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Make Instant Travel Insurance Claims at Changi Airport with HyfeAssure

Consumers typically grapple with various issues when trying to file travel claims with travel insurance providers. For instance, consumers might lack the knowledge with regards to the administrative process of filing claims. This could be due to a lack of provision of clear instructions from the travel insurance provider. It is just as likely that the consumer is not bothered to find out more about the claim process until the actual need arises. Even if the consumer successfully files a claim, the process can potentially be cumbersome due to the multiple verifications required and the lengthy time involved before a claim is successfully processed. As a result, the traveller might remember less about his or her wonderful holiday, but more about the unpleasant experience with the travel insurance provider. The good news is that travellers in Singapore can now cast such worries aside as instant travel insurance claims can now be made at Changi Airport with HyfeAssure.

For the first time in Singapore, HyfeAssure allows travellers instantly process their travel claims at the Changi Recommends counters located across all 4 terminals in Changi Airport. HyfeAssure is an innovative travel insurance product underwritten by HL Assurance for Changi Travel Services. With HyfeAssure, customers can now furnish the necessary supporting documents and submit travel claims for medical expenses, travel delays or misconnections, baggage delays and baggage damages and receive immediate payouts up to $200.

This is how HyfeAssure works:

Upon returning and touching down at Singapore Changi Airport, a HyfeAssure customer can proceed to any of the Changi Recommends counter located at any of the 4 terminals.
Travel claims for cases such as medical expenses, travel delays, baggage delays, baggage damage and travel misconnections can be processed immediately at the Changi Recommends counter.
Customer must furnish the relevant supporting documents such as original medical reports, invoices from medical clinics and baggage loss and travel delay reports from airlines.
Customer service officer at the Changi Recommends counter will make an immediate assessment of these claims. Once approved, the customer can get up to $200 in cash on the spot!

As the process has shown, HyfeAssure instantly brings travel convenience up another notch since its customers can now file and receive travel claims once they touch down.

Besides the convenience factor, HyfeAssure is also competitively priced. Travellers can enjoy 50% off travel insurance when they use the promotional code 50OFF. The low and competitive premium represents excellent value for holiday-goers who would like to have a greater peace of mind when travelling. Therefore, with HyfeAssure, travellers can now kiss goodbyes to bad travel claim experiences ruining their holidays ever again!

Practical Ways To Share The Bill With Friends

It is no secret that splitting the bill is a source of conflict among friends, especially if one person is trying to ditch the contribution at all costs. Most Singaporeans do not want to be perceived as cheap, nor do they want to embarrass themselves.

Run through these methods when caught up in this seemingly awkward situation:

#1: BE ASSERTIVE

The person who speaks first is usually on top of the social situation. With an independent persona, I am one of those people who are not afraid to decide in behalf of a group. I initially blurt out my suggestions concerning our dining experiences (e.g., eating at a restaurant versus eating at my flat). Agreeing upon a specific strategy beforehand avoids the potential conflicts.

Take matters to your own hands by brainstorming about the payment strategy prior to booking a table or ordering food online. You do not want to awkwardly stare at each other when the bill arrives!

#2: SHARE EVERYTHING EVENLY

If you have no qualms with maximizing your budget and sharing your food (unlike “Joey” from F•R•I•E•N•D•S) then, by all means, split the bill evenly. This communal approach welcomes the relatively equal consumption of appetizers, mains, desserts, drinks, and so on. You all pay for the service charge too.

Having a great time while sharing delectable experiences – isn’t that what friendship is for?

#3: REQUEST FOR SEPARATE BILLS

Looking for the most logical method to split the restaurant costs? Well, you can politely ask for separate bills or checks! Having separate bills makes it clear that you will only pay for the meals and drinks that you have consumed. The only downside is the added load you posed on the server, but you can always compensate by giving a generous tip.

This method comes in handy when you are leaving earlier than the rest of your friends.

#4: DOWNLOAD AN SMART APP

In these days, there is almost always an app for everything and anything. Consider leaning on technology for a helping hand. You read that right! There are several apps on the market that allows to ease this social situation. For instance, you may download the Splitwise app for free. Splitwise allows you to keep track of the total amount that your friends owe you. When they are ready to pay their debts, they just have to complete the transaction through PayPal.

Another no-cost app that has a similar function is the Venmo (for Android and iOS). Venmo allows you send payment requests to your friends without the awkward money conversations. You can also pay your friends back if they sent a request to you.

Image Credits: pixabay.com

No matter what method you end up employing, sensitivity is bound to be an element in this situation. Overcome the bill splitting by clearly communicating your expectations and opinions.

Makeup Addict’s Guide To Saving More Money

From all walks of life, makeup addicts are not afraid to widen their collection of beauty products. Fortunately, you do not have to spend too much to feel like a million bucks! Save money by employing these simple hacks below.

#1: EXPERIMENT WITH COLORS AND SHADES

Play the role of a beauty scientist without having to wear a lab gown by mixing your cosmetics. A YouTuber named Safiya Nyagaard explored the possibilities of fusing her nude lipsticks and her eye shadow palettes. It resulted to her favorite product – the Franken lipstick.

Without spending a cent on additional colors, you can achieve your dream products! Mix or melt a couple of your lipstick, eye shadow, and foundation together to create a new look. This will come in handy when you buy a product that you regret. For instance, I bought a “hot pink” lipstick recently. I bought it mainly due to its organic formulation. To make it more wearable, I layer it with a pinkish nude shade.

#2: USE YOUR BRUSH, NOT YOUR FINGERS

There is a reason why makeup artists have distinct brushes for specific purposes! For starters, using a brush allows you to precisely apply the product where you intend it to be. Furthermore, using fingers primarily may result to wastage of the product.

I have to admit that I am one of those people who find it easier to apply foundation using my fingers. I seem to control the blending better using this technique. However, I frequently have to wipe off a pea-sized amount with tissue. The seemingly small amounts add up!

#3: GIVE DRUGSTORE BRANDS A CHANCE

It is tempting to purchase the latest products available at Sephora, especially if you have a loyalty card. Constantly searching for high-end products can lead to overlooking the drugstore counterparts and its potential savings. Give drugstore products a fair chance!

A true makeup addict knows that the drugstore brands are stepping up their game as they launch quality collections with competitive formulas. You may notice that some drugstore brands collaborate with famous celebrities. Take a look at the neutral capsule created by Gigi Hadid for Maybelline.

Image Credits: pixabay.com

Maybelline along with Wet n Wild, Essence, and L’oreal are some of the best drugstore brands out there. Do not be afraid to explore cheaper dupes of your favorite high-end products!

Sources: 1 & 2

4 Healthy Snacks Under S$10

To an utmost degree, balancing one’s personal life and dual careers is common in Singapore. Our busy schedules hinder us from preparing sophisticated meals. Thus, a good portion of the population rely on instant or ready-made snacks. Maintaining this routine can sacrifice your health for convenience. This should not always be the case!

Just because you are challenged with the elements of limited time and tight budget does not mean that you have to undermine the health benefits of snacks. Stock up on these affordable and healthy goodies for next time!

#1: GREEK YOGURT

As an early childhood educator, I realized that you can mask nutritious fruits and vegetables by incorporating them in familiar desserts. Picky eaters will be delighted to know that there is a healthier alternative to ice cream. Simply mix your favorite fruits with Greek yogurt and freeze it overnight. You may grab DAIRY FARMER’s natural Greek Yogurt (S$7.35) at Cold Storage.

What makes Greek yogurt nutritious is its low sugar and low lactose content. This means that people who suffer from lactose intolerance can eat this snack without qualms. Its benefits are mainly due to the meticulous straining process, which results to a thicker and a creamier product.

Do not confuse Greek yogurt with Greek-style yogurt! The latter usually contains gelatin, gum blends, stabilizers, preservatives, and other add-ons to achieve a thick product despite of having a quick straining process.

#2: DRIED MIXED FRUITS

Reality check, please! We live in a fast-paced city where the mere act of peeling or chopping fruits is seen as a tedious task. However, there is an alternative to snacking on bite-sized fresh fruits. Go to FairPrice to check out a variety of packed dried fruits such as the Harvest Fields’ Dried Mixed Fruits (S$3.35). Dried fruits come in many shapes and sizes. Some companies are even bold enough to experiment by adding delectable treats such as the chocolate-coated dried mangoes from the Philippines. It goes without saying that dried fruits have a huge audience to satisfy.

Image Credits: pixabay.com

Dried mixed fruits has been proven to contain twice as many as antioxidants as fresh fruits. I am not suggesting that you eat an entire bowl of dried prunes or raisins. Keep the serving size in mind during consumption. To ensure that you can maximize its nutrient content, please check the ingredients before dumping several packs into your shopping basket. Steer away from added sugars and syrups.

#3: PEANUT BUTTER

Whether you want to believe it or not, research has shown that the Peanut Butter packs a macronutrient-punch! This sweet spread is rich in carbohydrates (e.g., fiber), protein, potassium, and fat. Let us move on to the “calorie bank”. It is important to note that 100 grams of Peanut Butter only contains 588 calories. I am sure that you will control your serving when snacking on this. A healthier option is unsalted peanut butter. The “Adams Unsalted Peanut Butter” is available for S$5.90 at FairPrice.

Watch your favorite TV series by snacking on whole grain crackers smeared with the said spread. Drop by the nearby FairPrice to know the difference between plain crackers and Munchy’s Wheat Cracker (S$2.30).

#4: BANANA

Banana is an ideal snack for active athletes, growing children, tireless employees, and hungry minions. Humor aside, banana is a tropical fruit containing high potassium, soluble fiber, and easily digestible simple sugars.

Presenting itself as a snack with the slightest effort to prepare, the banana has been known as the “happy fruit”. Why is this so? Banana increases serotonin levels to improve your mood. Serotonin is a brain neurotransmitter responsible for mood regulation. Possessing positive emotions can prevent the risk of emotional binge eating.

Fortunately for you, I stumbled upon an organic online store that offers some of the best prices in the country. A quick search to organicdelivery.sg will bring you to the Organic Thai bananas that costs S$3.75 per 500 grams. Browse to their site to choose among the wide varieties of organic fruits.

Sources: 1, 2, & 3

3 Budget-Friendly Animal Cafes In Singapore

Best known for writing the “Supreme Philosophy of Man”, American author Alfred Montapert once expressed his ideals on animals. For him: “Animals are reliable, many full of love, true in their affections, predictable in their actions, grateful and loyal. Difficult standards for people to live up to.”

How can we compete with non-judgmental creatures that seek companionship and empathy? As much as you want to surround yourselves with adorable pets, you may be restricted by the law. You have to follow the neighborhood pet guidelines mandated by the HDB. Furthermore, you may be excessively preoccupied with work or school that you do not have enough time to maintain one. A good alternative to satisfy your fondness for cats, dogs, or birds is to visit an animal cafe.

Animal cafes may have been a rising trend in Singapore but, it has been prevalent in other parts of the world for years. Let us take Japan as an example. You will not believe the wide variety of animal cafes in Japan! From exotic reptiles to heartwarming bunnies, store owners explore unconventional pet possibilities. These cafes were primarily built to ease the stress of the country’s hardworking citizens. Previous studies support the therapeutic effects of interacting with animals.

Whether you want to chill at a relaxing environment or to build new relationships, consider visiting any of these places.

OFUR PAW CAFE

If your happy place consists of giving unlimited belly rubs then, Ofur Paw Cafe is perfect for you.

Tucked away from the hustle and bustle of the city is a gem called Ofur Paw Cafe. It is a pleasant addition to the sprouting dog cafes in Singapore. How is this so? For starters, the establishment offers Do-It-Yourself pancakes (from S$6.90) for your pup. Let your creativity run wild using their red velvet, strawberry, and chocolate batters.

You will not leave with an empty stomach as they feature an array of Western fusion cuisine. Personally, I am into their Pacific Salmon (about S$16.80) and Truffle Mushroom Pasta (about S$14.80).

Location: 21 Lorong Kilat, Bukit Timah Sun Court, #01-03, Singapore 598123
Website: facebook.com/ofurpawcafe

THE CAT CAFE

Living in a bustling concrete city does not mean that we lack the presence of furry felines! Spend a meaningful day with your family as you drop by The Cat Cafe. Before any cuddling and bouncing commence, you may take a sip of their freshly brewed coffee or a bite of their freshly baked pastery.

What separates The Cat Cafe from other establishments is its entrance fee of S$15, which includes a complimentary drink. You read that right! You do not have to pay per hour just to interact or to feed the animals (i.e., feeding portion is scheduled throughout the day). Yogurt, Tuxedo, and their friends cannot wait to meet you!

Location: 241B Victoria Street, The Cat Cafe, Singapore 188030
Website: thecatcafe.sg

PAWS N PANS

The glistening charm of Paws n Pans (or Paws & Pans) roots from its inspiring advocacy to promote a sustainable change in pet ownership. Its first outlet at Joo Chiat Road was aimed to help homeless dogs to find a haven in Singapore. In addition to this, the establishment works with various Animal Welfare Groups (AWGs) to increase awareness on the rights of pets. As an animal lover, how can you not support this great cause?

Let us move on to the eclectic dining experience. This pooch cafe serves food that can both be consumed by humans and their pets. It creates an environment that allows you exchange conversations with your fellow dog-owners. Try their popcorn chicken, Thai tea, and other treats found here. You may host an intimate party for your beloved pet by renting a room at their three-storey space.

Image Credits:
facebook.com/pawsnpans

Your children, no matter how young, can come with you inside the cafe. What’s more? Admission is totally free!

Location: 327 Joo Chiat Road, Paws n Pans, Singapore 427584
Website: pawsnpans.com.sg

BONUS: If your budget is more lenient, you can enjoy a lively lunch with the parrots of Jurong Bird Park. Expect to enjoy colorful performances as you indulge on a hearty buffet. Prices are S$25 for adults and S$20 for children. These prices exclude the exclude park admission fees.

Those are some of the budget-friendly animal cafes in the country. Which one is your favorite? Feel free to leave a comment below! 🙂

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