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by KrashbandyKay…(im leaving Flickr and we are movi

The Hurdles of Travel Insurance

When going away on holiday you may be going to somewhere completely new and different from your usual day to day life.  There are new dangers and risks whether it’s the beaches of Spain or the Rainforests of the Amazon, there are many things that you may take for granted but in reality are extremely costly.

One example is the typical family holiday to Florida, water parks and theme parks are everywhere but if you or a family member were to hurt themselves and need an air ambulance back to the UK then it would cost £35,000.  Obviously no one can afford these expenses hence the necessity of travel insurance.

The trouble is that getting travel insurance is like getting any kind of insurance; you can get turned down for it.  People that get turned down for travel insurance are normally those who have pre-existing health conditions such as heart disease.  People who try applying online may be turned down simply for mentioning they have health concerns but that doesn’t mean that they are excluded from getting travel insurance, some companies may simply require extra paperwork to confirm that you are safe to travel.

There are specialist travel insurers who offer travel insurance for people with health concerns; these unfortunately come with an extended premium which can vary from only a couple of pounds for something like Asthma to a substantially larger amount for terminal cancer.  Another reason you may be turned down for travel insurance is your age, 97% of travel insurers impose upper age limits on their policies and so you may find it harder to find an insurer if you’re in your later years.

Policy holders that are 85 and older are eight times more likely to make claims on their insurance than under 35 year olds but fortunately there are specific insurers like Saga that have no age limit and also cover a large amount of health conditions too.

It’s not just the old and frail that may struggle getting travel insurance, if you plan to engage in some extreme sports there is a long list of insurers who won’t go there such as Norwich Union and Marks & Spencer.  It is important that when you apply for insurance that you disclose all the activities that you are likely to engage in so you don’t risk voiding your insurance policy.

Whilst again, there are specialist insurers available you will find that even they won’t cover some death-defying feats such as base jumping and free-style skiing.  Overall make sure you’re suitably covered for your holidays this year and you’ll save yourself a lot of hassle and money whilst having a great time!

Cork twins, Hassan and Hussein Benhaffaf, who were separated by surgeons in London’s Great Ormond Street Hospital, Arrived home to Cork on the 21st of May, just one month after the operation. The twins arrived at Cork airport in an Air Corp Casa aircraft which transported them, their parents Angie and Azzedine and sisters Malika and Iman. The CASA CN-235 is mostly used by the Irish Air Corps for maritime patrol and troop transport but is also can be converted in to an air ambulance. Made in Spain the aircraft is considered one of the most adaptable and capable transport aircraft in the world. The boys were taken to the paediatric unit at Cork University Hospital, and returned home to Carrigtwohill in Co Cork in a matter of days. An Taoiseach Brian Cowen described the boys progress as “very heart warming”. “They have been great battlers since December when they were born,” he said. “We wish them and the family well in the months and years ahead.” The progress made by the twins, who were conjoined at the chest when born, delighted the Great Ormond Street Hospital in London from which they were discharged before the flight on the Air Ambulance: “They are doing really well. They are growing constantly and at a reasonable rate. I have no concerns,” said surgeon, Edward Kiely, who led a team of specialists that operated on the boys for 14 hours. Their parents, Angie and Azzedine Benhaffaf said before the flight: “We are so relieved and so happy to announce that our little …

by KrashbandyKay…

Medical Diagnosis and Emergency Medical Services

Medical diagnosis has two different medical dictionary definitions. The first is “the detection of a disease or condition by its external symptoms or signs”. The second is “the analysis of the primary biochemical or physiological cause of a disease or condition”.

Medical diagnosis includes a wide range of tests. Combined study of such tests is the method for medical diagnostics. The conclusion obtained through medical diagnosis is diagnosis.

Emergency Medical Services:

Emergency medical services (EMS) are the services provided out-of-hospital for transportation purposes, to best care centers for patients in cases of emergency. One of the most common emergency medical services is the ambulance service.

In certain nations, people refer an EMS organization as a first aid squad, rescue squad, ambulance squad, life squad, ambulance corps, ambulance service or emergency squad. The aim of EMS is to offer treatment to those in medical urgencies or to take them to a definitive health care center.

Queen Isabella of Spain used the very first ambulance service, in the year 1487. A major reason for this ambulance service was to serve the Spanish army.

Air Ambulance Services:

Air ambulance services are the aircrafts used for emergency medical help in certain remote places, where it is difficult for an usual ambulance to reach. The crew members of air ambulance services are always ready with equipments that offer medical treatment to seriously inured or ill patients.

Certain common equipments for air ambulance services are medicines, CPR (Cardiopulmonary Resuscitation), stretchers, respirators, an ECG and a monitoring unit.

The medical squad of an air ambulance varies depending on nation, area, provider and type of air ambulance service. It contains more than one member such as a Paramedic or an Emergency Medical Technician, physician or sometimes a flight nurse.

Pilots of air ambulance service need to have a huge deal of experience in piloting, since the conditions for air ambulance aircrafts are very challenging.

Therefore, all the pilots, crew members and the aircraft of air ambulance service itself need to satisfy all the standards of safety. Sometimes, space is present for one or more passengers along with the patient in almost every air ambulance.

by US Army Korea – IMCOM

Why does my travel Insurance cost more than my Holiday?

Having worked in the Travel Insurance industry for many years I have often heard the phrase “that’s more than my holiday” when I tell someone the price of their insurance. There seems to be a general misunderstanding of why Travel Insurance is so important. A standard travel insurance policy would include cover for cancellation, emergency medical cover, hospital benefit, personal accident, baggage, money, delayed departure, missed departure and legal expenses. The two most commonly used sections of a travel insurance policy are cancellation/curtailment cover and emergency medical expenses cover. Let’s take a look at these policy benefits individually to see what they actually cover.

Cancellation and Curtailment cover

In most cases you plan and book your holiday in advance, to give you something to look forward to! At the time of booking your trip you would normally purchase your travel insurance as this would provide cancellation cover if you were unable to travel due to a covered event which would normally be if you where ill and unable to travel, had a accident or passed away before your trip, the insurance would then reimburse you for the cost of the holiday up to the policy limit. Do consider that you may have booked your holiday some time in advance and cover would apply from the time of taking out your policy.

Emergency Medical Expenses & Repatriation

This is the most important reason why you need your travel insurance. Emergency medical expenses is usually the biggest and most significant part of a travel insurance policy as it will cover for any emergency medical treatment required whilst you are on your holiday. It’s very difficult for UK residents to envisage how much medical treatment is abroad as we are fortunate to have the NHS and never have to think about how much it costs to treat a broken leg or a heart attack.

To give you an indication here are some estimates of the cost of treatment abroad which have been provided by our claims assistance company.

1 night stay on a Spanish/Turkish hospital ward = £600

1 night stay on a Spanish/Turkey ICU =  £1500

Air Ambulance from Spain = £20,000 / Canaries £25,000

Please consider if you are travelling further afield like the USA the costs will be

1 night stay on an ICU in USA = £5000+

CABG in USA = £20,000 – £50,000 CABG =heart bypass

Air Ambulance from USA = £60,000 – £70,000

As you can see there could be some serious cost’s involved.

You need to bear in mind, that 99% of people will pay their premium for their travel insurance and have a great holiday and not require their travel insurance, however no-one wants to be in the 1% that has a medical emergency, which results in the claim of more than £100, 000 you would then be grateful for paying your travel insurance premium.