As most people are well aware, travel insurance like any other insurance has standard exclusions for pre-existing conditions. In the case of travel insurance this is pre-existing medical conditions. Getting coverage for these will greatly depend on the nature of your condition, how long you have had it, what treatment you have had or are currently taking and other factors that need to be taken in to account. However, pre-existing medical conditions still seem to generate a lot of confusion among holidaymakers who are confused about what actually constitutes a pre-existing medical condition. A simple definition: “pre-existing medical condition is an injury or illness that you, your companion on your trip, or any family member upon whom the trip may depend, were seeking or receiving treatment for or had symptoms of on the day you purchased your policy, or at any time in the last two years before you purchased it”. Standard travel insurance policies exclude pre-existing medical conditions, of which each individual insurer will define, because those conditions may be a reason for you to cancel or cut short your trip. There are special travel insurances available that cover pre-existing medical conditions which often constitute an extra cover on top of the standard travel insurance policy accessed via medical screening for which an additional premium may be necessary. If you are over the age of 65, buying travel insurance may make it harder to find a reasonably priced travel insurance due to the increased chance of having pre-existing medical conditions. The same can apply to backpacker insurance for those over age 40. Regardless of the insurance you find, you need to declare to the company any ongoing medical conditions or those experienced within the last two years. There are specific situations where coverage is automatically excluded from the majority of travel insurance policies such as:* Travelling against the advice of a doctor or for the purpose of obtaining medical treatment abroad.* When you or your companion have received a terminal diagnosis. * When you are receiving or are on a waiting list for some clinical or in-patient treatment. Whatever travel insurance package you buy make sure you identify all the pre-existing medical conditions you or your traveling companions might have in order to prevent any financial risks that come with not declaring them. Think ahead. Think Smart.
Archive for August, 2013
Anyone suffering from diabetes should eat foods which have a low content of sugars, fats and salt. The following is a checklist of foods that can assist you in maintaining a healthy diet, help minimize diabetes-related illnesses as well as making it a pleasure do what we all do best–EAT.
A. List of good ‘Diabetic foods to Eat’:
Nuts such as, Pine nuts, Brazil nuts, and peanuts.
Fresh vegetables such as, broccoli, cauliflower, lettuce, onions, mushrooms, celery, cloves, etc… Leafy vegetables like, fenugreek as well as spinach may also be included in your diet.
Sea food which includes fish, salmon, prawns, mackerels, etc.
Poultry products that are high in dietary fats and healthy proteins – but keep in mind to eat these in boiled or perhaps grilled form to prevent excessive caloric intake.
Dairy products, such as low-fat milk, fat-free yogurt in addition to cottage cheese; all of these foods are higher in proteins and calcium and may be consumed by diabetics in reasonable quantities.
Fiber rich meals should be included particularly in the gestational diabetic diet plan because this assists with the right digestion of food and ensures correct bowel movement.
B. List of ‘Foods to be avoided’:
Sugar as well as glucose-containing foods aggravates diabetes and hence, they should be completely cut out from the diabetic diet plan program. Foods that contain sugar consist of jellies, jams, frozen treats, cookies, cake, tinned syrups, etc.
Fatty foods comprise of higher quantities of bad cholesterol that is dangerous for diabetic patients. It is essential to stay away from all fatty foods, for example bacon, deep-fried meats; salad dressings, for instance mayonnaise, butter, cheese, margarine, oil, egg yolk along with other high fat dairy products.
Carbohydrates that are found in breads as well as sweets increase blood sugar levels and therefore, it is essential to avoid consuming foods that contain excess starch. Certain foods to avoid if you are suffering from diabetes include cookies, white bread, rice, pizzas, and so on.
Starchy vegetables and fruit:
Certain veggies, like potatoes, yams, sweet potatoes, corn, and so on should not be eaten. On the other hand, a variety of other vegetables, including carrots, beet, beans etc should be eaten in minimal quantities. Fresh fruits to avoid while suffering from diabetes, include bananas, plums, oranges, grapefruit, strawberries, mango, custard apple, and so on.
Make Smart choices
It is helpful to adhere to these particular diabetic food checklists in order to minimize uncontrolled blood glucose levels. Diabetics should attempt to maintain their sugar levels in the normal range as much as possible. They should enjoy a balanced wholesome diet throughout the day and try to maintain a regular exercise regime.
Carbohydrates are essential for energy. It is necessary to opt for wholesome carbohydrates, like brown bread, whole wheat foods, and so on to be able to maintain that energy.
While preparing their diabetic diet plan, one should not forget to eat smaller, but more regular meals approximately every couple of hours or so to prevent feeling hungry and help maintain adequate glucose levels.
You should stay away from processed and packed foods, since they have salts as well as preservative chemicals which are not good for a healthy diet.
Fresh salads, sea food, meat dishes, soups, sandwiches made with brown or even whole wheat bread, brown rice, fruit salads, and so on are a few of the foods that can be included in the diabetic diet.
Important reminder (to always):
Seek advice from your doctor before making any significant modifications in your diet or your meal plans.