Category Archives: Global Medical Insurance News

Dealing With Extreme Temperatures

When it comes to traveling to places that are either ridiculously hot or obscenely cold, even the most seasoned traveler can find himself in harm’s way. Whether you’re going on an Antarctic expedition or will be working on a farm in Ecuador, you should always prepare in advance for the weather you’re going to face and learn how to handle emergency medical situations.

So if you’re planning on spending a lot of time in any type of extreme weather, here are some tips to help you get ready writes the healthytravelbog.com

Hot Weather While travelers spending most of their time by the beach or taking short walking tours are at minimal risk for heat illness, activities that exert a lot of energy, such as strenuous hiking and biking, can have a detrimental effect on the body. Heat illnesses depend on three things: environmental conditions, intensity of exercise, and your hydration level.

Before You Go Acclimatization is key for getting your body ready to handle the heat. Exercise one to two hours a day in hot weather ten days prior to your trip. If you’re unable to do so, make sure you limit the intensity and duration of your vacation activity to 30-90 minute periods and take breaks in between. Wear lightweight, loose, and light-colored clothes to aid air circulation and optimize protection from the sun. Additionally, fluids will be vital to staying healthy and preventing illness. Be sure to drink plenty of water, sports drinks, and have salty snacks on standby. And as strange as this may sound, a good rule of thumb for monitoring your fluid needs is to check your urine volume and color; if it’s dark, you need to hydrate.

It’s also a good idea to learn about common heat disorders, such as heat exhaustion and cramps, and ways to treat them.

Cold Weather While many of us think conditions similar to Mt. Everest or the icy waters surrounding the Titanic are likely to induce cold-related injuries, environments with temperatures of around 50° F have been known to produce hypothermia — really! That said, we’ll concede that severe hypothermia is rare among travelers, and it often occurs during emergency situations, such as when someone gets lost in a storm, or if a small boat were to overturn in cold water.

Before You Go Research your destination spot and look for any travel advisories. Find out what is the best clothing and equipment required for your trip, and bring plenty of warm layers and thick socks. Avoid traveling on ice-covered roads and bridges. If you’ll be traveling near water, bring a flotation device, learn self-rescue tips, and how to right an overturned boat. The hypothermia caused by falling into cold water can leave you unable to swim within 30 minutes to an hour.

Also, familiarize yourself with how to handle cold-related injuries such as frostbite and hypothermia.

Reproduced with kind permission of healthytravelbog.com

The “silent crisis” of hepatitis in Asia-Pacific

Hepatitis may not command the same publicity as HIV or AIDS, but it kills almost as many people each year reports expathealth.org

About 1.4 million people die annually from liver cancer linked to the five types of hepatitis, according to data from the Global Burden of Disease Study. Of these deaths, over a million occur in the Asia-Pacific region.

This is three times the number of people dying from HIV/AIDS each year and eight times the number of malaria deaths in the same region.

Coalition for the Eradication of Viral Hepatitis in Asia-Pacific (CEVHAP) chair and co-founder Ding-Shinn Chen told Devex, “While malaria is rightly considered an African emergency, a silent crisis is occurring in Asia-Pacific as a result of viral hepatitis.”

Hepatitis prevention for expats and travellers

In the U.S., hepatitis A is the most common vaccine-preventable illness acquired during travel. Expats and people visiting regions where the virus is common should receive the vaccine.

The hepatitis A vaccine protects against 95% of cases and, when administered correctly, immunity lasts at least 15 years. If you are moving to Africa, the Middle East, the Indian subcontinent or South America see your doctor at least 3 weeks before travelling. The vaccine should be followed up with a booster six to 12 months after the first dose.

A vaccine also exists for hepatitis B, which is administered in two or three doses. The first two provide complete protection, with the idea of the third being to prolong protection. If you’re travelling to an area with a high rate of hepatitis B you need to see your doctor six weeks before leaving.

There is currently no vaccine for hepatitis C, though several are under development.

Chen called for reforms in addressing the killer disease in the areas of improving available resources, extending existing HIV/AIDS frameworks to viral hepatitis, and increasing access to medicines, which remains a major challenge in developing countries

Travellers’ biggest fear is “ending up in a foreign hospital”

As the British summer gets off to a disappointing start, people turn their thoughts to beaches and sunshine, with Spain still being a top destination for British holidaymakers.

According to an independent survey, British travellers’ greatest fear when venturing abroad is falling ill and having to go to a foreign hospital. The report, from telephone interpreter service, i-interpret4u, asked 2,000 holidaymakers what they were most concerned about when going abroad writes Bryony Ashcroft of expathealth.org.

The results showed the majority (83%) of respondents worry about going abroad, leaving only a small proportion seemingly at ease with the idea. While being ill and having to make use of foreign health facilities was people’s biggest worry, the second most cited fear is a lost passport, followed by losing luggage.

Thousands of pieces of luggage are lost or misplaced every year, with numbers peaking in the summer months. Always follow procedure and report a missing suitcase before you leave the airport to avoid delays with any compensation later.

No excuse for travelling without insurance

The results also showed women are almost twice as likely as men to worry about travelling abroad. The third biggest fear for women is getting mugged or attacked on holiday.

A large proportion (85%) of people don’t worry about being able to speak the language when they go abroad. This does make us wonder, if more people knew the language basics when they went abroad, would some of the fear go out of having to use foreign hospitals?

i-interpret4u Director Michael French told Wanderlust magazine, “Travellers will often think that it can’t happen to them; sadly it does and ensuring you have taken out adequate, not the cheapest travel insurance is of course important – and for less than the cost of a bottle of good wine, there’s no real excuse for travelling uncovered.”

Reproduced with kind permission of expathealth.org

Type 2 diabetes now “common” in under 40s

There has been a sharp rise in cases of type 2 diabetes in people under 40 over the past 20 years say researchers. The disease can now be considered “common” in this age group in the UK, according to a lead researcher writes .

Research by Cardiff University shows that in 1991 there were some 150 cases of the condition per 100,000 people aged under 40, which has risen by around 270% in 20 years to reach 500 cases per 100,000 people, the BBC reports.

It seems the average age at which people develop the disease is also falling: the percentage of people under 40 with the disease has risen from 5 to 12 percent.

Professor Craig Currie, of Cardiff University’s School of Medicine and leader of the research said the rise will “undoubtedly place an increasing burden on healthcare resources and result in poorer quality of life”.

He added that factors such as changes to diet, obesity and family history are factors in the rise in cases among younger adults.

According to the World Health Organisation (WHO), type 2 diabetes comprises 90 percent of the total diabetes cases around the world. It is largely the result of being overweight and not doing enough exercise.

It’s not just the UK which is affected, globally the number of diabetes 2 cases rose from 30 million in 1985 to 285 million in 2010. Changes to lifestyle, growing obesity rates and poor diets are thought to be to blame among those with a genetic predisposition to the illness.

Reproduced by kind permission of expathealth.org

What You Need Not to Do in Order to Relax on Vacation

As many people plan winter getaways, they’re dreaming of leaving the hectic day-to-day existence behind and doing some serious chilling out. A break from their frenetic lives is just what the doctor ordered. And yet, the reality is that they’ll go away and will do very little relaxing, staying just connected enough to their life “back home” that the potential recuperative power of the vacation will be lost writes John Miller of the healthtravelblog.com

Has this ever happened to you? Of course it has. We all do it. Sometimes we just flat out fail to ramp down our desire to accomplish stuff.

As always, we’re here to help. Here are some ideas that you need to leave behind in order to replenish your mind, body and soul when you’re on vacation:

  • (Do not) Maintain contact with the office. Staying up to speed with your entire workload is going to be very difficult; to do it well will require you to put in pretty much a full workday. So what’s the point of doing that? Either your colleagues will handle it, or it can wait. And don’t freak out about the email backlog that’s building. It’ll be fine. So leave the office behind.
  • (Do not) Stay indoors. If you’re like most people, you spend a lot of time indoors – in the office, at home in front of the TV, etc., tethered to electronic devices. Vacation is a chance to break away and soak up some vitamin D from the sun.
  • (Do not) Over-plan so that you squeeze in more must-see stuff. This is a big problem for a lot of folks – over-planning and cramming too much into each day. Obviously, if you’re headed to Rome for the first time there’s a lot to see, and you need to check off some of those boxes. But you’re not going to see it all, so don’t make yourself frantic. Don’t be afraid to spend the entire week without a schedule. Really. Just try it.
  • (Do not) Go with family. A family vacation is nice; an extended family vacation can be even better. Or it can be psychological warfare. It depends on your family. But even the most united of families can get on each other’s nerves over the course of a week or two. If the goal is to truly relax, think about keeping your traveling party a little more intimate.
  • (Do not) Stay home instead. Fewer vacations mean that the holidays you do take have a lot of pressure to be perfect, which in turn makes it far less likely that they’ll be perfect. Putting that kind of pressure on your vacation creates stress. So use those vacation days. It’ll make you perform better at work – happier and more productive.

Reproduced with kind permission of the healthytravelblog.com

European Union to take action over Spanish hospitals’ rejection of the EU Health Card (EHIC)

The European Commission is understood to be taking legal action against the Spanish Government over refusal of some Spanish hospitals to accept the European Health Insurance Card which provides all EU citizens to free healthcare in public hospitals across member States.

It is understood that some Spanish hospitals have been rejecting the card and have advised tourists that they must settle their medical bills personally or via their travel insurance, adding that the EHIC was not valid for treatment in Spain.

The gathering storm of H7N9 virus could be ‘one of the most lethal so far’

This Flu Virus COULD lead to the Pandemic (if human-human transmission occurs) we expected but did NOT get in 2009 from Swine Flu (if this one doesn’t we have H5N1 to worry about and a novel Corona (SARS like ) virus lurking!) writes Dr Charlie Easmon who believes that all companies should have a Pandemic FLU Contingency Plan for distribution that outlines

What is to be done at each stage of the spread of the disease in terms of:

Travel to and from certain locations (i.e. China)
What possible border restrictions may apply and when
What to do if a suspected case arises in another country (ie Afghanistan to UK)
What personal protection Measures (PEP) should be in place for which staff
where (ie masks etc)
What vaccination measures (seasonal flu vaccination and at a later stage
specific vaccination) should be in place when
What antiviral measure (ie Tamiflu) should be in place – To order Tamiflu we
need a signed letter on headed paper requesting an amount ( we will charge £70
per box but your own sources may be much cheaper)

What ADDITIONAL hygiene measures are to be put in place where (i.e. no hand
shaking, enhanced cleaning of door handles and computers etc)

For more information contact
Dr Charlie Easmon MBBS MRCP MSc Public Health DTM&H DOccMed by calling +44 (0)20 7580 5467

British Expat hit with €1,180 bill for one night in UK hospital

An Expat who paid taxes in the UK for 40 years was handed a whopping €1,180 bill for a one-night stay at a Bristol hospital. Read more at the Olive Press Spain’s No1 English daily news website

http://www.theolivepress.es/spain-news/2013/04/04/expat-hit-with-e1180-bill-for-one-night-in-nhs-hospital/

ALC Health at the Health Insurance Awards. Can we have your Vote ?

Voting for the 2013 Health Insurance Awards is now open and if you would like to recognise ALC Health at this year’s prestigious awards in the International Private Medical Insurance Individual or Group Provider categories, do please click on the red button and cast your vote

“thank you for voting, we really appreciate your support”
from everyone at ALC Health

ALC Health reports another year of record breaking iPMI growth

ALC Health (à la carte healthcare) today reported a 40% growth on individual and 35% growth on group business for 2012.

Andrew Apps, Director commented “Over the past three years we have seen a steady growth across all our target markets and with 2012 continuing to break yet more records for the company. Our boutique approach to customer service and competitive pricing structure has enabled our members to get the cover they need at an affordable price whilst enjoying the very highest level of personal service and support that has become the hallmark of ALC Health’s continued success.

2012 has been another leap forward for ALC Health and during this summer we will be adding further product options to our already flexible Prima brand of international medical insurance plans, offering even greater cover choice to both individuals and group scheme members. The past year was an exciting one for ALC Health and we are looking forward to pushing forward the boundaries even further”.