Travel Insurance | Warning to Announce All Health Problems

Travellers with health problems sometimes inadvertently, or even deliberately, neglect to declare pre-existing medical conditions when purchasing travel insurance. For those who are new to travel insurance it is a very important matter and worth taking the time to research and understand.
When you purchase travel insurance, which is often done online these days, you will be asked to declare any pre-existing medical problems. Obviously, serious conditions such as heart disease and cancer have to be declared. However, it may or may not be obvious that pre-existing medical problems also include many more common ailments and conditions such as asthma, high blood pressure, diabetes, as well as any recent investigations, diagnosis or hospital stay.
Younger people heading off on gap-year adventures or round the world trips may not think that this section applies to them because they are young and in good health. However, no matter what age the traveller the rules are the same. Declaring pre-existing medical conditions applies to everyone, no matter how healthy they may be at the time they book travel and purchase insurance. A good basic backpacker policy should also include cover for medical expenses, air ambulance and medical repatriation - but all pre-existing conditions must be declared.
The bottom line is that if you fail to declare a medical condition and then experience a medical problem related to that condition while overseas your insurance provider is very likely to refuse to cover your claim - and this could become very costly indeed. Some people may decide not to declare a condition when they purchase insurance because they fear it will make the premium too expensive, but this is false economy.
In some cases there may be an increase in the premium to purchase travel insurance to cover a pre-existing medical condition, but it is better to be honest and pay a bit more than face having to pay for hospital treatment abroad if the worst should happen. Paying a bit more for your policy and having the peace of mind of knowing you are covered is crucial, and could save you a bundle if you experience a problem. Wouldn't it also be nice to know that with insurance you have a lifeline to call if disaster strikes, and a helpful voice to reassure and guide you.

Ten Familiar Family Health Problems

Family health problems can cover a multitude of common complaints and ailments. This article is not meant to replace medical advice, and you should always seek medical advice if you are concerned about the health of your child or another family member.
Here are 10 common family health problems and ways they can be resolved.
  1. Colds, coughs and runny noses will often get better by themselves in a matter of days. Some people prefer to treat colds with painkillers and cough medicine, whilst others don't. Some people will prefer to take time off work, or school, whereas others will soldier on. There isn't really a right way to fight colds.
  2. Headaches can be caused by a number of things, such as stress, hunger, a bang on the head, or even needing to wear glasses. By finding out why your child has a headache, you can help to get rid of the headache. Perhaps a dose of painkillers is all that's needed, or maybe your child will need a trip to the opticians if the headaches occur regularly, or whilst reading or watching TV.
  3. Tummy aches can be caused by hunger or too much food, as well as for other reasons. You will want to find out what your child has eaten to establish the cause of the tummy ache.
  4. Sometimes children will feign an illness or condition in order to try and get a day off school. After a while you will be able to tell when your child is genuinely ill, and when they haven't revised for a maths test.
  5. Cuts and scrapes will need to be cleaned and dressed, but unless they are serious, they probably won't require medial attention at a hospital. By keeping a well stocked first aid kit, you will be prepared for most eventualities.

Four of Health Problems That Get Bad During the Winter

Winter brings joy to many and pain to others. There are several health conditions that are aggravated during this season. Dry weather coupled with a chilled breeze aggravates health problems like asthma, arthritis, osteoporosis, lung disease, skin dryness and breathing difficulties.
1. Asthma is a chronic lung disease that causes chest tightness, wheezing and trouble breathing. For some, the disease may be exacerbated during the winter. Cold air is often the sole culprit for triggering symptoms of the disease. The mucus blanket of the respiratory system gets thicker in the winter, thus causing problems for the affected person. When cold air enters the lungs of an asthmatic, the lungs react by releasing histamines that cause wheezing. Windows and doors that are closed in the winter prevent air circulation and lead to an increased concentration of allergens inside a room, which may trigger asthma.
2. People suffering from arthritis find it difficult to loosen up their joints and get going. Arthritis is not caused by the cold but it is affected by the cold. In winter the air pressure falls. This results in the expansion of tissues that surround the affected joints, hence putting undue pressure on the joints. Contraction of muscles due to expansion of tissue results in pain and swelling. Light exercise may provide some relief but a regular exercise program is necessary in order to prevent weight gain and maintain flexibility of joints.
3. Raynaud's disease is a condition whereby the extreme cold causes blood vessels to get narrow and blood flow to decrease. As a result, skin on the nose, toes and fingers may temporarily turn pale and bluish. Skin becomes soaring red when blood flow becomes normal. In extreme cases, Raynaud's disease may cause gangrene at the tip of the toes and fingers.