26
Oct

Here we are at the Zurich International airport by Thai Airways. As you could see, we look tired  after 12 hours flight, and furthermore with no make ups. EEeeeeeeee…

arrival at the Swiss airport

1st day of The German Swiss Welcome : The first destination in Swiss is to Bally Factory Outlet in Aarau where we shop for leather bags. shoes, wallets, etc etc.. Shop Shop Shop

Bally Factory Outlet

Bally Factory Outlet

It’s lunch time at the Restaurant Brasserie Johanniter where we had carrot soup, grilled port sausage in onion sauce, roesti and chocolate cake. Then it’s shopping time again at the Bahnhotstrasse.

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We have the friendly passers by pop in for our photo shooting sessions

We have the friendly passers by pop in for our photo shooting sessions

2nd day of French Swiss Hospitality : After having breakfast in the hotel, we headed to the Alsace Region where we visited the Colmar. The city is famous for its well preserved old town and numerous architectural landmarks.

colmar-23

The little venice

The little venice

Next destination is the Riquewihr which is most beautiful vineyard township of Alsace.

Wine making is the main industry

Wine making is the main industry

Then we visited the beautiful Titisee, the lake in Black Forest. A place where you can get their well known cuckoo clocks.

blackforest-20

Simply breathtaking

Simply breathtaking

Although it’s too dark, we still able to capture the Europe’s Rhine Fall which were formed in the last ice age.

Too disappointed to arrive late

Too disappointed to arrive late

3rd day with the the best of Swiss Alps :

We travelled to Lucerne, one of the tourists’ delight for the Lion monument that symbolizes thousands of Swiss guards being sacrificed during the French Revolution.

How can you smile at the 'Saddest Stone in the World' ?

How can you smile when you visiting the saddest stone in the world?

A short visit at the Interlaken for souvenir hunts and excellent photographs.

A residential town between lakes

A residential town between lakes

We are at the alps for lunch, the Mt Maennlichen which is the top swiss ski site.

The experience around beautiful mountain is unforgetable

Does the heaven looks the same?

We went down to Wengen by cable car, the hidden treasure amongst the alpine villages.

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Bern - The Swiss capital, here we come.

At one of the UNESCO World Heritage site

At one of the UNESCO World Heritage site

4th day is the all about the best of  Geneva :

The flower clock

The flower clock

The jet D'eau, the largest fountain in the world

The jet D

The United Nation office

The United Nation office

Be prepared for the Alpine Carnival : The Gala dinner in Gruyere, thank you HLA for the appreciation and celebration.

The celebration is at the famous alpine village

The celebration is at the famous alpine village

The grand opening ceremony

The grand opening ceremony

Unlimited beer and wine, we celebrated memorable lantern festival in Switzerland

Unlimited beer and wine, we celebrated memorable lantern festival in Switzerland

It's time to say goodbye to Switzerland

It

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Category : Galeries
16
Sep
Arrival at the airport

Arrival at the airport

Welcome to the hotel

Welcome to the hotel

It's meal time

It's meal time

The famous Shenzhen cuisine : Claypot Bone Marrow-just suck it

The famous Shenzhen cuisine : Claypot Bone Marrow-just suck it

The China cultural village

The China cultural village

This is what they have in the cultural village - 1

This is what they have in the cultural village - 1

Another one u can find in the cultural village -2

Another one u can find in the cultural village -2

China's ' Interlaken Village '

China's 'Interlaken Village'

It's show time

It's show time

The Da-Pen-Chai - Big Premium Potcuisine

The Da-Pen-Chai - Big Premium Potcuisine

The night lifef of Shenzhen

The night lifef of Shenzhen

Beautiful Shenzhen ! Visiting Shenzhen will beone of the most memorable trip HLA is giving to all qualifying new recruits. Only in Shenzhen we could experience bargaining for half an hour just for the little stuff, having the price cut down at least 10 times lower the offered price. It’s a shopping paradise for ladies, so there will the second trip especially for Dongmen, Windows of the world, Interlaken, the grand shows, the unique food and  the extravagant Shenzhen.

Cheers HLA !

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Category : Gallery
16
Sep
Before we understand the terminology of Group Health Insurance, we must first familiarize ourselves with the concepts Insurance and Health Insurance.

Insurance is a  protection, a safety net against unpredictable losses. No one knows what the future holds, and insurance is a good way of preparing for the unforeseen. Everyone need to be protected against the arising medical costs through health insurance. The insurer is responsible for the medical cost of the insured in the event of illness- due to accident maybe, or any of the covered causes.

Group Health Insurance is a health coverage based on a group of people under a company or an organization. The cost of the insurance is allotted among the members of this group. The group enjoys a wide range of benefits of Group Health Insurance. The policy contract is issued to their employer or to any of the group’s affiliations.

Health insurance is one of the most common and important benefits offered to an employee through their employers. Not only does an employee feel secure with this insurance, he also feels assured of the care of his employers. Companies spend billions annually for health insurance, and group health insurance make up the bulk of the revenues earned by health insurance companies.

The number of employees to be insured under the group plan determines the type of coverage available to the employer. A company with more than  thousand employees will have customized health plans, and these may include additional benefits with negotiable price.
With the rising costs of health care and medicines  in recent years, companies have experienced a drastic increase in the cost of providing health care benefits to their employees. Many companies are forced to withdraw the medical benefits for their employees, and some even require their employees to pay a higher share of the monthly premium of the insurance, even to the point of requiring them to pay the 100% of the dependent premium!

Therefore, never ever 100% depend on the medical benefits provided by your company. It’s may be the game of  ”Chipsmore’- now you see it, now you don’t. When your employer cut down on the medical benefits, most employees will be facing a problem of getting their own health coverage in future mainly due to exclusions due to pre exist illness, health loading, high premium as you will be more senior that time and the time bomb waiting period of medical coverage imposed by all insurers.

So, it is always wise to get ready your own personal insurance coverage even though your employers have provided you with some level of coverage. You need a comprehensive plan designed just for you and your future and not plans that is designed according to the cost and revenue determine by your employer.

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Category : Insurance Talk