Category Archives: ALC International Health Insurance News

ALC Health’s “Huggie” joins the MacMillan Coffee Morning at the Sunborn Yacht Gibraltar

HuggieFriday (26th) saw  St. Nummos Life Host the MacMillan Worldwide Coffee Morning at Sunborn Yacht in Gibraltar where ALC Health’s “Huggie” was raffled as one of the event charity prizes.

Dressed in his best ALC Health t-shirt, “Huggie” proved to be  popular guest and is now on his way to a new home.

Reduce your risk of Alzheimer’s disease

September is World Alzheimer’s Month, and we have learnt a lot about this debilitating disease in the last few years. Here’s what we know exactly writes expathealth.org

Alzheimer’s disease is still somewhat of a mystery, but researchers are working hard to find answers and a cure for this highly damaging condition. Around the world, an estimated 36 million people suffer from Alzheimer’s disease, a number predicted to triple by 2050 as the population ages and people live longer. The risk of getting it increase with age, especially after 65.

Alzheimer’s is the number one form of dementia. According to WHO, dementia is a “syndrome characterized by disturbance of multiple brain functions, including memory, thinking, orientation, comprehension, calculation, learning capacity, language, and judgement.

What can I do about it?

Alzheimer’s Disease International recently published a new report – Dementia and Risk Reduction: An analysis of protective and modifiable factors – examining the proven risk factors of this disease and stating the best behaviour to adopt in order to lower your risk.

Contrary to popular belief, dementia doesn’t usually run in the family. True, there are some cases in which Alzheimer’s disease has appeared in several generations, which shows that it can sometimes be inherited – this is mostly the case for people who develop it quite young (before 50).

Here are the typical symptoms of dementia. Please note that you should always consult a medical professional, and not diagnose yourself.

  • Regularly forgetting recent events, appointments, names and faces
  • Regularly misplacing items
  • Problems finding the right words
  • Confusion about time of day
  • Mood or behaviour problems, lack of confidence
  • Disorientation, especially away for familiar places and getting lost
  • Reduced judgement, such as sense of danger

In the last few years, we have discovered ways to help avoid dementia by exercising and leading a healthy life. In many cases, regular physical activity can help reduce the risk of dementia by 50%.

Also, it seems that being active and having lots of interests or hobbies is very beneficial. The Alzheimer’s Society has a few tips to help reduce the risks.

There are also treatments to slow down Alzheimer’s, but nothing yet on how to interrupt or reverse the process.

Training your brain

If if are mentally very active, you have a better chance of maintaining your cognitive and thinking skills. Training your brain can support the growth of nerve cells and increase communication between brain cells, which in turn will reduce mental decline.

You’re never too old to learn, and if you want to help reduce your risk of developing dementia, you should start new routines when you hit 40. Don’t think of it as something else to add to your schedule, but try to find things you enjoy doing. The possibilities are endless:

  • Find a hobby: start painting, carpentry, pottery or knitting for instance.
  • Play board games and do crosswords.
  • Start keeping a journal or writing a book, and read different things.
  • Do new things: try a new cooking recipe every week, meet new people, join a club or do volunteer work.
  • Always wanted to play an instrument or learn a new language? Now is the time!

And let’s face it, half of these don’t even require spare time, which means you don’t have to wait to be retired.

Here’s a list of possible brain games to do online. Diversity is the key. And remember: brain exercise is the most painless type of exercise there is!

Curry spice ‘helps brain self-heal’

A spice commonly found in curries may boost the brain’s ability to heal itself, according to a report in the journal Stem Cell Research and Therapy.

The German study suggests a compound found in turmeric could encourage the growth of nerve cells thought to be part of the brain’s repair kit.

Scientists say this work, based in rats, may pave the way for future drugs for strokes and Alzheimer’s disease.

But they say more trials are needed to see whether this applies to humans.

Source BBC News

West Africa Ebola deaths pass 3,000

The death toll from the Ebola outbreak in West Africa has passed 3,000, the World Health Organization (WHO) says.

The latest figures indicate that more than 6,500 people are believed to have been infected in the region.

Liberia is the worst affected country, having recorded around 1,830 deaths linked to the latest outbreak.

Source: BBC World News

ALC Health supports the great Macmillan coffee morning with cakes galore

IMG_090455555Yesterday saw ALC Health’s UK Head Office turn into a magical bakers shop with an amazing display of cakes and biscuits home baked by our more creative and talented colleagues as part of Macmillan’s biggest fundraising event of the year.

ALC  was delighted to be able to join thousands of other people across the UK who have been holding coffee mornings to raise money for those living with cancer by raising desperately needed funds to support the valuable work and support given by the Macmillan Trust.

Cancer is the toughest fight most of us will ever face. and as treatments improve, more and more people are living with cancer in their daily lives. The money raise at this and other events held nationwide will help make sure no one has to face cancer alone, from the moment they’re diagnosed, through treatment and beyond.

Well done to everyone involved and for helping to replace those extra pounds lost a few weeks ago.

Where to live – the 10 healthiest cities

Copenhagen makes it into CNN’s top 10 healthiest cities table.
Perhaps it is not the first thing that comes to mind when thinking of a healthy environment, but a healthy life is certainly possible when living in a metropolis. According to CNN, large cities such as New York, Singapore and even the capital of Cuba, Havana, belong in the top 10 world’s healthiest cities.

Even though basic needs such as air and water are often of lower quality in urban areas, there are other factors such as the quality of life amongst citizens, healthy habits and the city’s facilities that make them beat other (smaller) cities in the rankings.

Some of the cities on the list, which was published by CNN recently, are not much of a surprise: Vancouver has been voted the best city to live before, and a Scandinavian city such as Copenhagen is likely to have a good healthcare system.

More unexpected is the ranking of New York, a city with such a high population density and endless avenues full of noisy traffic. One of the things that made New York deserve a place on the list is the smoke (or more the fact that there is so little), as the number of smokers in the city has reduced massively the past few years due to strict anti-smoking laws.

Another interesting city on the list is Havana. With a life expectancy that is just as high as in the United States, and an infant mortality rate that is even better, it is remarkable that the Cuban government spends just 4.4% of the amount spent by the US government on health care per citizen.

Apparently the Havanian secret is prevention: an intensive vaccination program and regular free health screenings in local clinics. In addition, where people in most large cities tend to have a more individual mindset, the citizens of the Cuban capital are taught to look after each other.

The key to these results is to look further than just the health care system. Culture seems to be important: the way people behave, the way they make decisions and their habits all affect health. In Copenhagen only 2% of people work 40 hours per week. The average there is 37 hours for full time jobs, which is significantly lower than, for instance, an average of 42 hours per week in the United States. Instead, people in Copenhagen spend time with their families or join sport activities.

The world’s 10 healthiest cities according to CNN:

Copenhagen, Denmark
Okinawa, Japan
Monte Carlo, Monaco
Vancouver, Canada
Melbourne, Australia
New York, USA
Jonkoping, Sweden
Havana, Cuba
Singapore
Napa, USA

Less than a week to go to the COVER excellence awards

We’d like to say a very big thank you to everyone who has been kind enough to vote for us in this year’s COVER Excellence Awards, where we have managed to be shortlisted in no less than five separate categories.

Thank you again and as you can imagine we’re keeping everything crossed !

The staff and directors
ALC Health

Ebola death rates as high as 70% – WHO study reports

New figures suggest 70% of those infected with Ebola in West Africa have died, higher than previously reported, says the World Health Organization.

Ebola infections will treble to 20,000 by November if efforts to tackle the outbreak are not stepped up, the UN agency has warned.

In the worst case scenario, cases in two nations could reach 1.4 million in January, according to a US estimate.

Experts said the US numbers were “somewhat pessimistic”.

The world’s largest outbreak of Ebola has caused 2,800 deaths so far, mainly in Guinea, Liberia and Sierra Leone.

Outbreaks in Senegal and Nigeria were “pretty much contained”, said the WHO.

SOURCE BBC world news

Travel without insurance at your peril

Travel Summer 2014Travellers risking medical claims running into tens of thousands of pounds as a poll shows that nearly a quarter (24%) of adults who take out travel insurance would not do so if they were going on a round-the-world trip of up to six months.

ALC Health’s Prima Travel plan has been created exclusively for residents of all European Union (EU) countries regardless of nationality and where our choice of world class cover options offer not just peace of mind, but great value for money.  To find out more, visit our dedicated travel web site at www.alctravel.eu today

French health system the best for expatriate retirees

imagesThe 2014 International Living Global Retirement Index has ranked France as number one in its health care category. The study, which ranks destinations on their suitability for retired expats, praised France’s “affordable and great quality” healthcare writes of expathealth.org

The benefits highlighted in the report include the fact many doctors and healthcare professionals speak English, especially in major cities. Treatment in public facilities is available to those who pay, or used to pay, into the social security system. Fees for services in the public system are set, with the state paying around 70 percent of the costs. The remainder is paid out-of-pocket or by supplementary health insurance plans. The government may pay 100 percent of the costs related to serious illnesses.

In general, if you visit a doctor you pay the fees directly to them and are then reimbursed by the insurance company. Hospitals work on a direct reimbursement system, whereby patients only pay the portion which isn’t covered.

For non-EU citizens thinking of retiring in France, private health insurance is mandatory. Private insurance bought in France usually covers hospital fees but under some plans patients must pay the cost of doctor consultations themselves. Other plans refund 75 percent of doctor’s fees. The US embassy in France can help expat retirees find an English speaking health insurance provider, advises International Living.

The report, aimed at US expat retirees, places Uruguay second in the healthcare category. Uruguay’s cheap (compared to the US) private care and modern, high-quality facilities make it a good choice for expats.

Malaysia came in third place. A popular medical tourism destination, its modern private facilities and range of insurance options means healthcare needn’t be a drain on your budget. The report noted the majority of dentists are UK or US trained and can speak English, and prescriptions costs are a fraction of what you would pay in the States.

Regardless of where you decide to retire, healthcare provision must be a priority. If you don’t have private medical insurance then ensure you are aware of the costs you will be required to pay out of pocket.