Coronavirus (COVID-19) and travel: The situation around the world is changing dramatically. Various governments have changed their travel warnings to restrict travel during this time. To understand how this may impact cover under your policy, please go to our FAQs and select your country of residence.
For the latest travel warnings and alerts around the world, read about lockdowns and border restrictions.
You thought that lunch you ate smelt funny. Unfortunately, that thought is two hours too late, and now you're curled up in the toilet, inventing a new guttural language.
Suddenly, a new fear strikes you; you're in a foreign country, alone, and you need a hospital.
What do you need to know? What should you look out for? Here are nine tips our experts recommend when choosing the right hospital.
If you're being admitted as an emergency, or taken by ambulance, you often won't have much choice in where you go. However, if you can exercise choice, it's important to select the best hospital for you – does it have the right services (eg a CT scanner), is it clean, can the staff speak your language, etc?
Let your insurer know you have been admitted as soon as possible, to ensure you are covered for all treatments you receive. If you can let them know before you get to the hospital, they may be able to point you to the best facility in town.
Hospitals don't have the same standards of care everywhere. Depending on which country you are in, and whether you are in a big city or in a rural area, hospitals can differ greatly. Many developed countries will have a government regulation committee that will inspect all hospitals to make sure there is a minimum standard of care, while others may be completely unregulated.
Generally speaking, hospitals in developing countries have less regulation and lower standards than those in developed nations. Sub-saharan Africa is notorious for its underfunded and understaffed institutions, and parts of South America have poor legacies regarding the state of healthcare. However, Southeast Asia and the Indian subcontinent have some of the best hospitals in the world; it's all a matter of choosing the right place.
Private hospitals are generally as good as public hospitals and, in many places, often better. Private hospitals tend to have better funding and can, therefore, afford better equipment and facilities. You may also have a better chance of finding medical staff who speak English.
Public hospitals may offer a range of services that private ones don't, including intensive care units, emergency cardiac interventions and a wider range of staff for paramedical services such as physiotherapy and radiology.
As a general rule of thumb, cleanliness is a good indicator of the level of safety in a hospital. Word of mouth is also a good way of gauging a hospital's reputation. If you are covered by a reliable insurer, its emergency assistance teams should have the experience and knowledge of quality hospitals globally.
Don't be afraid to ask questions that may seem difficult – it's important that you know what is happening to you, and instead of being offended, medical staff have a duty of care to ensure you are kept up to speed with what's going on.
You will be asked for your demographic details (age, gender, next of kin etc) and your medical history. It's a good idea to carry a list of previous operations, illnesses
An emergency medical kit always comes in handy, but what you can do with one is limited. Kits should ideally contain basic painkillers, antiseptic, anti-diarrhea and rehydration preparations, bandages and plasters. Customs and prescription laws restrict the amount you can carry around with you.
For any worrying conditions, it's always best to seek expert medical advice – things can be picked up before they develop into major problems and sometimes you need a doctor to give you medications you cannot otherwise access.
If you take any medications, eg insulin, it's essential to keep an adequate supply and to keep stores in two separate bags in case one is lost. Also, if you are anaphylactic, don't forget to take adrenaline with you, and give your traveling companion instructions on how to use it. Always carry a doctor's letter to outline what medications you are taking, dosage and medical reason.
The biggest problems that travelers face is dehydration and gastro related illnesses such as traveler's diarrhea while on the road. Avoiding these can be as easy as exercising some common sense health precautions.
Dehydration is easily counteracted by drinking plenty of clean water daily and if needed, electrolytes whether a Gatorade or water-soluble form. Maintaining good personal hygiene is paramount when traveling and being vigilant about what you are choosing to eat and drink, the cleanliness of the place you are eating at whether a cafe or street food helps.
Make sure you're adequately medically insured so your bills are paid, and you'll have support to help you through your health crisis.
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