Top hole Variable, and welcome to the forum!variable wrote:good afternoon. im am a P1 EP holder, my partner(common law wife) will be relocating to Singapore in the next 2mos. i have a couple of questions, i hope the experienced folks can help us out. my partner will be looking for something productive to occupy her time...
1. i know LTVP holders cannot work unless a prospective employer secures a work permit for them, is it difficult for LTVP holders to look for employment? would anyone have any recommendations how to go about this? ive been scanning the job sites and there are very few options available. do we need to engage a recruiter for help?
2. are there communities she can join or activities she can volunteer for?
any and all feedback are most welcome.
TYVM!
'Ohhh-IC' - Apologies it had gone over my head that she'd been here and already already got the LTVP, and was now back home again.variable wrote:JR8, thank you for your response. she already has the LTVP, you are right she doesnt qualify for the LTVP+. once she settles in our next objective is to find something productive for her to do. taking language classes is an option. employment is another
In an ideal world your employer would be providing medical coverage for your family. Do you have similar coverage back home? - then why not here where bills can be extortionate (similar to the US in scale)?variable wrote:another question... sorry, they trickle in... will it make sense to secure private medical insurance for her? im not worried about myself since my company will cover my health insurance. and is medical insurance expensive? can we do without it?
I think that is a good thing. If you have no medical cover, a simple trip to the local doctor/'GP' probably averages $100-150 for basic ailments; allergies, athlete's foot, a bad cold, etc. Part of this is down to them seemingly over-prescribing, including stuff you don't need. Now before I get up from the doctors chair, and go and collect my prescription, I ask him what he intends to prescribe. It's not uncommon to be prescribed stuff like Vitamin C and Paracetamol, together with the 'serious meds'. These days I politely decline the former and explain I already have supplies of those at home. Otherwise it is standard to leave a GP with 3-4 different 'medicines'.variable wrote:just to update the medical coverage, there is good news. i double checked my benefits and i can reallocate some of my benefits to cover her, not just for emergency procedures but for regular out patient consultations. so thats good news for us.
True, too true, but on the flip side. Let's assume that the guy is a lower end manager and found himself needing a triple bypass. I know in the US it costs around $250/K all in if you are without comprehensive medical insurance. I reckon for him it is rather worth it, isn't it? Assuming he lives long enough to get the appoints before he buys the farm. Much the same way as what happened to ksl.JR8 wrote:I think that is a good thing. If you have no medical cover, a simple trip to the local doctor/'GP' probably averages $100-150 for basic ailments; allergies, athlete's foot, a bad cold, etc. Part of this is down to them seemingly over-prescribing, including stuff you don't need. Now before I get up from the doctors chair, and go and collect my prescription, I ask him what he intends to prescribe. It's not uncommon to be prescribed stuff like Vitamin C and Paracetamol, together with the 'serious meds'. These days I politely decline the former and explain I already have supplies of those at home. Otherwise it is standard to leave a GP with 3-4 different 'medicines'.variable wrote:just to update the medical coverage, there is good news. i double checked my benefits and i can reallocate some of my benefits to cover her, not just for emergency procedures but for regular out patient consultations. so thats good news for us.
p.s. Be aware that a GPs time is billed per the clock; much like a lawyer back in the West.
@SMS. 'Of course if you come from a commonwealth country with free government medical'
'Free, at the point of use'. But very much not free, since you've already paid for it, and much much more via taxation. That comes into focus after a few years paying 'UK National Insurance' (a parallel collected with Income Tax) at 9-10% of your salary, especially if you say haven't needed to go to the doctor at all. Do the maths, someone of say an average UK middle manager's salary might indirectly pay S$25k equivalent over perhaps 3 years, just to go to his GP once and get a prescription for a 5 day course of S$1 Amoxcylin. 'Free' it's not.
This is where it gets complicated. Maybe it also comes down to amortisation of costs. A healthy young person might rarely need to visit his GP before middle-age, and by the time he does need help for something more serious he might well have funded any future treatment many times over. Of course there is a possibility that you might need very expensive treatment earlier in life, but that is rationed via budgets; hence you can wait a long time for treatment, even 'urgent' treatment, quite possibly many months. As you can imagine 'NHS waiting lists and care rationing' are major political hot-potatoes. Not least as person A and his health authority might have the budget to fund his immediate care, whereas his twin brother 10 miles down the road has a different health authority that has no budget left...sundaymorningstaple wrote:True, too true, but on the flip side. Let's assume that the guy is a lower end manager and found himself needing a triple bypass. I know in the US it costs around $250/K all in if you are without comprehensive medical insurance. I reckon for him it is rather worth it, isn't it? Assuming he lives long enough to get the appoints before he buys the farm. Much the same way as what happened to ksl.
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