July 2016

Sgt. Ma Jun (Donnie Yen) is a Hong Kong police officer with a reputation for violent behavior. He is determined to find and take down three powerful Triad drug dealers (Ray Lui, Collin Chou, Xing Yu). One of his fellow officers, Wilson (Louis Koo), is an experienced undercover agent working within the Triad gang. He and Jun agree to a partnership, but, when Wilson's cover is blown, Jun is forced to confront the gang the only way he knows how: with his fists.
Release date: March 14, 2008 (USA)
Director: Wilson Yip
Initial DVD release: January 21, 2009 (France)
Music composed by: Chan Kwong wing
Budget: 10 million HKD

Hong Kong policeman Keung (Jackie Chan) arrives in New York for the wedding of his uncle Bill (Bill Tung), a grocer who recently sold his Bronx store to the fetching Elaine (Anita Mui). After a biker gang bursts into the store to wreak havoc, Keung springs into action, giving up his vacation to defend the weak and protect the innocent with his extraordinary martial arts skills. As Keung investigates local gangs, he learns more about a criminal syndicate that needs to be brought to justice.
Initial release: January 21, 1995 (Hong Kong) Director: Stanley Tong Music composed by: J. Peter Robinson Screenplay: Edward Tang, Fibe Ma Producers: Raymond Chow, Leonard Ho, Barbie Tung, Roberta Chow

The old saying "Health is Wealth" denotes having good health is a lot more important that having plenty of wealth. Good health can help you earn efficiently and ensure you enjoy a quality life. A person with a bad health on the other hand, spends most of his money on treatment and doctor visits. The popular Arabic proverb says, "He, who has health, has hope; and he, who has hope, has everything".
Thus, it is our responsibility to stay protected. Despite all the precautions, it is not always possible to avoid accidents and illness and thus one need to be eventually prepared for such tragic incidents. In extreme cases, we are also forced to borrow money from outside to continue our treatment.
Safeguarding your health with insurance policy will ensure you are prepared for all sorts of eventualities. With thorough research and comparison you can identify the best product that suits your requirements. Research can be time consuming and confusing with so many available options in the market. There are a few vital pointers that you must keep in mind while looking for the best insurance covers and they are as follows:
• Basic Hospitalization Cover: In case your pocket does not allow you to buy a comprehensive health insurance cover, you can look for basic health care plan that pays for the expenses incurred from any sorts of illness or accident.
• Coverage and Premium: Expensive insurance policies need not be good always. You must review the Coverage of Critical Illness, Hospitalization Cash Benefit, OPD and other such benefits, if the premiums are identical. You must identify and assess the business needs you require.
• Family Floater Policy: It is better to buy a family floater health insurance policy instead of the individual policy. Every member can utilize the sum assured in a family floater policy. This can help you save premiums.
• Sum Assured: The sum assured can be determined based on the city you live and the size of your family. Health insurance costs in big cities are more than that of the small cities. Thus, you need to determine the sum accordingly.
• Separate Policy for Parents: Premium amount in family floater policy is calculated based on the age of the eldest member. Thus, you must keep a separate policy for parents and save on the premium.
• Day Care Procedures: You must take a look at the list of diseases covered under Day Care Procedures, before buying the insurance policies.
• Exclusions: Policy buyers must go through the policy document very carefully before signing it. You must ask for the details of the terms and conditions of the policy. The exclusion part is highly important and you need to enquire about the scenarios and diseases that are not covered under the policy.
• Top-Ups: If your employer offers you a health insurance policy and you are looking for a policy of higher sum insured, you need not buy a separate policy. You can simply top up your existing policy with the required benefits and sum assured. This is a good way to save on the premium.



Pre existing diseases are not covered in a health insurance policy. Preexisting means a disease that you have had prior to joining a health insurance policy. The policyholder may or may not have been aware of the pre-existing disease. Further complications which arise due to the preexisting disease are also not covered. For example, renal problems which arise due to a person having diabetes at the start of the policy would not be covered. 

This can sometimes lead to a lot of confusion and heartburn. Someone gets admitted for a kidney related treatment, and the insurance company turns down the claim saying the kidney problem has arisen because the patient had diabetes, and rejects the claim. It can get a little grey here as medical science cannot sometimes clearly pinpoint the root cause of a particular disease outbreak. In most cases, preexisting diseases are covered after 3 or 4 consecutive policy years. This is the single biggest reason why one should buy a health insurance policy at a young age, and continue with the same insurer. Because if you shift to a new insurer, you lose your previous credit and a disease that was being covered by the old insurer might be treated as a pre-existing disease by the new insurer. 

We have noticed that insurance companies start facing more claims from the health insurance customers from their 4th or 5th policy year, as pre existing begins to get covered and the profitability of the portfolio goes down.

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