Insurance Sector

ICICI Prudential changed its name

Prudential ICICIPrudential ICICI Mutual Fund has been assigned a new name ‘ICICI Prudential Mutual Fund’ w.e.f Monday.

The change in name contemplates the alteration in the shareholding model of ICICI Bank and Prudential Plc in the asset management company (AMC) and the trust company.

The AMC and trust company have also been allotted new names as ‘ICICI Prudential Asset Management Company Ltd’ and ‘ICICI Prudential Trust Ltd.’

“The Leading Fireplace and Chimney Specialist Company in San Diego” Since 1958



Authentic Fireplaces Chimney Repair is dedicated to helping you ensure the safety of your home and loved ones. All too often, homeowners appreciate the benefits of a warm, crackling fire in the winter months, but fail to appreciate the utter importance of a safely working chimney. This neglect can be extremely dangerous, allowing soot and creosote to accumulate, and leading to potentially hazardous chimney fires.

Our goal at Authentic Fireplaces Chimney Repair is to offer our customers full chimney repair services, so they’re never left to hazard the risks of chimney neglect. And since we understand that perhaps the only thing less welcome to you than a chimney fire is an exorbitant and unexpected service fee, we offer fair and competitive rates on all jobs.

At Authentic Fireplaces Chimney Repair we offer the best tools and technology to keep your fireplace safer and warmer than ever. Remember, your family and home aren’t safe if your chimney isn’t safe! We deliver safety, quality, dependability, honesty, and fairness. Give us a call today to learn about our maintenance programs.

Services:

Chimney Relining • Rebuilding • Redesign • Repairs • Dampers

Featured Brand:

Forever Flex by Olympia Chimney Supply

Member of:

Chimney Safety Institute of America #4366
National Chimney Sweeps Guild
Better Business Bureau of San Diego

Jim Crawford, President

C29 Mason / B1 General Contractor - License # 671439
Workers Compensation with State Fund
Liability with Aero General Insurance

Authentic Fireplaces Chimney Repair
Business: 858-274-6134
Cell: 858-274-1546
INTERPARTNER ASSISTANCE JAPAN,LTD.



We has provided highest level of service quality to any type of customers in consequence, the number of customers has reached over 14,000,000 .


Trade name


INTERPARTNER ASSISTANCE JAPAN, LTD.

 

President


KENZO ARAI

 

Head Office

Rokkou Bldg,3rd Floor,4-1,Shinkawa 1chome,Chuo-ku Tokyo 104-0033.Japan

 

E-Mail


contact@ipaj.co.jp


 

Foundation


April, 1991

 

Share Holders


AXA Assistance  Japanese Leading Insurance Company

 

Our Clients

Insurance Company. Life Insurance Company.  Auto Maker (imported &domestic) . Credit Card Company. House Company .General Trading Company . Public Institutions

 

Business


Roadside Assistance . Medical Assistance

Home Assistance . Lifestyle Assistance . Legal Assistance 
Investment-Linked Insurance Policy: Insurance Charges- Final Part

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So, what’s the big deal with the insurance charges? Well, I am going to cover exactly that, with a little bit of simple maths, don’t worry, no algebras!
Unknown to most, even to the sales personnel that has been recommending investment link products to unsuspecting clients, insurance charges in an investment-linked policies are calculated according to a rising rate. Note the keyword here- rising rate. We will discuss later how this rising rate will affect you not now, but a few more years down the road.

Insurance charges are the cost that is incurred by the Company to take up the risk for a particular coverage. Insurance charges is calculated according to the type of coverage. All the benefits such as Death, Dread Diseases and Disability has different insurance charges rate.
It is a set of example I’ve taken from one of my existing investment-linked policy. You might need to refer to your policy manual to check up the rates or if you can’t find them in the policy manual, ask your consultant to provide one. This rate is very important for you to calculate if your premium you are paying now is enough for your coverage when you get older.
This figure is much more easier to read, since you can get the total insurance charges for the year you are looking for directly from the chart.

For 25 years old, your medical card coverage will cost you RM 238 yearly in insurance charges.

For 50 years old, similar medical card coverage will cost you RM 438 a year.

And finally at age 70, you are paying RM 1,651 a year for the same medical coverage.

Okie, that’s all for the maths. Now, you might be wondering, “How then, my premium is not guaranteed?” Or you might rebut, “Hey! I was told very clearly that my premium is fixed!�? You are both right and wrong.

Let’s take a look again at the two tables above. What do you notice? (observe harder…)

Well, you should realize that in the beginning of the first few decades, your insurance charges remain pretty much level. This is the optimistic era of your life, where everything is going well, hopping from one good job to another, driving new cars, moving into new house. Everything is sunshine and lovely!

As you approach mid-life crisis, that’s when the rise of the insurance rate charges kick in, of course, to add to the crisis!

The investment-linked policy is a product designed in such a way that it allows you to buy a very huge sum of protection in the early years with very minimal premium. By now, you should know why. I have seen cases where people can get RM 300,000 protection with a mere RM 150.00 monthly premium. Consumers who don’t read this article will think that they are paying RM 150.00 a month until Kingdom Come.

The Old Age Dilemma

As you get older and wiser, evidently the insurance charges will continue to increase dramatically.

When the premium is not enough to cover, you will receive a letter from the Company to remind you that you either top-up your premium, allow the Company to channel the profits (if any) that you’ve made from your investment to cover for the rising insurance charges or in the worst case scenario- terminate the policy.
If your retirement budget does not include this portion of expenses, you either let the policy terminate or you will need to adjust the coverage down to a level where you can afford or remove some of the benefits. Not a good idea, since the older you get, the more you need the coverage.

This is why you might be told that your premium is fixed, but at the expenses of adjusting your coverage/benefits.

Conclusion…

That’s why it’s important that one understand the nature of an investment-linked policy before signing on the dotted line. An investment-linked that is tied with many features and is financed with minimal premium is not meant for investment or savings purposes since most of the premium paid by the policyholder will be used up to pay for the insurance charges. Its core function is for protection only. If you are looking for investment return from your investment-linked policy, consult your insurance adviser on how you should allocate your premium.

Ensure that you are not being taken for a ride with the low premium high protection concept! Traditional insurance policies are the only GUARANTEED REGULAR premium insurance products. The premium and insurance charges has been calculated and averaged throughout the entire policy life. This is the reason why traditional policies are slightly pricier than their investment-linked counterparts.

A better risk management strategy would be to ensure that you also have traditional policies covering your life alongside the investment-linked policy. An ILP should be used mainly for your medical card coverage.

What about those who found out that they can’t afford the sudden hike of insurance charges and decided to start a traditional policy? Definitely not a very good idea especially if you realized this problem when you are about to retire (55 years old and above). The premium for any insurance products at that age will be prohibitive.

And that’s that. I am going to wrap up the entire series on Investment-linked Policy with the following advice:

There’s no way you can get high protection with low premium, at least not for long. Ensure that your consultant give you the whole picture of the policy terms, including insurance charges and risk profile of the fund. If the plan is too good to be true, it probably is. Remember, there’s no free lunch!
NBAD introduces Leasing subsidiary to free up capital for major industries



National Bank of Abu Dhabi formed 'Abu Dhabi National Leasing (ADNL)' as a fully owned subsidiary to assist companies to free up their capital resources and cashflows.
The new service is set to benefit a number of major UAE, foreign companies and Government organizations, and presents an alternative to traditional bank financing.

ADNL General Manager Mr Yousef Abdulla Yousef said: 'Leasing is an important and smart option to borrowing funds for a number of companies, Its key benefit is that leasing allows the financing and refinancing of major assets through a pay-back period system, freeing up vital capital and operating funds.'

He also said that 'for corporate companies, leasing is an attractive option to the conventional borrowing, particularly in industries such as construction, transportation and real estate'.

Mr. Yousef added that 'Leasing is based on the principle that profits are earned through the use, rather than the ownership of equipment and assets. Whilst conventional banking finance often requires the borrower to provide collateral as security for the loan, leasing has no such requirement'.

Mr Yousef indicated there were a number of reasons why leasing presented added benefits to borrowing money or making cash purchases 'The leasing agreement can be drawn up to the lessee's individual specifications, e.g. as regards term, payment schedule and mode of payment - or as regards further use of the leasing object after the leasing term. From the lessees point of view, leasing can allow new businesses with limited capital and credit history or small businesses without a history of financial statements to quickly boost their operations. Leasing provides more financial leeway as the lessee's debt ratios and equity capital remain intact, thereby making available working capital for more productive operational uses and business opportunities.'

Abu Dhabi National Leasing LLC (ADNL) was established as a limited liability company with a paid up capital of AED 10 million. ADNL, a fully owned subsidiary of NBAD, is entitled to own, manage, sale, rent, lease and invest in all types of movable and fixed assets including any durable asset, plant, equipment, machinery and commercial vehicles.

Exhibit 16.6—Technological Innovations That Could Be Used to Improve the Social Insurance Card if It Is to Be Used as an Identity Card


Introducing...The Paramount ER Card!


The ER CARD enables you to gain immediate access to reliable emergency rooms of any accredited hospitals of MedAsia in partnership with Paramount Life & General Insurance Corporation. Read more...

PERSONAL INSURANCE
..homeowners
..automobile
..personal umbrella
..recreational vehicles
..condominium
..tenants policy/renters
..valuable items floater
..fine arts
..life insurance


BUSINESS INSURANCE

..property
..automobile
..general liability
..workers compensation
..professional liability
..umbrella liability
..inland marine
..fidelity and crime
..health insurance

# Insurance Coverage Friends Car
# Car Insurance Military
# Direct General Auto Insurance

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# Nationwide Auto Insurance Policy
# Insurance Coverage Friends Car
# Auto Insurance In Alberta Information

News May Not be as Bad as it Sounds

On July 15th, General Motors announced that retired salaried employees 65 and older will lose their GM medical benefits. In exchange, GM will increase pension payments by $300 per month. My father is a retired GM employee, so I am very familiar with this situation.

The information below will hopefully answer some of your questions, and eliminate some of the fear, uncertainty and confusion, that you are feeling. Most General Motors retirees have had Medicare since they turned 65. You should have a red, white and blue Medicare card in your wallet or purse like the one below.

Sample Medicare Card

You will see two dates on the card, a Hospital (Part A), and a Medical (Part B) date. These are the dates that you enrolled in each part of Medicare. Your GM insurance is your “Secondary” insurance. It pays some or all of what Medicare does not cover. Medicare also has two other “parts.” Part C is the name for Medicare Advantage Plans. Part D is Medicare prescription drug coverage.

Health Insurance Discount Cards are being investigated

Another investigation by the Ohio Attorney General discovered The Discount Health Insurance Card Company of Cleveland failed to disclose an important restriction that would make the discount card cost prohibitively expensive to low-income consumers.

The consumer’s credit card must have adequate credit available to cover the physician’s customary fee before the discount in order to access the discounts available under the card's program.

Let's say a doctor’s fee is $350 and the member has only $275 available on his/her credit card, the discount card’s discount would not be available even if the discounted fee was $275 or less.

Discount medical insurance cards are fast becoming the alternative of choice for individuals unable to afford a regular health insurances. Many consumers do not fully understand that these health insurance discounts are not an insurance policy and that card holders remain liable for all health care fees incurred.

Consumers could experience difficulty getting participating physicians and drug stores to charge the discounted rate since the firms offering the discount cards often rent the provider networks from other companies. Many doctors’ offices and drug stores are unaware that they participate in the discount medical insurance card program.



"The Attorney General 's action against the deceptive practices of discount health insurance card programs and his effort to educate consumers about these fraudulent health insurances comes in the nick of time, especially for seniors," said Michael Fogerty, Executive Director of Ohio Statewide Senior Action Committee.

"With prescription drug store prices rising 18-25% a year and the failure of Congress to enact a comprehensive Medicare supplement prescription drug benefit, many desperate seniors are turning to these discount health insurance cards to save whatever savings they can."

Medieval insurance cards can provide savings on health care services and prescription drugs according to the Attorney General. To help make a educated decision as to whether the discount card programs are beneficial, the Attorney General’s office is investigating further.

Numerous good peopl
e have had disastrous experiences in the past with faulty discount insurance cards.

We welcome you with open arms to real health insurance that will accept you for who you are.

“The Leading Fireplace and Chimney Specialist Company in San Diego” Since 1958

Authentic Fireplaces Chimney Repair is dedicated to helping you ensure the safety of your home and loved ones. All too often, homeowners appreciate the benefits of a warm, crackling fire in the winter months, but fail to appreciate the utter importance of a safely working chimney. This neglect can be extremely dangerous, allowing soot and creosote to accumulate, and leading to potentially hazardous chimney fires.

Our goal at Authentic Fireplaces Chimney Repair is to offer our customers full chimney repair services, so they’re never left to hazard the risks of chimney neglect. And since we understand that perhaps the only thing less welcome to you than a chimney fire is an exorbitant and unexpected service fee, we offer fair and competitive rates on all jobs.

At Authentic Fireplaces Chimney Repair we offer the best tools and technology to keep your fireplace safer and warmer than ever. Remember, your family and home aren’t safe if your chimney isn’t safe! We deliver safety, quality, dependability, honesty, and fairness. Give us a call today to learn about our maintenance programs.

Your Student Insurance
Welcome to Pioneer. We are responsible for administering your student medical insurance coverage. Please login below using your Policy Number from the front of your medical insurance ID card. If you haven't received your card yet, the Policy Number may have been included in correspondence sent from your college or university.

Student FAQs
General answers to common questions can be found by clicking the Student FAQ link above.

If you experience technical problems logging in, please click here.

Czech insured clients


Canadian Medical Care accepts clients who are insured at the following Czech insurance companies:

VZP (Všeobecná zdravotní pojišťovna) OZP (Oborová zdravotní pojišťovna)
and who are enrolled in CMC's above-standard program. The reimbursement of general medical services by VZP and OZP insurance companies is also part of this program.

For a detailed description of program benefits, please click here.

T h e C o t o p a x i a n P r e s s


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This page will feature the details of Ed Reigel's backing accident on October 9, 2006.

I realize that a restructure of this page is needed. It is currently quite a mess, and I hope to present the info here in a concise manner someday. But for now...



The Samuria Saga



On Oct. 9, 2006 Ed backed the State loader, into my 1986 Suzuki Samurai.

His initial comment "at least it still runs" led me believe that he had no intention of addressing the issue and so I contacted the Colordo State Patrol, to report the accident, in where a SGT Holt, via a dispatcher, directed me to contact the State's Risk management division via my supervisor, to report a claim, which I did. McMillan Claim Service handles those claims.







CDOT, or rather the State of Colorado, has refused to pay for the damages. Their refusal is based on their interpretation of the law, specifically that the loader is not a motor vehicle and thus does not meet the requirement to waive the Government Immunity Act.



Although I did not have an accident, I was required to fill out a variety of accident report forms and provide and Employee Statement of Accident.



Rather than repeat everything in a second place, here is the link to my Employee Statement of Accident, where in I was required to state the events of the accident, what I thought caused the accident, who was to blame, and how it might have been prevented.



A day or so after the accident I placed a call to my supervisor (TMIII), Chuck Decker...he wasn't in and I was forwarded to Chuck Bennett (LTC OPS I), also a supervisor (actually higher in the CDOT hierarchy than C. Decker, and to some in CDOT, this hierarchy thing is very important, so I'll mention it here). In our conversation about the accident, Chuck Bennett took offense at the way I was speaking to him. In response to my comment that we did not have a designated parking area, I believe he said that the Superintendent could make us park outside of the yard, and I said that was irrelevant...and that made Chuck angry. I asked Chuck where we were supposed to park in that case and he said he didn't care, that wouldn't be his problem.



(btw, The irrelevance is that no matter where a vehicle is parked, the operator is responsible for his driving. This in ingrained upon us in all of our training. Also, I was immediately struck by the likelihood that if I was denied parking on State property then so too would all other State employees be likewise denied. I thought that this was very unlikely to occur.)



Bennett demanded that I come to his office ASAP, and gave me a time of 45 minutes to complete this approximately 75 mile drive. I told him that I would need at least an hour and a half, and he conceded to this. Hey, I made it but only because I hit all the lights on green...except a couple in Pueblo.



It seems sometimes I come across wrong to some persons in conversations....or demeanor...and it isn't intentional. Side bar: back when I was a young wild man, I went to bars on occasion. Often I would for no reason apparent to me be accosted for some inferred slight. This got old. When I turned 21, going to bars lost a lot of their thrill, so I pretty much stopped going to them, and hence, got along better with those types of folks. I usually try and stay out of the office....



In the following meeting, with Chuck Decker present, C. Bennett told me that I should not have an attorney write RISK management a letter indicating I would sue for damages. He said it would make them mad, and that it would make him mad. This came up because I had mentioned to Ed that I imagined a lot of times that's what it took to get paid in a case like this. According to C. Bennett, Ed had called him and told him I was going to sue the State.





Chuck B. said I was being a smart-ass (or something to that effect) and he wasn't going to put up with it. I apologized and said it wasn't my intent to upset him.



I could see that Bennett was upset with me. I get upset sometimes too, so I can relate. Sometimes people get upset. It's ok.



However, Chuck B.'s words weighed heavily on me for awhile. In his position at CDOT he has a say on my performance ratings and promotional ratings. He seems like a decent guy. He will get in a truck and help out plowing snow, and that says a lot. All of our current foremen will do that, and I think it's a good thing. So I have quite a bit of respect for Chuck B, and in fact I like both of these guys. However, it appears that I should not speak as frankly with Bennett as I have been, and that's ok too.



I also like what my father used to say; "I'd rather be right than President".

Words to live by.



Chuck Decker said that I needed to write a detailed account of the accident - the Employee Statement of Accident. I complied and this can be viewed at the following link:



My Employee Statement of Accident (You will need to read this page in order to follow along below.)



Afterward, around October 19, I received a letter from McMillan Claim Service, to whom Claims against the State are referred to.

Click here for a copy of that letter.



Within was a form that I filled out and sent by Registered Mail (required) to the State's Attorney General. I included two repair estimates; one from Linder Chevrolet in Canon City, CO for $1745.84, and another from Zimmerman's Body Shop, also in Canon City, for $1070.52.



Here is Zimmerman's estimate: Page1 Page 2



Here is Linder's estimate: Page1 Page 2



In my claim sent to the Attorney General I asked for $1070.52. This of course does not account for any other losses this accident has caused to occur to me. I think Zimmerman's estimate was lower in part because they were quoting salvage body part prices. This is ok with me; I'm not trying to gouge the State here, just wanting to get my Sammy fixed.





On November 16, 2006, at about 12:03pm my wife called me at work and asked if an Earl Leake (pronounced "lake") had called me yet. He had called her at our home around 11:30am and told her that he was with McMillan Claim and had a few questions to ask me before he got my claim going.



I called him at 303-433-6579 and got a hold of him about 12:30pm.



He thanked me for my detailed account of the accident.





He said his recommendation to RISK management would be not to pay my claim. Apparently he had "gotten that claim going" without me! He said it would then be up to them (and according to Chuck Decker's comment at my previous meeting with him and Chuck Bennett, this decision is made by Stacy Stegman- spelling?) to make the final decision on whether or not to pay my claim. He said it would take about 10 days or so for that to happen. My understanding was that RISK would then send me a notification of their decision.

Mr. Leake said that I was not guilty of doing anything wrong, and that Ed was at fault for backing the loader into my vehicle. He said I had a right and good reason at the time to park where I did on the day of the accident. He said while I could have tried to warn Ed that I had no duty to do so. He said that he would include this opinion in his letter to Risk Management.



He said the reason for declining my claim was state immunity, specifically regarding the difference of a motor vehicle and a loader. He said a loader was not a motor vehicle. He gave me a couple of anecdotal stories of how the courts had decided in favor of the state. One story went in favor of the state and another did not. I didn't quite understand why he told me that, but I didn't say anything about it.



Mr. Leake offered to give me the name of the statute containing definitions of state immunity, and I accepted and wrote the CRS item down. He said he was just giving me a heads-up on what he was doing, and said it would be ten days or so till I heard back from RISK management.



I asked him, out of curiosity, why a loader wouldn't be considered a motor vehicle if it had a license plate. Mr. Leake gave an explanation...something about tractors are not motor vehicles but require some sort of license... He said he did not know why they were not considered motor vehicles (when they had a license plate) and that he had not looked into that.



I thanked him for the heads-up and said goodbye.





And then, after a long spell, around December 12, 2006, I received another letter from McMillan, signed by Mr. Leake, that stated they had denied my claim.

Click here for a copy of that letter.



As per our conversation earlier, I awaited the final news from the State's RISK management division.



Well, after months of waiting, and no work from RISK, I called Earl Leake and asked him if I would ever hear from them. This was on January 9 around 3:00pm.



Mr. Leake said that I would not get a letter from RISK, just the one from them.



Earl said the reason for the denial was because the state's loader was not a motor vehicle.



I asked him about an appeal process, and he said yes there was one...I asked what was involved and he said I would need to have an attorney file notice of...(well, sue the state). I talked to him a while about the case law and he said that it was a 50/50 decision. I'll try to blog this more in detail elsewhere, but suffice it to say for now he said I had a shot at making an appeal stick. Once again, as in our previous conversation, he said Ed was at fault and even suggested turning it in to my insurance company. !!! Now it's an option? It was not before when I contacted the State Patrol! Of course that would have been easier for Ed and me but it was not an option!



Earl said that I could talk to a lawyer friend about this and perhaps get an opinion. I told him that I don't run in the same circles as lawyers, apparently. However, later I remembered that three of my neighbors are lawyers.



Anyhow he was very nice & I think I was also. I told him I didn't have a big problem (inferring, I hope, that there are some bad connotations associated with a person that sues their employer) with suing the state....(other than my supervisor had already indicated that I shouldn't and that it would make him mad - and the inference that I see may not be there)....if the outcome would be define what was right.


I told Earl that I wasn't sure if I wanted to be the scapegoat, but that it appeared that if there was one more case law in favor of the claim against the state in similar issues, then his 50/50 decision would be 60/40, and easier for the next guy. Actually, case law already mandates a decision in my favor, and I would think Earl knows this, and that RISK mangament knows this - and they know I can not afford an attorney for a $1K claim. And THIS is the "big picture" case. Most people don't know what liberty is, so it makes their job easy.



So I've got to think about this.



I'll put some of the case law links up here...and insert some comments as time allows. I've put some personal comments on each of these pages.



Law search results



Case Law search results



a loader is a motor vehicle search results

Note: state has dated self-insurance on loader, insurance card in vehicle.

Welcome to General Dentistry AOKII
@We accept Japanese health insurance treatment.
@The insurance will be confirmed at the beginning of each month, so do please bring your insurance card when you come our dental office.

General Dental Hospital" as Relaxation Place

-We are located in front of Ochanomizu Sta. (Kanda-Surugadai, Chiyoda Ward)
-We diagnose teeth, gum and jaw-related diseases (Tempor-mandibular Joint Disorder) using "General Diagnosis"@procedures.

-We can diagnose dental occlusion using the CADIAX system. The CADIAX System is a jaw function analyzer using a computer system. This was invented by Prof. R Slavicek (of Donau Univ. Austria).

-Our dental office has private treatment rooms to protect your privacy.

Please note:
-We are Japanese, so please do not expect perfect English.
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TRAVEL INSURANCE POLICIES
What is the EHIC and how can it help me?
The European Health Insurance Card (EHIC) replaces the former E111 form. UK residents carrying the new EHIC are entitled to free or REDUCED COST healthcare, depending on the country they are visiting. American Express will offer a discount on your travel insurance premium to all EHIC card holders.

What if I lose my passport or have it stolen?
If you are in the UK, you will need to fill in a LS01 form which will quickly cancel your passport and prevent it being misused. It will also order you a replacement passport.
You can obtain a form from the following sources:

Post Office
Police Stations
www.passport.gov.uk - the UKPS website
UKPS offices
The Passport Advice Line - 0870 521 0410
If you are abroad, the first thing that you should do is report it to the local police. Then contact the nearest British Foreign and Commonwealth Consulate, Embassy or High Commission. They will help you to report the loss of your passport to the UK passport service, and arrange for replacement travel documentation.
Taking money overseas?

It's always a good idea to take some local currency with you. You may need it on arrival for taxis, bottled water while you travel or for small purchases while you are shopping.

Make use of the hotel safety deposit box wherever it's available and keep any money that you carry in a discreet secure place - you can buy money belts which are small and easy to carry.
Take the remainder of the money in Travellers Cheques so that they can be replaced quickly if they are lost or stolen.
Most destinations will accept credit cards, so these are a good option to have when you are away from home. Alternatively, some banks offer their customers access to their cash while abroad via their debit card (although charges and commission can be very high so be careful!).
Worried about theft abroad (or at home)?
Lost or stolen bags are an inconvenience at home, but its often much harder to sort out everything with the banks, card providers and get hold of your document numbers and passport details when you are away.

Many card providers provide an online security vault where you can store copies of all your important documents and card details securely online and access them anywhere in the world via your private account. Should your cards get lost or stolen, you can just make one phone call to us and we can cancel them for you to prevent further loss and request replacements.

It isn't always practical to carry photocopies of all your travel documents, so its extra reassurance to know that you can access copies online via your online account or we will even fax them to your hotel 24/7 in an emergency.


Company Profile

The RCS Group is an independent, financial services company that operates in South Africa, Namibia and Botswana. Since its inception in 1999 RCS has provided credit and financial services to more than one million customers.



From its humble beginnings as a specialist personal loans provider it has expanded the available product range offered to customers to include private label cards, retail cards, personal loans, home loans and insurance.



The major shareholders in RCS Group are The Foschini Group (55%)and Standard Bank (45%). Both the shareholders are listed on the Johannesburg Stock Exchange.



At RCS we pride ourselves on our expertise in consumer lending, direct marketing, risk and analytics and currently have a staff compliment in excess of 850.



We actively support the National Credit Act, promote responsible lending and are a leading industry player in support of government's objective to combat over-indebtedness and reckless lending.

RCS General Purpose Card
The RCS general purpose card is similar to a credit card and is accepted at more than 12 000 retail outlets in South Africa.