1 st edition NEWSLETTER 2017

Transcription

1 1 st edition NEWSLETTER 2017 Dear Remedi Member It is hard to believe that we are almost at the end of the first quarter of I trust you will all experience a happy and healthy It is with a heavy heart that I am writing this first Remedi newsletter for After a very happy and fulfilling five years as the Principal Officer of Remedi Medical Aid Scheme I have decided to accept a different role at Remgro, which is one of the participating employer companies of Remedi. I will be taking up my new role from 1 March For me personally, the last five years were some of the best years in my professional career. I have enjoyed the challenges offered through this role tremendously and also enjoyed the professional relationships with the Remedi Chairman, Dr Ronnie van der Merwe, the Remedi Trustees and the very professional Discovery Health In-House team under the leadership of Stephen Johnston. I am very fortunate that I will as part of my new responsibilities at Remgro become a Trustee of Remedi and will thus remain very much involved with Remedi and the ongoing strategic management of the Scheme. I have always had a passion for the Scheme, its members, the participating employers and external service providers hence the satisfaction of knowing that I can remain involved with Remedi. Good news for Remedi is that we were able to recruit a very capable, well skilled and energetic new Principal Officer. The new PO is Jaco Janse van Vuuren and he already started with Remedi from 1 January 2017 as the Deputy Principal Officer. We have already started with some formal training and Scheme specific handover activities late in November 2016 and have been working together closely during January and February to allow for a thorough hand-over of responsibilities and duties. Jaco will introduce himself in more detail in the second newsletter of 2017 but I can give you at least the following basic information. Jaco is married to Amanda and they have two children. Jaco worked for British American Tobacco (previously Rothmans and Transatlantic Tobacco) for 26 years. Jaco has a financial background and worked in the Financial, Logistics, Marketing and Commercial Management fields. He has been a Trustee on a Provident Fund for a long time and also briefly served on the Remedi Board of Trustees. For the rest of this first newsletter of 2017, we will focus on the following articles in an effort to provide some clarity and interesting information to you our valued member: Diabetes awareness Breast cancer Stroke awareness and What to know before you travel It is important for us to keep in contact with you as well as sending you your claims information regularly so that you can manage your claims better. For these reasons we urge you to please update your contact details online at or by calling us on to ensure that we can communicate with you effectively. Regards Kobus du Plessis Principal Officer Remedi

2 Be diabetes aware: know your risk and use the health tools to prevent complications Worldwide, there has been an alarming rise in diabetes, a major cause of health complications and premature deaths. In 2013 there were 347 million people with diabetes and the rate of diabetes among people in their 30s increased by 70%, while it is up by 40% among people in their 40s. The World Health Organization estimates that as many as 380 million people will have diabetes by There are different types of diabetes but the majority of people develop type 2 diabetes. It is often genetic, triggered by lifestyle factors and occurs when the pancreas does not produce enough insulin or when the body does not respond normally to insulin. One in every two South Africans are overweight and this makes the risk to develop type 2 diabetes five times greater. About 80% of people diagnosed with type 2 diabetes are overweight. At Remedi, we have also seen a significant increase in the number of our members diagnosed with diabetes in recent years. From 2015 to 2016 the number of Remedi members diagnosed with diabetes increased by 7.8%. This is definitely a trend that will cause increased claims expenses in the future. Signs and symptoms See your doctor immediately when you experience any one or a combination of these symptoms: Extreme thirst, tiredness, and excessive urination. Blurry vision, recurrent infections and rapid weight loss. The symptoms of diabetes are not very specific and globally it can take an average of seven years for a person to be diagnosed. Estimates suggest that in Africa at least 78% of people with diabetes are undiagnosed and by the time they are, many already have complications. The risks Diabetes increases the risk for cardiovascular disease and stroke. Obesity adds to this risk with its strong association with insulin resistance. High glucose levels in the blood affect the walls of the arteries, making them more likely to develop buildup of plaque. High blood pressure and high cholesterol, which are major risk factors for cardiovascular disease, are also prevalent in type 2 diabetes. DiabetesCare from 2017: a coordinated approach to manage diabetes As many as 80% of cases of type 2 diabetes can be avoided by following a healthy eating plan and by doing regular exercise. Evidence shows that a 5% to 10% reduction in body weight can significantly reduce the risk for developing type 2 diabetes. Once diagnosed only 42% of people actively manage the condition with the help of a doctor. Insufficient management of diabetes means that as many as 86% of people who are diagnosed develop complications and a significantly lower life expectancy. Since January 2016, Remedi offers The Personal Health Programmes to its members. This programme helped us gain insight into additional ways to help manage diabetes. To provide the well-coordinated care and management that diabetes requires, Remedi improved these programmes to be more focused with effect from 1 January The first focused programme is DiabetesCare, which was made available to members from January Including screening and early detection following a simple enrolment process by a Premier Plus GP, DiabetesCare will give those registered access to: Coordinated care through a dedicated Premier Plus GP Additional support from other healthcare professionals Appropriate personalised information to track their progress Health professional consultations with a Premier Plus GP and benefits for adherence to collect and take medicine Rewards for adhering to collect medicine and for improvements in personalised goals Tailored programmes to eat healthily, manage weight and become physically active. A Premier Plus GP has contracted with Remedi on quality-based metrics, which ensures greater patient health outcomes. Be diabetes aware this year. Have your blood glucose levels checked and take action to get active and eat healthy.

3 Keep abreast of your health Breast cancer and cervical cancer are two of the most common cancers among women in South Africa. Luckily, there s a good chance of recovery if you catch them early. By knowing your body, what s normal for you and going for regular screenings, you can prevent cancer from sneaking up on you. Examine your breasts Women detect 90% of breast lumps themselves before a doctor does. That s why it is so important to examine your breasts regularly to detect abnormalities. If you are unsure how to do it, you can go for a clinical breast examination and your healthcare provider can teach you how to do the examination. When you examine your breasts, keep in mind that menstruation and ovulation can cause the glands in your breasts to swell, which can feel like a lump to searching fingers. Check your breasts again when you re in a different part of your cycle to see if the lump is still there. Many lumps are harmless, but visit your GP if you find one. Your doctor may recommend a mammogram (breast X-ray). Screening for cervical cancer Our bodies produce new cells all the time and sometimes these cells are abnormal. A cervical screening test may detect abnormalities in cervical cells before they become cancerous. Early cervical precancers or cancers often have no signs or symptoms, which is why Pap smears are important. Most abnormal results are caused by an infection or the presence of treatable precancerous cells, rather than cancer itself. There is a considerable lag time (10 to 15 years) between the development of precancerous cells (lesions) and invasive cervical cancer. Changes in how often your medical scheme pays for screening tests It is important to be proactive about your health and to ensure that you screen appropriately and responsibly. Since mammograms and Pap smears detect all abnormalities, not just dangerous ones, screening too often can cause unnecessary worry or even unneeded further tests. The screening and prevention benefit on Remedi cater for screening benefits as follows: All adult female members have cover for: Protect your brain from attack There are many excellent reasons to go for yearly screening tests. The sooner you detect changes in your body, the sooner you can do something to lower the risk of certain conditions developing. When we encourage you to go for screening tests, we often list high blood pressure and high cholesterol as risk factors for stroke. But what is a stroke and how can you detect it? What is a stroke? Sometimes a stroke is called a brain attack. It happens when the blood flow in the brain is interrupted. Blood carries oxygen and nutrients to brain cells. When they don t receive oxygen, they quickly become damaged. Just like a heart attack damages the heart, a stroke damages the brain. Strokes happen for mainly two reasons: A blood clot forms in a blood vessel and blocks an artery in the brain A blood vessel bursts in the brain and bleeds into the brain. Every stroke is different and the effects are different based on where in the brain the blood clot was and how long the blood flow was interrupted. After you ve had a stroke you could have after effects such as paralysis, muscle weakness, and problems with eyesight and communication. You could save a life if you act FAST FAST is a simple way to remember the signs of stroke that show you need to get medical help right away. The sooner you get help for a stroke, the less damage the stroke does and the better your chances of recovery are. FACE: Ask the person to smile. Does their face droop or does one side not move as well as the other? ARMS: Ask the person to lift both arms above their head and keep them there. Does one arm not move or slowly come down? SPEECH: Ask the person to repeat a short sentence (eg It is a sunny day in Cape Town ). Did the person use the right words without slurring? TIME: If you spot any of these signs, call emergency services and make a note of when the symptoms started. How can you reduce your risk of having a stroke? Eating a balanced diet, exercising and having yearly screening tests, can reduce your chances of developing many conditions, including stroke. Non-smokers have a lower risk of having a stroke than smokers. If you drink alcohol, only drink in moderation. This will help you to keep your blood pressure stable and improve your general health. 1x mammogram every year for females 1x Pap smear every year for females.

4 What not to do when you travel Don t avoid places, avoid these mistakes when travelling. You ve been dreaming about your holiday since last year. You ve planned where you ll end up, who you re taking with you and who you re leaving at home. Whether you re driving, flying or taking a bus or train, avoid these mistakes to make sure you get the most out of your time off. DON T: Leave your chronic medicine and glasses at home Your medical condition goes wherever you go. Don t make the mistake of thinking you will be relaxed enough not to need your medicine or office glasses while on holiday. Squinting at road signs and slowly developing a splitting headache does not add to the adventure of going on a trip. Neither does spending time at a local clinic and hoping you can arrange to get your chronic medicine in a foreign country. Ask your pharmacy and let us know if you need more than a month s supply of medicine if you re travelling. Accidentally become a smuggler In the movies, smuggling something over the border can be thrilling and interesting. On holiday, you probably want to skip the drama. Just because your doctor prescribed you your medicine in South Africa, doesn t mean your medicine is legal overseas. For example, in Japan some of the active ingredients in our painkillers and cold medicine are illegal. Find out if you need a special letter from your doctor to take your medicine with you from the embassy before you go. Pack the kitchen sink It s tempting to try to pack everything you may need while travelling. You could be someone s hero! Or your arms and feet s worst enemy. You have to carry what you pack. Pack clothes for one week and include something warm and something for rain. You can always wash clothes. It s much nicer not to have to lug a heavy suitcase around and you leave space in your suitcase for all those little things you just had to buy! Lose your photos After your trip you re left with memories and many photos of everything from your room to spitting llamas. One of the worst things that can happen is for you to lose your photos from a memory card s tantrum or something happening to your camera. Back up your photos to memory sticks (they aren t affected by airport scanners) or upload them to the internet. Just be careful which photos you share publically. DO: Check if you re covered for medical emergencies overseas Knowing you re covered for medical emergencies can give you peace of mind to be just that little bit daring to go ahead and order the exotic dish at the quaint little restaurant you ve just discovered together or to tuck into some mouth-watering street food. Please contact Remedi at and confirm your cover for medical costs and emergencies overseas before travelling overseas. Remedi Medical Aid Scheme. Registration number 1430 is administered by Discovery Health (Pty) Ltd, registration number 1997/013480/07. Discovery Health (Pty) Ltd is an authorised financial services provider.

5 1 ste uitgawe NUUSBRIEF 2017 Beste Remedi-lid Dit is moeilik om te glo die eerste kwartaal van 2017 is reeds amper verby. Ek glo u sal almal n gelukkige en gesonde 2017 hê. Dit is met n swaar hart dat ek hierdie inleiding vir die eerste Remedi-nuusbrief van 2017 skryf. Na vyf baie gelukkige en bevredigende jare as die Hoofbeampte van Remedi, het ek besluit om n nuwe rol by Remgro te aanvaar. Remgro is een van Remedi se deelnemende werkgewersmaatskappye. Ek sal op 1 Maart 2017 my nuwe pos beklee. Persoonlik was die afgelope vyf jaar van die beste jare van my professionele loopbaan. Ek het die uitdagings van die rol vreeslik geniet asook die professionele verhouding met die voorsitter van Remedi, Dr Ronnie van der Merwe, die Remeditrustees en die baie professionele span van Discovery Health InHouse onder leiding van Stephen Johnston. Ek is baie bevoorreg dat ek, as deel van my nuwe verantwoordelikhede by Remgro, n Trustee van Remedi sal word en dus baie betrokke kan bly by Remedi en sy voortgesette strategiese bestuur. Ek het nog altyd n passie vir die Skema, sy lede, die deelnemende werkgewers en eksterne diensverskaffers. Dus is dit baie bevredigend om te weet dat ek by Remedi betrokke kan bly. Die goeie nuus vir Remedi is dat ons n baie bevoegde, vaardige en energieke nuwe Hoofbeampte kon werf. Die nuwe Hoofbeampte is Jaco Janse van Vuuren en hy het reeds op 1 Januarie 2017 by Remedi as die nuwe Adjunk Hoofbeampte begin. Ons het reeds teen die einde van November 2016 begin met formele opleiding en oorhandigingsaktiwiteite. Ons het in Januarie en Februarie nou saamgewerk om n deeglike oorhandiging van verantwoordelikhede en pligte te bewerkstellig. Jaco sal homself in meer besonderhede voorstel in die tweede nuusbrief van 2017, maar ek kan met u die volgende basiese inligting deel. Jaco is getroud met Amanda en hulle het twee kinders. Hy het 26 jaar vir British American Tobacco (voorheen Rothmans en Transatlantic Tobacco) gewerk. Jaco het n agtergrond in finansies en het al gewerk in die finansiële, logistieke, bemarkings- en kommersiëlebestuursvelde. Hy was lank n Trustee by n voorsorgfonds en het kortliks op Remedi se Raad van Trustees gedien. In die res van die eerste nuusbrief van 2017 is die fokus op die volgende onderwerpe in n poging om beide duidelikheid en interessante inligting aan u, ons gewaardeerde lid, te verskaf: Diabetes Borskanker Beroerte Wat om te weet voor u reis. Dit is vir ons belangrik om met u kontak te hou en gereeld aan u eisinligting te stuur sodat u u eise beter kan bestuur. Dus moedig ons u aan om u kontakbesonderhede by te werk op die webwerf by of ons te skakel by om seker te maak dat ons effektief met u kan kommunikeer. Groete Kobus du Plessis Hoofbeampte Remedi

6 Wees bewus van diabetes: ken u risiko, gebruik hulpmiddels vir gesondheid en voorkom so komplikasies Daar is wêreldwyd n kommerwekkende toename in diabetes, n groot oorsaak van gesondheidkomplikasies en vroeë dood. In 2013 was daar 347 miljoen mense met diabetes. In 2013 het die koers van diabetes vir mense in hul 30 s met 70% toegeneem terwyl dit met 40% vir mense in hul 40 s toegeneem het. Die Wêreldgesondheidsorganisasie skat dat tot 380 miljoen mense teen 2025 diabetes sal hê. Daar is verskillende soorte diabetes, maar meeste mense ontwikkel tipe 2-diabetes. Dit is dikwels geneties, word deur lewensstylfaktore aan die gang gesit en kom voor wanneer die pankreas of nie genoeg insulien vervaardig nie of die liggaam nie normaal op insulien reageer nie. Een in elke twee Suid-Afrikaners is oorgewig, en dit maak die risiko om tipe 2-diabetes te onwikkel vyf keer meer. Omtrent 80% van mense wat met tipe 2-diabetes gediagnoseer word, is oorgewig. By Remedi het ons ook die afgelope paar jaar n noemenswaardige toename gesien in die getal lede wat met diabetes gediagnoseer is. Van 2015 tot 2016 het die getal Remedi-lede wat met diabetes diagnoseer is met 7.8% toegeneem. Dit is definitief n tendens wat hoër eiseuitgawes in die toekoms sal veroorsaak. Tekens en simptome Sien dadelik u dokter as u enige of n kombinasie van hierdie simptome ervaar: Uiterste dors, moegheid, en oormatige urinasie Wasige visie, herhalende infeksies en vinnige gewigsverlies. Die simptome van diabetes is redelik breed en internasionaal kan dit gemiddeld sewe jaar neem vir iemand om gediagnoseer te word. Na raming is ten minste 78% van mense met diabetes in Afrika nog nie gediagnoseer nie en wanner hulle is, sal baie van hulle reeds komplikasies ervaar. Die risikos Diabetes verhoog die risiko vir kardiovaskulêre siektes (hartsiekte) en beroerte. Vetsug verhoog die risiko verder omdat dit sterk met insulienweerstandigheid verbind is. Hoë bloedsuikervlakke affekteer die aarwande wat dit meer geneig maak om plaak op te bou. Hoë bloeddruk en hoë cholesterol is groot risikofaktore vir kardiovaskulêre siektes (hartsiekte). Dit is ook algemeen by tipe 2-diabetes. Van 2017: DiabetesCare is n gekoördineerde benadering om diabetes te bestuur Tot 80% van gevalle van tipe 2-diabetes kan vermy word deur n gesonde eetplan te volg en gereeld te oefen. Bewyse toon dat n 5% tot 10% vermindering in liggaamsgewig die risiko beduidend kan verminder om tipe 2-diabetes te ontwikkel. As die toestand eers gediagnoseer is, bestuur slegs 42% van mense die toestand aktief met behulp van n dokter. Diabetes wat nie aktief bestuur word nie lei daartoe dat soveel as 86% van mense wat gediagnoseer word komplikasies ontwikkel en n beduidend korter lewensverwagting het. Van 1 Januarie 2016, bied Remedi lede Personal Health Programmes. Die program help ons om n beter insig te ontwikkel in bykomende maniere om diabetes te help bestuur. Om die goed gekoördineerde sorg en bestuur te verskaf wat diabetes benodig, het Remedi die Personal Health Programmes verder verbeter en is dit nou meer gefokus vanaf 1 Januarie DiabetesCare is die eerste nuwe gefokusde program en is van 1 Januarie 2017 vir lede beskikbaar. n Premier Plus GP kan u maklik registreer vir hierdie program wat sifting en vroeë opsporing insluit. DiabetesCare gee lede wat geregistreer is toegang tot: Gekoördineerde sorg deur n toegewysde Premier Plus GP Bykomende ondersteuning van ander gesondheidsorgkundiges Toepaslike verpersoonlikte inligting om van hul vordering tred te hou Konsultasies met n Premier Plus GP en nakomingsvoordele om medisyne af te haal en te gebruik Belonings om medisyne af te haal en vir verbeteringe in verpersoonlikte doelwitte Pasgemaakte programme om gesond te eet, gewig te bestuur en om meer fisieke aktiwiteit te doen n Premier Plus GP is n algemene praktisyn (huisdokter) wat n kontrak met ons het op grond van gehaltegebaseerde maatstawwe. Dit verseker beter gesondheiduitkomste vir pasiënte Wees vanjaar bewus van diabetes. Vind uit wat u bloedsuikervlakke is, wees fisiek aktief en eet gesond

7 BEVRIEND JOU BORSTE Borskanker en servikale kanker is twee van die mees algemene soort kankers wat Suid-Afrikaanse vroue affekteer. Gelukkig is die kans op herstel goed as u dit vroeg opspoor. Deur u liggaam te ken, te weet wat vir u normaal is en gereeld vir siftingstoetse te gaan, kan u keer dat kanker u bekruip. Ondersoek u borste Vroue spoor 90% van borsknoppe self op voor n dokter sien daar is iets fout. Dit is hoekom dit so belangrik is om gereeld n borsselfondersoek te doen om abnormaliteite op te spoor. Indien u nie seker is hoe om dit te doen nie, kan u vir n kliniese borsondersoek gaan. U gesondheidsorgverskaffer kan u leer om die selfondersoek te doen. Wanneer u u borste ondersoek, moet u onthou dat menstruasie en ovulasie die kliere in u borste kan laat opswel en dit kan soos n knop voel. Ondersoek later weer u borste wanneer u in n ander deel van u maandelikse siklus is en kyk of die knop steeds daar is. Baie knoppe is skadeloos, maar besoek u algemene praktisyn indien u n knop vind. U dokter sal moontlik n mammogram (bors-x-straal) aanbeveel. Toets vir servikale kanker Ons liggame vervaardig heeltyd nuwe selle en soms is die selle abnormaal. n Servikale siftingstoets kan abnormaliteite in servikale selle opspoor voor die selle verkanker. Vroeë servikale voorkankers of kankers het dikwels geen tekens of simptome nie dit is hoekom Papsmere so belangrik is. Meeste abnormale resultate word veroorsaak deur n infeksie of behandelbare voorkankeragtige selle, pleks van kanker. Dit neem n lang tyd (10 tot 15 jaar) vir voorkankeragtige selle (letsels) om indringende servikale kanker te word. Veranderinge in hoe gereeld u mediese skema vir siftingstoetse betaal Dit is belangrik om proaktief oor u gesondheid te wees en om seker te maak dat u gepas en verantwoordelik toetse laat doen. Aangesien Mammogramme en Papsmere alle abnormaliteite opspoor (nie net gevaarlikes nie), kan te dikwels toets onnodige bekommernis en selfs onnodige verdere toetse veroorsaak. Remedi se Siftings- en Voorkomingsvoordeel maak soos volg vir siftingsvoordele voorsiening: Alle volwasse vroulike lede het dekking vir: 1x Mammogram elke jaar Beskerm u brein teen beroerte Daar is baie uitstekende redes om elke jaar vir siftingstoetse te gaan. Hoe gouer u veranderinge in u liggaam oplet, hoe vinniger kan u iets doen om u risiko vir sekere toestande te verminder. Wanneer ons u aanspoor om vir siftingstoetse te gaan, noem ons dikwels hoë bloeddruk en hoë cholesterol as risikofaktore vir beroerte. Maar wat is n beroerte en hoe kan u dit herken? Wat is n beroerte? Soms word n beroerte n breinaanval genoem. Dit vind plaas as die brein se bloedtoevoer onderbreek word. Bloed dra suurstof en nutriënte breinselle toe. As die selle nie suurstof ontvang nie, word hulle vinnig beskadig. Net soos n hartaanval die hart beskadig, beskadig n beroerte die brein. Beroertes vind om twee hoofredes plaas: n Bloedklont vorm in n bloedvat en blokkeer n slagaar in die brein n Bloedvat bars in die brein en veroorsaak bloeding op die brein. Elke beroerte is uniek en die effekte verskil gebaseer op die plek in die brein waar die bloedklont was, en vir hoe lank die bloedtoever afgesny is. Na n beroerte kan u nagevolge soos paralise, spierswakheid, en probleme met u sig en kommunikasie ontwikkel. U kan n lewe red as u FAST (vinnig) optree FAST is n eenvoudige manier om die tekens van beroerte te herken. Enige van die onderstaande tekens is genoeg rede om dadelik mediese hulp in te win. Hoe gouer u hulp vir n beroerte kry, hoe minder skade sal die beroerte aanrig en hoe beter is die kanse op herstel. FACE (gesig): Vra die persoon om te glimlag. Hang hul gesig of beweeg een kant minder as die ander? ARMS: Vra die persoon om albei arms bo hul kop te hou. Beweeg een arm nie of sak een arm stadig af? SPRAAK: Vra die persoon om n kort sin te herhaal (soos Dit is n mooi dag in Kaapstad ). Kon die persoon die regte woorde gebruik sonder dat hul tong sleep? TYD: Indien u enige van hierdie tekens sien, bel nooddienste en teken aan wanneer die simptome begin het.. Hoe kan u u risiko vir beroerte verminder? Volg n gebalanseerde dieet, oefen en gaan jaarliks vir siftingstoetse. Dit gee u die geleentheid om u risiko vir baie toestande soos beroerte, te verminder. Nie-rokers het n laer risiko as rokers om n beroerte te kry. Indien u alkohol drink, hou matigheid voor oë. Dit sal u help om u bloeddruk stabiel te hou en u algehele gesondheid te verbeter. 1x Papsmeer elke jaar

8 Wat om te vermy wanneer u reis Moet nie plekke vermy nie, vermy liewer foute wanneer u reis. U droom al van laasjaar oor u vakansie. U het al beplan waar u gaan eindig, wie saamgaan en wie by die huis bly. Of u bestuur, vlieg of per bus of trein reis, is dit n goeie plan om die volgende foute te vermy sodat u die meeste uit u blaaskans kry. MOET NIE: U bril en chroniese medisyne by die huis vergeet nie U mediese toestand gaan orals saam. Dit is n fout om te dink u sal met vakansie genoeg ontspan om nie u medisyne of bril nodig te hê nie. Skeeloog vir padtekens gluur en stadig n vreeslike hoofpyn kry is nie reisavonture nie. Dit is ook nie plesierig om tyd uit u vakansie te neem om by n plaaslike kliniek te sit en hoop u kan oorsee u chroniese medisyne kry nie. Praat met u apteek en stel ons in kennis as u meer as n maand se voorraad medisyne nodig het vir u reis. Per ongeluk n smokkelaar word nie In films is dit opwindend en interessant om iets oor die grens te smokkel. As u met vakansie is, is dit beter om die soort drama te vermy. Net omdat u dokter in Suid-Afrika die medisyne voorgeskryf het, beteken nie dat u medisyne oorsee wettig is nie. In Japan, byvoorbeeld, is van die aktiewe bestanddele in ons pynstillers en verkouemedisyne onwettig. Vind by die ambassade uit of u n spesiale brief van u dokter nodig het om u medisyne saam te neem voor u vertrek. Alles en nog wat pak nie Dit is n versoeking om al alles wat u moontlik nodig mag hê in te pak. U kan dalk iemand se held wees! Of u arms en voete martel. U moet alles wat u inpak ronddra. Pak een week se klere in, en ook iets vir as dit koud is of reën. U kan altyd klere was. Dit is baie lekker om nie n swaar tas rond te sleep nie, en daar is spasie in u bagasie vir al die klein goedjies wat u net moes koop! Fotos verloor nie Na u reis bly die herinneringe en die magdom fotos van alles van u kamer tot n spoegende llama. Een van die slegste dinge wat kan gebeur is dat u u fotos verloor omdat die geheuekaart die gees gegee het of iets met u kamera gebeur het. Maak rugsteunkopieë op geheuestokkies (die skandeerders by die lughawe beskadig dit nie) of laai die fotos op die internet. Wees net versigtig watter fotos u met almal deel. DOEN DIT: Maak seker u het dekking vir mediese noodgevalle oorsee Die wete dat u dekking vir mediese noodgevalle het, kan u die gemoedsrus gee om n bietjie meer waaghalsig te wees. Bestel die eksotiese dis by die oulike restaurant wat u pas ontdek het, of smul aan watertand kos wat u op straat gekoop het. Kontak asseblief Remedi by en bevestig u dekking vir mediese uitgawes en noodgevalle oorsee voor u oorsee gaan. Remedi Medical Aid Scheme. Registrasienommer 1430 word geadministreer deur Discovery Health (Edms) Bpk, registrasienommer 1997/013480/07. Discovery Health (Edms) Bpk is n gemagtigde verskaffer van finansiële dienste. GM_45073DIH_28/03/2017_V1