ALC Health director Andrew Apps will be jetting off this month to chair the Health Insurance Asia Conference in Singapore (17-20 June) www.healthinsurance-asia.com/speakers
After Japan, China has the second highest number of high net worth (HNW) individuals in Southeast Asia, with Forbes magazine naming 162 Chinese nationals breaking the billion dollar mark in its Forbes Billionaries 2014 list. Affluence is causing yet more population migration which is placing pressure on the medical services.
If you’ve ever travelled before (you have, right?), you’ve likely witnessed or personally experienced an encounter with an obnoxious traveller. From berated flight attendants to loud talkers to the person who reclines their seat so far back, they’re practically resting on your lap—these types of travellers are sadly not uncommon writes the healthytravelblog.com
The Golden Rule is important when you’re traveling too; travelers need to treat others as they want to be treated. In other words, be kind and remember you’re not the center of the universe.
If anything, being a polite and respectful traveler will not only make life easier for those you encounter, but it will provide you with a better traveling experience as well.
Not sure if you’re practicing the proper travel etiquette? Here’s what you should know:
Use Inside Voices The best way to judge if you’re talking too loud? Stop chatting for a minute and listen to how everyone else is talking (or not talking). Either bring your conversation down to a whisper, or match it to the volume of those around you. Appropriateness for how loud you’re allowed to be differs across cultures, especially when in a confined space such as a train or car.
Pack Lightly Although packing less is a great way to save a little money on fees, the fact that you’ll be able to get around with ease makes it simpler for yourself and those around you who would be obliged to help. Plus, this way people won’t be bumping into your bulging backpack all day long.
Don’t Stand In Front of Everything From monumental statues and paintings to entranceways and aisles, avoid making it difficult for people to walk around and/or see important attractions. If you need to have an important conversation with someone or must linger for some reason, try to move to the side.
Be Ready If you’re waiting in line for something, make sure you’re ready when you get to the front. If you’re going through airport security, for example, keep your boarding pass and personal identification in hand and take off your shoes and belt well in advance. This makes the process much faster for employees and those waiting behind you.
Understand Cultural Differences What is accepted in your home country might not be in another. From language to dress to cultural taboos, it’s important to acknowledge these differences and accept them. While you should do as much research as possible about the local culture before your trip, be respectful to others and don’t fight it if you’re told to do something differently.
Limit Mobile Technology Use Texting, talking loudly on the phone, or taking selfies while walking is a recipe for disaster—and can be an extreme annoyance to those around you. Restrain your mobile technology use in public, and you’ll not only make it a more pleasant experience for others, but you might get more out of your travels as well.
This year’s Asia Health Insurance Conference is being held at the Grand Copthorne Waterfront Hotel in Singapore and will see ALC Health Director, Andrew Apps taking on the role of Conference Chairman as well as making a key note presentation on “providing innovative high-end insurance products to the region”.
As Asia’s comprehensive Health Insurance Strategy Conference, the event brings together senior executives from private insurance, government, providers and industry experts to discuss business potential in this important market.
If you are attending the conference, and would like to set up a meeting with Andrew, do let us know and we’ll arrange a time and place .
The UK’s National Health Service (NHS) has caused a stir this week by banning Brits who retire early in the EU from accessing its free health care. This move will affect many British expats who have taken the opportunity to retire early in the sun but who rely on cheap or free care back home writes Bryony Ashcroft
The current legislation means British expatriates under state retirement age (65 for men, 60 for women) can receive free health care in countries such as France and Spain even though they are ineligible because they don’t work. The cost to European Union countries of treating these early retirees is reimbursed by the NHS.
The new rules are part of cost-cutting measures being reviewed by the NHS and will come into force on April 1, says the Department of Health.
Currently early retirees complete a S1 form before they leave the UK which entitles them, and possibly their dependents, to free care for two and a half years. To qualify for the full cover period, expats should have paid National Insurance contributions in the UK for three years prior to moving abroad.
The changes won’t affect those who currently have a valid S1 form, but once it runs out they will be required to make arrangements to cover their health care costs. As the rule is likely to come into force in April, expats who think they’re eligible are advised to fill in an S1 form now, which will enable them to have access for the next two and a half years.
The most recent figures show 2,355 residual S1 forms were issued in 2012/13, with many valid for the full 30 months.
A Department of Health spokesperson said: “We are committed to ensuring that the NHS is sustainable and fair for the British taxpayer. The changes only apply to new applications. All existing residual S1 forms will remain in place and continue to be valid until their cessation date.”
The removal of NHS care for expats will mean they will need to find other cover options such as private medical insurance to cover any expenses until they reach retirement age. This will be very costly for some, and for others with pre-existing conditions, it may be impossible to find.
The changes will only affect those who are not working but are under state retirement age and living within the EU. People who qualify for emergency care with the European Health Insurance card (EHIC) will still be able to access treatment.
Global private medical insurance provider ALC Health has announced the appointment of Stephen Godbold as the company’s new Managing Director, taking over from founder Sarah Jewell who moves into the role of Group CEO.
With a career of over 35 years across the insurance sector, Stephen has held a number of high level appointments most recently as Chief Operating Officer at Lorica Insurance Brokers where he was responsible for managing both operational and technical matters across a variety of platforms.
Joining ALC Health at a time of continued growth, Stephen will lead the development of the company’s new IT infrastructure, customer service delivery and compliance management.
Sarah Jewell, Founder and CEO comments :
“As the company continues to enjoy record growth, the importance of ensuring that our members and distribution partners continue to receive the very best customer service and support remains our number one priority.
Stephen joins an already experienced management team and brings with him an additional skill sets that will help ALC Health continue to grow as a specialist boutique iPMI provider with a reputation for delivery excellence”.
People who speak more than one language and who develop dementia tend to do so on average 4.5 years later than those who are monolingual, a new study has found writes Bryony Ashcroft.
The study, published in Neurology, the medical journal of the American Academy of Neurology, observed the same delay in illiterate patients, indicating education isn’t an explanation for the differences.
Researchers examined almost 650 dementia patients and found those who spoke two or more languages showed later onset of Alzheimer’s disease, as well as frontotemporal dementia and vascular dementia.
The benefit doesn’t extend beyond speaking two languages however, meaning speaking three or more languages doesn’t appear to further delay the onset of dementia.
The study was conducted by the University of Edinburgh and Nizam’s Institute of Medical Sciences in Hyderabad, India. This region of India is home to multiple languages, which Barbara J. King, writing for NPR, believes adds extra credibility to the results.
In the Hyderabad region there are two dominant languages, Urdu and Telugu. Hindi and English are also routinely spoken, especially at school. So people raised in Hyderabad are often bilingual, with exposure to a third, sometimes fourth, language.
This impacts on the results as the researchers explained, “In contrast to previous studies, the bilingual group was drawn from the same environment as the monolingual one and the results were therefore free from the confounding effects of immigration.”
This study is the largest to look at the bilingual effect on dementia, independent of education, sex, occupation, cardiovascular risk factors, and urban vs rural dwelling, all of which have been investigated in the past as potential factors affecting the onset of dementia.
Further research is needed to determine the mechanism which is delaying dementia, say the study authors. They suggested bilingual switching between different sounds, words, concepts, grammatical structures and social norms constituted a form of natural brain training.
Reproduced by kind permission of expathealth.org
Whether you are planning a two week vacation or a three month backpacking sojourn, packing items to maintain your health and hygiene on the road should be your first priority. Trust me, falling sick on the road without the correct remedies will put a real dampener on your holiday! We have put together a handy list of the nine essential items that should be in your luggage before you hit the road:
1. Hand sanitizer
Maintaining high levels of personal hygiene is really important when travelling, and one of the best ways to do that is to keep a bottle of hand sanitizer with you at all times. It’s unlikely that you’ll be able to wash your hands as often as you would at home and so this way you’ll at least know you have clean hands even when you can’t wash them. You can even pick up travel-friendly bottles of sanitizer so you don’t have to worry about packing a big bulky bottle – bonus!
2. High SPF sunscreen
Unfortunately, there are too many ladies out there that pack a low SPF sunscreen in the hope that they will get a tan quicker; this is not the case! The only thing that will happen if your sunscreen does not have a high enough SPF factor is you will get burnt, and it doesn’t look pretty, not to mention it has some serious consequences to your health!
3. Sterile first aid kit
It’s really important to take a comprehensive first aid kit with you. I would advise to take a first aid kit which comes with a syringe and needle so if you do need hospital treatment, you are safe in the knowledge that you have sterile equipment with you.
4. Women’s multi-vitamins
Our diet can be dramatically different when we travel, and therefore it can have a negative effect on our health. A great way to ensure that you are still getting essential nutrients is by packing a small bottle of women’s multi-vitamins.
5. Re-hydration sachets
Unfortunately, it can be quite common to contract a stomach bug when traveling. In order to combat this, one of the best products that you can take with you is rehydration sachets – these will restore your body’s salt and fluid balance; I don’t know what I would have done without these when I got sick in Thailand!
6. Fit kit
The fit kit is especially useful on longer vacations and backpacking trips; many women – myself included, do worry about their fitness levels when away from the routine of going to the gym. A great way to maintain your fitness levels is to take a FitKit with you – this has been specially designed for those that travel and so the contents come is a super small case that is the equivalent of a sunglasses case. The FitKit is basically a portable gym – it comes with a resistance tube, a jump rope, pedometer, resistance band and reflective arm band.
7. Bug spray
I never travel without a high impact bug spray – mosquitoes seem to absolutely love me, much to my annoyance! Not only is it dangerous to get bitten due to the risks of malaria and dengue fever, but bites also look so unsightly – especially if they get as big and swollen as they do on me! The bug spray that I use is one that has a high level of DEET – DEET is highly regarded as the best ingredient to prevent mosquitoes.
Before you use a DEET based product I would highly recommend doing a patch test first to see if DEET is compatible with your skin, and also seek the guidance of your doctor for the best ways to prevent getting bitten. If you are heading to an area where malaria is particularly prevalent then you will also want to pack a mosquito net and anti-malarial medication.
8. Funky sun hat
A lot of people don’t realize it, but dehydration and sun stroke are big risk factors when on the road! A fabulous (and stylish) way to minimize this risk is to pack a sun hat and wear it whenever you are out in direct sunlight. The great news is that there are some super stylish sun hat options out there so you don’t need to worry about looking ridiculous! My personal favorite is a cute straw hat with a brightly colored ribbon – there are also packable straw hat options on the market nowadays so you don’t need to worry about it getting squashed in your luggage.
9. Shewee
I’ll be the first person to admit that the bathroom facilities in many places overseas are not up to the same standard as they are at home. The best way to avoid having to sit on a filthy toilet and run the risk of contracting germs is to carry a shewee with you.
A shewee is a contraption that allows you to wee whilst standing up, so no matter how grimy the toilet is, your skin need never touch it! Having the shewee also means being able to go to the toilet outside (often more preferable than being stuck in a stinky loo) and you can stand up – much better than trying to find a spot to crouch down!
Guest Author: Emma Spires Emma is a keen traveller who has been on the road for a decade. In between sojourns she spends her time on the hunt for innovative ladies travel products to review for her site Ladies With Luggage with the aim of helping her readers have a more fun, safe and comfortable trip. She also loves to write specialised female travel packing lists – everything from a romantic weekend away to long term backpacking trips.
Reproduced by kind permission of the healthytravelbog.com
ALC Health’s Sales & Marketing Director, Andrew Apps will be a keynote speaker at both the North (Manchester, 21st November) and South (London, 19th November) AIMIP (association of international medical insurance providers) conferences being held this week in the UK. www.alchealth.com/aimip-seminars)
For frequent fliers, the announcement from the FAA ranks right up there with the greatest pronouncements in the history of man – soon, you won’t have to power down your devices as your plane takes off or lands. Yes!
Courtesy: Business2Community.com
This week, the Federal Aviation Administration released new rules expanding the use of portable electronic devices (PEDs) on planes. The change lifts the ban on use during takeoff and landing. You’ll now be able to read your tablet, listen to your music and play your games whenever you’re on the plane, whether it’s on the ground or in the air writes John Miller
You still can’t send email or text messages from your mobile phone.
As someone who reads books on an iPad, I’m happy. No, this isn’t life altering, but it always felt silly to stop reading for 20 minutes, just cuz. I figured it was their way of getting me to browse SkyMall.
We’ve all been there before. It’s day two of your trip and you have horrible food poisoning. Or you’re lobster red after the first day at the beach. As much as we plan a trip down to the last detail, we must also accept that sometimes things end up going down the tubes reports the healthtravelblog.com
While you can’t always avoid illness or injury, you can take extra safety precautions while traveling. While some health concerns are more serious than others, here are the most common ones that occur among travelers:
Gastrointestinal Problems: Affecting 20 to 60 percent of travelers, digestive issues are most common in countries where food and water hygiene are important, such as Mexico. Prior to your trip, be sure to research the local water and food safety. Contaminated water often causes traveler’s diarrhea and it can also spread diseases such as cholera, hepatitis A, and typhoid. Check to see if tap water is unsafe for drinking. Otherwise, play it safe with boiled, bottled, or chemically purified or filtered water. You should also avoid adding ice to your drinks, brushing your teeth with tap water, and even certain foods that may be contaminated, such as salads, raw fruits and veggies, and street food.
Insect Bite-Related Health Issues: Mosquitoes, flies, lice, bed bugs, and mites are all capable of spreading diseases such as malaria, dengue, yellow fever, typhus, and Lyme disease. To prevent potentially harmful bug bites, stay in an accommodation that’s air-conditioned (if possible). To keep bugs out of your room, use a bed net and hang mesh screens on doors and windows. When outside, wear insect repellent and light colored, loose fitting clothes to deter bugs. Be sure to cover up at night, since that is when mosquitoes carrying malaria are most active.
Accidents and Injuries: The best way to prevent accidents and injuries is to use common sense and take basic safety precautions. Read up on the local road and transportation safety, avoid traveling alone, and be aware of your surroundings at all times.
Sexually Transmitted Infections: Yes, this is an extremely common health risk among travelers, for, well, obvious reasons. The best way to avoid STIs? Use a condom or practice abstinence while you’re away.
Sunburn: Practice general sun safety to prevent sunburn from ruining your trip. Wear a broad-spectrum sunscreen that has an SPF of at least 15 and re-apply every two hours. Try to stay out of the sun during the middle of the day and be sure to wear a hat and light colored, loose fitting clothing.
To further protect yourself from health risks, pay a preventative visit to your doctor for any required vaccinations and/or medications, such as malaria pills.