Wednesday, August 3, 2011

New statistics reveal mesothelioma more prevalent in UK than United States

Great Britain’s Health and Safety Executive has finally released the shocking statistics behind the country’s rate of mesothelioma incidence.  Mesothelioma is a rare and terminal cancer of the protective lining of the body’s major organs and cavities that is caused almost exclusively by prolonged asbestos exposure.  According to the newly released figures, at least 5,000 deaths from mesothelioma a year are expected by 2015.  This is surprisingly higher than the numbers released by Washington, D.C., placing the number of cases of malignant mesothelioma cases detected each year in the U.S. at 3,000.

According to U.K. experts almost every building erected in the country prior to 1999 will have used asbestos in its construction.  This means that even the simplest renovation or repair projects can lead to the creation of a potentially hazardous situation.  Whenever asbestos-containing materials are disturbed, they are likely to release microscopic, carcinogenic asbestos fibers into the air.  These fibers can then be inhaled by anyone in the vicinity, ultimately lodging in the lungs and contributing to the development of pleural mesothelioma – which affects the lining of the lungs – over several decades.

Two of the names most closely linked to the tragedy of mesothelioma in Britain, are those of Chris and Mick Knighton.  Mick was exposed to asbestos while in the Royal Navy.  “The helmet he was first issued with as a gunner and the gauntlets given to him were all made of asbestos,” says Chris, Mick’s widow. “When the Navy realized all the ships were riddled with asbestos, they had them refitted, but the crews helped rip out the piping and bits which were to be removed.  They didn’t wear the proper ­protective clothing, they just got on with the job and many, many of them in effect condemned themselves to death in the process.  While the Royal Navy freely admits this is where Mick was exposed to asbestos and that it led to his developing mesothelioma, no one can sue the Crown, so he wasn’t entitled to any compensation.”

Since Mick’s death of naval-related mesothelioma ten years ago at the age of 60, Chris has managed to raise £1million for the Mick Knighton Mesothelioma Research Fund.

This entry was posted on Monday, August 1st, 2011 at 9:42 am and is filed under News.


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Travel Insurance - How To Get The Best Value Travel Insurance

Rega’s Challengers

Rega jetRega recently completed a 96-month overhaul of its fleet of Challenger CL604 fixed-wing aircraft, including an update of the onboard medical equipment and new exterior paintwork. After eight years of performing repatriation flights, the three ambulance jets were required to undergo comprehensive checks and maintenance work. This major overhaul was completed according to plan within just four weeks per aircraft and without operations being substantially restricted.
The company has staked its claim as the first rescue organisation to use the new Propaq MD, which integrates a multi-parameter monitor with a defibrillator and heart pacer, and was specially developed for air medical operations. The planes also benefit from new suction units from Laerdal.
On the rotary-wing fleet, all portable first-aid material and equipment carried onboard each helicopter is now distributed among three rucksacks, comprising a basic module (including an oxygen cylinder), an airway module and a recovery module. Depending on the type of mission, these bags can be combined as required. This modular system has also resulted in a reduction in weight. The new patient stretcher is two metres long, an important adaptation to cater for an ever-taller patient population. The latest improvements made to the stretcher and the new ‘Jungfrau’ recovery bag model, with its integrated patient safety system, serve to increase patient safety during rescue missions. Other updates are the new Conoxia carbon oxygen cylinders, which have half the weight and twice the capacity of previous models, and Medumat Transport ventilators.

Tuesday, August 2, 2011

Imported dengue cases

MosquitoThe UK’s Health Protection Agency (HPA) has released new figures that show the number of UK travellers found to be suffering from dengue fever has more than doubled in the past year. In 2009, there were 166 cases of imported dengue fever among travellers, while in 2010 the number rose to 406. Of the total number of cases reported in the UK, the highest proportion was associated with people who had travelled to India, with 21 per cent of the cases, and a further 15 per cent of cases were in people who had been travelling in Thailand.
Other figures from the HPA also show an increase in the number of cases of chikungunya virus being seen in the UK – 79 cases were reported in 2010, a 34-per-cent rise on 2009. The statistics for chikungunya showed that 50 per cent of those stricken with the mosquito-borne virus had travelled to India.
Travellers were recently warned by the UK’s Foreign and Commonwealth Office (FCO) about dengue fever in Fiji, another popular destination, with the organisation warning that there is no vaccination against dengue, but preventive measures against the disease should be taken. In addition, travellers were told that while the Fiji Ministry of Health reported that the incidence of typhoid on the island is generally declining, cases do still occur. In total, health officials said that 149 cases of typhoid were reported in Fiji between January and May this year, and typhoid hotspots are being monitored by local public health officials.
The FCO warned: “Healthcare facilities are adequate for routine medical treatment, but are limited in range and availability. Doctors and hospitals often expect immediate cash payment for health services. In the event of a medical emergency, evacuation could be a likely option for treatment, and you should ensure that your insurance policy covers this.”

BIBA welcomes comparison site guidance

web picThe British Insurance Brokers’ Association (BIBA) has welcomed the UK Financial Services Authority’s (FSA) guidance consultation for insurance comparison websites. The FSA has stated that it has found failures to comply with its rules, which could result in the consumer not being treated fairly.
The proposed guidance means that comparison websites may need to review their disclosure documentation, sales procedures and terms and conditions in order to comply with all relevant regulatory requirements. These include customer eligibility, status disclosure, advice suitability and providing a proper statement of demands and needs.
Eric Galbraith, BIBA chief executive, said: “Our concerns from 2008 have focused on the gap developing between the pace of technological change and the regulations, which were written in 2005. We are pleased that the FSA recognises the price comparison website activities to be more than simply introducing and we trust that the steps that they are taking will close this gap.”
Graeme Trudgill, BIBA’s head of corporate affairs, added: “For the FSA to say that comparison websites are falling short of their regulatory requirements is of great concern and we strongly believe that these recommendations must be implemented by the sites without delay. We think it is particularly important that the FSA has highlighted a concern that we share, where in many cases questions are pre-populated with default answers.”
In its letter to comparison websites, the FSA said consumers may be being misled about the services they are receiving from these sites, adding that consumers may be unable to claim benefits against a policy through a lack of opportunity to disclose all material facts, and that there could be confusion about which firm to complain to, and whether they have the right to go to the Financial Ombudsman Service.
Steve White, head of compliance and training at the Association, added: “This is a really important step in consumer protection. This should lead to greater clarity for customers in terms of who they are dealing with and the policy that they are purchasing.”

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EHIC validity highlighted

Mandy with her EHICEuropean Health Insurance Cards (EHIC), which many travellers within the European Union rely on to receive free or reduced-price healthcare while they are abroad, have a five-year shelf life, and as they were introduced in 2006, many of the people who initially applied for the cards and received them in that year risk carrying invalid cards on their summer holidays this year.
Bob Atkinson of insurance comparison site Moneysupermarket said: “Brits hitting Europe this summer without an EHIC could end up facing a hefty bill if they need medical care while thery’re on vacation.” He warned that there are still plenty of consumers who do not understand how the EHIC works, and more who think that they still need to obtain the E111 form, which the EHIC replaced.
According to research from Moneysupermarket, 58 per cent of Britons surveyed are unaware of the benefits offered by the EHIC, but Atkinson warned that it is still no substitute for taking out comprehensive travel insurance. He told customers: “The EHIC only offers relatively low level access to medical treatment. Holidaymakers shouldn’t view it as a replacement for travel insurance, and travellers should also be aware that any non-essential care or treatment can cost extra.”

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Seniors still searching for cover

Senior looking through telescopeA recent report from UK consumer organisation Which? has found that older travellers are still finding it difficult to find appropriate and affordable travel insurance, despite some companies taking the upper age limit off their policies.
Gordon Morris of Age UK, a charity focused on helping older people, commented on the report: “The Which? report reveals real difficulties that those in later life can face when purchasing travel insurance. Why should you say to people who are over 65 ‘you can’t go skiing’?” He added, though: “The important thing to note is that there are still options available and consumers just need to take the time to shop and get the best policy. However, it is essential to be completely transparent when purchasing a policy, advising your provider of any medical conditions.”
Michelle Mitchell, also of Age UK, added: “It is shameful that older consumers be denied travel insurance simply because of their age. It is also unbelievably short sighted. Discriminating against our ageing population in this way is not just bad for older people, it is bad for business.” She went on to say: “Older people complain about this area of age discrimination more than any other, but insurance will be exempt from age discrimination, [thanks to a] law coming into force in 2012. After years of inaction, the only way to improve the situation is government intervention. We urge ministers to change their mind and outlaw unjustified discrimination in financial services.”

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ATOL consultation highlights gap in cover

Money countingInternational Passenger Protection (IPP), a provider of financial insurance solutions to the UK travel trade, has said that the recent Air Travel Organisers’ Licensing (ATOL) reform consultation paper, issued by the Department of Transport, highlights the gap in consumer protection under the government scheme, even after the proposed extension in cover. The reform, which is targeted to be introduced at the start of next year, is estimated to leave over half of travellers from the UK remaining unprotected, which equates to tens of millions of travellers that would be financial exposed during what is an extremely volatile time in the industry. Tickets purchased directly with airlines, UK trips, and non-air travel (such as car ferries), are just three of the significant travel groups that remain outside the protection in the proposals.
Michael Ward, director at International Passenger Protection (IPP), said: “The consultation document highlighted what a complex issue consumer protection in travel has become.” He praised the consultation paper, saying: “Especially commendable is providing clarity to consumers on what is and is not protected through a newly designed ATOL certificate. Hopefully consumers will then be directed to where protection can be sourced and make an informed decision as to whether to make a purchase.”
The reform refers to potential future legislation that will include airlines, and makes strong reference to a Europe-wide survey on consumer protection in the aviation sector. IPP believes that such as extension would be fiercely opposed by airlines, as Ward explained: “The report states that the Air Transport Trust (ATT) is currently at a deficit of around £42 million; that’s without the huge additional liabilities that the inclusion of airlines would bring. It’s such a hugely competitive market, where profit margins are being squeezed to breaking point, leading to record losses in 2011. An extra levy would add to the long list of challenges facing airlines, which include oil prices, industrial action, low fares, political unrest, natural disasters, and terrorism. Would the ATTF sustain an airline collapse? It would be an enormous risk.”
The annual report from the ATT shows the deficit of the organisation to be £42.3 million, despite that fact that the Trust received income of £47.7 million during the financial year ending March 2011. A statement from the ATT reads: “The most significant impact on the Trust arose from the insolvency of Goldtrail Travel Limited, going into administration at the height of the 2010 summer holiday season. The circumstances around this failure are under investigation. The failure highlighted the poor standards of customer documentation issued by some in the travel industry, leading to unacceptable delays in refunds to holidaymakers.” The organisation’s annual report noted that 29 ATOL holders failed during the financial year, and because of the ATOL scheme, over 47,000 ATOL-protected passengers were able to complete their holidays and around 146,000 received refunds of advance payments.
Roger Mountford, chairman of the ATT, said: “Despite the Trust facing an increase in its deficit, largely caused by the failure of Goldtrail Travel Limited, it has continued to meet its objective of providing refunds to customers affected by the failure of their ATOL holder. This past financial year has seen the Trust either repatriate or refund a record 193,000 UK holidaymakers, Government has published its consultation on reforming the scope of ATOL and bringing clarity to consumers, the trade and the ATT as to who is covered by the ATOL scheme.”
As if the travel industry needed further confirmation of the difficult trading situation in which it finds itself, as ITIJ went to press, news came in of another travel firm, Dream Holidays, which ceased trading on 19 July. The Civil Aviation Authority (CAA) said that the 525 people who were on holiday at the time of the collapse would be able to complete their holidays and return to the UK thanks to ATOL protection. Around 1,800 people with forward booking with the company will be able to claim a full refund for their holidays from the CAA.

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Flight nurse training in the spotlight

A team of researchers from Case Western Reserve University’s Frances Payne Bolton School of Nursing in the US has called for new competencies and training for flight nurses, as the number of flights and complexity of cases handled continues to increase. Andrew Reimer, a flight nurse, and Shirley Moore, associate dean of research at the University’s School of Nursing, have outlined their goals for new training in the Journal of Advanced Nursing in an article entitled Flight Nursing Expertise: Towards a Middle-Range Theory.
In the article, the researchers propose a theory that takes into consideration the unstructured medical environment and the need for fast thinking that being a flight nurse entails, and claim that some medications and practices used in emergency rooms are either ineffective or cannot be performed inside an aircraft, with care often relying on visual clues and patient patterns.
Reimer said that as flight nursing is still a relatively new discipline, “the knowledge about what works is limited.” In order to develop new theories of flight nursing, Reimer combined a review of research literature with his own experiences. He found that flight nurses need different skill sets from those used in hospital settings in order to access a patient’s vital signs – for example, nurses may have difficulty hearing a patient’s heartbeat in a helicopter due to the noise, and could have difficulty distinguishing a pulse from the vibrations of the rotor blades. Flight nurses have learnt, on the job, how to combat such obstacles, but Reimer said they should have the knowledge before they board the aircraft. As such, the researchers have called for more training that focuses on the uncertain environment of the patient and crew.
Reimer also believes that practising in simulated environments, where fast assessments and quick decision-making is needed, is essential to prepare flight nurses for the pressure they are put under during urgent missions. He concluded: “You can take an ICE nurse with 20 years of experience and put them in the helicopter to care for the patient, and the learning curve will be similar to someone with only two years of experience.” He believes that targeted training would shorten the learning period for flight nurses.

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Battle lines drawn

gavelThe ongoing issue of unpaid claims arising from the Icelandic volcanic ash eruption of April 2010 is not yet put to bed, as Europ Assistance in the UK has now launched a legal challenge against the country’s Financial Ombudsman Service (FOS). In March this year, the FOS ruled that travel insurers should base their decision on whether or not to pay out for volcanic ash cloud claims on a key ruling that earlier found in favour of the consumer, when the FOS concluded that the ash cloud was in fact a ‘weather’ event, and therefore insurers should pay out on claims received that were related to delays and cancellations that occurred as a result of closed airspace over Europe. Although many insurers accepted that decision and paid out on claims, Europ Assistance is now challenging it by asking for a judicial review to take place. The company still reportedly has 300 customers who are waiting to see if their claims will be paid, all of whom will now have to wait for the court to decide their fate.
ITIJ spoke to Europ Assistance to confirm proceedings were taking place. The company responded: “We can confirm that Europ Assistance has applied to the High Court in London for judicial review of the decision of the FOS in the volcanic ash claims. The application was made in June 2011.We understand that the FOS has published information on its website and written to over 300 policyholders, advising them of the further delay caused by the application for judicial review proceedings.In order that our position is clear we would point out that the FOS determination took many months although, throughout, Europ Assistance responded promptly to all requests for information.” It added:“Further, prior to the issue of court proceedings, in April 2011 we asked the Ombudsman to agree to expedition for the judicial review with a view to achieving early resolution and it was the Ombudsman who refused to do so.We would also point out that the Ombudsman acknowledged the right of a third party to apply for judicial review of their decision. We are, therefore, particularly disappointed that FOS has since chosen not to work with us proactively to seek early clarity on this issue on behalf of travellers and insurers alike.”

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Ash Cloud 3: South America hit

The path of the ash cloudJust as the ash from the Icelandic Grimsvotn volcano was settling, the Chilean Puyehue-Cordon-Caulle range of volcanoes got in on the act, sending ash and debris thousands of metres into the air. The resulting ash cloud prompted the closure of airports across South America, including the suspension of flights to and from Buenos Aires and disruptions to flights in Santiago. Winds blew the ash further afield, with subsequent closure of airports in Australia, New Zealand and Tasmania, before the wind changed direction and affected flights in Argentina, Brazil, Chile, Colombia, Paraguay and Uruguay.
Airlines including Virgin, Qantas, Jetstar and Tiger Airways all experienced flight cancellation or delays. Virgin Australia operated a reduced service with planes that flew below the level of the ash cloud. The impact of ash on aircraft could be significant, although some European airlines claimed recently that the impact was not as bad as the experts were claiming, complicating the situation. Siva Govindasamy, editor of Flight Global magazine, said at the time of the disruption: “The problem is that there is a lot of speculation about the actual impact of the ash. This is a big worry for the airlines, and as a result they are cancelling flights as a precautionary measure.”
The US Travel Insurance Association (UStiA) took the opportunity of further flight disruption due to volcanic ash to remind travellers about the importance of taking out insurance against such events: “Most travel insurance policies provide reimbursement up to a set amount for overnight accommodation and necessities if your trip is delayed or interrupted due to airport closure, or flight cancellation because of weather-related events. If you have a connecting flight and your checked baggage is delayed beyond a specified period of time, many travel insurance policies will reimburse for necessities purchased to tide you over.”

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Insurers brace for impact

Man with suitcaseThe latest research from Finaccord, Travel Metrics in Europe, gives details of how last year’s Icelandic eruption affected the rate of travel insurance claims in 2010. Mandy Aitchison delves into the report for more information
As Finaccord’s report was released, the Grimsvotn volcano, also in Iceland, was spewing ash into the air, again affecting the flight plans of thousands of people. Soon afterwards, the eruption of the Chilean volcano began to affect flights into and out of Chile and Argentina, with knock-on effects felt in Australia, New Zealand and Africa. Finaccord’s survey has provided detailed analysis of the travel habits, insurance uptake and claims behaviour of 6,000 consumers in France, Germany, Italy, the Netherlands, Spain and the UK. A unique feature of the research, according to the company, was to allow claimants to indicate the primary reason why they had made a claim against their travel insurance policy, and given the time period covered by the survey, these included various options which were specific to volcanic ash.
The survey showed some interesting results, with Simon Tottman, a consultant at the research firm, commenting: “Across all respondents covered by the European survey, travel insurance claims resulting directly from the chaos caused by the Icelandic eruptions of April 2010 accounted for 5.4 per cent of all reported claims. Whilst this may, at first glance, appear relatively insignificant, it should be borne in mind that the air-traffic disruption caused by the volcanic ash lasted only a few weeks, whereas the survey as a whole was based on respondents’ most recent trip undertaken during 2009 and 2010.”
In overall terms, the most common reasons for submitting a travel insurance claim were lost, stolen, or damaged baggage or belongings, medical expenses incurred while travelling, and accidents incurred while travelling. None of these core areas of claims activity were specifically associated with volcanic ash. However, within the universe of claims relating to flight or trip delay and cancellation, postponement or interruption, the volcanic ash cloud was seen to have had a substantial impact, and accounted for 31.1 per cent of all such claims. The detailed breakdown of this particular segment of claims activity is shown in the chart below.
Tottman said: “The fact that last year’s volcanic eruptions had a particularly strong effect on insurance claims related to trip delay and cancellation means that the current situation (the eruption of Grimsvotn) could once again represent particularly bad news for distributors and underwriters of basic or ‘value’ travel insurance policies, as these policies are often configured specifically to cover trip cancellation, either alone or in conjunction with a small number of other risks.” He went on to point out that basic travel insurance is also commonly offered by airlines. Ryanair, for example, offers its customers two levels of coverage: ‘economy’, which just covers cancellation and personal belongings; and ‘standard’, which is a more comprehensive travel policy. For a distributor or an insurance company, having a large and sudden influx of claims against what are, for the consumer, very cheap policies, is clearly not ideal.
It should be noted that the Travel Metrics research and the data included only relates to travel policies held by individual consumers, while the insurance consequences of volcanic ash disruption run deeper than this.

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