If you and your family are hitting the road to make the most of the June school holidays then you’ll be all to aware that preparation is key.
SA’s roads has the bad reputation of being amongst the world’s most dangerous and travelling overseas has its own risks.
Product Development Actuary for Sanlam Individual Life, Karen Bongers has shared a checklist of insurance must haves that will definitely come in handy before you lock up and set off on that mid-year getaway with your family.
Get adequate death and disability cover
Ideally, you need natural-cause as well as accidental death and disability cover.
However, you can get accidental death and disability protection separately, should you need it in a hurry (the application process is quicker as it doesn’t consider your medical history) or if you don’t qualify for natural-cause cover.
Should you pass away, life cover can help your loved ones pay off any debts you might have and can enable them to cover their everyday living expenses.
Should you become disabled, disability cover can compensate for the loss of your income.
Check the country you’re going to is covered
- This is essential if you’re travelling overseas.
- Certain life cover policies might not provide cover in all countries – areas dubbed high-risk could for example be excluded.
- If you’re applying for cover before travelling, you might be asked about your travel destination.
- In this case, be honest about your travel plans, so that you don’t risk a reduced or declined claim if something were to happen to you while being away.
Check the activities you’re planning are covered
- Some policies exclude riskier activities like paragliding and sky-diving, so ensure you check for any exclusions if you’re plotting an adrenaline-packed vacay!
- When you take out a policy, be sure to disclose participation in potentially risky activities if asked to do so, to make sure there aren’t any surprises at claim stage.
Invest in funeral cover
- Funerals can be expensive and having cover in place will assist your loved ones to honour your memory without financial strain.
- This cover can also be taken on the lives of your family members, which in turn enables you to give them a dignified funeral.
Update your will
- Another far-from-fun one to tick, but an updated will is imperative to ensure your assets are distributed as you would wish, in the unfortunate event of your passing away.
Make sure your kids are covered
- There are benefits aimed especially at children.
- This protects your little one should anything serious happen at home or while away.
- Make sure the little ones are covered for various defined dread disease, injury, impairment and infection claim events, some of which may be more likely while on holiday, like dog bites requiring facial plastic surgery or near drowning incidents requiring ICU care.
Bongers reminds us that we need to be realistic about life’s ups and downs even before the holidays: “It’s not something we like to talk about, but given the realities, adequate death and disability cover are practically non-negotiable – especially for people with children and families to take care of.”
Angola Bets On Avitourism To Attract Tourists And Revenue
The Ministry of Tourism of Angola, in line with guidelines from the WTO (World Tourism Organization), has as a goal for the year 2020 – 2021 a bet on Rural Tourism, involving this and other projects for the development and fight against poverty.
Within the scope of the project “Betting on Aviturismo” the Ministry of Tourism of Angola, in partnership with a company PROMISED LAND VENTURES (PLV), launched this Monday, in Tundavala, Huíla province, training group in Tourist Guides.
The location of Tundavala was chosen because it is a tourist spot of great potential, not only that it exhibits bird watching, but also that it refers to the majestic landscape that attracts and surrounds visitors with its strong exuberance.
The expectation of Angola Tourism is that, with no final training action, the trainees are qualified and equipped with technical skills on hospitality, reception, interaction and orientation of tourists, as well as addressing ecological issues and ecosystem conservation.
It is a project composed of several stages and the formation of local guides along the tourist route, used by the Ministry, using one of the key stages for the success of the project, preparing the guides for those who are able to guide interested tourists, national or foreign.By the time of the “Betting on Aviturism” project, there are already a total of 15 young people, in the provinces of Malanje and Bengo, deep on the communities, places where there is a record of the presence of endemic birds with great potential as rare birds.
Addis Ababa has the most expensive hotel rooms in Africa, survey reveals
Addis Ababa has the most expensive hotel rooms in Africa. Picture: Instagram @everyday_ethiopia_
Addis Ababa, Ethiopia, posted Africa’s highest average daily rate (ADR), according to the most recent 12-month data from STR when surveying hotels on the continent.
From July 2018 through June 2019 the city registered an absolute average daily rate (ADR) of US $163.79 (about R2 400) when measured in constant currency, which removes the effects of inflation.
It’s a 1.1% increase year on year. The next closest STR-defined markets in Africa were Accra, Ghana ($160.34) and Lagos, Nigeria ($132.51). “Addis Ababa continues to maintain high ADR levels when compared internationally,” said Thomas Emanuel, a director for STR.
“The city has multiple demand drivers, such as a growing economy, successful airline and its status as the diplomatic capital for Africa. Air connections and ease of access compared with other cities also factor in the equation for strong demand, which provides hoteliers with the confidence to maintain rate levels.”
“With healthy performance comes interest in investment. The market’s pipeline is strong with 22 hotels and 4 820 rooms in active development. We will continue to monitor these new openings to see how the market reacts once these additional rooms open,” he says.
Addis Ababa’s occupancy over the same 12-month time period was 58.4%, up 6.5% year over year. Cairo & Giza was the continent’s occupancy leader at 74.5%. Cape Town Centre, South Africa (65.0%), ranked second in the metric followed by Accra (59.7%).
Business traveller: Here are 5 tips to know
The Business Exchange is a popular co-working space with offices in Johannesburg. The company has also just opened an office in Mauritius. Picture: Supplied/IOL.
If you find yourself travelling for business, here are 5 tips to help you:
Make sure your accommodation has free and fast wi-fi
Most hotels have decent wi-fi, and in many cases it’s free. There are, however, some hotels that cap the wi-fi usage to a certain amount for guests, after which you will be made to pay for further access.
The last thing you want is to be in your hotel room or the business centre on a Skype call with your boss, and you reach the wi-fi limit. If you are staying in an Airbnb, or something similar, talk to your host ahead of time to ensure you have internet connectivity.
Book accommodation close to business engagements
If you are in town for a particular business event, and you need to be at a certain venue for the work you need to do, then try to book accommodation close by. It allows less travel time, and you avoid wasting time getting lost.
You can also book accommodation near a public transport hub.
Rent a hot desk in a co-working space
It is not always easy getting work done at your accommodation or a coffee shop. A hot desk at a co-working space can be rented on a day-to-day basis and makes for an ideal, functional, work base. There is free wi-fi, and the facilities are ideal for business travellers, with boardrooms, meeting rooms and more. For those travelling in and around South Africa, there are many different options available.
The Business Exchange is a popular co-working space with offices in Johannesburg. The company has also just opened an office in Mauritius.
Book an extra day to explore
If you can afford it, definitely try to add an extra day of leisure to your business trip. This will allow you to take in the city at your own pace and time. You can also get to know the people a bit better, learn about their culture, and eat some local delicacies.
Try some local experiences and deep dive into what the place has to offer. It makes for a better story than telling people you just zipped in-and-out quickly, with no idea of what goes on in the city.
Buy a local sim card rather than switch to roaming
Switching to your network’s roaming offering, while convenient, will steadily, and steeply, push up your monthly bill. Rather buy a local sim card and use that instead. It is a much cheaper option.