October 22, 2016

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  • 004 Can alternate treatments solve hand related ailments or not


    Can Alternate Treatments Solve Hand Related Ailments, Or Not?

    A good number of people the world over are finding ways to deal with serious health problems through alternative sources of energy and treatment programs. The basic remains on point though with allopathic medication being the ultimate solution to many a problem. Here are some thoughts as to whether alternative treatments can sort hand related woes.

    If you are looking for Hand Therapy Treatment Singapore, do consider Hand Surgery Singapore’s hand therapy services. They have experienced hand therapy specialists that have been known to provide top service to patients. You can check them out above.

    1. Acupuncture, an ancient science has been around for centuries and has been known to be a healer to a number of people. In fact, specialists the world over promote this form of therapy to their patients if they are looking for an alternative to an intrusive surgery.
    2. Acupressure is also known to work wonders provided the patient does not have a serious problem like cancer that requires the expert touch and treatment by allopathic specialists. The underlying problem of the patient is worked into the method by applying pressure points on various parts of the hands that work the muscles and nerves to function as a whole.
    3. The upper extremity of the body � the shoulders and the ends of the fingers may not always be in tandem with each other because of excruciating pain and triggers from various parts. After a consult with the specialist who will ascertain the extent of damage to the hands and other parts of the region, a treatment plan may be suggested. If need be the person may need hand therapy treatment instead of surgery.
    4. A hand therapist is a person who has adequate knowledge of the functioning of the human anatomy. The person will devise a solution by taking into account the medical history of the patient and ensure that the person will be able to function as a whole through preventive and post-surgical rehab.
    5. For quite a while alternative solutions have taken over as not many patients like to be cut up (surgery). Based on the extent of the problem, for instance, if there is limited blood flow in the hands, the person may need to be treated with massage to penetrate the inner functioning of the blood vessels. It also helps treat the tendons and the bones as a whole. However, just an average therapist may not be the solution, but a person with the credentials and the wherewithal in every facet of the human body.
    Alternative treatment patterns are a great preventive mechanism in doing away with stress disorders. However, when the health condition is serious like a tumor or cancer, a qualified expert in the domain of allopathic medication is what you are looking for, to find a solution.

  • Things you should avoid after a broken wrist surgery

    If you have a broken wrist surgery after a serious fall, you will definitely want to get back to your daily activities as soon as possible. That said, one thing you need to keep at the back of your mind is that it is going to take some time for your injured wrist to recover completely. During your recovery period, there are some things that you definitely need to avoid so that your bones can heal quickly and also to reduce the chance of a post-surgery injury or complication.

    After your hand surgery, your doctor is likely going to give you some instructions that will help you steer through your recovery period.

    If you need surgery for a broken hand injury, you should consider Hand Surgery Singapore Broken Hand Surgery. They are a team of senior hand surgeons and experienced hand therapists and have a combined experience of more than 80 years. You should look for them if you are seeking proper treatment and proper recovery. You may visit their site above.

    In this article, we are going to be looking at some activities that you should avoid after a broken wrist surgery.

    1. Driving

    After your surgery, you are going to need someone to drive you home, because your hand is still fragile. For the first couple of weeks after, after your hand surgery, you will have to take some prescription medication to reduce the swelling as well as the pain in your hand region. After a couple of weeks, you will be able drive again. But of course, the time frame it is going to take for you to recover depends on the severity of your injury, the type of vehicle you drive and the type of cast you have.

    1. Cooking

    You likely do not think much about the number of times you use your wrist daily, but after your surgery, you are definitely going to realize how important your wrist is especially when it comes to carrying out your daily activities.

    After your surgery, you will find it very difficult to carry out simple tasks.  Before your hand surgery, prepare some meals and store them in your refrigerator. If you have friends and family around, invite them over and ask them to cook for you while you recover.

    You are likely going to be tempted to settle for junk take-out food, but you need to keep in mind that these foods are not very nutritious. During your recovery period, your body going to need vitamins and minerals that is it is going to use to repair your broken bones. So, if you want to heal quickly, ensure that you make healthy food choices.

    1. Submerging

    After your hand surgery, you will be able safely to take a bath. But you should ensure that you keep your bandage dry at all times. Before you take your bath, use a plastic bag to wrap your hand. You also have to be careful not to submerge your hand in the water while in your tub. You will have to keep your bandage dry for a week or two after your wrist surgery. If you have a cast, it is also important that you keep it dry.

    1. Too many activities

    This is something you definitely have to avoid during your recovery period. You see, when you move your arm a lot, the blood that flows to your injury site is going to increase and this will ultimately cause you pain and make your hand swell.

    Ensure that you rest as much as you can during your recovery period. Try to keep your hand in an elevated position as often as you can.

    Use ice to reduce the pain as well as the swelling in your arm region. While doing this, you need to remember that your bandages need to remain dry. What you should do therefore is to wrap the ice so as to prevent water for the ice from wetting your dressing.

  • Things to remember post surgery

    Caring For Your Hands Post-Surgery

    If you or a loved one are expecting to have a hand operation or have already undergone a hand joint surgical procedure, you are probably aware that a successful recovery is a top priority. Here are some general guidelines to help you move swiftly down the road to recovery, but remember to always listen to your doctor’s recommendations above anything else.

    You should check out http://www.handsurgerysingapore.com/osteoarthritis-arthritis-of-hand for finger arthritis surgery.

    It is important to keep your hand elevated after surgery. You want to keep the hand higher than the heart so that swelling is reduced due to blood draining from the extremity. By reducing the swelling, your body will be better able to repair the surgical wounds, which can help reduce pain. For surgeries that do not involve tendon repair, it is usually part of the doctor?s recommendation to squeeze your hand into a fist multiple times during the day. Some doctors even recommend this type of movement up to fifteen times each waking hour to keep swelling down. When the hand is swollen after surgery, it slows down the body?s ability to drain waste from the wounds, and can cause the hand to stiffen. If stiffness occurs for a long period of time, it can make therapy more difficult, and it will take longer to regain full mobility. Moving your hand encourages blood flow throughout the fingers, delivering vital nutrients to your hands and speeding up recovery. Making a fist will also pump fluid away from the hand, and contribute to reduced swelling.

    You should never remove any bandaging after surgery until you gain approval from your doctor. Removing the bandages too early can slow the healing process, sending your recovery into a regression. The bandages are used to keep your wounds sterile, and even though your hand may be feeling better, you should not risk exposing the wound until you are told to do so. It is also important to avoid getting the bandages wet because water can support bacterial growth on your hand, and may also inhibit the recovery process. If you decide to take a shower, you should take preventative measures by wrapping your hand in plastic and taping the end around your arm so that water cannot reach the bandages.

    Tingling can occur at any time post-surgery, and the anesthetic can last for eight to ten hours after arriving home. If you have trouble managing the pain, talk to your doctor about the types of prescriptions that can be provided to alleviate discomfort, as well as other steps that can be taken. Again, the most important aspect of the recovery process is keeping your hand elevated, which can be done by stacking pillows under the recovering extremity.

    Stitches are a common way to promote the healing process within the body, and you may find that you have stitches for up to two weeks after surgery. Some doctors recommend physical therapy right away, because therapy will reduce the amount of scar tissue that develops after this type of surgery. During the physical therapy session, you will have hand massages that physically break up the scar tissue and encourage blood flow. Vitamin E has been proven to support regular tissue growth, and is readily available over the counter in liquid and capsule form.

    After surgery, your primary focus should be recovery. Hand therapy will help you develop effected motor skills more quickly, and will reduce the amount of scar tissue. The body is complex and everyone responds differently to treatment, so it is important to discuss any postoperative-related questions with a trusted medical professional.

  • Alternative solutions to trigger finger surgery

    A common problem with the hand occurs when one or more fingers lock in place when they are flexed. This condition is commonly known as trigger finger. Most people with trigger finger experience a loud clicking sound when the finger catches, and it seems to be more common in the morning after a night of sleep. In some instances, the finger may be trapped in a certain position, and the finger will not move until it is physically released by the other hand.

    Trigger finger is strongly associated with other medical complications, such as diabetes mellitus, gout, rheumatoid arthritis, and carpal tunnel syndrome. Flexor tendons move through a series of loops, known as pulleys, and the pathway can become difficult for the tendon to travel through due to swelling. As part of the tendon swells, it can become too large to glide freely through the pulley, and the finger is locked in place.

    One such clinic for this condition to look out for is Hand Surgery Associates, who specialises in hand surgery with over 40 years of combined experience. They have a wide range of services available, from emergency treatment to hand therapy. If you should need consultation for hand surgery, they are the place to look to. Find out more about them here.

    To treat this condition, patients should seek alternative approaches to alleviate symptoms before deciding to undergo trigger finger surgery. Doctors usually recommend drinking lots of water, resting, and taking NSAIDs, such as ibuprofen, to start with. Patients that experience symptoms at night may find it beneficial to wear a splint while they sleep, and it can help keep their fingers from clicking in the early morning. However, many people find the unnatural feeling of the brace makes it difficult for them to fall asleep, and sometimes they wake up from discomfort.

    The next alternative method would be to see a doctor and get treated with a steroid shot. A combination of local anaesthetic and corticosteroid is mixed in a 10mL syringe, and a needle is injected at the base of the finger. The needle has to reach the tendon sheath, and all the liquid is released to reduce inflammation in the area. Steroid shots are effective at reducing swelling in the tendon, and although it is uncomfortable, this technique usually works. However, it can take several weeks for the patient to benefit from a steroid shot, and the results are sometimes short-lived. Patients typically revisit the doctor to receive another round of steroid treatments, and this can continue for several months.

    After steroid shots have failed, the patient has two options. The first is to do nothing and learn to live with the condition. Trigger finger is not life-threatening, and many people learn to cope with a finger or two that randomly lock in place. Others find the experience to be very frustrating and painful and do not wish to live under these conditions.

    Trigger finger surgery is a simple and straightforward procedure that has been around for many generations. Doctors have two types of operations to choose from, and the patient usually recovers very quickly. The procedures do not require an overnight stay in the hospital, and patients are free to leave as soon as the operation is complete. Local anaesthesia is used to numb the pain, so patients don?t have to go under if they don?t want to.

    If you or a loved one are suffering from trigger finger, these alternative approaches can help in the early stages of its development. As you explore the different methods above, rest assured that you will find a solution one day. Trigger finger can be treated several different ways, and as a last resort, surgery can immediately relieve your symptoms. The procedure is easy, inexpensive, and has a relatively low risk for the patient. Talk to a hand surgery specialist in Singapore about finding a solution for your trigger finger, and free yourself from this condition for good.

  • Breast Cancer Screening in Singapore – Both Men and Women are vulnerable to it.

    Breast cancer is a disease that affects both men and women, but women are more frequently diagnosed. Getting screened for cancer can be an intimidating task for people who are concerned about the results. The critical thing to remember is that catching this disease at an early stage is crucial to treat the condition successfully. One in eight women are diagnosed with breast cancer in their lifetime, and you don?t want to wait if you suspect something is wrong. The screening process is simple enough, and a discrete, professional staff will patiently review the results with you. If you are seeking professional assistance, do head down for a health screening at Acumed Medical Clinic.

    When should I get checked?

    Breast cancer symptoms typically include any unusual lumps in the breast tissue, firm pockets of skin, and sometimes there are no symptoms. Routine screenings for breast cancer are encouraged for women nearing the age of 50, and the testing can identify tumours that are not yet noticeable. The risk of developing breast cancer increases with age, and it is best to catch cancer early in its development. Treatment plans depend on how far cancer has spread, and the earlier treatments can start, the better the chances of eradicating this disease from the patient.

    What is the breast screening procedure like?

    Screening for breast cancer is non-invasive and uses X-ray technology to distinguish tumours from healthy tissue in the breasts. During the procedure, one breast is scanned at a time, and a machine is gently, but firmly placed around the tissue. The usual screening process takes two different angles of each breast, and the pictures are reviewed by skilled doctors to look for anything unusual. As your doctor explains the results of your screening, you should feel comfortable asking all of your questions. You don?t want a doctor that rushes through their explanation.

    How much will breast cancer screening cost?

    Many clinics in Singapore offer health care packages that include cancer screenings and other forms of preventative medicine to catch problems before they become serious health concerns. Your health is vital to maintain, and it is difficult to put a price on your wellbeing. The medical costs of screening are negligent when it comes to catching breast cancer early, and purchasing a screening package is a great way to afford routine visits to the clinic.

    What qualities should I look for in a breast cancer screening clinic?

    Medical treatments are private affairs, and you want a dedicated staff of medical professionals that will screen you with discretion. If the doctor makes a mistake in their diagnosis, it can have severe consequences for the patient. You want to find a clinic that provides their patients with skilled physicians that are passionate about healthcare. Doctors that take a thorough approach to screening for breast cancer instill confidence in their patients, so you can move forward with the results.

    Following your screening, your clinic will typically provide a personalized report of your medical condition, and the clinic’s doctors will go over the results with you. Your consultation will allow you to understand the results better and make any changes necessary to ensure proper health moving forward. Your doctor will make suitable recommendations to you according to the report, and if you need to make lifestyle or diet changes, or if you need additional treatment, you will be able to take the necessary action you need to ensure a healthy and happy future!

  • Singapore and its Health Care System

    Have you ever heard of the Singapore health care system? Do you already have an idea about it? Well, the Singapore health care system is considered as one of the bests is the world. People who can’t find the medical care that they need in their own countries usually head to Singapore for it. You might already have heard of one person who did go to Singapore and had successful medical processes. But what could be the reason why they are leading when it comes to medicine?

    An article by Pacific Prime will tell us more information about Singapore medical care and how good it is.

    Singapore medical care

    Imagine a world where you never have to leave your home to see your doctor. You merely click a couple buttons on your computer or mobile device and your new specialist appears on screen. She was just sent your medical records electronically from your general practitioner following their video consultation about your current condition. The funny thing is, you are in Singapore, your GP is in Hong Kong, and the specialist is in Germany. Not long ago, this kind of scenario would be something that might be presented to you in a science fiction movie, but today these kinds of interactions are happening between patients and medical professionals all the time via telemedicine!

    That’s right, telemedicine has really come a long way, and is set to start growing by leaps and bounds, especially in a city that is on the cutting edge of healthcare like Singapore. For people like you, the key will be letting you know how you can actually make use of this type of service, as well as how this type of service can be paid for across international borders. Here, Pacific Prime Singapore takes a closer look at telehealth in the city-state. Read more here.

    Technology – it is really one thing that contributes to the quality of service in Singapore. This kind of advancement makes medication more convenient to the patients, doctors, and clients. Because of how good Singapore’s medical system is, a question has popped – Is Singapore’s “miracle” health care system the answer for America? Let us find out all about it through Ezra Klein’s article below.

    Is Singapore’s “miracle” health care system the answer for America?

    When liberals talk about their health care utopia, they have scores of examples to choose from. Some name France’s high-performing multi-payer system (No. 1 on the World Health Organization’s rankings, in case you haven’t heard). Others point to Canada’s single-payer simplicity. The Scandinavian countries all do health care well, and there’s much to recommend Germany’s hybrid approach.

    Conservatives really only have one example of a free market health care paradise to point to: Singapore. But oh, what an example it is! In a New York Times column called “Make America Singapore,” Ross Douthat called it “the marvel of the wealthy world.” After the election, Fox News published an op-ed headlined, “Want to ditch ObamaCare? Let’s copy Singapore’s health care miracle.”

    Why are conservatives so taken with Singapore? The American Enterprise Institute’s glowing write-up explains it well: Read more here.

    Wow! Experts all over the world really admire Singapore’s health care system. According to them, Singapore really is the only truly universal health insurance system in the world based on the idea that patients, not insurers, should bear the costs of routine care. That idea alone is a good description of the Singapore medical care.

    With the great number of doctors and hospitals in Singapore, we should still know and choose good doctors. Just because Singapore is one of the bests when it comes to medicine, doesn’t mean that all doctors are good. Singapore Doctors Directory will share to us five ways to tell if the doctor is good.

    5 Ways to tell if the Doctor is good

    1. The Waiting Time is Long

    The universal rule of demand and supply applies.  There is this good doctor.  And there is only one of him or her.  Well, guess what?  There is indeed a lot of people who would want to see this particular doctor !  It does sound very much like deciding on which Char Kway Teow stall to buy your noodles from in a food centre.  A good reputation as a doctor takes a long time to build especially family doctor in Singapore.  And when a level of reputation is achieved, one can be certain that patients keep coming back for more.  And not only them, but their parents, cousins, colleagues, nephews and nieces too.  Try not to give up waiting for a good doctor, there is a reason for his or her popularity.  Some of us feel happy to be the only patient in a clinic, seemingly given exclusive attention by numerous staff.  But wait.  Ask yourself: Why is no one else here ?

    1. The Specialist Does Not Offer Extras

    A specialist has chosen sometime in their medical training to focus on a certain area of practice.   And most of them stuck to that area when they were employed in a public hospital.  But when they arrived in the jungle of private practise, things changed.  Free of institutional restrictions, GPs and specialists begin to offer more services and products.  It is now well known that many doctors can undergo a short course and rebrand themselves as Aesthetics Doctors, which is pretty specialist-sounding to most people.  And so, if the GPs can do it, why can’t other specialists?  And so they do.  Is your specialist concentrating on the liver or kidney or ovaries, or is he/she offering you botox, liposuction or “body contouring”, and even “medical grade” face creams and skin cleansers ?  Read more here.

    There are many reasons why the Singapore health care system is chosen by many people all over the world. Many big people have appreciated their service and recommend that you avail of their medical care because they are one of the bests. However, if you are planning to avail of their service, you should make sure that you choose the right hospital, clinic, and doctor. It is still your responsibility to know what is good and what could help you the most. Singapore has a lot of good doctors and hospitals, you just have to be wise enough to choose.

  • How technology helps with modern day hearing tests

    Do you usually turn the speakers and volume too high to hear the sound? Do you already have to move so close to hear what’s being said? Well, that just means one thing – you already have a problem with your hearing, and that’s a major problem. When dealing with matters like this, you should immediately consult a doctor, find out what’s wrong, and try your best not to make your condition worse. It is difficult to manage things with our hearing getting impaired because we mostly use it for our daily activities.

    For a much better elaboration, an article by Better Hearing Institute will share to us eight reasons why we have to put a hearing test at the top of our to-do list.

    8 Reasons to Put a Hearing Test at the Top of Your To-Do List

    Of all the life hacks for better living, taking care of your hearing is among the smartest and most economical.

      From pilfering away at your relationships and quality of life, to putting you at risk for other health conditions, untreated hearing loss is a silent thief. Here are eight reasons why you should get a hearing test today. Read more here J

    Those are great reasons why we should have our hearing tested. However, there are much important reasons behind this. At birth, it is recommended that infants should go through some tests and one of these is hearing test. It Is truly important and helpful because it can give us vast information that are very useful.

                In an article by Autism Speaks, they will tell us how infant hearing test can give signs of a specific condition called Autism.

    Infant Hearing Test May Flag Autism Risk

    “This technique may provide clinicians with a new window into the disorder and enable us to intervene earlier and help achieve optimal outcomes,” says study co-author Anne Luebke.

     Diagnostic methods rely on behavior symptoms that may not appear until 18 to 24 months of age. However, research suggests that earlier interventions can help promote brain development for at least some children predisposed to the disorder. 

    In their study, researchers evaluated a test similar to one commonly used to screen newborns for hearing problems. It employs a miniature speaker paired with a highly sensitive microphone in an earplug to detect abnormalities in sound processing.

    The researchers played tones and clicks through the miniature speaker and then analyzed minute sound emissions made in response by hair cells in the inner ear. A lack of response by these cells indicates impairment of the inner ear, or cochleaRead more here J

    Now that we are aware of what hearing tests could do, we should now take into consideration undergoing this kind of test. There are many types of equipment used to detect hearing loss and one example is the Pure Tone Audiometry. An article by Bengal Speech will tell us all about this equipment.

    What Is Pure Tone Audiometry Test and Why It Is Essential To Detect Hearing Loss

    Do you know about Pure Tone Audiometry (PTA)? It is an important hearing test to determine the presence or absence of hearing loss. When it comes to hearing loss, you may often ignore it. This may be because of the fact that you have not noticed that you suffer from it. Thus your hearing loss may also go untreated for long. However there is great danger of leaving your hearing loss untreated. The danger of leaving your hearing loss untreated is that, there are certain types of hearing loss which are irreversible in nature. Thus with further neglect the hearing loss may suddenly get aggravated. It is important that in case you are suffering from it, you must have it detected and treated thereafter. To have the problem detected there are certain hearing tests which are essential. They help to assess the type and degree of the same. Read more here J

    We should be grateful that these kinds of equipments were invented for our use. There is no reason to say no to have our hearing tested because we have our doctors and hi-tech equipments to do this. Having this test will not just prevent further hearing loss but will also flag more serious problems that our body is experiencing or will experience in the future. It is good to have this test as early as birth because it could prepare the family and it will be easier to prevent things from getting worse. If we are really concerned with our bodies and with the life that is ahead of us, we should already have our hearing tested once we feel that something is wrong and we should immediately have infants tested at birth.

     

  • Why Is Corporate Healthcare Management So Important?

    Lately, a trend has been observed in how the organizations are approaching their healthcare management programs for employees. To begin with more companies are found to be having a serious focus on employee wellness now. Management is seriously trying to find out the right set of solutions to control the increasing healthcare costs and healthcare issues. At the same time, there are several companies ego are making an attempt to deploy wellness programs without proper planning or experience to get success no wonder, a large number of such programs fail.

    But what could be the true problem? You cannot treat corporate healthcare management programs like a band-aid in order for a program to succeed the key attributes are strategy, support, motivation and last but not the least, engagement. For instance, if the management do not engage the employees in the solution, getting success could be difficult. The concept of preventive wellness means that there should be a thorough change in the behavior send lifestyle. Moreover change requires complete commitment and a long time,

    When you are prepared for complete commitment, you need to keep the following points in mind while designing a healthcare management program for your organization.

    Prevention of a large number of chronic diseases is possible

    CDC had shared that chronic diseases contribute to 75 percent of entire healthcare expenses. However, many of these diseases are preventable. Examples of such conditions are obesity, cancer, stroke, heart disease and many more. Chronic diseases can be prevented by taking specific actionable steps to stop their progression. However old habits develop over a number of years so such behavior cannot be altered overnight. But when the patient has been able to commit socially, emotionally and mentally, progress towards recovery is definitely possible. A proper employee wellness programs should address this issue through various layers of accountability and continuous education.

    Awareness level should be high to get success

    People all over the world are becoming more health conscious than they were ever before. However, due to factors like constant multitasking, longer working hours and higher level of stress, it is tougher to get adequate time for acting on the wellness goals set. It is really important to create a well-planned onsite wellness program since chronic illnesses contribute to a lion’s share of entire healthcare expenses as mentioned earlier.

    Corporate healthcare management program is a long-term and complex subject

    A corporate rate wellness program is successful when it is strategized with great planning. Such programs include a framework to highlight both the long-term and short-term goals for the employer and the employees. a person that needs x ray screening would and audiometry tests should be provided by employees, employer and the vendor for making such programs click. It takes a lot of time for making these programs successful and they keep evolving. Corporate well-being programs should not be looked upon as a single solution but an amalgamation of various solutions, which work as a cohesive unit under a single strategy. Thus, such a program requires layers of a long-term commitment, proper incentives, communication, education and awareness and physical activity.

    Control increasing healthcare expenses

    Every year, the cost of healthcare keeps increasing. It is especially true for some of the companies. As such, these employers try to transfer the expenses to their employees by means of higher deductibles. However, employees who are healthier may help to improve their bottom line on this respect. There have been several instances where employers are seen to reduce the contributions made by their employees with rebates when they join in a healthcare wellness program.

  • History Of Indemnity

     

    The indemnity agreements were not always addressed by such terms when the inception of this insurance took place. In the 1800s, the agreement was not as well-established and detailed as it is today. To ensure cooperation and delivering promised results, governments, businesses and even individuals made contracts as legal documents in case any party intentionally or unintentionally did not fulfill the contract. According to an article in the New York Times, Haiti had to pay France an – independence debt in 1825, when it got freedom from French rule. These were to compensate the losses that French plantation businesses and individual owners suffered in slaves and land. This is one of the most historic cases known where indemnity was evident.

     

    Another instance that is recorded as a case of indemnity happened in England, in 1884. Dr. David Bradley was wrongly accused and sentenced to 2 years in prison. In 1885, the Medical Defense Union was formed when other medical practitioners revolved against the decision. It was found that the apparent victim was a woman suffering from erotic delusions during and post-epileptic seizures. The falsely accused doctor was granted pardon and served only eight months in prison. Awareness to defend the doctor’s livelihood and reputation rose among other medical practitioners.

     

    Indemnity is commonly seen in post-war situations where the country that wins the war demands from the losing country. The indemnity may take years or decades to pay off. A classic example is when Germany paid as indemnity after its role in the World War I. The extent and amount of indemnity were so high that it was finally paid off only by 2010.

     

    The word ‘indemnity’ comes from the Latin word – indemnis which means ‘unhurt, undamaged, without loss.’ Monetary payments were done in indemnity or replacement and repairs were offered.

     

    Post World War I, over the next few decades, professional indemnity insurance in Singapore has undergone drastic changes and revisions to better the insurance provisions for traders and governments. Due to globalization and privatization, the growth and development of large-scale industries affect the government directly. Professional indemnity insurance has been able to provide their clients exactly what they expect and what they need for the smooth functioning of their business. When insurance can protect individuals despite unintentional errors in judgment or mishaps, these individuals can take a leap of faith by venturing into a new market as they learn more about the tricks of the trade.

  • WICA – The Recent Changes

    The year 2016 saw a few changes in The Work Injury Compensation Act (WICA) with modifications in the compensation limits in the event of complete and permanent incapacity or death due to a work-related injury.

    What is WICA?

    Through The Work Injury Compensation Act, the Ministry of Manpower (MOM) aims to make it easier for individuals to obtain compensation for injuries at work without the hassle of filing any legal suit, thus eliminating unnecessary legal expenses and frustrating delays. It covers all employees irrespective of salary level, except for those who are self-employed or independent contractors. Domestic workers and uniformed personnel are also not eligible for Work Injury Compensation. Under WICA, an eligible employee can receive wages for medical leaves, medical expenses or in case of death or permanent incapacity, a lump sum compensation.

    The New Limits

    From 1 January 2016, renewed compensation limits have come into existence to keep pace with the current fiscal scenario. The minimum compensation level in the event of the death of an employee due to a work-related injury has been raised from $57,000 to $69,000 and the maximum amount has reached $204,000, a significant rise from the previous $170,000.

    In the case of permanent and complete incapacity, the employee is eligible for a minimum of $88,000 and a maximum of $262,000 as compensation. Before 1 Jan 2016, the minimum and maximum recompense were $73,000 and $218,000 respectively. If the doctor certifies a 100% Permanent Incapacity, extra 25% compensation is paid to offset the expenses related to the care of the injured employee.

    For medical expenses caused by the treatment of an injury sustained at work, an employee is eligible to obtain up to $36,000, which is $6000 more than the previous $30,000. Also, according to the recent changes, the medical expenses will include treatments to facilitate an early return to work.

    The Effects

    The changes in the compensation limits show an average 20% rise in the work injury compensation limits payable to employees in the event of an accident at the work place. Consequently, the insurance premiums also show a comparable rise in the premium to counterbalance the higher payouts.

    A similar change had been made in the year 2012, when changes were made based on the 2010 median wage of employees. According to MOM, the median wage has since then seen another 20% rise, even as medical bills marked a significant increase as well. The 2012 alterations also included other significant measures like expanding the scope of compensable diseases, disallowing work-related exclusion clauses and clarifying the employer’s insurer’s liability to pay when there are multiple insurance policies etc.

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