chubb travel insurance malaysia


Travel Insurance: Do we really need it?

You’re making your travel plans and have got everything sorted out, all but one. You’re sitting there thinking do I really need travel insurance? What are the odds anyway? Is travel insurance worth buying? Well, if we’re going with Murphy’s law, yes. Lots of things can and do go wrong when you’re abroad. That is why travel insurance is a billion-dollar industry. The basic premise of travel insurance is about insuring yourself against exorbitant costs or losses that may cripple you.

It is likely that your existing medical plan does not cover you overseas, so getting a travel insurance is a clever way to supplement that essential part of your travel needs.

chubb travel insurance malaysia

Commonly, there is a chance that you might contract a fever while on holiday. You definitely do not want the headache of searching for an in-network medical facility, which sometimes mean that you have to fork out more on cab fare just to get there. If you have travel insurance, you can likely seek treatment at a clinic or medical facility nearest to you. Another feature of travel insurance you should consider, especially if you are sickly or elderly, is evacuation coverage. Unless you’re uber rich, you wouldn’t be able to afford it in case of an unfortunate event.

Travel insurance is also handy for frequent or business travellers. Most plans cover you against flight cancellations, delays, and loss of luggage. If the airline cancels your flight or you are unable to make the trip at the last minute, you can recover your losses if you have a travel insurance plan.  It’s worthwhile to insure your luggage too, which pays out a sum of money to you should it be delayed, damaged, or stolen.

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The general rule of thumb? Make it a travel necessity, and buy it immediately after booking your flight and hotel accommodations. Safe travels!

P/s: Here’s a great travel insurance for you:

Britannia Study Link

Leading boarding schools in Wales, UK

Co-ed boarding schools in the England and Wales

An instruction from the United Kingdom is universally perceived as a standout amongst other tertiary training frameworks on the planet. For Malaysians hoping to consider studying abroad in the UK, there are a couple of imperative choices and information to know, for example, what are the prerequisites for the UKiset exams, best boarding schools in the UK, and best 6th form colleges in England.

For anybody needing to show themselves in the UK, an entrace examination is required for most schools by taking the UKiset or UCAS tests. This is a need to guarantee capacity of the English language with the goal to ensure the capacity to thoroughly appreciate lessons in British schools and its learning condition.


Boading School In United Kingdom


Some parents will send their children to prepatory boarding schools in UK, which is all things considered called prep schools in UK. These schools serve kids from ages 8 to 11 or 13, which is known as Year 3 to Year 6 or 8 in the UK training structure. This is generally known as basic or overview schools in whatever is left of the world. Boarding schools in England and boarding schools in Wales offer a comparable acclaimed learning knowledge.

For parent needing to send their children, different private boarding schools for boys in UK consider this need. This is for the most part known as senior schools in UK, where kids ages 11 or 13 to 15, which is known as Year 7 or Year 9 to Year 11. This is by and large known as discretionary school in whatever is left of the world. An educational ordeal school gives getting ready, home and boarding to understudies where they live in the school itself, where everything is overseen.

A couple of parents will send their girls to private boarding schools for girls in UK, which considers ages 11/13 to 15, which is known as Year 7/9 to Year 11. Young woman comprehensive schools in the UK cook especially to families who lean toward a lone sex learning condition where direction and residence is moreover suited.

For families who let their chidren learn in a mixed school, private co-ed boarding schools in UK offer a variety of mentoring condition with the objective that their adolescents are exhibited to the right modify and conditions of correspondences. Co-ed school kids are allowed to consider in a thorough co-informative school condition.

Many students will choose a sixth form college in the UK to start their education early, in which they would be able to pursue their A levels education. Many schools in the UK also offers the International Baccalaureate, simply known as the IB as a choice of secondary education.

In the UK, the term public schools almost always refers to private schools, whereas what is commonly known to the rest of the world as public schools, is known in the UK as state schools. Therefore, when you are looking for a school to send your child to in England, remember to always search for UK public schools for a boarding schools and private education.



Here is a list of the best boarding schools for boys, boarding schools for ladies and co-ed boarding schools in the UK: –

Ampleforth College, Bedford School, Bellerbys College, Benenden School, Bradfield College, Brighton College, Bromsgrove School, Bryanston School, Canford School, Cardiff Sixth Form College, CATS College, Charterhouse School, Cheltenham College, Cheltenham Ladies’ College, Clifton College, Concord College, Cranleigh School, Dauntsey’s School, Downe House School, Eastbourne College, Epsom College, Eton College, Gresham’s School, Haileybury School, Harrow School, King’s School, Canterbury, Lancing College, Malvern College, Marlborough College, Millfield School, Mill Hill School, Oakham School, Oxford International College, Oundle School, Queen Ethelburga’s, Radley College, Repton School, Royal Hospital School, Rugby School, Ruthin School, St Edward’s School, Oxford, St Leonards-Mayfield School, Sedbergh School, Sevenoaks School, Sherborne School, Shrewsbury School, Stowe School, Strathallan School, Tonbridge School, Truro School, Uppingham School, Wellington College, Wells Cathedral School, Westminster School, Winchester College, Woldingham School, Worth School.

More Info: Britannia Study Link Malaysia

Best Blogger In Malaysia

How to resolve a financial dispute in Malaysia?

Conflict resolution in Malaysia

Alternative dispute resolution (ADR) is a type of conflict resolution system that is utilized as an other option to prosecution and mediation by an official courtroom. Gatherings can subsequently settle a debate with or without the help of outsiders.

Case is routinely dull, extended and astounding, and combines an any more chance to settle cases. This is the reason diverse people are chasing down choice strategies as the advantages of alternative dispute resolution are evident with systems like arbitration, conciliation, negotiation and mediation.


SIDREC Malaysia


There are different bodies the world over that fill this need, for example, the Financial Ombudsman in the UK and SIDREC in Malaysia, which are alternative dispute resolution centers over the globe. These bodies give free, rapid and advantageous frameworks for choosing money related issues that analysts face with their brokers, derivatives, unit trust agents, and fund management.

There can be different reasons that social events need to continue to case, and it is over the top the insufficiency of either collecting. There could be miscommunications amongst budgetary specialists and sellers and these frequently incite mistake and misrepresentation. The dispute resolution process helps this by understanding what has spread out and work towards an answer, it is possible that it being fraudulent misrepresentation, mismanagement of funds, or even issues with your unit trust speculations.

ADR has been extending contemporary observable quality as a strategy for open thought determination as it is seen to be fundamentally more cost and time compelling. As the measure of arbitrators and mediators are making, trust in decision prudent discourse determination has moreover made as specialists with these strength enter the field powerfully and wind up being more unmistakable.

Capital market theories have besides overwhelmingly created starting late with the influencing vitality for general trade. With more grounded control by government bodies on the capital markets, cash related pros can contribute unhesitatingly and successfully make winds understanding that there are regulatory bodies that they can go to when strife and solicitation rise. As dispute resolution procedures are unmistakably clarified by ADR bodies, dispute settlement induces the opportunity to be less mind boggling to wrap up.



Mediation and arbitration are dynamically grabbing detectable quality as the option for dispute resolution services, to such a degree, to the point that the legitimate courts would routinely urge for mediation to be driven as the mediation process serves as a not too bad introductory stride for settlement.

Money related issues that are gone up against that would be best for alternative level headed discussion determination consolidate issues with your securities brokers, derivatives brokers, unit trust agents, and investment complaints. Since ADR bodies have specialization in these reaches, they truly settle on better instructed decisions stood out from judges, who tend to have an all the more wide cognizance of financial circumstances. When you have securities issues or investment issues, these bodies with cash related expert data would be a better other alternative than indictment.

Alternative dispute resolution is the course forward to getting a handle on exchange related issues out point of view of it being unbiased, thought, time and cost valuable. With financial issues ending up being persistently mind boggling, people examining for ADR will only extension in the coming years as honest to goodness structures over the world are asking people to use these conflict resolution services.

More Info:

Tricubes Malaysia

The Tenacity of Tricubes Malaysia

The Tenacity of Tricubes Malaysia

Tricubes Malaysia was established in 1997 in order to lead the design and development of handheld computers and software solutions for MyKad, a venture involving the execution of the world’s first and only National ID multi-application chip card. This endeavor resulted in a highly integrated handheld computer that incorporates a smartcard reader, wireless technology and fingerprint scanner. Government Agencies, the Financial Sector and Utility companies, among others, have well accepted Tricubes devices. These innovations and its ancillary applications offer strategic solutions for identity authentication as well as mobile computing.


Tricubes Malaysia


Tricubes Group of Companies provide a vast array of products that cater to specific functional needs of organizations, proven by the shipment of over 70,000 devices to date to over 300 companies. Tricubes does not only serve organizations within Malaysia, they have also supported international clients like Orly Airport in Paris and the Moroccan Royal Palace. Its Malaysians clients include Malaysia’s Road Transport Department, National Registration Department, Royal Malaysian Police, Ministry of Health, Maybank Malaysia Berhad, CIMB Bank Berhad, RHB Bank Berhad and Maxis, to name a few. In 2012, Tricubes share price rose to a six-and-a-half month high to close at RM0.26 following the announcement that the Royal Malaysian Police has appointed the company as the collection agent of traffic summonses. They are also an MSC status company, a recognition that is granted by the Government of Malaysia for companies that invest and maneuver their ICT activities towards the promotion of innovation in design and development. This credit was directly listed on Bursa Malaysia in 2004.


Tricubes solutions can be categorized in three sections, which are:

  • Identity Authentication Solutions: Smartcard and biometric reader devices that provide multi-factor authentication and security.
  • Enterprise Mobile Solutions: Mobile computing equipment and applications that provide solutions for Mobile Enforcement, Mobile Banking and Mobile Logistics.
  • Secure Access & Automation: Physical access security solutions.


Challenges Being Overcome

It all began when Tricubes Berhad was awarded the role of service provider for the “MyEmail” program that was designed for government-linked agencies to communicate with the public through a digital channel. Under the program, citizens above the age of 18 years could sign up for a MyEmail account for free. Government bodies utilizing the service would be charged RM0.50 for every email sent to the designated account. According to reports, the email project was expected to contribute RM39 million to the gross national income by 2015. Although, Tricubes received criticism from the general public who questioned the need for government bodies to pay for sending emails, the company still made all efforts to clarify the public’s concerns through interviews between the media and its CEO.

There were also speculations as to whether the funds would be coming from the Malaysian Government but the company has since clarified that the figure represents the investment Tricubes will make for this project. From the get go, Tricubes was determined to fully fund the project in hopes to serve Malaysians better. In 2012, they tried to appeal to Bursa Malaysia Securities Berhad when the company’s proposed regularization plan was rejected. They were consequently delisted after Bursa Malaysia disallowed the IT outfit’s appeal against the rejection. Despite this obstacle, Tricubes was and is steadfast in powering forward, as the company was still able to continue its operations and business. They proceeded with a corporate restructure and its shareholders are still being rewarded by the company’s fantastic performance. The company has continuously endeavored to improve the nation’s progression and aims to perform to its full capacity. Nothing seems to deter Tricubes and no challenge is too great. The resilience of this company on a whole is definitely its strongest asset.

Fast forward to today, Tricubes Malaysia’s capable team provides Systems Integration and Project Management services, as well as a nationwide Customer Services network that further consolidates these offerings. Tricubes Berhad address is Suite 13.1, Level 13 Menara Great Eastern 303, Jalan Ampang, 50450 Kuala Lumpur Malaysia and they have support centers in Kota Kinabalu, Kuching, Kuantan, Kuala Terengganu, Kota Bahru, Ipoh, Melaka and Penang.

Tricubes Malaysia 2017

How E-procurement Makes Requisitioning Easy

How E-procurement Makes Requisitioning Easy

Requisitioning should be a simple process, yet for many businesses this most basic and vital function can present frustration and delays that generate a significant negative impact for your organisation.

Failure in requisitioning processes creates a strategic barrier to efficient daily operations that can present far more wide-reaching challenges. The marketing department can’t deliver that key poster campaign if the requisition order for the essential printing materials is lost down a blackhole of corporate paperwork. Likewise your team of outstanding electricians can’t power up your client’s new office without the wire to connect it.

Whether you’re the nation’s largest infrastructure engineers or most elaborate niche designer of bespoke jewellery, smooth processes to ensure you have the supplies you need for your daily operations are a vital part of a successful business. Delays to these processes not only have a direct effect on specific areas of your work, but a consequent impact which could deliver even more substantial costs to your business operations and reputation.


Procurehere e procurement

The importance of an efficient purchase requisition system

A smooth purchase requisition system is an integral part of an effective procurement strategy, yet it is one which many organisations often find fraught with problems. The nature of goods and services falling within the needs of regular requisitioning can vary widely through an organisation, creating a challenging environment for tracking and assessing supply chains. Yet the ability to ensure transparency and oversight of these processes forms a critical element of ensuring a modern, efficient procurement system is operating in your business.

Traditional requisitioning can be a lengthy process, with multiple steps that open up the potential for delay, whether that’s a paper document lost amidst a pile or a simple misunderstanding of the importance of a request. These processes are also highly vulnerable to the perils of human error. Studies show that the simple cost of misunderstanding alone cost businesses in the UK and US as much as US$37 billion annually.

An established process of requisition orders is a crucial part of tackling this problem that enables a business to oversee organisational spending while unlocking a much greater opportunity for savings. Not only can a full understanding of your requisitioning needs identify areas of waste, it also provides access to vital information to enable you to negotiate preferential rates and added discounts from suppliers. So how can e-procurement help?

Procurehere makes requisitioning easy

Procurehere enables organisations to implement efficient, effective requisitioning processes that provide easy oversight and a clear, transparent audit trail. This simple functionality helps save time, and vastly reduces your strategic exposure to the cost of delays and human error.

Raising a purchase requisition order (PR) on Procurehere can be implemented using templates created by Buyer Administrators within your organisation, ensuring unique templates that fit your organisation’s specific requisitioning needs. The ability to add documents to your PR means you can centralise all relevant information in a readily accessed platform, removing additional steps for approval at a later stage. Once your purchase requisition order is complete, the PR will follow a pre-set path for approval that will flag with all necessary parties, providing them the ability to rapidly approve your request.

With the added benefit of our cloud-based e-procurement solution, these PR processes can be managed anytime, anywhere, ensuring the easy progress of requisitions without the need for the relevant evaluator to be located in a specific office or location. These simplified processes have shown significant, demonstrable benefits for our clients.

 “The whole approval process, from admin office to back, takes an average of 8 hours. My friends in different ports can wait for a week for non-urgent approvals to come back,” Mr. Veerakumar, Head of Maintenance & Repair, Westports.

Procurehere’s efficient e-procurement solution provides a transparent, readily audited and effective source of requisitioning for any business. A smooth requisitioning process means effortless day-to-day operations, saving you time and money, and leaving your organisation free to generate value where it matters.

procurehere malaysia

Explore what efficient requisitioning can do for your organisation, start your free trial of Procurehere today.


Datuk R. Ramanan’s Thoughts on APEC Business Travel Card

Going through a lengthy immigration clearance procedure just for visitor passes approval is usually problematic. Even though it is unquestionable that such process is irritating, the visa application process is necessary to make sure everyone’s safe passage. Yet, it’s common for similar procedures to affect business relations. Fortunately, an effective solution, the Asia Pacific Economic Corporation (APEC) Business Travel Card was introduced to smoothen the process.

Now, company owners can apply for the APEC Business Travel Card to enjoy the privilege of travelling more flexible. This project is made possible by participating nations with the mutual target to promote free trade and open opportunities for investors. With APEC Business Travel Card, companies can pre-clear their short-term entry into participating countries for business purpose. This method can help to avoid the excessive rules and formalities which affect business operation.

Individuals skip the entire process of having to apply for visas and entry permits under personal travel permits and will be able to utilize this multi-entry passes to enter into participating nations on arrival through exclusive APEC lanes.

Datuk R. Ramanan | MIC

Giving his full support, Datuk R. Ramanan had also complimented the Malaysian Immigration Department for their exertion in realizing such a sensible solution which will contribute to the national economic advancement and progression.

Datuk Raman‘s encouragement was expressed by his remark that this APEC business travel card has established new gateways for businesses in Malaysia to venture into foreign economies easily. Local companies could now make full use of the privilege as a consequence of superb effort made by officers who fostered ties with other nations and this has a positive influence on the local economy.

Malaysia, Brunei, Singapore, Thailand, Indonesia, China, South Korea, Philippines, Japan, Hong Kong, Vietnam, Taiwan, New Zealand, Russia, Australia, Peru, Papua New Guinea, Mexico, and Chile at the moment are among the participating nations of the APEC scheme. Meanwhile, USA and Canada have joined the pact as transitional members.

The initiative had a sizeable effect for Malaysia, as for some nations, the more bureaucratic administration is established. The Republic of China, for example, enforces the obligation to apply for a permit to entry upfront irrespective of whether it’s a business-related re-entry or a social pass.

The APEC Business Travel Card scheme inception, based on a research performed by the APEC Policy Support Unit, led to an extraordinary 38% transaction cost reduction for cardholders. This finding sends the signal that the energy led to both a reduction of waiting time and also travelling costs. From March 2010 until July 2011, cardholders have been able to save 62,413 hours, which converts into USD 1.9 million in approximate value.

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Datuk R. Ramanan applauds APEC Business Travel card initiative in Malaysia

Datuk R Ramanan Speaks of the APEC Business Travel Card

Datuk R Ramanan

Fireflyz: Why They Are the Best Malaysian Budget Airline

Fireflyz or Firefly Airlines is a community airline headquartered in Subang Skypark Terminal. Founded in the year 2007, the airline is a subsidiary of our national flagship carrier, the prestigious Malaysia Airlines. Unlike its full-service parent company, Firefly’s focus is on servicing the Malaysian domestic routes, as well as selected popular regional destinations. Firefly operates out of two main hubs, one is in Subang and the other one is in Penang. With many low-cost airlines like AirAsia and Malindo operating within the Malaysian market, the business competition is intense. How did Firefly Airline stand the test of time and proof that it is the best budget airline in Malaysia? Let’s find out.

Fireflyz has the best domestic route coverage in Malaysia

Fireflyz offers the best domestic flight coverage in Malaysia that is unrivaled by any of its competitors. One can catch a flight to Subang, Johor Bahru, Penang, Langkawi, Kuantan, Alor Setar, Ipoh, Kota Bharu and more. Besides superior domestic flights, the airline also offers daily flights to Singapore, Phuket and Banda Aceh at attractive prices. Looking for an excuse to go on your next Cuti-Cuti Malaysia? Go holiday with Fireflyz!

Fireflyz Hub is close to the city of Kuala Lumpur

Fireflyz hub in Subang is close to Kuala Lumpur

The average time it takes from KLCC to the Subang Skypark Terminal is 30 minutes by car. If you want to go from KLCC to KLIA2 to catch an AirAsia or Malindo flight, that will take a minimum of 1 hours. Fly with Firefly Airline and save on your commute time. Subang Skypark Komuter station is a proposed commuter train station connecting the city airport to Kuala Lumpur and Klang Valley for the convenience of travelers.

Fireflyz gives out free checked-baggage allowance

Many low-cost airlines practices “bait-and-switch”, where they lure you in with a very low ticket price. Later, they will impose crazy surcharges for any add-ons. When you fly with Fireflyz, what you see is what you get on the ticket prices. More than that, every passenger receives 20 kg of complimentary checked-baggage allowance. So now you can travel with all your favorite personal belongings without having to worry about any hidden surcharges.

Fireflyz gives you a fast and seamless boarding experience

If you travel with Firefly Malaysia, you just need to check in 30 minutes before for domestic flights, and 45 minutes before for international flights. After you check in, there’s no long walk to the departure gate because it’s only 5 minutes away. If you arrive last minute at the KLIA2, be prepared to sprint to the departure gate because it’s going to set you back a minimum of 15 to 20 minutes due to the airport design and the massive crowd.

Fireflyz serves complimentary in-flight refreshments

Enjoy free refreshments and attentive service by the friendly cabin crew, while onboard a Firefly aircraft. If your flight is more than 80 minutes, additional snacks are available for purchase. Compared to other low-cost carriers, the seats in Firefly are also more spacious and comfortable.

Fireflyz is undoubtedly a brand that Malaysians can be proud of. Overall, Fireflyz airline provides great value for your ringgit when you fly domestic or even to popular overseas destinations, and that makes them the best budget airline in Malaysia.