Appealing a Denied Health Insurance Claim

November 15th, 2024 by Alexis Ponce

Dealing with uncovered medical expenses can be a very stressful experience that causes high levels of anxiety, especially for students and international travelers located far from home. For this reason, it’s important that you understand which are the options available to you if you disagree with your insurer’s decision to deny your claim.

Appealing a denied health insurance claim can be a challenging process, but knowing the steps to take and your rights can make a big difference. If your insurer has denied coverage for a medical treatment or procedure, you’re not alone. Follow this guide to understand how to submit an effective appeal and improve your chances of success.

1. Understand the Reason for the Denial

Before planning your appeal, the first step is to carefully review the denial letter from your insurer. This should clearly state the specific reason for the denial. Common reasons include:

  • Treatment considered elective and not medically necessary.
  • The treatment received for an injury or illness was not covered by the policy, meaning it falls under the policy’s general exclusions. Common exclusions that can lead to a denied claim include pre-existing conditions or medical expenses associated with routine or preventive care.
  • Insufficient or contradictory information included in the medical records.

Once you have identified the reason for the claim denial, it is very important to review the terms and conditions of your policy, especially the coverages and exclusions. Your insurance coverage certificate will be accessible to you immediately after completing the purchase of your insurance.

If the medical expense incurred is listed as an exclusion in your policy, it is unlikely your insurer will reconsider the claim, even if you file an appeal. However, using an example, if the claim denial was due to an alleged pre-existing condition and you have evidence to prove that this determination was incorrect, then it’s recommended to appeal. Keep reading to learn more about what documentation you’ll need to prepare your appeal.

2. Gather Relevant Documentation

For an effective appeal, gather all the necessary information and documentation to support your case. This could include:

  • The insurer’s original denial letter so they can identify the claim you wish to appeal.
  • Medical records. For example, if the reason for denial was that the illness was pre-existing, the medical records you attach should prove that the condition in question was not pre-existing.
  • Letters from your doctors.
  • Summaries of benefits and the insurance policy describing the coverage.

This documentation is essential to support your case and demonstrate that the requested treatment is necessary.

3. Understand the Timeframes and Types of Appeals

In the U.S., insurers generally offer two types of appeals:

  • Internal appeal: Conducted within the same insurance company, and this is the first step in the process.
  • External review: If the internal appeal is denied, you can request an independent entity to review your case. This is mandatory in most states and managed by an impartial third party.

The timeframes for filing an appeal vary depending on the insurer. Some insurers give you a period of 90 days after the denial, while others allow up to 180 days to file your appeal. It is very important to review your policy to ensure you meet specific deadlines, as if the insurer receives your appeal outside the stipulated timeframe, it will not be processed.

The timeframes for filing an appeal vary depending on the insurer. Some insurers give you a period of 90 days after the denial, while others allow up to 180 days to file your appeal. It is very important to review your policy to ensure you meet specific deadlines, as if the insurer receives your appeal outside the stipulated timeframe, it will not be processed.

4. Write Your Appeal Letter

Writing a clear and concise appeal letter is key to presenting your case. Here are some tips:

  • Start with a summary that includes your policy information, the denial date, and a brief description of why you’re appealing.
  • Explain the treatment and its importance, supported by statements from your doctors.
  • Argue how the treatment meets your policy terms and refute the reason for the denial (for example, if they consider it unnecessary, explain why it is).
  • Attach all supporting documents.

A well-structured letter can demonstrate that the treatment meets policy criteria and medical necessity.

5. Regularly Follow Up on Your Appeal

The appeals process can be slow. Insurers generally request up to 90 days to review the appeal and provide a new determination.

It is important to stay in contact with the insurer, confirm that they have received all your documents, and regularly check the status of your appeal. Keeping a detailed record of all calls, representative names, and dates can be very helpful to have a complete history of your case.

My Appeals Were Denied, Now What?

While there are many cases where appeals are successful, unfortunately, the reprocessing of claims does not always result in payment. Although this can be discouraging, there are still other options for dealing with uncovered medical expenses.

Hospitals have financial assistance departments where you can explain your situation. In some cases, the medical provider may reduce the debt or offer a payment plan with affordable monthly installments to help you pay off the debt. To review different ways to deal with uncovered medical expenses, we recommend checking out our blog “How to deal with medical debt in the US”.

Appealing a health insurance claim in the U.S. can be a complex and time-consuming process, so it’s important to understand the steps to follow to prepare the documentation and arguments you’ll use during your appeal to increase the chances of the best resolution. It is essential to know and understand your policy’s coverages and exclusions, as well as the deadlines set by your insurer to submit your appeal so that it can be processed in a timely manner.

Studying abroad can be an exhilarating experience, filled with new cultures, adventures, and personal growth. However, it also presents unique challenges that can significantly impact mental health. Here are five key reasons why prioritizing mental health is crucial for international students.

1. Cultural Adjustment and Homesickness

Moving to a new country involves navigating unfamiliar customs, languages, and social norms. This cultural adjustment can lead to feelings of homesickness and anxiety, as students may long for the comfort of familiar surroundings.

Tips:

  • Engage in cultural exchange programs or local community events.
  • Join support groups for international students.

2. Academic Pressure

International students often face heightened academic expectations, navigating different grading systems and educational practices. This pressure can lead to stress, burnout, and even feelings of inadequacy.

Tips:

  • Develop a study schedule to manage your time effectively.
  • Utilize academic resources such as tutoring centers or writing workshops.

3. Social Isolation

Building a new social network in an unfamiliar environment can be daunting. Many international students may experience loneliness, especially if they find it hard to make friends.

Tips:

  • Attend social events, workshops, or local meetups.
  • Use social media platforms to connect with fellow students.

4. Navigating Life Transitions

Studying abroad often coincides with significant life transitions, such as moving away from home for the first time or taking on new responsibilities. These changes can trigger anxiety or uncertainty.

Tips:

  • Establish a daily routine to create a sense of stability.
  • Consider mindfulness practices, such as meditation or journaling.

5. Long-Term Well-Being

Prioritizing mental health during the study abroad experience has lasting benefits. Students who take care of their mental well-being develop resilience, adaptability, and problem-solving skills. These qualities enhance their experience abroad and contribute to personal and professional success in the future.

Tips:

  • Maintain a balanced lifestyle that includes exercise, nutrition, and social activities.
  • Seek professional help if feelings of anxiety or depression persist.

For international students, prioritizing mental health is essential for navigating the complexities of studying abroad. By addressing cultural adjustment, academic pressures, social connections, life transitions, and long-term well-being, students can create a positive and fulfilling experience that enriches their lives both personally and academically. Remember, seeking help is a sign of strength, don’t hesitate to reach out for support when needed.

How stress shapes our world

September 30th, 2024 by Angela Perrilliat

It may seem like stress is a very modern problem but it has always been there, the difference is that in today’s world we are now extremely aware of it, mention it, and acknowledge it as an everyday part of our lives. Now, although humans can share the same stressful experiences and situations, how we perceive and face them is totally different. 

The first step of approaching this is recognizing the role stress plays in our lives. Even though it is a constant, we must not underestimate it. First, we will approach how the body is affected by stress, and after you will read how it affects our minds and the way cognition is sort of impaired, therefore shaping our world in a much different way than the next person. 

Physical Signs

  • When the body is stressed, muscles tense up. Muscle tension is almost a reflex reaction to stress and when it is chronic, you are likely to present headaches, migraines and pain in the low back and upper extremities.
  • Shortness of breath and rapid breathing can happen, as the airway between the nose and the lungs constricts.
  • Acute stress causes an increase in heart rate and stronger contractions of the heart muscle, with the stress hormones flooding your body. 
  • As for the gastrointestinal system, stress may trigger pain, bloating, and overall gut discomfort. Also, when stressed we may eat much more or much less than usual which can result in heartburn or acid reflux. 
  • As for the male and female reproductive system, both libido and capacity for reproduction can be limited or even impeded. For the female reproductive system, processes such as pregnancy, premenstrual syndrome and menopause can be severely affected. 

The mind and our cognition

Now that you’ve learned about the physical tolls the body has to take on you may be starting to realize how it is for the mind and our mental well-being to constantly be in discomfort. 

Stress affects our emotional state and makes interacting with the world difficult, but what may be less obvious is how it changes what we focus our attention on throughout the day. By biasing attention, stress alters what we are conscious of, and in turn, the way we experience reality.  

Imagine how it would be if you were only focused on your internal experiences and not being able to appreciate other external situations that are not negative or harmful.

Other cognitive impairments we can have due to stress are the constant worrying; rigid thinking, which makes us more likely to make decisions out of habit; and poor judgment, where we could be more impulsive than usual or simply fail to think decisions through.  

After learning all of this, we hope you now have a wider view of all of the factors that come into play when we are living a life with constant stress and the importance of managing it properly so as to have a better well-being. 

For more information about stress and mental health you can go to our ISI Insurance Explained section: Emotional & Mental Health for International Students.

New Student Secure Benefits for the 2024-2025 School Year

August 1st, 2024 by Jennifer Frankel

Are you an international student studying in the U.S. or planning to study in the US this year? International Student Insurance (ISI) recently rolled out significant updates to their Student Secure plan for the 2024-2025 school year, bringing you enhanced coverage and benefits.

What’s New in the Student Secure Plan?

The Student Secure plan, designed to meet the needs of international students, scholars, study abroad participants, exchange students, and those on Optional Practical Training (OPT), now offers more comprehensive coverage. Available in four levels—Smart, Budget, Select, and Elite—these updates ensure that you get the best possible healthcare without breaking the bank. Here’s a quick rundown of our updated benefits:

  • $0 Deductible and Copay Structure – All plan levels now feature a $0 deductible and a copay structure, making it easier to manage your healthcare costs and meet your insurance requirements.
  • Wellness/Preventative Care – The Elite plan covers wellness and preventative care after six months of continuous coverage, helping you stay healthy during your studies.
  • Contraceptive Coverage – The Elite plan now includes coverage for contraceptives, providing you with a more comprehensive health insurance plan.
  • Sports Coverage – Love sports? The Select and Elite plans now cover organized sports, including intercollegiate, intramural, and club sports, without needing an add-on.
  • Enhanced Maximum per Injury or Illness – The Select plan now offers increased maximum coverage per injury or illness, ensuring you have ample support if you get sick or injured.

For a more detailed comparison of the benefits, visit our Student Secure plan:

https://www.internationalstudentinsurance.com/student-health-insurance/benefits.php

Why Choose the Student Secure Plan?

The Student Secure plan has been the choice of thousands of international students across the country, thanks to its design that meets their unique needs. Our team offers superior customer service, guiding you through understanding your plan benefits, deciding which plan is right for you, and helping you waive your school’s insurance plan. The process is quick and easy, potentially saving you hundreds or even thousands of dollars!

Ready to Learn More?

To learn more about the plan, visit our Student Secure online:

https://www.internationalstudentinsurance.com/student-health-insurance

The goal of the updated Student Secure plan is to provide international students with the best possible coverage, allowing them to focus on their studies and experiences without worrying about healthcare costs. These enhancements reflect ISI’s commitment to support the well-being of our students.

Traveling the world opens doors to incredible experiences, but it also comes with inherent risks. Unexpected medical emergencies can happen anywhere, and the costs associated with them, especially in remote locations, can be astronomical. That’s where emergency medical evacuation and repatriation of remains insurance comes in.

What is Emergency Medical Evacuation and Repatriation of Remains Insurance?

This type of insurance provides financial protection in case you require medical evacuation to a better-equipped facility or to your home country to get treatment or need your remains repatriated to your home country in the unfortunate event of your passing abroad. 

The U.S. Department of State mandates that all J-visa holders have health insurance that includes emergency medical evacuation coverage of at least $50,000 and repatriation of remains coverage of at least $25,000. This ensures that J-visa holders can access necessary medical care and have their remains returned home in a dignified manner.

Get Covered with ISI:

Our Student Secure plan, in addition to healthcare benefits in the case of an illness or accident, offers robust evacuation and repatriation coverage, fully conforming to J visa regulations.

If you have health insurance elsewhere and would like to have complementary evacuation and repatriation coverage to bolster your peace of mind or to comply with the J visa requirements, our Medical Evacuation plan is a great option. It is also ideal for international students on an ACA compliant plan that does not have these benefits included. The plan can be purchased for 3, 6 or 12 months. To see a detailed list of benefits, you can visit this site.

In conclusion, emergency medical evacuation and repatriation of remains insurance is an essential investment for any traveler. It provides invaluable peace of mind and financial protection in case of unexpected medical emergencies abroad. Choose ISI for reliable and affordable coverage, and embark on your next adventure with confidence!

Alternative Insurance Plan for NYU Students

July 12th, 2024 by Maria Caballero

For international students studying at New York University (NYU), you have the option to choose the school insurance plan or select an alternative option that meets the waiver requirements. Read this article to learn more about how the waiver process works when you purchase our Student Defender plan to waive the NYU school insurance.

What is the plan option through ISI that meets NYU’s waiver requirements, and how does it compare to NYU’s plan?

Plan ComparisonNYU PlanStudent Defender Plan
Cost$4644 per yearStarting at $1,188 per year
NetworkCigna OAPAetna Passport PPO
Out of Pocket Max$5,000$6,350
Deductible (Annual)$0$200, $500, or $1500
Coinsurance90%80%

For more information about the Student Defender plan, click here!

What is a waiver form?

Some students can find other insurance plans more affordable or more suitable for their needs, but most schools allow them to explore other options as long as they meet their requirements.

A waiver form is a formal document where independent insurance companies or brokers can review the insurance requirements NYU establishes for all their students to guarantee that they are compliant with their guidelines.

How to Pick an Insurance Plan?

It’s very important to take into consideration some points before choosing a plan:

1. Restrictions: Some insurance companies have restrictions on online transactions or even to different countries due to security reasons. 

2. Price: All of our plans work with age brackets and daily rates, so depending on the one that you are currently in, the price could be different. Depending on your budget, we can guide you to the best option for you. 

3. Benefits: All of our plans are designed to cover you everywhere outside of your home country for eligible injuries or illnesses that could occur after the effective start date of the plan. However, your school will probably share with you a list of requirements that you need to meet, plus we also take into consideration your personal needs in case you are looking for particular benefits.

What should I do to start with the waiver process?

You can always contact one of our agents and we will be more than happy to help you to find the best option plan for you based on your profile and your school requirements. 

We offer different plans depending on the type of visa you have. For F1 students, our popular option is our Student Defender plan, which you can review here: F1 Insurance Plan for NYU.

For our J visitors, scholars, and Exchange Visitors we have several options, including some that work for dependents. You can review them here:  J-1 Plans for NYU.

We strongly recommend you contact us before purchasing the plan to guide you in the process and to point you to the most suitable option for you.

We are available Monday through Friday, 8 am – 6:30 pm EST.

Toll-Free: (877) 758-4391

Direct: +1 (904) 758-4391 

You can also email us your inquiries and questions to info@internationalstudentinsurance.com 

What will happen after the purchase?

The purchase is very simple. Once you complete the payment, you will receive all your insurance documents via email for your convenience. 

However, some schools provide the students with a form and request the insurance company complete it to confirm that the current plan the student is enrolled in is compliant.

We will be happy to help you fill out the form; the process typically takes 2-3 business days. Once it’s done, we send a copy to you and your school. You must simply email us your policy number and waiver form filled out with your information to info@internationalstudentinsurance.com.

If you have any questions or need assistance please contact us!

In the realm of financial security, where complex products intersect with potentially stressful situations, exceptional customer service becomes the cornerstone of trust and successful experiences. While competitive rates and comprehensive coverage are essential, it’s the quality of human interaction that fosters long-term relationships and loyalty. This blog explores the key aspects that contribute to great customer service and their particular importance during the purchase of an insurance plan.

Transparency and Clear Communication

Insurance policies can be dense with legalese, leading to confusion and apprehension. Great customer service prioritizes transparency and clear communication. Representatives should explain coverage details, exclusions, and claims processes in a way that is easy to understand. Utilizing plain language, avoiding technical jargon, and providing clear written materials empower customers to make informed decisions and feel secure in their understanding of the policy.

Empathy and Emotional Intelligence

Purchasing insurance often stems from a perceived vulnerability, whether protecting one’s health or loved ones. Exceptional customer service recognizes the emotional component of the process. Representatives who demonstrate empathy and emotional intelligence can foster a sense of security in the customer.

Responsiveness and Efficiency

Time is valuable, and a prompt response demonstrates respect for the customer’s time. Whether answering questions, providing quotes, or processing applications, efficient service conveys professionalism and builds trust. Offering multiple communication channels (phone, email, online chat) caters to customer preferences and ensures accessibility.

The Importance of Customer Service in Insurance Purchase

In a competitive insurance market, exceptional customer service offers a distinct advantage. Here’s why it’s particularly crucial during the purchase of an insurance plan:

  • Reduces Decision Fatigue: The abundance of insurance options can be overwhelming. Customer service representatives who take the time to understand individual needs and tailor presentations can significantly reduce decision fatigue and simplify the selection process.
  • Increases Confidence: Clear communication and transparent explanations build trust and empower customers to make informed decisions with confidence, knowing they’ve chosen the right plan for their circumstances.
  • Builds Loyalty: Positive interactions during the purchase process create a lasting impression. Customers who feel valued and understood are more likely to remain loyal to the insurer and recommend them to others.
  • Mitigates Risk of Claims Disputes: A thorough understanding of the policy details fosters clear communication when filing claims. Customers who feel they were treated fairly during the purchase are likelier to have a smooth claims experience.

Exceptional customer service isn’t just about politeness; it’s a strategic approach that builds trust, fosters long-term relationships, and ultimately drives sales success in the insurance industry. Be sure that in International Student Insurance, customer service representatives will prioritize clear communication, empathy, and a genuine understanding of your needs, as they would not simply present product features; they will engage in active listening to uncover your unique circumstances, risk tolerance, and compliance goals. Their personalized approach fosters trust and allows tailored communication, ensuring your confidence in your chosen plan.

Mental Health Awareness Month: Nature and Mental Health

March 28th, 2024 by Angela Perrilliat

Every year during the month of May, the United States celebrates Mental Health Awareness Month. The purpose of this is to raise awareness and educate the public about diverse topics that fall under the big umbrella that is mental health. Regarding this issue, you’ll learn about one specific situation that can be detrimental to mental health: the lack of experiences related to nature and natural environments. Also, some actions that we all can take to connect with nature and green spaces in order to maintain a good mental health. 

The dilemma

In an increasingly urbanized world, our access to nature is dwindling just as the human contact with nature due to the pandemic that kept us inside of our homes for so long; and for those reasons alone we can say that we have the perfect combo for a lack of nature in our lives, which is detrimental to mental health.

The research

The research made by  psychologists and ecologists throw evidence about the positive effects that nature can have in us. It includes studies on specific psychological conditions such as depression, anxiety and mood disorder. Access to nature has also been found to improve sleep, happiness, reduce stress and negative emotions, promote positive social interactions and even help generate a sense of meaning to life. Being in green environments can boost different aspects of thinking, including attention, memory and creativity. 

The way we experience nature has to do with individuals’ perceptions and/or interactions with stimuli from the natural world (from potted plants and private gardens to more expansive public green spaces and wilderness, weather, even the sunlight). Some examples of how we can develop our connectedness with nature are: activities where the senses are involved can help us develop our connection with it, as well as activities where we feel emotions such as compassion, or where we find beauty and meaning in it.

Disadvantage barriers

While nature can be found practically “anywhere” (a bird, a tree, the sky, a plant), high-quality natural spaces -which we know are most likely to help support good mental health- are not available equally to everyone. Some things to take into account are:

  • People living in urban areas with no access to gardens, trees in the street, bushes, flowers, etc.
  • People living with a disability or health condition often face specific barriers when natural spaces are not equipped with inclusion in mind or a lack of accessible routes for them.
  • For some groups (i.e women, minorities) green spaces may feel unsafe due to factors such as discrimination, sexual harassment and others.

These are very important elements to keep in mind when taking action to be more involved in nature, because there are some disadvantages you may face. That’s why you have to remember: it is not your fault if you can’t access these basic things.

Accessing nature

It can be hard to know where to find nature. Many of us do not have a garden. And those of us who live in cities or towns may not live near a park or green space. You may be worried about the cost of plants, gardening equipment, or getting tired easily or have difficulty doing physical activities.

Here are some tips and suggestions for you to consider:

  • Bring nature indoors. Buy flowers or potted plants for your home, collect natural materials and use them to decorate your space, grow plants on windowsills, listen to natural sounds, watch videos of nature.
  • Look for nature wherever you are. Look out of your window and take notice, take pictures.
  • Look for local green spaces. Your local council may have information about parks or natural reserves near you.
  • Help the environment. Volunteer for a conservatory project, plant helpful seeds, build an animal habitat. 
  • Connect with animals. Watch out for wildlife (squirrels, fish, insects, etc.), hang a bird feeder outside a window and start birdwatching, try pet-sitting or dog walking.

For a profound and extensive guide on this topic, we recommend you read this study from Mental Health Foundation about Mental Health Awareness Week 2021: Read more

10 travel packing hacks for your next adventure

March 8th, 2024 by Diego Guido

We might think that we all know how to pack, but believe me when I tell you that these hacks are going to make your life easier, whether you’re going on vacation, business or just for a short break, we want you to be organized to enjoy your trip!

  1. ROLL YOUR CLOTHES

The rolling method is the biggest revolution in packing yet. Folded clothing takes more space than their rolled counterparts. Plus, rolling prevents your pieces from having creases and wrinkles.

Roll, roll, roll, so you can pack extra stuff into your suitcase!

It’s hard to believe that such a simple trick can change how you pack drastically. We recommend you to look for tutorials in social media such as Tik Tok, Instagram or Facebook to know how to do this amazing trick and you’ll be able to take everything with you on your trip. 

  • 2. PLAN AND PACK EARLY

      Packing at the last minute is a recipe for disaster. You should put away everything you need into your suitcase about one week, or at least 2-3 days, in advance. The majority of time should be spent on researching and planning.

      We know that this advice could be considered as simple but believe us when we say that a lot of people leave packing at the last minute and end up forgetting a lot of their stuff for the trip. Sometimes the things that you forget are things that you need to buy during the trip and that would make you spend more money. 

      • 3. MAKE A PACKING LIST

      Nowadays you can do this list with your smartphone and mark the things that you have already packed. This would be a great way to optimize your time and be more organized. 

      • 4. MAKE A DIY FIRST AID KIT

      Health care on the road is essential. Be sure to take with you at least one first aid kit. As for what items you should take, we recommend you the following:

      • Prescription medications
      • Face masks
      • Antibacterial wipes
      • Anti-diarrhoea medication
      • Plaster (band-aid)
      • Gauze & Tape
      • Moleskin
      • Scissors & Tweezers
      • Antiseptic
      • List of emergency phone numbers
      • 5. PUT THINGS INTO YOUR SHOES
      Why leave the inside of your shoes empty when you can utilize that space!

      You should stuff your shoes with soft materials such as socks and underwear to make use of that extra space. Likewise, hats can be used in the same way. Lay your hats upside down and stuff them with socks and smaller items. This is also an excellent way to keep your non-foldable hats in shape.

      • 6. SAVE SOME SPACE FOR SOUVENIRS

      If you are traveling far, isn’t it fun to bring more stuff on your way back home? Most people are excited about the upcoming journey but forget about the trip back home. Saving a spare space for the items you can only find at the local shops is a wise and fun thing to do. That way, you can avoid the hassle of shipping everything to your home country and the cost of it as well. Plus, you can carry more if you go overboard with your shopping.

      • 7. LAUNDRY BAGS

      Packing dirty clothes shouldn’t be taken lightly. It could smell and make your clean clothes suffer the same fate if done wrong. Unless you do laundry while traveling, you should find a way to store dirty clothes.

      As mentioned above, you can use a packing cube to store dirty clothes separately from clean ones. If possible, you should have with you at least two bags, one for lights and one for dark clothes. Other alternatives, such as plastic bags, work fine. But you may want to stick to eco-friendly choices like laundry bags or beach towels. A local laundromat is only available sometimes, so be always prepared.

      • 8. PACK ESSENTIALS AND A CHANGE OF CLOTHES IN A CARRY-ON

      Lost or delayed luggage is anyone’s worst nightmare. It can happen to the best of us. When you have your essentials or a set of clothes already in your carry-on, you won’t be left helpless in that precise moment.This is especially true for daily medications that may not be for sale at your destination. Plus, it saves you the hassle of opening your luggage in the middle of the plane to get what you need.

      • 9. PHOTOGRAPH EVERYTHING

      Layout the content of your suitcase, then take a photo. This serves two purposes: one, it helps you keep track of everything in case you have left anything behind when you were packing on your way back home. Secondly, you take two photos: one before embarking and another when you return home. Compare them and see which items you used on your trip and which ones you didn’t. So next time you know for sure what to leave at home. That way you’ll be packing efficiently.      

      Another advantage of having a photographic record of the things that you have packed is that you make sure to have a photo as evidence of all your travel documents which will act as a backup. If things go wrong (they got stolen), it’s never a bad idea to have a copy of your ID, as a proof of what was stolen from you.

      • 10. PREVENT LEAKAGES WITH THIS ONE SIMPLE TRICK

      As your luggage is thrown around from one place to another during flights, leakage is more likely to happen. But there’s a genius solution: putting clingfilm (plastic wrap) under toiletry bottle lids. Even the best travel bottle may be prone to leakage, and such a trick prevents the lotion or shampoo from spilling all over your clothes. Simply remove the caps, put a small plastic wrap around the opening, and seal the bottle off.

      ENJOY YOUR TRIP and feel free to share with us more hacks!

      Why is everyone sick around winter time?

      January 12th, 2024 by Angela Perrilliat

      “Put your jacket on or else you’ll get the flu”, “stay off air streams or else you’ll get a cold”, do you remember your parents ever saying that to you as a kid? I do! Or how about now, after what we went through with covid, being paranoid of every sneeze and cough you hear? I am! Have you noticed that for the past month almost everyone around you is sick every other day and it doesn’t seem to go away? Well, it’s not a new bug, it’s just the winter season (and.. a little bit of lack of precaution, our bodies forgetting how to fight more common illnesses and back-to-back infections).

      Some respiratory illnesses actually are more common during the winter but it is not because of the weather itself but because we spend more time indoors and with closed windows, which allows bacteria and viruses to pass easily from person to person. Also, if you already have a virus, lower body temperature makes it harder for you to fight it. 

      Some of these common illnesses during colder months are whooping cough, pneumonia, bronchitis (acute and chronic), respiratory syncytial virus (RSV), flu and common cold. Most of them have the same symptoms at the beginning, so what you have to check out for is how it develops and if you start to experience more severe symptoms. 

      Now, symptoms that go away and then reappear could be part of the same viral infection, so that mixed with a cold environment, could make it seem like several respiratory infections immediately one after the other, but it’s really just one that seems to never end.

      Here’s a quick guide for you to distinguish between the different types of illnesses and their key symptoms:

      IllnessKey symptoms
      Whooping cough
      Starts as common cold
      Coughing spells that end with a whooping sound
      Watery eyes mixed with runny nose and sneezing
      PneumoniaStabbing chest pain
      Cough with mucus
      Accelerated breathing and pulse
      Shortness of breath
      BronchitisAcute:
      Non-stop coughing
      Headache
      Wheezing
      Sore throat
      Chronic:
      Persistent cough
      Chest discomfort
      Difficulty breathing
      Respiratory Syncytial Virus (RSV)
      Most likely on children, older people, people with heart, lung or immune system problems
      Decreased appetite
      Low fever
      Similar to a cold
      FluExhaustion
      High fever
      Body ache
      Sore throat
      Vomit or diarrhea
      Common coldScratchy throat
      Low fever
      Chills and aches
      Runny nose

      For a complete list of symptoms, how we get each illness, how long it should last and when it is safe to get back to our workplaces/schools/social gatherings etc., read here.

      Should we bring back masks and stay home when feeling sick?

      By the beginning of last year almost everyone stopped wearing masks and forgot to take precautions in case of running into sick people, but we should reconsider bringing masks back since respiratory illnesses can become much worse in a matter of days during winter time. Wearing a mask not only prevents us from spreading viruses, it also stops chilly air from getting through our nose and lungs.

      Having respiratory issues is really a nightmare: you don’t sleep very well or don’t sleep at all, you can’t breathe correctly, sore throat makes it so painful to even pass food and saliva and we feel too tired to even take care of ourselves. We all know that feeling. Add to the fact that it can take 15 days to clear a common cold, and 25 days for a cough to go away in most cases. Adults can also have what doctors call a post-viral cough that can last for three weeks or more after other symptoms disappear. Knowing this, I think we can all agree that we should be more cautious and avoid spending up to a month sick, even if we won’t be contagious after the first week of symptoms. 

      Lastly, if it is within your possibilities, make sure you are up to date on covid and flu shots. Influenza vaccination campaigns usually take place in October or November since it is best to get vaccinated before the influenza season starts.

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