Wednesday, April 29, 2009

H1N1 Influenza TRAVEL ALERT

France to ask EU to suspend flights to Mexico - France will ask the European Union to suspend flights to Mexico as a result of spreading swine flu, Minister of Health Roselyne ... READ MORE

Swine flu prompts EU warning on travel to U.S... READ MORE

If you have plans on traveling abroad and returning to the U.S., then please allow yourself plenty of time for check-in and long enough layovers for connecting flights as I would expect extra pre-cautionary measures will be performed at passport control and customs in all European Union and U.S. airports and borders.

Combating Swine Flu: Global Citizen Insurance Offers Tips to Travelers

Over one million American businesspeople, expatriates, students studying abroad and vacationers are already in Mexico. For those travelers, the Global Citizen Insurance offers five basic tips:

Do your homework. Smart travelers should take time to understand the nature of Swine Flu, including its symptoms and transmission. (READ MORE)

Know the hospital emergency rooms in your destination. This is a step that people rarely take the time to consider, but understanding the local healthcare landscape in a city such as Mexico City can be important, especially in an emergency. As a client you have online and mobile resoureces to identify reliable emergency rooms throughout Mexico and in Mexico City neighborhoods typically frequented by U.S. visitors. You don’t want to rely on the hotel concierge for a recommendation on a good doctor or hospital.

Understand what medications are needed. Tamiflu® or Relenza® are the drugs of choice. Tamiflu is not available commercially but has been stockpiled by the government in adequate supplies and is being dispensed via large hospitals. Relenza has been commercially available in Mexico but demand may exceed supply. As a Global Citizen International Health Insurance client you have access to drug translations and interpreters via mobile device, web or 24 hour telephone asssitance.

Know the language, at least a little bit. In an emergency situation, a language barrier can be tragic. If you don’t speak the local language, have a translation tool or resource with you.
Don’t panic. The outbreak of Swine Flu has garnered international media attention. Even though the Centers for Disease Control have advised against non-essential travel to Mexico, stay informed and keep you perspective – you might not have to cancel that trip just yet. Sign up for travel alerts, they can be sent via email or SMS Text Message.

“Knowledge is the great equalizer; everyone who is traveling to Mexico City should immerse themselves in facts and not simply listen to the rumors,” said Angelo Masciantonio, director and CEO, HTH Worldwide. “There are numerous technologies and tools that will help you remain informed about the true nature of this outbreak. If a traveler does encounter swine flu or other issues while abroad, it’s critical that they receive high quality healthcare,

Remember as a Global Citizen Insurance client you have access to a global network of more than 5,000 hospitals and English-speaking doctors in 180 countries. This network includes twenty-one hospitals and 84 doctors in Mexico City alone.

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Tuesday, April 28, 2009

Airlines waive change fees amid swine flu outbreak

Multiple airlines are waiving change fees for passengers flying through Mexico because of an outbreak of swine flu but have not (yet) cancelled flights... Read More

I also found a website where you can purchase trip cancellation insurance for any reason, as long as you purchase the insurance within 10 days of paying for your ticket.

International air travelers to Phoenix to be isolated if they show signs of flu

International travelers flying into Phoenix who show influenza symptoms will be isolated, given medical masks and be checked out by local health officials and the U.S. Centers for Disease Control, airport officials said Monday.

To continue reading, go to: http://phoenix.bizjournals.com/phoenix/stories/2009/04/27/daily12.html?surround=etf

World Health Organizations Raises Swine Flu Pandemic Warning

WHO Director-General has raised the level of influenza pandemic alert from the current phase 3 to phase 4. Read the Director-General's statement
Before your panic, read the Myths and Mysteries of the Swine Flu at Live Science.
At Global Citizen Insurance we are concerned about the welfare of our clients, local community and international population. Our clients can receive up to date health profiles for any city via email, SMS text message or by calling the 24 hour worldwide assistance telephone number. Receive the most current travel warnings and health alerts for any destination in the world.
When prevention is not enough and you become ill, then you have the freedom to chose any doctor or you can choose from our SELECT International Provider community of English speaking certified doctors who can diagnose, treat your conditions and then direct bill your medical expenses. Take care of yourself, be informed and let us take reduce the financial risk of an unforeseen medical emergency.

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Friday, April 24, 2009

Americans Working Abroad

There has a been a opinion that outsourcing jobs is not good for the U.S.A. and the U.S. government is creating new taxes for companies who outsource jobs. Many companies have already reduced their outsourced operations (see article).

However, there is also an increased number of individuals working abroad. Reduced income tax, lower cost of living and added benefits make working overseas attractive. If you are interested in exploring job opportunties, then I would recommend checking out Monster.com. It is the web's largest Job research portal with millions of job postings and thousands of opportunties from small local businesses to multinational Fortune 500 giants.

Individuals seeking to work abroad have many considerations such as relocation, health, communication and adaption to culture. Many U.S. Citizens find the conveniences of daily life within the US are less attainable overseas. One of the biggest concerns is health care. The majority of the international community receive medical care through a national or socialized system. Not know the benefits and disadvantages of these medical systems can leave expatriates in unhealthy predicaments. If you are use to receiving quality medical care, then we suggest a private international health insurance policy. Our Global Citizen is very similar to a health insurance policy you would have in the U.S., but it covers you worldwide. It features:

* Doctor Office Co-Pay
* Direct billing of medical expenses when using our PPO network
* Freedom to use any doctor or hospital
* No country or residency restrictions
* Emergency medical evacuation

You can get an instant quote today or feel free to contact us for more information and personal service.

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Digital IDs Will Allow US Citizens to Clear Forign Customs Easier

For the first time, U.S. travelers flying overseas may avoid customs lines at a foreign airport by swiping a digital ID card. Read More

Advocates say this will open doors for much more..... "more of what." I hardly find Passport Control a deterent from traveling abroad or returning / visiting the USA. Will your passport picture be replaced with a digital image of your iris?

Withoug having to sacrafice a copy of your fingerprint, you can receive pre-trip information regarding customs, entry visa or city profiles for any country you are traveling to when you purchase our Global Citizen, Travel Gap and Trip Protector international health insurance policies. Call us at 800-647-4589 for your free destination profile.

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Thursday, April 23, 2009

Six places you never thought you could afford

Thanks to new flight routes, the strong U.S. dollar, and unbelievable travel sales, these exotic locations have become a lot ... Read More

My recommendation is Tahiti. I just returned with my wife and it was tropical paradise. I would recommend Moorea, an outlying island, which is tranquil, less expenisve and activities for the adveturer as well as great beaches for lounging around. Moorea is also has some of the best Pizza I have ever had and you will see numeroud little "pizza huts" along the main road that circles the island.

If you are a scuba diver or enjoy snorkeling, then there are excellent places to swim with tropical fish, sting rays, manta rays, barracuda and even sharks. If you are not PADI or NADI scuba certified, then I would recommend a quick beginners class and then purchase a travel medical insurance policy with a sports rider. Do you need more ideas for Tahati, then leave a comment for tips and advice.

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Wednesday, April 22, 2009

The Art of Translation

The Art of Translation
By Steven P. Iverson Are they even

Increasingly, companies are finding it necessary to translate
materials into other languages, either for their international efforts, or for a
changing domestic population. Because this is relatively new for American
companies, the value of a good translation has been underestimated. I often
compare translation with Advertise…nobody likes to spend the money, but it’s
clear that there is a value to it. Attitudes are changing, but one thing that is
seldom discussed is the fact that translation is an art.


If you accept that translation is an art, and not a science, you will then understand the follow-ups:

There will always be someone who doesn’t like the translation
that you’ve had done. If you think about how often you edit your English
documents before producing them, you have a feel for the effort involved in
producing a document in any language. It’s important not to get caught in
stylistic debates, but to focus on whether the translation communicates what the
English does. You never want to ask a reviewer whether they like the
translation, but whether it was clear and accurate.

There is a very real link between time and quality. If you want something done overnight, don’t expect it to be as polished as something that the translator had time to review, revise and edit.

Just because you have a native speaker does not mean that
you have a good translator. This would be similar to having an engineer write ad
copy. They’re very different skills, and just because the engineer speaks
English doesn’t mean that he has the necessary talent to write ad copy.

So, how do you get a good translation? First, you need to make sure that your
source text (usually English) is clear and accurate. To some degree, a bad
original document will result in a bad translation. If the text is unclear, a
good translator will ask you questions to clarify what you are trying to
communicate. Try to avoid using industry jargon and sports or cultural
expressions that are understood only in the United States. Remember to clearly
identify for the translator the meanings of any acronyms and trade names that
you want left in English.


Second, you need to remember that the translator cannot work in a vacuum. You need to provide background material, possibly including company information, and technical information relating to the product in question. If the translator is only working on documentation for a part of a larger piece of equipment, it helps to know how this piece fits into the whole. The advent of the Internet means that translators can now do more research on your company than ever before, and have access to more detailed information. Be sure to provide the address of your Web site for reference. Don’t forget to provide any previously translated material (both English and the foreign language) so that consistency of terminology can be maintained. At this point, you might wish to consider creation of a glossary (English – foreign language) which can be reviewed in country to make sure that the technical terminology is accurate and used throughout the document.

To help ensure the quality of the translation, be prepared to have a contact person who can answer questions that the translator might have, and be wary of a translator who does not ask questions. Either he/she knows everything about your industry, or doesn’t know enough to know what to ask! In addition to a contact for questions, consider finding someone in the company who can review the language when the translation is complete.

This reviewer should be a native speaker with technical product knowledge. Be very clear about expectations, and stress that you are not looking for a stylistic review, but just to see if the translation communicates clearly and accurately the information contained in the English. Be prepared to provide him/her with a copy of the English as well as the foreign language. Since this step tends to be problematic, here are some hints:

Be clear about whether you want to have your reviewer contact the translator directly with comments. Discuss whether the reviewer should make comments on the hard copy, or directly in the electronic file.

Be very clear about your timeframe. Since your reviewer may be doing this in addition to regular job duties, be realistic but firm. Sometimes it’s helpful to point out that you have a firm deadline and that you have to proceed with or without feedback. Obviously, though, it makes sense to work with the timeframe to be able to validate the translation.

Be prepared to deal with questions regarding the quality of the translation. As I
said earlier, don’t get drawn into a debate of style. Keep the discussion at a
communication level, and the process should go smoothly. There are many other practical tips, but these will help get you on the right path to quality translation.

The state of the industry. As I see it, there are three main topics which have changed the way the translation industry works: the Internet, translation software, and translation memory.

The Internet has caused many dramatic changes in many industries. For the translation industry, it means that we can market to clients worldwide, work with translators anywhere to get the best quality (and price!), and deliver projects with lightning speed. In addition, the availability of company Web sites in any language provides great reference material for terminology. Online dictionaries mean that you should now be getting the most technically accurate translations ever!

Translation software is still in the development stages. Translation software is the
software that allows you to provide an English electronic file, and have the
computer generate a rough translation using pre-defined dictionaries. Once it’s
done, you need to do a fair amount of editing and proofreading. An estimate is
that the best translation software provides a translation that is only 85%
accurate. Because the human brain is so intuitive, it has been hard to create a
computer program to match. In the next 5 – 10 years, we will see dramatic
improvements in the accuracy of translation software.

Finally, the use of translation memory has again changed the way the translation industry works. Before the arrival of this software, translators created glossaries and relied on memory to make sure that terminology and style were consistent throughout a single document, and across a number of documents. There was no way to account for repeat English text, other than to re-translate it whenever it appeared.
Translation memory allows you to create a database of material that has been
translated, so that each English sentence has a foreign language equivalent, and
avoids the need to re-translate. The benefit to the client is that if they make
an effort to be consistent in their writing, they can save money, improve
quality and consistency and reduce turnaround times.

What to do? How can you make sure that you are getting the best translation?
Pick your translation provider carefully, and decide whether you want to work with a translation company, or an individual translator; Start with clear English text, develop glossaries, provide reference and have someone review the language;
Investigate the possibility of using translation memory for your projects. While it is not appropriate for every client and every project, it can often provide unanticipated benefits.

© 2003, Iverson Language Associates, Inc.


Steven P. Iverson is President/CEO of Iverson Language Associates,
Inc
., a Milwaukee-based company that provides strategic solutions for managing document translation.

For more information, please visitwww.iversonlang.com.

Culture Shock Myths

April 22, 2009. Government Warning Issued for South Africa

SOURCE: Air Security International

On 21 April 2009 the U.S. Consulate General in Durban issued the following Warden Message: "This warden message is being issued to inform American citizens traveling throughout KwaZulu-Natal Province (KZN) of potential political violence during and immediately following the South African elections on April 22. Specialized South Africa Government security units have been deployed throughout KZN to monitor the security situation. Election officials are confident that the early deployment of 23,000 police officials will ensure that the election proceeds without any major incidents."

"American citizens should consult local officials and media for updates on the situation in KZN during the elections. The Consulate General recommends that any American citizen travelling through rural parts of KZN exercise caution. Known trouble spots include:"

"Nongoma, Pongola, Eshowe, Umlazi, Macambini, Escourt, Ladysmith, Bergville, Greytown, Mahlabathini, Ulundi, KwaGamalakhe, Jozini, KwaDukuza, uMsinga."

"Recent flooding in the Nongoma/Ulundi area may also disrupt voting as damage to polling stations may force voters to travel out of their voting districts. ..."

Delta posts loss, adds international bag fee


Struggling against a global falloff in travel, Delta Air Lines announced Tuesday that it would start charging passengers $50 ... Read More from USA Today

It is possible to be a successful airline at the benefit of and not the expense of the passenger? Apparently not! Ancillary airline charges continue to increase as the amount of travel has decreased. I've never worked for the airline industry but I would figure there other creative ways to efficiently increase your "bottom line" without the expense of your customer. I remember enjoying traveling by plane, but now I do not look forward to the poor customer attitudes, the needless (and useless) security procedures (do I really need to take off my flip flops and put them through the x-ray machine?) and the new and ever increasing fees. Most of which I have no idea what they are for.

At Global Citizen Insurance we believe you must know your client in order to succeed. We believe each traveler, expatriate and multinational organization is unique and we listen to our client's needs and then provide the best priced international health and life insurance. It's rare we don't have solution, but on the occasion, then we are glad to refer our clients to a company that can meet their needs. Call and let one of our highly trained agents listen to you!

Monday, April 20, 2009

Convenient Policy Payments




Global Citizen Insurance.com makes paying for your Global Citizen international health insurance policy convenient. You can choose to pay by check, credit card or bank draft on a month to month, quarterly, semi-annual or annual basis. Visa, Master Card, American Express and Discover credit cards are accepted.
See Page 7 on the Global Citizen Application for payment information or call us at (800) 647-4589 or email us at health@GlobalCitizenInsurance.com for personal service.

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Friday, April 17, 2009

Unlimited calls to landlines with Skype – any time, day or night No long-term contract.


I use SKYPE to correspond with my clients, associates and friends and it works great.

Call any time of day, any day of the week without the need for a long term contract. You can choose a subscription to call a country that’s different from the one you live in. Also, you can make calls using your subscription from any other country - great for when you’re traveling.


Use SKYPE on your PC, MAC and Iphone.


Special Offer: Purchase a 12-month subscription before May 6, 2009 and get 25% off. Click here for Unlimited calls to landlines with Skype – any time, day or night. No long-term contract


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Ten amazing adventures under $1,000


Imagine coming face-to-face with wild gorillas, rafting down the Yampa River, learning to whitewater kayak, or tracking wolves ... READ MORE from USA Today

My favorite tour would be the hiking, biking and surfing Costa Rica. Surfing has been a favorite hobby of mine and I've dreamed of riding the sandy beach breaks of Costa Rica. For the brave adventurer who wants to zip line through dense forest, summit secluded peaks or streak down hills on mountain bikes we recommend hazardous sports coverage which covers injuries from hazardous or thrill seeking sports.

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Thursday, April 16, 2009

Insurance for Amateur Athletes

We currently provide health insurance for international students attending a tennis academy in California. Students from all over the world come to this school and train to become professional tennis players. Recently a young student from Kazakhstan injured her knee and required highly talented physicians to treat her possible career ending injury.

I'm glad to say, she is nearly fully recovered. Her $57,000 medical bill was covered by her insurance. All she had to pay was her co-insurance. We don't want to see our clients in the hospital, but when they do, we wish for a quick recovery and assist in making sure any eligible medical expenses are covered and paid efficiently. For more information regarding international health insurance for foreign visitors and health insurance for sports, visit http://www.overseashealth.com/

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Very obese fliers on United may have to buy 2nd seat


United Airlines is requiring extremely obese passengers who can't fit in their seats to pay for a second seat when there is no ... View article from USA Today

But apparently United is not the only airline with this policy. Continental Airlines, American Airlines Delta Air Lines and Southwest Airlines all have similar policies.

HERE IS AN IDEA.... How about airlines making seats to accommodate the average size traveler. With limited leg, shoulder and hip room along with not being able to stand up and move without being steamrolled by a beverage cart, I think the airlines has a responsibility to keep their passengers healthy while in transit. Cases of Deep Vein Thrombosis due to the lack of blood circulation and blood cots is on the rise for frequent airline travelers. Airline safety is more than just landing the plane and for the cost of tickets and checked luggage, you would think all passengers could fly in comfort and be assured their luggage is handled with care. In the meantime I recommend Seat Guru to help you find the least of the worst seats.

President Barack Obama called Thursday for the U.S. to move swiftly to a system of high-speed rail travel View article...
This might be the best suggestion Obama has had so far. Interstate travelers would not be at the mercy of airlines for high speed travel. Just about any other industrialized country has a high speed train system. If you are traveling abroad and wondering about the cost and availability of local and national transportation or if you just want to familiarize yourself with your destination, then you receive free country and city profiles as a Global Citizen Insurance customer. Find out transportation, health and security issues before you depart.

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Wednesday, April 15, 2009

Switzerland - An Economic Powerhouse???

SWITZERLAND

For a country that is ranked 141st in the world in terms of size, Switzerland is an economic powerhouse. It ranked 21st in both imports and exports in 2007, and was second in the world in competitiveness in the most recent Global Competitiveness Report from the World Economic Forum. Switzerland has very low unemployment, and a per capita GDP that is larger than the big Western European economies. If this sounds like a country you'd like to do business with, here are two good sites to visit. Read More...

Swiss Statistics This is a solid research site with lots of useful statistics about the Swiss economy, population, and industries. There are also links to statistics sites for Europe and the world. Click on "Topics" and you'll see what's available.

Infonautics Directory of Switzerland This site is a good place to visit if you want information about Swiss companies. You can search by industry, product, or alphabetical listing. You'll find contact information, including the chief executive's name, for each listing. There is also a search function for Swiss hotels, and a page with useful links.

You'll also find plenty of good research at the Switzerland Mini Portal (http://fita.org/countries/ch.html), a feature of the FITA Web site. The Switzerland Mini Portal has an overview of Switzerland, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Switzerland.

If you are planning on traveling to Switzerland for business or trade or if you have international human resources than contact us by email at info@globalcitizeninsurance.com or by telephone at 800-647-4589 or 480-821-9052 for information regarding our international health insurance and group benefit plans for multinational corporations.

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Tuesday, April 14, 2009

Spiritual Tours and Mission Trips

Mission trips, volunteer tourism and spiritual tours are a great way to spend your vacation. Wither you are visiting Egypt as an ancient sacred homeland or spending your summer vacation on a humanitarian, eco-tourism or mission trip, people are planning their time off with the intention of more than just relaxing on the beach. While the world economic crisis forces many consumers to change spending habits, at least one of Italy's tourism sectors has boomed... read more. Vacations or tourism with a purpose is not new and many churches and religious mission organizations organize trips for individuals and groups who want to spend a couple days, weeks or even months helping people who are in need of basic food and shelter as well as spiritual nourishment. I can't of think of a better way of spending some of your personal time helping others abroad.

Eco-tourism is becoming very popular as citizens of the world are becoming more aware of the dwindling precious resources. What might be in abundance today could be extinct by the end of our generation. Animal species, fauna, flora and many other natural wonders are becoming destinations and people are traveling with an eco-friendly conscience investigating new ways of transportation and lodging that leave a smaller carbon footprint.

When planning your next mission trip, spiritual tour or eco-tour, check out our international health insurance for volunteers and individuals needing global, local and affordable coverage. Call us for references as we provide over 400 humanitarian and mission organizations with international health insurance.

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Monday, April 13, 2009

U.S. saw record number of visitors in 2008

"A record number of foreigners visited the USA in 2008, thanks largely to an increasing number of Mexicans and Canadians on vacations or business trips, according to government reports. " Read more at USA Today

The article further states the U.S. Chamber of Commerce and U.S. Travel Association say some Europeans, Asians, South Americans and Middle Easterners avoid flying to the US due to the difficulty in obtaining a Visa. We have client's contact us purchasing affordable visitors insurance because financial responsibility of the host is required to pay for any medical expenses. In addition to the security measures, it all adds up to a lot of red tape for the foreign visitor and US host. Does the measures increase our country's security? I don't know, but what i do know is the health insurance requirement reduces the cost of doctors, hospitals, local and federal government having to pay for incurred expenses of non-US Citizens temporarily in the U.S.

Is you, a family member or colleague is visiting the US, then we recommend taking a look at one of our affordable health insurance plans for visitors or immigrants. Check out our Atlas or Inbound Immigrant plan for visitors and our Amigo short term health insurance and Citizen Secure policies for foreign nationals residing or immigrating to the U.S. http://www.immigrationhealth.com/ or http://www.overseashealth.com/.

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Friday, April 10, 2009

Misconception #6 about COBRA

From Kiplinger

“Misconception #6: You can receive the COBRA subsidy the entire time you're covered by COBRA.

Federal law requires most companies with 20 or more employees to let former employees keep group health-insurance coverage for up to 18 months after they leave their jobs. But the 65% COBRA subsidy lasts for only nine months. After that, the premiums will jump back to the full price - and the average employer health-insurance plan costs $12,680 per year for family coverage, according to the Kaiser Family Foundation.

…. And COBRA does not apply if the company stops offering health coverage to current employees or shuts down entirely.”

So the average family would still have to pay $6,498.52 per year for COBRA and it is only valid for 18 months. Read more about COBRA

If you want an affordable option to COBRA or will be receiving Medicare benefits within the next year or want a more affordable health insurance, then consider short term health insurance. You can save 20 - 50% for up to 12 months of major medical coverage. Visit http://www.bestshorttermplan.com/ for more information.

If you are like and located in the US, then you know how fragile the US economy is. Many US Citizens are investigating offshore investments and even relocating outside the US to protect their bank accounts and assets from the unavoidable tax increase, especially family making over $250,000.00. If you are considering relocating or retiring abroad, then visit our website for more information on international health insurance. Many people are pleasantly surprised to find our Global Citizen International Health Insurance is less expensive than traditional or domestic policies and it costs less money out of pocket for medical expenses incurred abroad.

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Wednesday, April 1, 2009

International Medical Assistance in Action - Case Study

Location: Nha Trang, Vietnam, a popular beach town approximately 300 miles north of
Ho Chi Minh City. Travel time by bus is approximately 12 hours.

Insured was on honeymoon, having traveled from Washington, DC.

Product Purchased: TravelGap Excursion

Medical Situation: After vomiting and experiencing severe abdominal pain, member seeks treatment on his own at a local clinic in Nha Trang. The doctor recommends surgery at an
inpatient facility in Ho Chi Minh City. The member had a pre-existing medical
condition. Member calls the 24 hour assistance number for help.

Diagnosis: Perforated Duodenal Ulcer requiring immediate surgery, along with related
medical problems.

Action Plan: Given the patient's medical history, the critical medical condition, and the lack of
appropriate medical facilities in Nha Trang and Ho Chi Minh City, the assistance team arranges to transport the patient via air ambulance to Bangkok, Thailand to be treated by a U.S. Board certified Gastroenterologist affiliated with Bumrungrad Hospital, an internationally recognized medical facility, operated by a U.S. based company.

The air ambulance flight needed to be carefully orchestrated since the air strip in Nha Trang is open only from sunrise to sunset. Special approval to keep the airport open after dark was coordinated through the US consulate in Ho Chi Minh City. The air ambulance arrived in Nha Trang within 24 hours of initial notification.

Hospital Discharge: Once the patient was considered fit to fly, paid travel arrangements for the return trip to the U.S. was made to continue treatment. Doctors advised that a non-medical escort would be appropriate, and the spouse’s transportation costs were covered.


Medical services in Vietnam: $1,788.00
Air ambulance evacuation to Bangkok: $45,000.00
Medical services to Thailand $28,523.00
Patient and non-medical escort $11,232.00
Total Incurred Expenses $86,543.00
Premium paid for TravelGap® Excursion $23.00