Problems abroad with health and illness

What is it, how do you do it, with whom, and where do you need to be?

Activities, organizations, preparations, skills, stories or vacancies abroad

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Problems abroad with health and illness

Intro

Problems abroad with health and illness

Avoiding and solving problems with health and illness abroad: Orientation
  • How to avoid malaria, diagnose malaria and what to do during a long stay in a malaria area?
  • How to solve and prevent the 9 most common health problems during backpacking, living, studying, traveling or working abroad?
  • How to stay healthy when you are backpacking, living, studying, traveling or working abroad?
  • Staying healthy abroad, healthcare systems and health insurance abroad
  • What are the most common vaccinations when you you are backpacking, living, studying, traveling or working abroad?
  • What to do when you become dehydrated while traveling, and how dangerous is dehydration abroad?
  • What to do when you get sunstroke or heatstroke while traveling?
How does the healthcare system work across the world?
  • How does the public healthcare system work per continent and per country?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in each region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live somewhere for a while?
Health care abroad: main content and contributions - Bundle

Health care abroad: main content and contributions - Bundle

Content and selected contributions about health care abroad

How to avoid malaria, diagnose malaria and what to do during a long stay in a malaria area?

How to avoid malaria, diagnose malaria and what to do during a long stay in a malaria area?

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What do you have to know about malaria, mosquito's and prevention?

  • Mosquito stings spread the malaria disease.
  • Malaria is one of the most common causes of death in the world and exists in any (sub)tropical area.
  • Malaria is caused by parasites, plasmodium, which are being spread from human to human by a mosquito sting (it can also be spread by blood to blood contact of blood transfusion). These parasites first multiple in the liver and then in the red blood cells.
  • Not all forms of malaria are equally dangerous. Malaria tropica is the most common form of malaria and, in general, the most serious form. It is caused by a parasite, called the Plasmodium falciparum. If malaria tropica is treated properly a person will recover completely. If this disease is not treated on time a person can die in a couple of weeks (depending on the time of diagnoses, in some cases a person can die within a few hours)
  • If you take anti malaria tablets it will reduce the chances of getting malaria dramatically.
  • There are no malaria tablets that offer full protection. The chance that you get malaria while taking tablets is still there.
  • Avoiding mosquito stings will reduce the chance of getting malaria dramatically. You still have to take anti mosquito measures when taking malaria tablets.
  • Malaria is becoming more and more difficult to fight as mosquitoes are becoming resistant to anti-malaria means.
  • Cases of malaria usually occur with travelers (and people who mostly stay abroad) who take no (or insufficient) malaria medicine.
  • Most fatal malaria cases among travelers are caused by an incorrect or late diagnoses.
  • Malaria is extremely dangerous to pregnant women and children. Pregnant women are advised not to go to malaria areas.
  • Malaria does not occur above 2500 meters.
  • In certain countries there can be different malaria recommendations in different areas (such as Thailand, coastal areas much safer than the northern part)
  • Malaria mosquitoes are mainly active at night (although dengue mosquitoes are active during the day).
  • If you take a malaria tablet do keep in mind that you will have to take another dosage when you vomit within an hour.
  • For more information about Malaria please check the WHO, Malaria en de CDC website.
  • Don’t panic; almost every traveler will return home safe and healthy. Take the right precautions and enjoy your trip!

What is Malaria tropica?

  • Malaria tropica is the most dangerous form of malaria. If not treated properly it can lead to death in a couple of weeks. Malaria tropica is caused by a parasite, called Plasmodium falciparum. The fever attacks are unpredictable.
  • If you take the malaria tablets as prescribed, chances of getting malaria tropicana are very slim. When traveling through resistant areas you have to be aware that that malaria can still strike.
  • Malaria tropica is very common in areas such as tropical Africa, South East Asia and South and central America.

What is Malaria tertiana?

  • Malaria tertiana is a form of malaria caused by a parasite, called Plasmodium vivax and/or Plasmodium ovale. This disease is characterized by fever attacks that occur in frequent peaks of 48 hours. The parasites can stay in your liver and cause a “delayed first attack” months or even years later. Malaria tertiana can only be prevented by taking profylaxe.
  • Malaria tertiana can mainly be found in South East Asia, Central and South America and Ethiopia.

What is Malaria quartana?

  • Malaria quartana does not differ from malaria tertiana, except for the characteristic fever attacks that occur every 72 hours (instead of every 48 hours.) Malaria quartana is caused by a parasite called Plasmodim malariae and is a very rare disease.
  • At the moment Malaria quartana is prevented by decent malaria tablets.

What are the symptoms of malaria?

  • Malaria can occur as a severe attack of cold shivers and fever, but also as a feverish feeling with headaches, but without any clear fever. It usually starts as a fever attack, cold shivers, muscles aches and headaches. This symptoms will return frequently every few days, if the infection is not treated. It can also be accompanied with vomiting, diarrhea, coughing and jaundice.
  • It is very important to know that Malaria can spread to different parts of the body in as short as 24 hours!!! Any cold or fever that lasts longer than 2 days should be considered as malaria, until the contrary has been proven. If you think that you might have malaria you have to get your blood tested in the hospital or by a doctor. Malaria can be treated very well as long as it is discovered on time.

What are Malaria tablets (Profylaxe)

  • Which malaria tablets are most suitable for you depends on your destination and the period of your stay. There are different forms of malaria in each area and in some areas mosquitoes can be resistant to anti-malaria tablets.
  • Main Malaria tablets
    • Paludrine (Proguanil-hydrochloride
    • Nivaquine (chloroquine
    • Lariam (Mefloquine)
    • Malarone: (Combination of Atavaquon-Progunail)
    • Doxycycline:
    • Other
      • Fansidar: Not prescribed against malaria because of the serious side effects, but is still used to cure malaria.
      • Maloprim: Due to the heavy side effects only used as a spare remedy.
      • Halofantrine: Due to the side effects it is not used very often any more.
      • Quinine: Used as a treatment against malaria.
      • Artemesia annua (sweet wormwood) natural product available in many tropical countries. It has very little side effects, but it is not tested enough to pass western tests.
      • Qinghaosu: A natural product
      • Arteflene
      • Artemether
      • Artesunate

What to do during a long stay in a malaria area?

There are two options:

  • Keep taking malaria pills, especially Lariam is suitable for longer periods, if you don’t suffer from any negative side effects. This can be expensive.
  • Stop taking malaria tablets. If you do this you have to make sure to: avoid getting stung by mosquitoes. And make sure that you know where to find a doctor or hospital in case you get a malaria attack.
  • PS: Be aware that no matter how long you stay in a malaria area, you do not become immune to malaria. You always run the risk of getting malaria.
How to solve and prevent the 9 most common health problems during backpacking, living, studying, traveling or working abroad?

How to solve and prevent the 9 most common health problems during backpacking, living, studying, traveling or working abroad?

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How to solve and prevent the 9 most common health problems during backpacking, living, studying, traveling or working abroad

1. Acclimatize

  • What ever kind of medicine you take, do keep in mind that for hundreds and hundreds of years people still get ‘tropical frenzy’ (due to food, climate, tiredness, new impressions etc). Take into account that some people just cannot stand tropical conditions. This is something you don’t have to be ashamed about. On your arrival take it easy for a few days, so that you can adjust to the new conditions. Do not start doing heavy duties, make sure that you have a relaxed program.

2. Travel sickness

  • Anti-motion sickness pills are usually indispensable in every medical box, even though you think that you might never get nauseous. A bus ride through the mountains of Nepal, a boat ride in a tropical storm or a flight during rough weather can even break the toughest guys. Also the fact that you will be able to read a book on an eight hour bus ride on a winding road will make anti-motion sickness worth carrying with you.

3. Sun, Heat & Dryness

  • A basic rule for travelers who are going to travel to the tropics is that you need to drink a lot of water, this way you will avoid a lot of problems.
  • Make sure that you urinate enough. This is the best indicator for dehydration. Diarrhea is an important cause for dehydration. A package of Oral Rehydration System (ORS) can create miracles. If you suffer from dry eyes during your flight, bring some cucumber slices and put them on your eyes, or you can buy sleeping glasses/eye mask.

4. Sun allergies & Sun buns

  • In countries near the equator, such as Australia and Indonesia, there are very big chances of getting your skin burned. Every skin gets burned if it is exposed too much to the sun. How long it takes for this to happen depends on what kind of skin you have and where you are (in the mountains and around the equator the sun is much more there). The protection factor (Sun Protection Factor) mostly indicators how long you can stay under the sun. You can duplicate the time you would like to stay under the sun by applying more of the sun cream. During the first days your skin will get burned within 5 minutes without sun cream. If you use sun scream factor 15 than you can stay for about 75 minutes without getting burned to much. Do not take a lot of risk when you are traveling, for your own safety make sure you have done enough research. A backpack might not feel very nice when carrying it, if you are burned. When burned you consume more heat.

5. Sun stabs

  • This comes around because you are loosing a lot of moisture (without you noticing).

Symptoms:

  • Headaches
  • Dehydration
  • Nauseous / throwing up

Treatment to dizziness

  • Get the person out of the sun
  • Cool them down by giving them a cold shower.
  • Drink a lot, or use ORS.

6. Food

  • Do not eat vegetables or fruits that are not washed. You might come across it during your journey. You might consider the possibility of becoming a vegetarian or being very selective with where, when and what kind of meat you eat.
  • Make sure that you always have enough food when you are traveling (it can happen that during a slow bus ride, slow boot ride, closed shops or restaurants you find yourself short of food or drinks).

7. Drinking water & water purification

  • Purifying water has become less and less necessary. Even in the most remote areas, you can buy bottled water. They might not be cheap but water is some that you do not economize, especially in tropical areas, drinking water is very essential.
  • Are you going to the jungle or to mountainous areas, climbing a volcano or are you going to an island where they have limited water supplies, a water purification equipment is the best way to purify tap water.

How can you purify water?

  • Sodium is the best way to purify water, but it will make the taste different from normal water. Tincture of iodine (2%, 4 drops in a liter of water, wait for half an hour before you drink it). Note: Sodium for disinfecting water is not suitable for pregnancy. Chlorine purifies water from viruses and bacteria’s, but not from parasites.
  • Micro infiltration can be found in equipments where water is very shattered. Here the bacteria’s and parasites are caught. Because there are a lot of viruses that still stay behind in the water, micro infiltration is used to capture the remaining viruses that stay behind. A very popular combination is sodium resin and micro infiltration coal brush where the coal brush takes away the chemicals. With this combination also pregnant women can drink the water.

Tips:

  • When you have treated the water, pour it in a cup with a tea bag and let most of the dirt disappear.
  • To boil water abroad it is better to use kettle in combination with a cosmic plug. This way you can make a cup of coffee or tea.
  • When purchasing bottled water make sure that the seal has not been opened; it happens that people sell water that is refilled or water that is not pure for drinking. Try and buy water that have a seal on them.
  • Watch out for local drinks, it can happen that they are diluted with unpurified water.
  • If you have a drink that is open make sure that you have it with you at all times. When asking for ice blocks, first ask from what kind of water they have been made from or just ask for a drink without ice blocks. Freezing does not kill any kind of bacteria.

8. Infections, accidents, Wounds

  • If you are going on a trip to a remote and primitive area it is very convenient to have a variety of antibiotics with you. Discuss with your doctor which ones are the best to take with you.
  • Small skin wounds can grow into a bad infections in the tropics. Treat every wound that you might get very well. Protect infected wounds well from any type of bacteria. If the wound is still there after a couple of days it best to take antibiotics. Watch out for wounds that have been caused by chorister, because this can slowly lead to a very bad infection. Clean it very well and make sure that you get rid of all the chorister that is there.

9. Ticks

  • If you are going to travel in Europe, be aware of ticks. Ticks can be found in forests, gardens and on the beach and can bite into your skin. If a tick is long enough on your skin, you can obtain diseases such as the Lyme disease, CEE or RSSE encephalitis, Ehrlichiose and Fièvre boutonneuse.
  • You can protect yourself from ticks by wearing long sleeves and pants and by using anti-tick spray on non-covered body parts. Always check yourself after spending a day in the forest or on the beach, as young ticks can only be 1 mm.
  • In case you find a tick on your body, remove it with a special tick picker or a tick spoon. Make sure to not damage the tick, as the tick can still inject its poison into your skin. Do not treat the tick with oil or alcohol. However, after you have removed the tick with a picker, you should disinfect your skin with alcohol. If you do not have a tick picker or spoon, you should remove the tick by softly making circles on the tick with a wet finger. After a few minutes the tick will let go of your skin. Make sure to kill the tick between your nails, because the tick is not dead yet.
  • If you have removed the tick within 24 hours, without damaging it, the chances for Lyme disease are small. In case a red circle is developing around the bite, or if you are experiencing symptoms of Lyme disease (head ache, stiff neck, fever etc.), you should contact a doctor.
  • A vaccin excists against CEE or RSSE encephalitis . In some European countries this is even part of the national vaccination program.
How to stay healthy when you are backpacking, living, studying, traveling or working abroad?

How to stay healthy when you are backpacking, living, studying, traveling or working abroad?

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What are the main remarks about staying healthy abroad?

  • Staying healthy during your trip to a foreign country is very important. For each trip you need to think what kind of medicine you have to bring and which extra measures you have to take to stay healthy.
  • Vaccines are not perfect. New vaccines are constantly being released but diseases continue to evolve
  • Some vaccines require a long period to take effect, but it is never too late to vaccinate
  • Health risks within a country can vary from locality to locality and local authorities may be slow to announce outbreaks of disease
  • Common infections contracted by travelers include those which follow contaminated food or water. Find out whether tap water and local food is safe to consume before you depart
  • There are a number of mosquito-born illnesses you can contract while overseas particularly in tropical areas. Be sure to take measures to avoid being bitten such as wearing light colored, loose fitting clothing that covers your arms and legs, regularly applying an appropriate insect repellent and staying in mosquito proof accommodation.
  • Travel websites, such as Lonely planet or Footprint, have useful health information as well.

How can you plan and organize that you stay healthy abroad?

  • The World Health Organization (WHO) recommends that all travelers should be covered from diphtheria, tetanus, measles, mumps, rubella and polio, as well as Hepatitis B, regardless of their destination. Since most vaccines don’t produce immunity until a couple of weeks after they’re given, it is advised to visit a physician a couple of weeks before you travel.
  • Make an appointment with your doctor or travel clinic to have a basic check-up and find out if any vaccinations or health checks are required at least 6-12 weeks before you depart.
  • Not all travelers to countries where there is a potential risk of infection need to be vaccinated but it is important that you discuss your personal travel plans with a doctor so they can determine the correct vaccinations for your trip.

How can you travel with medicine?

  • Before leaving home, you should check that your medications are legal in the country you are visiting. You can do this by contacting the country’s embassy or high commission or by looking at official websites.
  • Since the National Health Act was amended in 1999, it is an offense to carry or post Pharmaceutical Benefits Scheme (PBS) medicines overseas unless they are for your personal use, or the use of someone traveling with you.
  • There are restrictions on the amount of PBS medicine that can be carried or sent overseas. When planning to travel overseas with PBS medicine it is important that you:
  • Talk to your doctor and discuss the medicine you will need to take (if you need to take any medicine at all).
  • Carry a letter from your doctor detailing what the medicine is, how much you will be taking, and stating that it is for your own personal use.
  • Leave the medicine in its original packaging so it is clearly labeled with your name and dosage instructions.
  • If you intend to travel with large quantities of medicine, including over-the-counter or private prescription medications, you should ask your doctor, dentist or pharmacist to provide you with a letter explaining why you need to carry such quantities.
  • If you have to inject your medication it might be preferable to carry your own needles and syringes but you should check with the embassy or consulate of the country you are visiting to make sure that this is acceptable. If you buy needles and syringes while overseas, be sure that you buy packs that are sealed and sterile. If you need to carry needles and syringes with you on the plane, inform your airline before you travel and if necessary, arrange a letter from your doctor explaining why you need to carry them.
  • It is important to be aware that some items purchased overseas may be packaged under a different brand name to those of the country of your destination. Keep an eye on the strength and active ingredients of similar-sounding medications overseas, they can vary.

 

Staying healthy abroad, healthcare systems and health insurance abroad
What are the most common vaccinations when you you are backpacking, living, studying, traveling or working abroad?

What are the most common vaccinations when you you are backpacking, living, studying, traveling or working abroad?

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When to get vaccinations for yellow fever when you go abroad?

  • Yellow fever is a potentially fatal disease carried by certain mosquitoes in parts of South America and Africa. If traveling to these areas you should check with your travel clinic or doctor whether a vaccine is required. Yellow fever vaccine is only available from approved medical practitioners and must be given at least 10 days before traveling to infected areas.
  • Yellow fever is contagious and can be spread by infected travelers, so if you are traveling to a country where yellow fever is a risk, you may need a certificate showing proof of yellow fever vaccination. Without this certificate you may be refused entry to some countries, or required to be vaccinated upon arrival.
  • If you have stayed overnight or longer in a declared yellow fever infected country in Africa or South America, within six days prior to your arrival, you will require a valid international yellow fever vaccination certificate.
  • The World Health Organization closely monitors reports of yellow fever infection and periodically publishes a list of countries where the disease occurs.

When to get vaccinations for diphtheria, tetanus and polio when you go abroad?

  • Vaccination and validity: always recommended for far away destinations and Eastern Europe (also in East Europe)
  • Last minute travelers (=two weeks before departure) who have not received a standard vaccination before: 2 weeks before leaving there are 2 possible injections left. They protect you for a maximum period of 8 months.
  • Last minute travelers who are not going to diphteria endemic areas: If the trip is shorter than two months it is not necessary to get a DTP vaccination, except for persons who have never received the vaccination before. If your trip is shorter than 8 months only persons who have received just one DTP vaccination need an extra one.
  • Background information: Diphtheria is a common disease in certain countries. This bacteria can cause a seriously swollen throat that makes it more difficult to breathe. If this bacteria gets into the blood it can infect the heart and can lead to death. The bacteria can also cause serious skininfections, although this form of dipthteria is less serious. It is highly recommended get a vaccination against this disease.
  • Tetanus is found everywhere around the world. You can get this disease through street dirt, soil, manure or dust getting in a wound. When this happens the poison substances can cause the muscles all over your body to cramp. It can even cause breathing problems leading to death. A vaccination again tetanus every 10 years is recommended.
  • The polio virus is highly contagious. It is passed on through faeces, contaminated food or drinking water. Polio is very common in places of less hygienic places, such as certain areas in Asia and sub-Saharan Africa. Contamination with the polio virus can cause permanent paralysis of the muscles. If it has been more than ten years since you have had your last vaccination against polio you need another vaccination before you leave.

When to get vaccinations for hepatitis A when you go abroad?

  • Vaccination and validity: Recommended when traveling to almost every far away destination. The gamma globulin injection is only effective for a few months and works passively. Nowadays you can also get a vaccination called Epaxal. It works actively for a minimum of 10 years and maybe longer. You can also get a vaccination of Hepatitis A+B (Twinrix) all at once.
  • Background information: Hepatitis is a liver infection caused by bad hygiene or transmitted by infected water or food. It does not only exist in the tropics, but also in Turkey and East Europe.

When to get vaccinations for stomach typhus when you go abroad?

  • Vaccination and validity: Often recommended for Asia and Latin America. There is a medicine that you can swallow and an injection.
  • Background information: It is a life threatening disease of the gastro-enteric channel. This disease is caused by the Salmonella typhus bacteria. This is an infection related to bad hygienes. If you have had your vaccination, it will only protect you for about 70-90%. Therefore, you still need to be careful with what you take in.

When to get vaccinations for hepatitis B when you go abroad?

  • Vaccination and Validity: a form of jaundice. Only high risk groups, (such as doctors, certain expats, and people who have intercourse with different partners) and travelers who are traveling longer than three months in an hepatitis B area need to get this vaccination. It is also possible to get the vaccination for Hepatitis A+B at once.
  • Last minute: It is possible to get an accelerated injection, although this does not give similar protection.
  • Background information: Hepatitis B is caused by a virus spread through blood to blood or through sexual contact. For example non sterile applied piercings, tattoos etc.

When to get vaccinations for Japanese encephalitis when you go abroad?

  • Vaccination and validity: Recommended for people who are going to the countryside in the area between India and Japan.
  • Background Information: Japanese encephalitis is a virus infection that is spread by by mosquitoes. People who are staying on the the countryside for a longer period during the season when the disease is spread run a higher risk.

When to get vaccinations for tuberculoses (TBC) when you go abroad?

  • Vaccination and validity: sometimes recommended to people traveling for a long time to areas where TBC can reign.
  • Details: The procedure is very complicated. Therefore, consult your personal doctor.

When to get vaccinations for rabies when you go abroad?

  • Vaccination and validity: Only recommended to around the world travelers and expats.
  • Details: expensive vaccine

When to get vaccinations for meningitis when you go abroad?

  • Rarely given vaccination and hardly ever recommended

When to get vaccinations for cholera when you go abroad?

  • This vaccination is very rarely given, but some countries do ask for a vaccination stamp. This stamp is available at any vaccination institute.

 

What to do when you become dehydrated while traveling, and how dangerous is dehydration abroad?

What to do when you become dehydrated while traveling, and how dangerous is dehydration abroad?

What is dehydration?

  • Dehydration occurs when your body absorbs less water than it loses. A water shortage develops in your body.
  • Dehydration prevents your body from functioning optimally, which can cause mild to severe symptoms.

What are the consequences of dehydration?

  • A common initial symptom of dehydration is feeling (very) thirsty and having a dry mouth. Dark yellow urine, muscle cramps, and fatigue can also be signs of dehydration, possibly followed later by a headache.
  • Less elastic skin can also be a sign of dehydration. If you pull on your skin, it doesn't spring back into place immediately, but only after almost a second. 
  • More serious symptoms include loss of consciousness, fainting, cold or clammy limbs, confusion, and rapid, irregular breathing or heartbeat.
  • Severe dehydration can lead to a coma.

What increases the risk of dehydration?

  • Drinking too little in hot or warm weather
  • Sweating a lot in hot weather
  • Diarrhea accompanied by fever, nausea, or vomiting can significantly increase the risk of dehydration. You lose fluid through stool, sweat, and vomit simultaneously.
  • Vomiting or fever
  • Urinating frequently

What should you do if you're dehydrated?

  • Dehydration occurs when you lack fluids, essential sugars, and salts.
  • It's important to drink plenty of fluids, such as water, tea, and fruit juice.
  • It's also important to drink something salty, such as broth or ORS. This can also be useful if you are just worried that you are going to get diarrhea.

What should you do to prevent dehydration?

  • Drink water, coffee, and tea without sugar.
  • Continue drinking, even when you're sick (even if it's just a small amount).
  • Reduce sweating, by becoming less active
  • Check your urine color (not too dark).
  • Stay out of the sun as much as possible after experiencing symptoms.
  • Don't drink alcohol.
What to do when you get sunstroke or heatstroke while traveling?

What to do when you get sunstroke or heatstroke while traveling?

What is heatstroke, and is it dangerous?

  • Heatstroke occurs when your body is overheated by the sun's heat. Your body temperature rises above 40 degrees Celsius during heatstroke.
  • Heatstroke usually occurs from being active in the sun on a hot day when your head and/or body are unprotected from sunlight.
  • The risk of heatstroke is higher if you don't drink enough. In dry conditions, you sometimes lose a lot of fluids without realizing it, and your body can no longer regulate your temperature.
  • In high humidity, such as in the tropics, your body can also overheat more quickly.
  • If the early signs of heatstroke, such as dizziness, confusion, and nausea, are ignored, heatstroke can be life-threatening.

What can you do to prevent heatstroke?

  • Adapt your activities to the temperature and humidity. On hot, sunny days, it's best to avoid exercising or walking in the sun between 12 and 3 PM.
  • Covering your head with a cap or hat significantly reduces the risk of heatstroke.
  • Drink plenty of fluids. When you sweat a lot, you need extra salts in addition to water to maintain your fluid balance.
  • During heatstroke, the person experiencing it is often not very sharp and alert, so it's important to take good care of each other.

How can you treat heatstroke?

  • A person with heatstroke has a high body temperature, so the entire body needs to be cooled.
  • Remove the person from the sun and remove excess clothing.
  • Cool the body with water and/or moving air.
  • Heatstroke is also dehydration: give them water, juice, or, if available, an ORS solution.

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How healthcare works Worldwide: questions and answers per country about insurance and the healthcare system

How healthcare works Worldwide: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across the world?

  • How does the public healthcare system work per continent and per country?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in each region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live somewhere for a while?
How healthcare works in Africa: questions and answers per country about insurance and the healthcare system

How healthcare works in Africa: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across Africa? 

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
Access: 
Public
How healthcare works in Asia: questions and answers per country about insurance and the healthcare system

How healthcare works in Asia: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across Asia? 

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
Access: 
Public
How healthcare works in Central America: questions and answers per country about insurance and the healthcare system

How healthcare works in Central America: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across Central America?

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
Access: 
Public
How healthcare works in the Caribbean: questions and answers per country about insurance and the healthcare system

How healthcare works in the Caribbean: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across the Caribbean? 

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
Access: 
Public
How healthcare works in Europe: questions and answers per country about insurance and the healthcare system

How healthcare works in Europe: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across Europe?

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
Access: 
Public
How healthcare works in The Middle East: questions and answers per country about insurance and the healthcare system

How healthcare works in The Middle East: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across The Middle East?

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
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How healthcare works in North America: questions and answers per country about insurance and the healthcare system

How healthcare works in North America: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across North America?

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
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How healthcare works in Oceania and the Pacific: questions and answers per country about insurance and the healthcare system

How healthcare works in Oceania and the Pacific: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across Oceania and the Pacific?

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
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Public
How healthcare works in South America: questions and answers per country about insurance and the healthcare system

How healthcare works in South America: questions and answers per country about insurance and the healthcare system

How does the healthcare system work across South America?

  • How does the public healthcare system work?
  • How does the private healthcare system work?
  • How is the general practitioner arranged?
  • How is the dentist arranged?
  • How is pregnancy care arranged?
  • How safe or unsafe is a trip or stay in the region?
  • What work and travel insurance policies are suitable for short and long stays?
  • What emigration and expat insurance can you take out if you are going to live there for a while?
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Why get specific insurance when going abroad: per activity abroad
What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance, and why take out specific insurance when you go on a trip or vacation?

What is travel insurance to insure your trip or vacation?

  • Travel insurance is insurance that provides coverage for risks during a trip or vacation abroad. This mainly concerns loss of or damage to your luggage, medical assistance in the event of accidents, for example, or repatriation costs if you need to be transported back to your home country urgently. In some cases, travel insurance coverage also applies in your home country.
  • With continuous travel insurance, you are insured for all your trips throughout the year.
  • With temporary travel insurance, you take out insurance for each trip for the duration of the trip.
  • Cancellation insurance reimburses (all or part of) the travel sum, cancellation or accommodation costs if you have to cancel or interrupt your vacation.

Why should you take out travel insurance for a short trip, vacation, or long-distance trip?

  • Travel insurance can provide coverage in the event of an accident or emergency while you are away.
  • Travel insurance can provide coverage for damage and accidents during the adventurous or sporting activities you are going to do.
  • Travel insurance can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance can provide coverage in the event of damage, loss, or theft of your luggage.
  • Travel insurance can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance can provide coverage if you have to return home early because something has happened to you or your immediate family.

What is important to insure when you are going to travel?

  • That you have insurance that is valid in the countries where you are going to travel and possible work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need for a trip or vacation?

 

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance, and why take out specific insurance when you go abroad?

What is round the world travel insurance or long-term travel insurance?

  • Round the world travel insurance means that you take out insurance that continues to provide coverage during all your activities abroad, and which is specifically intended for those who travel for long periods of time, such as world travelers, globetrotters, and nomads.

Why should you take out specialized travel insurance for a long trip abroad?

  • Round the world travel insurance provides coverage for a much longer trip than regular travel insurance.
  • World travel insurance is specifically intended for longer trips, whereas regular travel insurance may offer coverage on paper, but in practice handles it differently.
  • World travel insurance is suitable for many types of activities, ranging from high-altitude trekking to more risky sports.
  • World travel insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you did not take out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance that provides coverage while abroad.
  • Long-term travel insurance continues to provide coverage when your home country's health insurance no longer does.
  • Worldwide travel insurance also covers your medical expenses up to the actual cost, and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • Worldwide travel insurance can also continue to provide coverage if negative travel advice is issued.

What is important to insure when you are going to travel around the world?

  • That you have insurance that is valid in the countries where you are going to travel and possibly work.
  • That you are adequately insured for the sports and activities you are going to participate in during your full period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work or voluntary work during your world trip.

What insurance do you need when backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpack insurance, and why take out specific insurance when you go backpacking abroad?

What is backpacking insurance and travel insurance for backpackers?

  • Backpacking insurance for backpackers means that you take out insurance that continues to provide coverage during all your activities abroad and is specifically intended for those who are traveling for a long time, traveling independently, or making frequent use of local transportation.

Why should you take out travel insurance specifically for backpacking?

  • Travel insurance for backpacking can provide coverage in the event of an accident or emergency while backpacking.
  • Travel insurance for backpacking can provide coverage for damage and accidents during your adventurous or sporting activities.
  • Travel insurance for backpacking can continue to provide coverage if your Dutch basic health insurance no longer provides coverage, or if the damage is only reimbursed at Dutch cost price.
  • Travel insurance for backpacking can provide coverage in the event of damage, loss, or theft of your luggage while backpacking.
  • Travel insurance for backpacking can provide coverage if you are held liable for damage you cause to other people or their property.
  • Travel insurance for backpacking can provide coverage if you have to return home early because something has happened to you or your immediate family while backpacking.

What aspects are important to insure when backpacking abroad?

  • The duration of your trip: so that you are also covered during a very long backpacking trip, or can extend your coverage if you want to stay longer
  • The activities during your trip: so that you can also participate in all kinds of sports and adventure activities that are excluded from travel insurance
  • Coverage of your medical expenses during your trip: so that you are always covered, even if you go to work or if the costs in the event of an accident are higher than the Dutch rate
  • Coverage for natural disasters and war during your trip: so that you don't have to return home immediately with your tail between your legs every time the Dutch government issues negative travel advice
  • Your insurer's specialization: so that your insurer specializes in backpacking trips or long stays abroad, and doesn't treat you like an “all-inclusive sunglasses claimant.”

What insurance do you need when backpacking abroad?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad, and why do you need specific insurance if you are going to do paid work?

What is insurance for working abroad?

  • Insuring yourself for working abroad means taking out insurance that continues to provide coverage during your paid work abroad.

Why take out insurance, and when is normal travel insurance no longer sufficient?

  • There may be several reasons why you need separate insurance for paid work abroad.
  • During your work, local employers generally offer no or limited insurance that does not provide sufficient coverage.
  • The risk of accidents is sometimes greater during your work, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During specific work abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only special insurance policies offer coverage during this type of work.
  • During work, internships, or volunteer work abroad where you receive a salary or compensation (for example, food or housing), your local health insurance coverage will normally lapse. You will then need special insurance to remain insured for illness and accidents.
  • Standard travel insurance policies generally do not provide sufficient coverage to apply for a work visa or working holiday visa.
  • Standard travel insurance policies generally only cover stays abroad for a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that there will be no coverage for the entire travel period.
  • Standard travel insurance policies generally only provide coverage for recreational travel without study, internship, or work. If you engage in activities other than recreational activities, this generally means that you will no longer be covered for the entire travel period.

What should you pay attention to in your insurance policy if you are going to work abroad?

  • Make sure you have insurance that is valid in the area where you will be traveling and working.
  • Make sure you are adequately insured for the sports and activities you will be participating in.
  • that you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • that your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. In most countries, healthcare costs are higher than in the Netherlands.
  • that you insure your luggage and take sufficient precautions against theft or damage.
  • that you are well insured against personal liability.
  • that you are well insured in case of accidents.
  • that you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  •  that you take care to choose the right coverage when working in healthcare, with wild animals, and with dangerous machinery.

What insurance do you need to work abroad?

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work

What is volunteer insurance, and why should you take out specific insurance if you are going to do volunteer work

What is insurance for volunteering abroad?

  • Insuring volunteer work abroad means taking out insurance that continues to provide coverage while you are working as a volunteer abroad

Why should you take out specialized travel insurance for voluntary work abroad?

  • There may be several reasons why you need separate insurance when volunteering abroad.
  • During specific activities abroad, additional requirements may apply if your work involves extra risks. Only specific insurance policies offer coverage during these activities.
  • The risk of accidents is sometimes higher during your work, for example because you are doing work you have little experience with or because of the nature of the work.
  • Local projects or employers generally offer no or limited insurance that provides insufficient coverage during your work.
  • When volunteering abroad and receiving minor financial compensation (or, for example, food or housing), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational travel without voluntary work activities. If you engage in activities other than recreational activities (such as volunteer work), this generally means that for the entire travel period, you will not be covered.

What is important to insure when you are going to work as a volunteer abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and volunteer.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That when performing work in healthcare, with wild animals, and with dangerous (agricultural) machinery, you take care to choose the right coverage.

What insurance do you need when volunteering abroad?

Why should you take out specialized travel insurance for an internship abroad?

Why should you take out specialized travel insurance for an internship abroad?

What is insurance for an internship abroad?

  • Insuring an internship abroad means taking out insurance that continues to provide coverage during your internship abroad
  • Insurance for internships abroad are also referred to as internship insurance. This internship insurance is specifically for when you go abroad for a long period of time to work as an intern, take courses, or conduct research abroad.

Why should you take out specialized travel insurance for an internship abroad?

  • There may be several reasons why you need separate insurance for an internship abroad.
  • During internship activities abroad, additional requirements may apply as soon as you start performing work that involves additional risks. Only specific insurance policies offer coverage during these activities.
  • During your internship, the risk of accidents is sometimes greater, for example because you are doing work with which you have little experience or because of the nature of the work.
  • During your internship, local employers generally do not offer insurance, or offer limited insurance that does not provide sufficient coverage.
  • During an internship abroad where you receive financial compensation (or, for example, food or accommodation), your home country's health insurance coverage will potentially lapse. You will then need special insurance to remain insured for illness and accidents.
  • Regular travel insurance policies generally provide coverage for trips of a limited number of days. If your trip or stay abroad exceeds the maximum number of days, this generally means that for the entire travel period, you will not be covered.
  • Regular travel insurance policies generally only provide coverage for recreational trips without work activities.

What is important to insure when you are going to be an intern abroad?

  • That you have insurance that is valid in the area where you will be traveling and doing your internship.
  • That you are adequately insured for the sports and activities you will be participating in.
  • That you are insured for emergency assistance and early return in case something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost (what it actually costs), and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability and, preferably, also for liability during your internship.
  • That you are well insured in case of accidents.
  • That you insure yourself for legal assistance if there is an immediate reason to do so, unless the coverage is already automatically included in the insurance.
  • Make sure you choose the right coverage for internship work in healthcare, with wild animals, or with dangerous machinery!

Check out more about international insurances

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad, and why should you take out specialized travel insurance for your education abroad?

What is insurance for studying abroad?

  • Insurance for studying abroad means that you take out insurance that continues to provide coverage during your studies, your education, and your related activities abroad.
  • Insurance for studying abroad is also referred to as study insurance. This study insurance is specifically for when you go abroad for a long period of time to take courses, study, or conduct research abroad.

Why should you take out specialized travel insurance for a study abroad?

  • Study insurance is specifically designed for studying abroad, whereas regular travel insurance policies may offer coverage on paper but handle this situation differently in practice.
  • Study insurance offers coverage for longer stays than regular (vacation) travel insurance.
  • Study insurance is also suitable for many types of activities, ranging from various sports to hiking at high altitudes.
  • Study insurance continues to provide coverage if you start working during your trip, whether planned or unplanned. If you have not taken out insurance before departure that allows you to work, there is no guarantee that you will be able to take out insurance abroad that provides coverage.
  • Study insurance continues to provide coverage if your own country's health insurance no longer provides coverage.
  • Student insurance also covers your healthcare costs above the rates in your own country; with regular insurance, you have to pay the extra costs yourself.
  • Student insurance can also continue to provide coverage if (study) visa issuers impose additional requirements on how you insure yourself, for example if you are going to the US and applying for a J-1 visa.
  • Student insurance continues to provide coverage if you are staying abroad for a longer period of time and want to visit your own country in between.

What is important to insure when you are going to study abroad?

  • That you have insurance that is valid in the country or countries where you are going to travel and work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you insure your luggage and take sufficient precautions against theft or damage.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you only insure yourself for legal assistance if there is an immediate reason to do so, unless coverage is already automatically included in the insurance.
  • That you pay close attention to choosing the right coverage when performing work alongside your studies.

Check out more about international insurances

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance or emigration insurance, and why specifically take out insurance if you are going to do move abroad?

What is an expat insurance?

  • Expat insurance is insurance that continues to provide coverage if you go to work abroad for a local or international employer for an extended period of time.
  • Expat insurance is not only intended for expats, but for anyone who has a more permanent job abroad.

What is an emigration insurance, or insurance for moving and living abroad?

  • Emigration insurance is an insurance that continues to provide coverage if you move abroad permanently or for an indefinite period of time.
  • Emigration insurance is not only intended for emigrants, but for anyone who leaves their home country for an extended period of time and does not intend to return in the foreseeable future.

Why should you take out specialized insurance for emigration or working as an expat abroad?

  • Emigration or expat insurance not only provides coverage for acute assistance in the event of illness or accident abroad, such as travel insurance, but can also provide coverage for existing conditions and ailments or non-urgent care.
  • Emigration or expat insurance does not require you to maintain valid health insurance in your home country.
  • Emigration or expat insurance provides coverage for preventive care or costs related to pregnancy and childbirth.
  • Emigration or expat insurance also provides coverage for long-term treatments and chronic conditions without you having to return to your home country.
  • Emigration or expat insurance often has no restrictions on the duration of the insurance, unlike travel insurance.
  • Emigration or expat insurance usually maintains coverage in cases such as negative travel advice or acts of war.
  • Emigration or expat insurance offers various solutions in the areas of disability, home and household insurance, goods transport, and liability.

What is important to insure when you are going to move abroad?

  • That you have insurance that is valid in the country or countries where you are going to live and/or work.
  • That you are adequately insured for the sports and activities you are going to participate in during your period abroad
  • That you are insured for emergency assistance and early return if something happens to you or your immediate family.
  • That your medical expenses are insured up to the actual cost and not just for the standard costs. The costs per medical treatment vary greatly between countries.
  • That you are well insured against personal liability.
  • That you are well insured in case of accidents.
  • That you pay close attention to choosing the right coverage when performing work with additional health risks

When can you also live abroad for a longer period of time with travel insurance?

  • There are also special expiring travel insurance policies that provide coverage without you having valid health insurance in your home country, however, these travel insurance policies are not intended for emigration or expats, but for stays outside your home country of up to a few years, for study, temporary work, volunteer work, and longer trips.
  • See the information at International Insurances for backpacking and travel abroad

What insurance do you need for emigration or working as an expat abroad?

International insurance through JoHo Insurances and JoHo WorldSupporter

International insurance through JoHo Insurances and JoHo WorldSupporter

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Table of content

  • Why should you take out insurance through the JoHo Foundation when you go abroad?
  • Insuring activities abroad:
    • internships, studying, volunteer work or paid work
    • backpacking, holiday, travel or round the world
    • emigration, living abroad, working as expat
  • Insurances for abroad: per insurance 
  • Insurances for abroad: per organization
  • How healthcare works
......Read more on this page

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From language courses to gap year abroad, from work experience to volunteering abroad, from paid work to internship abroad, from mountaineering to diving and from backpacking to travel around the world

    What social activities can you do abroad?

    • Opportunities are found in the areas of helping, learning or studying. You can get involved to volunteer in a social project at a school in Africa, Asia or Latin America. You can get involved in nature, in a project with animals or cleaning the sea or beaches. Those who want to learn more can choose for example a language course in Latin America, Spain or South Africa.

    What work related activities can you do abroad?

    • If you want to gain work experience, and/or also earn money, go and work abroad. You can combine backpacking in Australia with temporary work. You can work on campsites in Europe or bush camps in Africa. You can pretty much go all over the world to work in the hospitality industry, hotels and hostels, in the healthcare sector or for example at a diving school.

    What sports activities to do abroad?

    • Have you ever thought of mountain biking, rafting (going down a wild river on a raft or rubber dinghy, climbing or canoeing), survival (which involves building rafts, climbing or canoeing), abseiling (descending a rock face while secured to ropes), zip-lining (whizzing down a cable), canyoning (starting at the top of a river and then climbing, swimming, diving down the bed) or caving (scrambling, wriggling and crawling through caves and crevices)?
    • Maybe you feel more comfortable on a bodyboard (on a half-wave surfboard, you surf the high waves lying down-with flippers), on a hang glider or while paragliding (with a parachute you float down a mountain or dune), hydrospeeding (on a bodyboard with flippers and a wetsuit on you go down a wild river via rapids) or Tiefschneeskiing (racing down through powder snow)?

    Check the pages below for more activities and inspiration and where to go and how to arrange it

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