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  <title>Expatriate Forums in Yemen</title>
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    <title>Expatriate Forums in Yemen</title>
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    <link>http://www.alloexpat.com/yemen_expat_forum/</link>
    <description>The Yemen Expats Online Community Resources &amp; Forums</description>
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                                      <item>
                                        <title>Rental Apartment in Yemen</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=6218#6218</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=90567'&gt;andreina&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Mon Jul 06, 2009 2:13 pm&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      Free online classified advertising gives a list of free internet classified ads among the Middle East and Northern Africa. Fundook helps in making your lives in big cities and towns more easy and enjoyable.&lt;br /&gt;
&lt;a href=&quot;http://www.sanaa.fundook.com/&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://www.sanaa.fundook.com/&lt;/a&gt;&lt;br /&gt;
&lt;a href=&quot;http://www.aden.fundook.com/&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://www.aden.fundook.com/&lt;/a&gt;</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=6218#6218</comments>
                                        <author>andreina</author>
                                        <pubDate>Mon Jul 06, 2009 2:13 pm</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=6218#6218</guid>
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                                      <item>
                                        <title>PABAHAY PARA SA OFW</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=4403#4403</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=11800'&gt;goadena&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Wed Sep 06, 2006 10:29 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;a href=&quot;http://bahay.ph/agent/goadena/real_estate.html&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;&lt;img src=&quot;http://www.suntrust.com.ph/homefinder/images/GH_GR_chelsea.jpg&quot; border=&quot;0&quot; /&gt;&lt;/a&gt;&lt;br /&gt;
&lt;span style=&quot;font-size: 24px; line-height: normal&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;&lt;span style=&quot;color: blue&quot;&gt;PABAHAY PARA SA OFW&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
My Dear Kababayan!&lt;br /&gt;
&lt;br /&gt;
As an Overseas Filipino Worker, your primary concern is your family’s welfare. We understand how hard you work for your family’s comfort, safety and ultimate security. With PABAHAY para sa OFW, it is now possible for you to built your own Family’s Home Sweet Home even while you are far away.&lt;br /&gt;
&lt;br /&gt;
For Inquiries:&lt;br /&gt;
Pls. Contact &lt;br /&gt;
Tel. no.: (632) 578.9284&lt;br /&gt;
Globe Mobile: +63915.5546259&lt;br /&gt;
Smart Mobile: +63920.2362481&lt;br /&gt;
Email: &lt;a href=&quot;mailto:goadena@gmail.com&quot;&gt;goadena@gmail.com&lt;/a&gt;    /     &lt;a href=&quot;mailto:pabahayparasaofw@yahoo.com&quot;&gt;pabahayparasaofw@yahoo.com&lt;/a&gt;&lt;br /&gt;
IM (Yahoo): goadena_eepi&lt;br /&gt;
Chikka: &lt;a href=&quot;mailto:goadena@gmail.com&quot;&gt;goadena@gmail.com&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
Look for:&lt;br /&gt;
GENE ADENA&lt;br /&gt;
visit webpage: &lt;a href=&quot;http://bahay.ph/agent/goadena/real_estate.html&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;PABAHAY PARA SA OFW&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;img src=&quot;http://bahay.ph/img/bahay.jpg&quot; border=&quot;0&quot; /&gt;</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=4403#4403</comments>
                                        <author>goadena</author>
                                        <pubDate>Wed Sep 06, 2006 10:29 am</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=4403#4403</guid>
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                                      <item>
                                        <title>Housing Loan..</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=4258#4258</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=9482'&gt;Luckycat&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Wed Jul 05, 2006 5:59 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      Hi! I don't know of any financial service company in Yemen, but I'm sure that any of the Yemenese people in the forum will help you soon.</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=4258#4258</comments>
                                        <author>Luckycat</author>
                                        <pubDate>Wed Jul 05, 2006 5:59 am</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=4258#4258</guid>
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                                      <item>
                                        <title>YEMEN MAIDS : House Maids in Yemen information</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2644#2644</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=-1'&gt;Anonymous&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Wed Jan 04, 2006 5:27 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;span style=&quot;color: green&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;YEMEN MAIDS : House Maids in Yemen information&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
Most of the house personnel available will be of Ethiopian or Philippine origin. &lt;br /&gt;
To find reliable cleaning staff it is best to enquire with other expats or colleagues at work. Salaries paid are currently between &lt;span style=&quot;font-weight: bold&quot;&gt;200 &lt;/span&gt;and &lt;span style=&quot;font-weight: bold&quot;&gt;350US$&lt;/span&gt; (most accepted rates go up to250 US$) for a 5 days working week with a months bonus at Ramadan/Eid or Christmas and 4 weeks leave a year (of course you will have to pay salary during the holidays). Before contracting staff you will have to check on their residence and work permits. Note down the place where they live and take their telephone number. &lt;br /&gt;
In Yemen it is not habit to have staff eat from your fridge: They will bring their own lunch.&lt;br /&gt;
For guards you can contract a private person once you are sure he is reliable or you can contract somebody from Stallion (tel:440418) or Group 4 (tel:249319). In case your guard is not showing up or you have some complaint they will take care of replacement or improvement. Discuss with the guard or their company what you can expect from them and what not. As the guarding companies skim off part of the guards salary their guards are usually less committed then the ones that you hire privately. Guards will not normally enter your house.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-style: italic&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Source by Rosan Aalbers.&lt;/span&gt;&lt;/span&gt;</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2644#2644</comments>
                                        <author>Anonymous</author>
                                        <pubDate>Wed Jan 04, 2006 5:27 am</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2644#2644</guid>
                                      </item>
                                      <item>
                                        <title>Expatriate Medical Insurance &amp;amp; Health Insurance Guide</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2630#2630</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=-1'&gt;Anonymous&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Tue Jan 03, 2006 3:51 pm&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;span style=&quot;font-weight: bold&quot;&gt; &lt;span style=&quot;color: green&quot;&gt;Expatriate Insurance, Medical &amp;amp; Health Insurance Guide&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
For new ex-patriots, leaving our Countries to be based in a developing country, perhaps for some years, it is often a shock to discover that medical treatment of a reasonable quality is just not available, or very expensive, in their new location. Conditions can differ vastly from Baku to Beijing to the Bahamas. Many documented case histories sadly indicate the devastating experience both mentally, physically and financially of falling seriously ill when overseas, can become. Private Medical Insurance when abroad is like a parachute when flying. You may not need one but it better be there, as you and your family would may not survive without one. e.g.: Being evacuated from the Gobi desert, following a car accident resulting in broken bones, coupled to a suspected fractured skull is not an easy matter at any time. &lt;br /&gt;
&lt;br /&gt;
The medical insurance plans you may need are readily available through a worldwide network of specialist Brokers, Independent Financial Advisors, or via the Plan Insurers themselves, who advertise extensively through magazines and expatriate media. Several specialist independent Brokers now have their own websites, offering multiple choices of health insurance plans. The taking of independent advice is always recommended, in order that you not only buy the right plan, but pay premiums appropriate to your new country area. Do not buy a plan without studying the policy wording carefully, particularly underwriting conditions, benefits, etc. If in doubt, ask and then complete all application forms fully, to the best of your ability. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;The Premium/Benefit Trade Off &lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
Too frequently, a potential customer or new client will look to lowest price or premium cost comparisons, before really considering the specific benefits and area of cover they may actually need. The ex-patriot client should carefully review benefits of cover offered, check out any limits to that cover and any exclusions made by the insurer. Some plans are cheaper for a reason. Often they include large voluntary deductibles on any claim you might make in future and may severely cap the benefits received under the plan. Cover limits can vary from ?50,000 total cover to as much as ?5,000,000 total cover. Any major operation in the USA or perhaps an organ transplant can soon eat up a &quot; capped cover&quot; plan. Exclusions to the policy should also be read carefully and advice taken from an independent Advisor. Our motto is for clients to &quot;define their needs&quot; first, particular Area of cover they need, then their annual healthcare insurance budget. Then, they should look to premium comparisons, last of all. &lt;br /&gt;
&lt;br /&gt;
Many new entrant expatriate Insurers are taking a much easier line on HIV and AIDS issues as well as offering chronic conditions cover, if such conditions develop during the plan lifetime. Post September 11th 2001, many expatriates are now considering the purchase of income replacement insurance, term life and kidnap insurance, or travel insurance, in addition to their Health Insurance Plans. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Underwriting Terms of Plans&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
For the individual expatriate or family there are usually only two ways to take out international medical insurance. By means of a &quot;moratorium&quot; application or a &quot;full underwriting&quot; application. It is important to understand this rather jargonised phrases as claims can be rejected if you have inappropriate underwriting. A moratorium plan means that any &quot;pre existing&quot; condition, for which you have had treatment, advice or consultation upon during the last 2,3 or even 5 years in some cases, will be EXCLUDED from cover. Should you then not have any treatment, advice or consultations for such conditions for a further two years, your insurer may add that condition to your policy. Full underwriting applications mean that all medical history questions have to be completed (not needed on a moratorium plan) and that most insurers may then exclude any particular stated condition, which they feel will lead to claims upon them. Full underwriting schemes are a little more complex as sometimes confirmation and clarification letters may be needed from your Doctor in order to have a specific condition covered under your new plan, or for that insurer to offer cover at all (E.g.; HIV or AIDS conditions cover or other long-term endemic/chronic conditions.) &lt;br /&gt;
&lt;br /&gt;
For larger groups of expatriates and large corporate plans, Insurers will frequently offer cover on a &quot;Medical History Disregarded&quot; basis, meaning that a new plan member might even be in hospital for a triple bypass, but still have that condition included in the total corporate plan. Clearly with larger numbers of people in a plan, insurers are prepared to take higher risks and offer lower premiums. Company plans can have premiums some 15% to even 40% less than individual plans, due to the larger numbers of employees and higher annual premium overall, charged by that Insurer. &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Vital Questions for the Insurance Provider&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
1. Does the plan allow for cooling off periods, cancellation and then repayment of premium in full? &lt;br /&gt;
&lt;br /&gt;
2. Does the plan offer &quot;Moratorium or is it &quot;Full underwriting&quot; and do I need to have a medical examination before joining. &lt;br /&gt;
&lt;br /&gt;
3. Does the new Insurer offer a 24 hour help line, 7 days a week, available from anywhere in the World (free phone)? Most Insurers now offer this facility &lt;br /&gt;
&lt;br /&gt;
4. Are my pre-existing conditions excluded when joining and if so, for how long are such conditions excluded? &lt;br /&gt;
&lt;br /&gt;
5. Or all and any Nationalities accepted or are there restrictions applying to local nationals? Some Insurers will only take expatriates abroad and not local nationals into an overseas plan (e.g.: - They may cover six British Nationals in Zambia, not the 100 Zambian local national employees) &lt;br /&gt;
&lt;br /&gt;
6. Does the plan allow you to continue cover unbroken through your lifetime? In most cases insurers will continue to offer existing clients cover year on year, irrespective of age or claims history. I.e.: - Once a customer, you may remain a customer, although premium rates charged can increase dramatically with old age. &lt;br /&gt;
&lt;br /&gt;
7. Does the Insurer allow for any Doctor or Consultant or Hospital within the plan? Are there any restrictions in this respect? Most international plans do not place restrictions on either hospitals or Doctors, but almost all demand that their help lines are called first prior to approval of any inpatient care. (I.e.: pre qualified claim or placing of a bond with a specific hospital by Insurance Company) &lt;br /&gt;
&lt;br /&gt;
8. Does the Insurer provide for direct settlement of bills presented by hospitals worldwide, regardless of location? (Or do I have to pay first?) &lt;br /&gt;
&lt;br /&gt;
9. What are the Insurers procedures for Outpatient claims? Do these require any pre authorization or if stated in the plan can I just pay and claim? How long before I get my money back from the Insurer? (14 days? 28 days?) &lt;br /&gt;
&lt;br /&gt;
The vast majority of expatriate health plans DO NOT exclude certain occupations as do many UK based insurance plans. Expatriate plans do however add to premiums for such as Winter Sports or diving holidays. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Nomenclature, names and Plan Titles&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
The Product Providers and Insurers delight in launching new plan names with &quot;exclusive&quot; qualities in their brand names over those of their direct competitors. However, international medical insurance plans broadly have three key components, which are in-patient or daycare treatment, outpatient treatment, and then and add-on options. &lt;br /&gt;
&lt;br /&gt;
In this way, a basic or standard plan usually includes in-patient and daycare, but no Outpatient or other cover. Comprehensive plans mostly cover outpatient in addition to the inpatient costs, often with a capped limit, whilst &quot;deluxe&quot; &quot;platinum&quot; or &quot;Premier Plus&quot; plans offer a full cover range of inpatient, daycare, outpatient with routine dental. Possibly maternity, evacuation, personal accident cover and even chronic conditions cover in certain cases. (All the bells and whistles plan) We tend to ignore the names of plans but ensure we have clear ideas of benefits specifically, capping, area of cover and any exclusions, when comparing plans against a clients requirements. For example a USA passport holder living in Paris, who never needs cover in the USA apart from the occasional holiday trip, could take Area 1 European cover, which is often half the price of full world wide cover including the USA. Area 2 is usually described as Worldwide cover excluding the USA or Canada&quot; with Area 3 being the most expensive offering global cover including the USA, all year round &lt;br /&gt;
&lt;br /&gt;
A small travel add-on option can often help with up to 30 days emergency cover in USA or Canada should such be needed. Elective care in USA can also be added for just thirty days a year too, at a substantial discount to full Area 3 cover premiums. Some Insurers now offer modular benefit packages where clients can &quot;pick and choose&quot; benefits, working out their own premiums, at the end of this mix and match. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Emergency, Evacuation and Repatriation&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
1. Does the Plan include evacuation and repatriation and mortal remains repatriation or are these benefits add on extras? &lt;br /&gt;
&lt;br /&gt;
2. What costs are included in the evacuation or repatriation cover? Some plans only cover travel costs, not accommodation; some plans only give cover one way. &lt;br /&gt;
&lt;br /&gt;
3. Does the Plan cover both your outward journey and pay for you to return from where you started? &lt;br /&gt;
&lt;br /&gt;
4. Does the plan cater for one person or can a business colleague or a family member accompany the Plan holder when travelling for treatment after evacuation? Emergency treatment when abroad can be very stressful at the best of times and being accompanied can be a huge comfort. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Outpatient Costs and General Practitioner Costs &lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
Expatriates with families and small children will know that &quot;Outpatient costs&quot; and visits to the local Doctor are usually the main cost area at home, but particularly whilst abroad. Expats in developing countries are more prone to ill health and most will have at least one or more visits to a GP during a tour of duty. You need to know that GP costs will be fully reimbursed, or that you know the level of deductible, which will be made from any and all outpatient claims. (Each and every claim or an amount, which cumulates annually) Read your Plan carefully. &lt;br /&gt;
&lt;br /&gt;
1. Many Insurers offer a limit or budget Outpatient benefits and these issues should be carefully studied in the new plan. Note any restrictions &lt;br /&gt;
&lt;br /&gt;
2. Check the wording of drugs and dressings offered to note whether &quot;Full Cover&quot; or financial limits are set in the plan. &lt;br /&gt;
&lt;br /&gt;
3. Few plans offer &quot;Elective&quot; or &quot;Well woman &quot; Well man&quot; checks. Most international plans cater for healthcare once the patient has symptoms or is ill. They do not offer preventative checks or Health Checks at the control of the client. (Some larger company plans do offer well man checks) &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Outpatient Cover, Complementary Medicine, Dental plan or Routine Maternity plan&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
If you are able to afford the premiums, Outpatient cover added to in-patient/daycare cover makes sense. In-patient care gives catastrophic cover or a hospital cost cover, but gives no cost cover if you are &quot;walking wounded&quot;. A medium range comprehensive plan may well limit the amount you may claim on the Outpatient costs, but a deluxe or fully comprehensive will give Full Cover for this benefit. &lt;br /&gt;
&lt;br /&gt;
Many plans do offer benefit for accidental damage to teeth by accident, but not routine elective dental healthcare Routine Dental treatment is mostly quoted as an optional extra, as is any option to take out routine maternity treatment. Thus, if you break a tooth you are covered but if you visit the dentist for a crown, beware, you may have to pay. Routine maternity care cover can be a valuable part of overseas family planning, yet many women and families overseas, unfortunately only contact their Broker or Insurer when already pregnant. Few Insurers will allow routine maternity costs re imbursement when a woman is pregnant actually taking out the plan. Almost all Insurers will consider an existing pregnancy as a pre-existing condition, but will cover emergency in pregnancy. If a couple have held medical insurance for one year, the Insurer may offer an option, with CO-insurance for routine maternity costs to a budget limit. Talk this over with a specialist Advisor in Expatriate Health Insurance &lt;br /&gt;
&lt;br /&gt;
More Insurers are now taking a more enlightened approach to the subject of complementary care and costs of such as chiropractioners, osteopaths, homeopaths, acupuncturists and the like. These benefits are usually severely &quot;budget capped&quot; by the Insurers, however. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Other Cost Considerations and Options &lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
With the growing range of plans available across the world, across a vast premium spectrum, several new benefit cost areas are mentioned below, which are not always available from all Insurers, but can be quoted selectively in certain Plans. &lt;br /&gt;
&lt;br /&gt;
Well Child care, well man and well woman checks, all can be quoted &lt;br /&gt;
&lt;br /&gt;
Prosthetic Appliances, can be quoted but capped &lt;br /&gt;
&lt;br /&gt;
Eyeglasses and tests quoted on many deluxe and top plans &lt;br /&gt;
&lt;br /&gt;
Crowns, dentures and bridges, routine dental quoted on top plans &lt;br /&gt;
&lt;br /&gt;
Death of Close Relative, round trip costs covered on many plans &lt;br /&gt;
&lt;br /&gt;
Treatment in USA elective or emergency usually can be quoted &lt;br /&gt;
&lt;br /&gt;
Vaccinations, quoted on some plans &lt;br /&gt;
&lt;br /&gt;
Annual Health Checks, quoted on some top plans &lt;br /&gt;
&lt;br /&gt;
Organ Transplants, AIDS and Chronic cover on some top plans &lt;br /&gt;
&lt;br /&gt;
Hazardous Sports, quoted on some plans. &lt;br /&gt;
&lt;br /&gt;
Legal Costs after accidents abroad, quoted in some plans &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Complaints&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
All Insurer Plans should clearly stipulate the complaints and disputes procedures they follow together with any Regulator. They should illustrate how you may contact the right adjudicators in their company or contact your independent Advisor for help) There are also independent Regulatory Authorities available n most Western countries, such as the UK, who can assist you with a dispute with an Insurer (who is being difficult when settling your claim) If you have bought your Plan through the offices of an independent Broker or Specialist Advisor they will almost certainly be glad to help in legitimate disputes with an Insurer. If you are right, have proper records, the Insurers will pay up. &lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Overview&lt;/span&gt; &lt;br /&gt;
&lt;br /&gt;
Generally, as with most Insurance services, you get what you pay for. Read the documentation carefully, particularly the benefits and exclusions clauses. International Medical Insurance is a complex and difficult field. Many Insurers are competing for your long-term business. They all will argue, &quot;Their Plan is Best.&quot; Certain strategic insurance considerations have been also affecting the expatriate market since the World Trade Centre disaster. Many ex-patriots are now looking for international term life and income replacement cover, as well as medical insurance. Time will tell how long term insurance growth is affected in this expanding expatriate global market place. &lt;br /&gt;
&lt;br /&gt;
If you purchase a comprehensive plan from a reputable Insurer, via an independent Broker, you are usually not disappointed. However, if you buy what is clearly a cheap cut plan, without advice, beware when trying to make a claim. (They may well have pages and pages of exclusions in the small print) &lt;br /&gt;
&lt;br /&gt;
It is also important for your budget to choose the correct geographical area of cover. Routine travel options can be taken at much less cost than full-blown USA cover, if you do not really need elective USA cover. Voluntary excesses on claims can substantially reduce premiums, as can co- insurance payments. (Sharing risk costs with the Insurer) &lt;br /&gt;
&lt;br /&gt;
In the final analysis, international expat medical insurance is best to have at your side so that &quot;you may sleep at night abroad&quot; rather than to think of ways to claim. If both parties fully understand the contract and deal in good faith, Insurers very much want to keep clients for the long term. It is always better however, to compare and study at least three packs of brochures from differing Insurers, or have a review done by an independent Broker specializing in the Healthcare Insurance field. All the material needs attention and careful reading. Understand what you are committing to, what the contract actually states, not what you may think it states (or some salesman told you) and what geographical limitations are set giving your area do cover. &lt;br /&gt;
&lt;br /&gt;
You may not need to read this contract again until the moment you need medical aid. Remember, that Brand name alone does not necessarily indicate good service, but that in 2002, many lesser-known expatriate specialist Insurers offer excellent premiums, wide benefits, good claims records and fast efficient electronic client services. Professional support teams are vital in overseas emergencies. Your Helpline card is the key to medical help and assistance 24 hours a day, whilst Overseas. Make sure that you have it to hand and that you know how to use it. With most Insurers now offering toll free global lines 24 hours a day, these vital help-lines are the first port of call, prior to any treatment being arranged, with the exception of emergencies. Establish contact as soon as you can, then let the Insurers assistance teams do the rest. &lt;br /&gt;
&lt;br /&gt;
Article Prepared By &lt;br /&gt;
&lt;br /&gt;
J Leslie Smith B Sc Econ Honours Associate IEE &lt;br /&gt;
Chairman and Managing Director &lt;br /&gt;
Medibroker International</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2630#2630</comments>
                                        <author>Anonymous</author>
                                        <pubDate>Tue Jan 03, 2006 3:51 pm</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2630#2630</guid>
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                                      <item>
                                        <title>YEMEN HEALTH CARE : Yemen Medical Guide</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2629#2629</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=-1'&gt;Anonymous&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Tue Jan 03, 2006 11:46 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;span style=&quot;color: green&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;YEMEN HEALTH CARE : Yemen Medical Guide&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
1)A yellow fever vaccination certificate is required from travellers over one year of age arriving from infected areas.&lt;br /&gt;
&lt;br /&gt;
2)Vaccination against typhoid is advised.&lt;br /&gt;
&lt;br /&gt;
3)Malaria risk, almost exclusively in the malignant falciparum form, exists throughout the year (but mainly from September through February) in the whole country below 2000m. However, there is no risk in Sana'a City. Resistance to chloroquine has been reported. Chloroquine plus proguanil is recommended.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Food &amp;amp; drink&lt;/span&gt;:&lt;br /&gt;
Where mains water is chlorinated, it may cause mild abdominal upsets; supplies in Sana’a are said to be safe. Bottled water is available and is advised for the first few weeks of the stay. Drinking water outside main cities and towns is likely to be contaminated and sterilisation is considered essential. Water used for drinking, brushing teeth or making ice should have first been boiled or otherwise sterilised. Milk is unpasteurised and should be boiled. Avoid dairy products that are likely to have been made from unboiled milk. Only eat well-cooked meat and fish, preferably served hot. Salad and mayonnaise may carry increased risk. Vegetables should be cooked and fruit peeled.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Other risks:&lt;/span&gt;&lt;br /&gt;
Cutaneous leishmaniasis exists throughout the area and visceral leishmaniasis may occur in the west of Yemen. Bilharzia (schistosomiasis) is present. Avoid swimming and paddling in fresh water; swimming pools which are well chlorinated and maintained are safe. Typhoid fever, dracunculiasis, onchocerciasis and hepatitis A occur; hepatitis B is endemic. The altitude may cause health problems.&lt;br /&gt;
Rabies is present. For those at high risk, vaccination before arrival should be considered. If you are bitten, seek medical advice without delay. &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Health care &lt;/span&gt;facilities are relatively poor, especially outside major cities. The major hospitals in Sana’a are: Al Jumhuriyya, Al Kuwait and Al Thawra. In Aden, there is the Al Jumhuriyya, the Saudi Hospital and the Refinery Hospital. Most large cities have a general hospital. There is no reciprocal health agreement with the UK. Medical insurance is essential.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-style: italic&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Source: AME info, the ultimate Middle East Business Ressource&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;color: green&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Useful contacts concerning medical care in Sana'a&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Internal Medicine Specialists&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Abbas al-Mutwakel&lt;br /&gt;
Address:Taiz Road &lt;br /&gt;
Telephone:01-246-497&lt;br /&gt;
Cellular: 717-47-963 &lt;br /&gt;
&lt;br /&gt;
• Dr. Abdul Nasser Munibari (Cardiologist)&lt;br /&gt;
Address: Zubeiry St., Near Yemenia Office&lt;br /&gt;
Telephone: 01-266-165&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Psychiatrists&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. al-Iryani&lt;br /&gt;
Telephone: 01-442-478, 465-304&lt;br /&gt;
Cellular: 73631259&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Pediatrics&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Salem Banageh&lt;br /&gt;
Address: Zubeiry Street, Beside Saba-phone Company.&lt;br /&gt;
Telephone: 01-208-885/6, 208- 886&lt;br /&gt;
&lt;br /&gt;
• Dr. Mohamed al-Shehari&lt;br /&gt;
Address: Azal Hospital &lt;br /&gt;
Telephone: 01-200-000 or 211-220/21&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
• Dr. Abdulrahman Ishak&lt;br /&gt;
Address: Hadda Road, Near British Embassy&lt;br /&gt;
Telephone:01- 440-127 or 440-130&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;General Surgeons&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Ali al-Jamra&lt;br /&gt;
Address: Yemeni-German Hospital (Hadda Rd branching off 60- Meter Rd) &lt;br /&gt;
Telephone: 01-418-000&lt;br /&gt;
Cell Phone: 71717109&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;ENT( Ear, Nose and Throat)&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Mohamed al-Khateeb&lt;br /&gt;
Address: Near Bilquis Cinema in Tarhir&lt;br /&gt;
Telephone: 01-272-581 &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Orthopedics&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Maged Amer&lt;br /&gt;
Address: Azal Hospital&lt;br /&gt;
Telephone: 01-200-000&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;&lt;br /&gt;
Neurologist&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Ali Abdul Latif&lt;br /&gt;
Address: Azal Hospital&lt;br /&gt;
Telephone: 01-200-000&lt;br /&gt;
&lt;br /&gt;
• Dr. Mohamed Mekhlafi &lt;br /&gt;
Address: Yemen-German Hospital&lt;br /&gt;
Telephone: 01-418-000, Ext 625&lt;br /&gt;
Cellular: 71900109&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Ophthalmologists&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Abdul Majeed Masood&lt;br /&gt;
Address: Intersection of Hadda Rd. &amp;amp; 60-Meter Road &lt;br /&gt;
Telephone: 01-414-741&lt;br /&gt;
&lt;br /&gt;
• Dr. Ibrahim al-Gurafi&lt;br /&gt;
Address: Near Happy Land Toy Store&lt;br /&gt;
Telephone: 01-247-842/5&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Dentists&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Mahmoud Ismail&lt;br /&gt;
Address: Marib Insurance Bldg, Zubeiri St&lt;br /&gt;
Telelephone: 01- 402-309/ 310&lt;br /&gt;
&lt;br /&gt;
• Dr. Mohamed Radman&lt;br /&gt;
Address: Zubeiri St., Above Islamic Bank &lt;br /&gt;
Telephone: 01-402-309, 202-855&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Radiologists (X-ray)&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Abdulkarim Zabedi Clinic&lt;br /&gt;
Address: Taiz Rd., Above Al-Ghazali Pharmacy&lt;br /&gt;
Telephone:01-612-162&lt;br /&gt;
Beeper 580-0807 &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Clinical Laboratories&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Dr. Mohamed Basahi (Lab)&lt;br /&gt;
Address: Hadda Rd., Near Emirate Airlines&lt;br /&gt;
Telephone: 01-263-605.&lt;br /&gt;
Cell:7333555&lt;br /&gt;
&lt;br /&gt;
• Metropolitan Lab&lt;br /&gt;
Address: Near Al-Ghazali Pharmacy&lt;br /&gt;
Telephone: 01-615-753 &lt;br /&gt;
Cell: 73776275&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Hospitals&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Yemeni-German Hospital&lt;br /&gt;
Address: Hadda Rd., Near 60-Meter Rd &lt;br /&gt;
Telephone: 01-418-000 or 418-690/1&lt;br /&gt;
&lt;br /&gt;
• Azal Specialized Hospital&lt;br /&gt;
Address: 60-Meter Rd., Close to Mathbah Vegetable Market&lt;br /&gt;
Telephone: 01-200-000/ 213-870 &lt;br /&gt;
&lt;br /&gt;
• Al-Moyad Hospital&lt;br /&gt;
Address: Airport Rd., Near Elevated Walkway&lt;br /&gt;
Telephone: 01-323-760&lt;br /&gt;
&lt;br /&gt;
• Al-Thawra Hospital&lt;br /&gt;
Address: Al-Khoulan St., Near Bab Al Yemen&lt;br /&gt;
Telephone: 01-246-966/ 246-983 &lt;br /&gt;
&lt;br /&gt;
• Military Hospital&lt;br /&gt;
Address: Bab Shaoub Area&lt;br /&gt;
Telephone: 01-222-513/4 &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Pharmacies&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Sharouk Pharmacy&lt;br /&gt;
Address: Hadda St., Near Moka Bakery&lt;br /&gt;
Telephone: 01-242-359 &lt;br /&gt;
&lt;br /&gt;
• Azal Pharmacy&lt;br /&gt;
Address: In Azal Hospital&lt;br /&gt;
Telephone: 01-275-559 &lt;br /&gt;
&lt;br /&gt;
• Al-Ghazali Pharmacy&lt;br /&gt;
Address: Taiz Rd., Across From Orphan School&lt;br /&gt;
&lt;br /&gt;
• Al-Mamoon Pharmacy&lt;br /&gt;
Address: Taiz St., Near Bab al-Yemen&lt;br /&gt;
Telephone: 01-244-974 &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Ambulances&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
• Yemeni-German Hospital&lt;br /&gt;
&lt;br /&gt;
• Azal Specialized Hospital&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-style: italic&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Source: Embassy of the United States in Yemen&lt;/span&gt;&lt;/span&gt;</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2629#2629</comments>
                                        <author>Anonymous</author>
                                        <pubDate>Tue Jan 03, 2006 11:46 am</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2629#2629</guid>
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                                        <title>YEMEN INTERNATIONAL SCHOOLS</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2628#2628</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=-1'&gt;Anonymous&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Tue Jan 03, 2006 11:29 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;span style=&quot;color: green&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;International Schools in Yemen&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;The Sana'a International School&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
The Sanaa International School is an independent, coeducational day school, which offers an educational program from prekindergarten through grade 12 for students of all nationalities. The School was founded in 1971. The school year comprises 3 terms extending from August 30 to December 19, from January 15 to March 29, and from April 8 to June 21.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Organization:&lt;/span&gt; The School is governed by a Board of Directors consisting of 3 to 7 members who are selected and appointed by a committee made up of the founders of Quality Schools International and at least one other member of the Board of Directors of Quality Schools International. An Advisory Board of 6 to 10 persons living in Sanaa assists the School in its operation. The School operates with the approval of the Yemen government.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Curriculum:&lt;/span&gt; The School offers a performance-based/mastery learning approach to education with a curriculum similar to that of U.S. public and private schools. Instruction, leading to individual mastery, takes advantage of small class sizes and the diverse educational backgrounds of the students. Instruction is in English. Arabic and French are taught as foreign languages. Arabic and German are taught as first languages to Arabic-speaking and German-speaking children respectively. The School is accredited by the Middle States Association of Colleges and Schools.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Faculty:&lt;/span&gt; In the 2005-2006 school year, there are 14 full-time and 5 part-time faculty members.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Enrollment:&lt;/span&gt; At the beginning of the 2005-2006 school year, enrollment was 160 (PS: 35, Kdg: 10, grades 1-6: 50; grades 7-8: 20; and grades 9-12: 45). &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Facilities:&lt;/span&gt; In September 1978, the School occupied a new building on a 34-acre site about 7 kilometers from the center of Sanaa. The building incorporates Yemeni architecture with a modern design and includes a library/learning center surrounded by 8 classrooms. Construction of a second new classroom building, including an auditorium/multi-purpose area (for basketball, volleyball, and badminton), was completed in the fall of 1992. The site also includes a soccer field, a softball field, an outdoor basketball court, a double tennis court, and ample playground areas. &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Finances:&lt;/span&gt; In the 2005-2006 school year, approximately 82% of the School's income derives from tuition. Annual tuition rates are as follows: PK: $2,500; Kdg.: $9,400; and grades 1-12: $12,000. An annual capital fund fee of $1,600 per student is required. There is a one-time registration fee of $l00. Bus transportation is available at a cost of $750 per year. These fees are payable in U.S. dollars. (All fees are quoted in U.S. dollars.)&lt;br /&gt;
&lt;br /&gt;
Mr. Gordon Blackie, &lt;span style=&quot;font-weight: bold&quot;&gt;Director&lt;/span&gt;&lt;br /&gt;
[url]Sanaa International School[/url]&lt;br /&gt;
Box 2002&lt;br /&gt;
Sanaa, Yemen Arab Republic&lt;br /&gt;
Tel: 967-1-370-191/2&lt;br /&gt;
Fax: 967-1-370-199&lt;br /&gt;
E-mail: &lt;a href=&quot;mailto:gordonblackie@qsi.org&quot;&gt;gordonblackie@qsi.org&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;&lt;span style=&quot;font-style: italic&quot;&gt;&lt;br /&gt;
Source :Official website of Sana'a International school &lt;a href=&quot;http://www.qsi.org/yem_home/&quot; target=&quot;_blank&quot;&gt;http://www.qsi.org/yem_home/&lt;/a&gt; &lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Sana'a British School&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
Sana’a British School is a non-profit making organization managed by a Board of Governors who are responsible to the parent body for the quality of education provided by the School.&lt;br /&gt;
&lt;br /&gt;
Members of the Board of Governors serve on a voluntary basis.&lt;br /&gt;
&lt;br /&gt;
Sana’a British School provides a quality education based on the British National Curriculum, for children of many differing backgrounds and nationalities. The aim of the School is to allow pupils to develop confidently within the core subjects of the curriculum and grow within its foundation subjects. &lt;br /&gt;
&lt;br /&gt;
These are:&lt;br /&gt;
CORE SUBJECTS: English, Mathematics, Science.&lt;br /&gt;
&lt;br /&gt;
FOUNDATION SUBJECTS: History, Geography, Information and Design Technology, Art, Music, Physical Education.&lt;br /&gt;
Also:-&lt;br /&gt;
Arabic (First and Second Language)&lt;br /&gt;
French (Modern Foreign Language to KS1, KS2, KS3)&lt;br /&gt;
&lt;br /&gt;
After-school activities include: Art, Computers, Judo, Soccer, French, Needlework, extra Arabic, Hash (children’s group) and Cookery.&lt;br /&gt;
&lt;br /&gt;
Staff are recruited from UK, all with relevant teacher training and subject qualification.&lt;br /&gt;
School structure: Nursery (Playgroups – 2yrs) to Yr 10.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;British School of Sana'a&lt;/span&gt;&lt;br /&gt;
No 18 Street 21 (off Naukshaut St)&lt;br /&gt;
PO Box 15546&lt;br /&gt;
Assafi, Sana'a&lt;br /&gt;
Tel: +967 1 - 203 950 &lt;br /&gt;
Fax: +967 2 - 106134 &lt;br /&gt;
Email: &lt;a href=&quot;mailto:sbschool@y.net.ye&quot;&gt;sbschool@y.net.ye&lt;/a&gt;  &lt;br /&gt;
website: &lt;a href=&quot;http://sanaabritishschool.com&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://sanaabritishschool.com&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-style: italic&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Source: BSME, British Schools in The Middle East&lt;/span&gt;&lt;/span&gt;</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2628#2628</comments>
                                        <author>Anonymous</author>
                                        <pubDate>Tue Jan 03, 2006 11:29 am</pubDate>
                                        <guid isPermaLink="true">http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2628#2628</guid>
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                                        <title>YEMEN EXPAT HOUSING GUIDE</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2627#2627</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=-1'&gt;Anonymous&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Tue Jan 03, 2006 10:30 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;span style=&quot;color: green&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Yemen Expat Housing Guide&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Real estate agents: &lt;/span&gt;Finding a house in Sana’a is fairly easy and usually there is a wide variety of houses available. Most houses are quite big and well maintained. Foreigners usually know to appreciate the beautiful camerias (the coloured glassworks above the windows) and the nice stucco decorations. Especially the diwan (special room for qat chewing) is considered the showroom of the house. When looking for a house it is easiest to consult a real estate agent. The estate agent will show you around in different houses. When you rent a house via the estate agent he will claim one or two months of rent from the landlord. You do not pay anything for the estate agents involvement but the negotiations on the rent you better do yourself as the estate agent has a good reason to keep the monthly rent as high as possible. Be wise and stick to the rules because some estate agents might still try and get money from you.&lt;br /&gt;
&lt;br /&gt;
Generally the landlord will ask an advance payment for 6 months or one year. Before finalising the contract it is wise to go through the house with the landlord and to note down all the fixed assets and the condition of other things that might be available in the house. Sign the list together with the landlord so as to avoid problems when leaving the house. The weak spot of most Yemeni houses it the sanitary equipment. Most toilets keep running and bathrooms often have dripping taps and show other malfunctioning. Check on these things before renting the house and agree with the landlord on who will pay for the inevitable repairs.&lt;br /&gt;
&lt;br /&gt;
One estate agent is Help-U-Lease based in Zero Street (Hadda Area) call Ahmed Muraisi (tel:416084/79902784). Often helps out embassy staff, but also knows very well where his money comes from.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Furnishing your house&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
Once you have found a house you can start furnishing. In Sana’a you will find it fairly easy to buy the things you need, provided you know to find the places. It requires a bit of time to order things and have them made. Once you have placed an order for something it is wise to follow up and check regularly whether the job really gets done. Go over to the shop and keep on asking how far they are or you may find out that nothing has really been done yet. &lt;br /&gt;
&lt;br /&gt;
If you happen to arrive at the time of Ramadan you might need extra patience and good humour. Little work will be done and if you expect delivery of something don’t be surprised if they want to deliver things after midnight. The schedule of all Yemenis will be turned from day to night-time and you will have a difficult time in getting things done. The only solution is to just relax and enjoy a different kind of life during Ramadan. Getting angry and impatient will not get you anywhere. Keep smiling but be persistent.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;For sale adds:&lt;/span&gt; Most people leaving will have some household items for sale. They will usually circulate their advertisements in their own offices (Yemenis are also keen buyers), at embassies, schools and sometimes in Shammr supermarket. Ask around as much as possible with other expats. Sana’a has a small expat community so most people will know if somebody is leaving or if items are for sale. Whenever you find an advertisement it is wise to react quickly as selling goes at fast speed here.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Furniture: &lt;/span&gt;Yemenis in general do not fill up their houses with furniture. They stick to the mafraj made of large mattresses, armrests and cushions. The ‘new rich’ and foreign educated Yemenis however have started to buy furniture and a good market for furniture is developing. The furniture available in Sana’a is generally not considered to be nice or of good quality. In recent years however a few larger furniture shops have come up (especially along Hadda Road), visit them to see whether you find anything suitable. Another street with furniture shops is the Circular Road (A continuation of UN Road with a big curve in it. This road mixes up any directions given to you).&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Curtains:&lt;/span&gt; As many houses in Sana’a have similar size windows it is sometimes possible to buy curtains second hand from people who are leaving. If you prefer to buy new ones you can visit one of the furnishing shops. Most shops have a display of material or can give you some books with samples (to be returned of course). Don’t forget to compare the prices as there are big differences in what they ask from shop to shop.&lt;br /&gt;
&lt;br /&gt;
Modern decorators (tel: 414762) is a furnishing shop on Hadda Road close to the Yemen-German hospital. They have some books with material samples to take home and help you make a choice. The prices listed are per meter, exclusive of cost for making, hooks etc. Once you order curtains they will also come and hang them. Good work but not cheap.&lt;br /&gt;
&lt;br /&gt;
Al Guthmi &amp;amp; Bin Obeid (413901/5) is another shop on Hadda Road. When driving up to Hadda you will find their shop on your right in the first block after the Medina (now Beirut street). Their shop is their display. They will sell you the material you need by meter and pass it on to the in-house guy to sew it. &lt;br /&gt;
&lt;br /&gt;
Shamsan is a shop for curtains and they closer to the city-centre You can find them on Jamal street.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;blankets and bedding:&lt;/span&gt; Blankets are on display everywhere nowadays. You will not find any woollen blankets but only the acrylic and other artificial ones in many colourful designs and sizes. You will find them along Hadda Road, close to Tahrir Square, on Jamal Street and any other road in between. Close to the Bab al Yemen  you will find the Bab-AlSalaam street where they also sell blankets.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;matresses: &lt;/span&gt;In case you need a thick mattress for your bed or just a thin one for a camping tip you can have them made upon request at the Sponge Manufacture of Mohamed Fara’a Abdo (tel: 208027 or 216088 or 210208). Their factory is in the Industrial Area between Amman Road and Zubairy. They have a variety of foam so determine first how thick your mattress should be and how heavy the quality. You can have plain foam or with a nice cover on it (better for your sheets). Their prices are negotiable and the work they do is neat.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;towels etc: &lt;/span&gt;To find nice towels was not easy in Sana’a, but choice has improved. The best place to go is the small area in Jamal Street in the direction of and close to Tahrir Square. There a few small shops are offering nice quality towels although not cheap. Another place to have a good choice is Al Jandool supermarket. They are on Hadda Road at the corner with Iran Street. Also check out the other supermarkets. &lt;br /&gt;
&lt;br /&gt;
For tea cloth the exercise is easier. Sometimes vendors at the traffic lights will offer tea towels but you will also find them in most supermarkets. The tea cloth sold in Yemen is usually very thin so you may need to stitch two together.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;mafraj: &lt;/span&gt;As the mafraj is the most used in Yemen you will have a vast choice. For the mattresses two kinds of filling exist: foam and cotton. The cotton is more appreciated by the Yemenis and more durable (the mattresses can be stuffed up again) but it is more expensive. Before ordering a mafraj you have to decide on the height of the mattresses. Some shops that offer good quality and service are: Modern Decorators on Hadda Road, close to the Yemen German hospital (see also under curtains) and Mora on Kartoum (also called Mojahid) street. As there are many manufacturers for mafraj, it is wise to inform with other people who recently bought one. A mafraj is usually made to fit in one specific room and the shopkeeper should come to your house to measure exactly. They will sell the mafraj per meter, count at least on some 11.000 YR per meter for the foam ones and be sure of a 10% price increase per year.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;carpets: &lt;/span&gt;Plenty of shops for carpets and rugs are available in Sana’a. For wall to wall carpet you can find any kind of quality from the cheap carpet good for your noisy basement till the expensive and heavy quality for your living room. Due to the vast offer it is wise to compare prices in the different shops and see whether laying and glue is included in the price. You may still need to tip the guys who put it on top of the agreed price. &lt;br /&gt;
&lt;br /&gt;
On Khartoum or Mojahid street (one of the few streets that most people know by  name) you will find a number of large shops as well as on Hadda Road. &lt;br /&gt;
&lt;br /&gt;
Al Surmi (tel: 265272 or 240380) is one of the shop on Mojahid Street with which we have good experience. They have a reasonable collection of rugs and a lot of wall to wall carpet. Their shop is big and they leave you to look around quietly. &lt;br /&gt;
&lt;br /&gt;
In the Suq al Milh (literally the salt market) you will find small carpet shops. To reach the shop in the suq you will have to go up from the Bab al Yemen into the centre of the suq and take a small alley on your left after having passed three small squares.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;kitchenware:&lt;/span&gt; Most of the kitchen ware you need can be found in the bigger supermarkets like Al Huda, Shumaila Hari, the Sana’a Trade Centre and one of the side streets from Al Mogni close to the Taj Sheba Hotel. If you need many small things it is easiest to go to Al Huda and Shumaila Hari as they offer many things like thermos cans, can openers, ice scoops, frying and other pans etc. Cheap kitchenware can also be found in the suq at the Bab al-Yemen. Most pots and pans offered here are of cheap aluminium but their choice is vast. Remember to bargain well at the suq. Prices asked sometimes triple the real value so you will have to bargain.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;electric household appliances:&lt;/span&gt; Many electric items in Yemen tend to be cheaper than in Europe. It depends a bit on the things you need where you have to go. For the smaller appliances like hairdryers, coffeemakers, toasters and mixers you could go to Artex trading in the Sana’a Trade Centre on the entrance floor. They offer almost anything you need (and you won’t need). For fridges and other large stuff go to shops on Hadda Street near the 45 M Road or to Tahrir square, East side. Other shops you will find along Algiers Street, Zubairy Street and Al Mogni Street close to Tahrir Square.</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2627#2627</comments>
                                        <author>Anonymous</author>
                                        <pubDate>Tue Jan 03, 2006 10:30 am</pubDate>
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                                        <title>FOREIGN EMBASSIES IN YEMEN Directory Guide</title>
                                        <link>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2626#2626</link>
                                        <description>&lt;br /&gt;
                                      Author: &lt;a href='http://www.alloexpat.com/yemen_expat_forum/profile.php?mode=viewprofile&amp;u=-1'&gt;Anonymous&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;
                                      Posted: Tue Jan 03, 2006 10:03 am&lt;br /&gt;&lt;br /&gt;
                                      &lt;br /&gt;&lt;br /&gt;
                                      &lt;span style=&quot;color: green&quot;&gt;&lt;span style=&quot;font-weight: bold&quot;&gt;Foreign Embassies in Yemen directory guide&lt;/span&gt;&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of China in Yemen&lt;/span&gt;&lt;br /&gt;
Al-Zubeiri Street&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: + 9671-275340&lt;br /&gt;
Fax: +9671-275341 and/or 275342&lt;br /&gt;
Email: &lt;a href=&quot;mailto:chinaem@y.net.ye&quot;&gt;chinaem@y.net.ye&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of the Czech Republic in Yemen&lt;/span&gt;&lt;br /&gt;
Near the Al Roweishan Intersection&lt;br /&gt;
Street No. 16&lt;br /&gt;
P.O.Box 2501, Political Area&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: 00967-1-440946 or 440798&lt;br /&gt;
Fax: 00967-1-440762&lt;br /&gt;
Web Site: &lt;a href=&quot;http://www.mfa.cz/sanaa&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://www.mfa.cz/sanaa&lt;/a&gt;&lt;br /&gt;
Email: &lt;a href=&quot;mailto:sanaa@embassy.mzv.cz&quot;&gt;sanaa@embassy.mzv.cz&lt;/a&gt; &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of the State of Eritrea in Yemen&lt;/span&gt;&lt;br /&gt;
Western Safia&lt;br /&gt;
Algeria Street&lt;br /&gt;
Building No. 68&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: +967-1-209-422&lt;br /&gt;
Fax: +967-1-214-088&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of Ethiopia in Yemen&lt;/span&gt;&lt;br /&gt;
Al-Hamadani St.&lt;br /&gt;
P.O. Box: 234&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: (009671) 208833&lt;br /&gt;
Fax: (009671) 213780 &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;French Embassy in Yemen&lt;/span&gt;&lt;br /&gt;
Off Khartoum St.&lt;br /&gt;
Corner Sts. 2/21&lt;br /&gt;
PO Box 1286&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: (967) 1 268 888&lt;br /&gt;
Fax: (967) 1 269 160&lt;br /&gt;
Web Site: &lt;a href=&quot;http://www.y.net.ye/ambafrancesanaa/&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://www.y.net.ye/ambafrancesanaa/&lt;/a&gt;&lt;br /&gt;
&lt;span style=&quot;font-style: italic&quot;&gt;(open from 08:00 to 13:00 except on Fridays &amp;amp; from 16:00 to 19:00 on Saturdays and Tuesdays)&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;German Embassy in Yemen&lt;/span&gt;&lt;br /&gt;
Near Hadda Road&lt;br /&gt;
Outer Ring Road&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: 967 1 41 31 74&lt;br /&gt;
Fax: 967 1 41 31 79&lt;br /&gt;
Email: &lt;a href=&quot;mailto:germembasanaa@y.net.ye&quot;&gt;germembasanaa@y.net.ye&lt;/a&gt; &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Italian Embassy in Yemen&lt;/span&gt;&lt;br /&gt;
Via Safiah Janubia&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: 96 71 269 164&lt;br /&gt;
Fax: 96 71 266 137&lt;br /&gt;
Web Site:&lt;a href=&quot;http://www.ambitaliasanaa.org.ye&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://www.ambitaliasanaa.org.ye&lt;/a&gt;&lt;br /&gt;
Email: &lt;a href=&quot;mailto:italianembassy@y.net.ye&quot;&gt;italianembassy@y.net.ye&lt;/a&gt; &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of Malaysia in Sana'a Yemen&lt;/span&gt;&lt;br /&gt;
Hadda Road (Behind Crown Suites)&lt;br /&gt;
P.O. Box 16157&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: (967-1) 415605/420965&lt;br /&gt;
Fax: (967-1) 416181&lt;br /&gt;
Email: &lt;a href=&quot;mailto:mwsanaa@y.net.ye&quot;&gt;mwsanaa@y.net.ye&lt;/a&gt;  &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Royal Netherlands Embassy in Sana'a Republic of Yemen&lt;/span&gt;&lt;br /&gt;
Off 14th of October road, near Al-Qimma Model School,&lt;br /&gt;
Hadda Residential quarter&lt;br /&gt;
(P.O. Box 463, Sana'a, Republic of Yemen)&lt;br /&gt;
Phone: 00 9671 421800&lt;br /&gt;
Fax: 00 9671 421035&lt;br /&gt;
Web Site: &lt;a href=&quot;http://www.holland.com.ye/&quot; target=&quot;_blank&quot; class=&quot;postlink&quot;&gt;http://www.holland.com.ye/&lt;/a&gt;&lt;br /&gt;
Email: &lt;a href=&quot;mailto:holland@y.net.ye&quot;&gt;holland@y.net.ye&lt;/a&gt;  &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of the Sultanate of Oman in Sana'a, Yemen&lt;/span&gt;&lt;br /&gt;
Al-Hoboob Corp. Street&lt;br /&gt;
Sub Baghdad Street&lt;br /&gt;
P.O. Box No.105&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: (009671) 208 874 to 5&lt;br /&gt;
Fax: 204 586&lt;br /&gt;
(08:00 - 13:30 Thursday to 13:00)&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;Embassy of United Arab Emirates in Sana'h, Yemen&lt;/span&gt;&lt;br /&gt;
PO BOX: 2250 Sana'h-Al Daery Al Janobi&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: +967-1-266058&lt;br /&gt;
Fax: +967-1-248779&lt;br /&gt;
Email: &lt;a href=&quot;mailto:uaeesanaa@y.net.ye&quot;&gt;uaeesanaa@y.net.ye&lt;/a&gt;  &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold&quot;&gt;U.S. Embassy in Sana'a, Republic of Yemen&lt;/span&gt;&lt;br /&gt;
Sa'awan Street, P.O. Box 22347&lt;br /&gt;
Sana'a&lt;br /&gt;
Phone: (967) 1 755-2000 Ext. 2153 or 2266&lt;br /&gt;
Fax: (967) 1 303-182&lt;br /&gt;
Web Site:[url] &lt;a href=&quot;http://yemen.usembassy.gov/[/url]&quot; target=&quot;_blank&quot;&gt;http://yemen.usembassy.gov/[/url]&lt;/a&gt;&lt;br /&gt;
 &lt;span style=&quot;font-style: italic&quot;&gt;The mission of PAO Sanaa is to support the development of democracy and economic reform in Yemen and to promote understanding of U.S. policies and values. In accomplishing this mission, PAO works closely with a wide variety of Yemeni groups and institutions, which include: Parliament, the judiciary, the media, NGOs, businessmen, scholars, and the government of Yemen.&lt;/span&gt;&lt;br /&gt;
(11:00 to 13:00 Saturday through Wednesday)</description>
                                        <comments>http://www.alloexpat.com/yemen_expat_forum/viewtopic.php?p=2626#2626</comments>
                                        <author>Anonymous</author>
                                        <pubDate>Tue Jan 03, 2006 10:03 am</pubDate>
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