Category Archives: Global Medical Insurance News

What You Should Do If You Feel Sick After Vacation

A great holiday can leave you with lasting memories and souvenirs, not to mention fatigue or jetlag. But what if you’re feeling a little more than just tiredness and a dread of going back to work?

Most post-vacation sicknesses are mild, such as a head cold or upset stomach. But up to eight percent of travelers are sick enough to seek doctor’s care. Following an overseas trip, there are some symptoms the Centers for Disease Control says warrant a trip to your doctor advises the healthytravelblog.com

Fever
If you have a fever, chances are good that it is caused by a less serious illness. But if you have a fever within a month after you leave a country with malaria, you should see your doctor immediately. Even if you took antimalarial medicine, your fever could still be a symptom because the medicine isn’t 100 percent effective.

Malaria typically develops within 30 days, but the CDC says there are rare cases that lie dormant for a year or longer. Because of this, you should tell your doctor about any traveling you have done no matter how long ago it was.

Diarrhea
Diarrhea usually clears up within a few days. Traveler’s diarrhea is the most common illness when traveling. It’s usually caused by a bacterial infection from exposure to E. coli, Campylobacter, Shigella, or Salmonella in undercooked or raw foods, contaminated food, or contaminated water – including ice cubes!

If you are experiencing diarrhea, treat it by drinking fluids to prevent dehydration; begin a diet with simple, bland foods; and, if possible, drink a solution made with oral rehydration salts.

Most cases of traveler’s diarrhea get better within one to three days without medical treatment. But if it persists for two weeks or more, contact your doctor. Prolonged bouts of diarrhea can cause you to lose nutrients. An illness of this length is typically caused by a parasitic infection that needs to be treated with medication.

Skin Problems
Skin problems such as rashes, bug bites, fungal infections or boils, are the most common illnesses following international travel. In most cases, skin problems aren’t serious. But they could be signs of a more serious illness, especially if you also have a fever.

If you do make a visit to your doctor following a vacation, you should tell him or her about your travel. Most post-travel illnesses appear soon after a trip, but incubation periods vary, resulting in some symptoms not appearing for months to years following the initial infection. The CDC suggests providing your doctor with the following information about your trip:

What you did on your vacation
How long you were away
The accommodations you stayed in
What you ate and drank on your trip
If you were bitten by bugs
If you swam in fresh water
Any other possible sources of exposure, including tattoos and piercings

Ebola outbreak speed ‘unprecedented’ reports WHO

The World Health Organization has said the speed and extent of the Ebola outbreak in West Africa is “unprecedented”.

The WHO’s Dr Keiji Fukuda expressed concern over so-called “shadow zones”, areas which cannot be reached and where patients are not being detected.

The organisation confirmed 142 new cases of the disease had been reported since 19 August, as well as 77 deaths.

Already more people have died in this outbreak of Ebola than in any other.

At least 1,427 people have now died in the outbreak so far, with the number of cases now standing at 2,615.

Speaking at a news conference in the Liberian capital Monrovia, Dr Fukuda said combating the disease would take “several months of hard work”.

“We haven’t seen an Ebola outbreak covering towns, rural areas so quickly and over such a wide area,” he added.

Also on Friday, Nigerian authorities said that they had detected two new cases of the virus, both spouses of medical workers who had direct contact with a man who died from the virus in Nigeria after arriving from Liberia.

In Liberia on Friday, a boy of 16 shot during a protest about a quarantine died.

Shakie Kamara was one of three people seriously injured on Wednesday after security forces fired at protesters, angry after blockades were erected around the West Point slum.

SOURCE | BBC world News

Ebola Outbreak update from ALC Health

The Ebola disease outbreak which has been affecting Western Africa for the past 5 months is still not under control. It appears that local medical responses are organizing to face the crisis on the long term while neighbouring countries struggle to avoid importation of the disease into their territory.

Scepticism by some of the local population and lack of confidence in the healthcare provided to patients are complicating the crisis and creating additional challenges for medical teams (attack on a healthcare centre in Monrovia on August 18th).

On August 14th 2014, the W.H.O. “reiterated its position that the risk of transmission of Ebola virus disease during air travel remains low”(…) “WHO is therefore advising against air travel bans” (…) Nonetheless, consistent with airline guidelines, travellers should use prudent judgment in avoiding contact with any passengers who have obvious symptoms of illness.

Locally, the risk of coming into close contact with the disease or being contaminated remains low for expatriates or travellers following strict hygiene rules (cf. Ebola Outbreak Memo).

However, there is a real risk of facing the indirect consequences of the epidemic: compromised healthcare facilities and limited access to medical care, increasing restriction on air transportation options after the annulment of regular flights to the affected countries, by a number of air operators, restrictions on movements, airport screenings, and strict guidelines for the transfer of inbound patients from impacted countries.

Such measures are expected to affect all patients, including those suffering from conditions other than Ebola and will likely delay and complicate attempts at evacuation.

For all the above reasons, our emergency evacuation assistance partner recommendation remains to avoid or interrupt any travel to the affected countries for nonessential personnel. You will find in the attached memo the most recent updates and additional useful information.

Dr Cai Glushak International Medical Chief Medical Officer

Ebola – Scheduled Airlines suspended flights

A number of Scheduled Airlines have announced that they have suspended their flights to countries affected by the Ebola outbreak.
– Ai
– Arik Air [W3 / Lagos + Abuja]
– Asky [KP / Lomé]
– British Airways [BA / Londres]
– Camair
– Eagle
– Emirates [EK / Dubaï]
– Gam
– Kenya Airways [KQ / Nairobi]
Flight operations to other areas may also be affected by the Ebola Outbreak could be suspended at anytime with little or very short notice given by governments or air carriers.

Working through lunch and staying late ‘damaging employees’ health

Poor work habits like not taking a break, staying late or eating lunch at the desk are damaging the nation’s health, the Chartered Society of Physiotherapy (CSP) has warned reports Health Insurance Daily

Apoll of 2,000 employees, released for the CSP’s annual Workout at Work Day, found that 21% worked through their lunch every day.

Of those who do manage to take a break, 48% said they ate at their desk.

In addition, only 19% leave their workplace to go outside for a break and only 3% go to the gym, meaning most miss out on any kind of physical activity during the day.

Some 42% said they often had to cancel evening exercise plans because of work, while 32% said they started earlier or finished later than their contracted hours every day.

The CSP said employers should find ways to support staff to be more physically active during the working day in order to reduce their risk of developing musculoskeletal problems like back and neck pain and more serious illnesses such as cancer, heart disease and stroke.

Only 30% of workers said their employer provided any kind of exercise opportunities, such as a subsidised gym membership, a lunchtime running club, or an after work fitness class.

Prof Karen Middleton, chief executive of the CSP, said: “Full-time workers spend a significant bulk of their week at work, or travelling to and from it. Finding ways to build in time to do at least 30 minutes of moderate intensity physical activity, five times a week, can be a challenge.”

by Emily Perryman

Polio spread is an “international health emergency”

For only the second time in the its history, the World Health Organisation is calling for a global effort to contain polio outbreaks in Asia, the Middle East and Africa. In a statement this week the Organisation said the spread of the poliovirus constitutes an international health emergency.

“If unchecked, this situation could result in failure to eradicate globally one of the world’s most serious vaccine preventable diseases. It was the unanimous view of the committee that the conditions for a public health emergency of international concern have been met,” WHO said in a statement.

Polio is endemic in three countries, Nigeria, Pakistan, and Afghanistan, while it has been effectively eradicated elsewhere through vaccination programmes started in 1988. However, it is now spreading across borders due to military conflicts, and the breakdown of immunisation schemes.

WHO lists Afghanistan, Equatorial Guinea, Ethiopia, Iraq, Israel, Nigeria, and Somalia as countries at risk of exporting polio in 2014. For people travelling abroad from infected countries, WHO recommends carrying a vaccination certificate to prevent problems as other countries try to limit their risk.

In 2013 WHO recorded 417 cases of polio worldwide. For 2014, 68 cases had already been recorded by 30 April. At the end of last year 60 percent of polio cases were the result of international spread of wild poliovirus, with evidence pointing to adult travellers being the cause of this spread.

In the first half of 2014, known as the low-transmission season, polio has already been spread across international borders notably – Pakistan to Afghanistan, Cameroon to Equatorial Guinea and Syria to Iraq. WHO is calling for a greater international effort to combat these outbreaks and prevent new ones as the start of high-transmission season begins in May/June writes exapthealth.org

The polio virus typically affects children under five and can cause paralysis and death. It is usually spread via contaminated water, and around 95 percent of cases are asymptomatic, allowing the virus to spread among a community undetected. One in 200 infections leads to irreversible paralysis and five to ten percent of patients die when their respiratory muscles become immobilised. While there is no cure for polio, infection can be prevented by taking the vaccination.

Six Travel Etiquette Tips

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.

We’re at the 8th Asia Health Insurance Conference

18th-19th June 2014, Singapore

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 .

NHS cuts free care for British expats living in the EU who retire early

shutterstock_58717219The 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

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.

ALC Health appoints Managing Director to spearhead major client services and systems growth

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”.