caused to the fetus. Apart from that if she is smoking at home then she is playing a major role in endangering the health of her family members especially children who are close to them. The teachings of Islam like forbidding consumption of intoxicants, not allowing human beings to harm their health and others health should be highlighted and promoted to help people quit this habit.(05-03-2007)
It is really sad to note the death of expatriate workers, who come here to earn their livelihood and achieve certain dreams. But unfortunately they do not survive to realize their dreams. This is not the first time, such an incident has occurred. Earlier also similar incidents have been reported. Such types of incidents occur mainly due to lack of proper safety measures and training. Doing routine jobs make people feel immune towards the risks present in certain nature of jobs. There are many types of jobs, where workers are fully prone to health and life hazards. But cheaper gloves, helmets, masks and even emergency exits are not provided. If right education is given on regular basis people may understand the nature of risks involved. It should be imperative on part of the management of organizations handling such type of jobs to make sure that properly trained personnel are present at the site and all types of risks are either reduced or totally avoided. (10-03-2007)
Eating habits and lack of oral hygiene are the major causes of dental diseases. Most parents ignore the importance of cleaning teeth of their children. The common maxim that "Milk teeth fall and permanent teeth will come" leads to neglect. This encourages parents in avoiding the cleaning of teeth of younger children. But gradually this becomes practice leading to lack of habit for proper care of the teeth. Inculcating the habit of brushing twice a day and maintaining proper oral hygiene from younger age will go a long way in preventing dental problems and will save the children from pain and agony. This will also preserve teeth during middle age and old age. (12-03-2007)
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