International Living and Travel Advisor

A Personal Account of a Mother Having a Baby in Ecuador

2012-02-21T13:30:00.001-07:00

I enjoy reading blogs written by expatriates describing their (new) experiences living abroad. When relocating to a new and foreign country, there is bound to be a time of transition and expected culture shock. I was reading the Expat Reports over on ExpatExchange.com and came across an expatriate mother giving birth to her new child after relocating to Otavalo, Ecuador. I've included an excerpt and you can find the entire interview on the website.

Describe your experience giving birth there. What type of facility did you go to? What (if any) type of pain management did you use? How long did you stay in the hospital? Was it a positive experience? Etc...

I gave birth to my little baby girl in the main hospital in Otavalo, Ecuador. I had been told that in the clinics I could get better attention, but also that sometimes the doctors tell the women that they need C-Sections just because they earn more money from the surgery. I couldn't afford the clinic costs and the hospital is free, so I decided to go there. What I encountered was a large room full of women waiting to have their babies, separated by thin sheets and a few midwives and nurses running between each sector to assist the women. No pain medication is given in the hospital, so it was all natural. When women are at the point of given birth they're led to the surgery room which, thankfully, only allows one woman at a time. I was given the choice to give birth laying down, sitting up or standing, as many of the indigenous Ecuadorian women do. The whole experience was hard and long

Definitely a little more primitive and not like the U.S. The expat also advises you check out the medical facilities prior to moving to your final destination. As a Global Citizen or Global Navigator international health insurance policy holder, you have access to Country and City Health Profiles and find out more information on the quality of medical care including pharmacies. For example, in Ecuador:

Pharmacies are readily available in any city. However, you might find that the availability of some medications is sporadic, and formulations and brand names will differ from products available in the United States. Narcotics and tranquilizers are extremely limited in availability. Pharmacy staff sometimes prescribe and dispense medications. These individuals often have little training and prescribe broad-spectrum antibiotics and other inappropriate medications. You should not seek medical advice from them.

For U.S. Expatriates living in Ecuador or plan to relocate to Ecuador, we highly recommend purchasing an international health insurance policy which provides emergency medical evacuation and covers medical expenses if you need to seek care outside of Ecuador. Contact Insurance Services of America for a travel health insurance quote. Call us at (800) 647-4589 and (480) 821-9052 for a no obligation quote.

Atttention Expats - Don't Forget to Register to Vote

2012-02-02T14:58:00.000-07:00

New absentee voting laws are in effect for the 2012 elections! You will no longer automatically receive ballots based on a previous absentee ballot request. All U.S. citizens outside the United States who want to vote by absentee ballot in the 2012 primary and general elections must complete a new Federal Post Card Application (FPCA) every year if they wish to vote from abroad. States are now required to send out ballots 45 days before an election. No matter what state you vote in, you can now ask your local election officials to provide your blank ballots to you electronically (by email, internet download, or fax, depending on your state). You can now also confirm your registration and ballot delivery on-line. Be sure to include your email address on the form to take advantage of the electronic ballot delivery option.

Overseas Vote Foundation has an easy to use step-by-step procedure to obtain your registration material on-line. Go to http://www.overseasvotefoundation.org/

You can also learn more at the Federal Voting Assistance Program's (FVAP) website http://www.fvap.gov/

Note: Participation in party presidential caucuses by overseas voters is not protected by federal law and requires in-person attendance in most cases. If the party you are affiliated with selects presidential nominees by caucus in your state, contact state party officials for further information.

Featured Country - Brazil

2012-01-09T10:07:00.007-07:00

Brazil will host the football World Cup in 2014 and the Olympics in 2016. The country has launched many large-scale infrastructure projects for these events that offer lucrative business opportunities for foreign companies. Take a look at the U.S. Commercial Service’s special web pages that list opportunities related to these events.

According to the FITA: The Brazilian Ministry of Commerce recently announced that the country had a trade surplus of around 30 billion USD in 2011, an increase of 47.8% over 2010. Exports of goods increased by 26.8% to USD 256 billion, while imports rose 25.7% to USD 226 billion . It is the largest trade surplus since 2007.
In 2011 Brazil became the sixth global economy in terms of GDP, ranking ahead of countries like the United Kingdom, Italy, Canada and Spain. The country has particularly benefited in recent years from strong global demand for soybeans and iron ore, which are among its leading exports. In addition, the Brazilian government has implemented tax incentives to promote exports.

The United States is the second-largest market for Brazil, with 6.6% of total exports of the country. The US is also Brazil’s largest supplier, with 15% of imports. In March 2011, President Obama and President Roussneff signed a cooperation agreement to promote economic and trade exchanges between the two countries.

Two areas were identified as priorities:

- Energy: The United States wants to become a strategic energy partner of Brazil, which recently discovered new offshore oil reserves;

- Infrastructure: Washington seeks to invest in major projects, including through partnerships between U.S. and Brazilian companies.

For more information on trade relations between the United States and Brazil

• The Brazil-U.S. Business Council

• 2011: US trade with Brazil on the Census Bureau's Website

• The US-Brazil Economic Relationship on the White House Website

• A Brookings Institution report on US-Brazil trade relations

To assist you in your business in Brazil:

• The Brazilian-American Chamber of Commerce

• The US Commercial Service in Brazil

• The Embassy of the United States in São Paulo

• ACEB - Brazilian Business Trade Association

• Trends of Doing Business in Brazil in 2011 - (Pocket Guide 2010/2011) on the South African Department of Communication and Information System's Website

• SEBRAE - A Brazilian government agency that supports business development for small and “mirco” enterprises

Trade shows in Brazil:

• Hospitalar, leading medical trade fair in Latin America - Sao Paulo - 05/22/2012 - 05/25/2012

• 28th Fispal, Latin America's largest trade show dedicated to the food service industry - Sao Paulo - 06/25/2012 - 06/28/2012

• Rio Oil & Gas, leading industry exhibition and key entry point into the Latin American market - Rio de Janeiro - 09/17/2012 - 09/20/2012

Department of State Consular Information Sheet for Brazil - Medical care is generally good, but it varies in quality, particularly in remote areas, and it may not meet U.S. standards outside the major cities. Expatriates in Brazil regularly use the Albert Einstein Hospital in Sao Paulo. It is inspected and certified by the Joint Commission International and offers international service assistance. The hospital phone is (55-11) 3747-1233. Prescription and over the counter medicines are widely available. Emergency services are responsive. Travelers may call a private ambulance company or call 193 and request an ambulance for a public hospital. Callers must stay on the line to provide the location as there is no automatic tracking of phone calls.

Adam Bates from Insurance Services of America recommends reviewing your current health insurance policy to ensure it covers local medical expenses in Brazil and more importantly, your policy should cover emergency medical evacuation insurance which provides medical transportation when local care is not adequate. If your current insurance policy does not cover medical expenses while you are traveling, then your can purchase travel medical insurance from the friendly people at Insurance Services of America. Call them for a quote at 800.647.4589 or 01.480.821.9052.

Many insect borne-illnesses are present, including Yellow Fever, Malaria, Dengue, and Leishmaniasis. Insect precautions are encouraged in all areas of Brazil. Schistosomiasis is present in many areas. Travelers should avoid freshwater exposure.

The CDC recommends Yellow Fever vaccination for persons over 9 months of age for travel to all rural areas of all states, including Iguaçu Falls tourist resorts, and for travel to Brasilia and Belo Horizonte. Cities in jungle areas are considered rural, not urban, in nature. Yellow fever is not a currently thought to be a risk for travel to major coastal cities from Fortaleza to the Uruguay border, including the major tourist/business destinations of Sao Paulo, Salvador, Rio, Recife, and Fortaleza. However, there has been a recent increase in yellow fever cases, including deaths, in Brazil. This has involved some areas in Brazil not previously at risk, such as the southern state of Rio Grande do Sul. Travelers are advised to consult with their medical provider or travel clinic for up to date advice on the risks versus the benefits of yellow fever vaccination.

Dengue fever is an infection transmitted by the mosquito aedes aegypti and is an affliction seen in many parts of Brazil. The typical "season" for dengue is from December to June, but it is possible to be infected at any time of the year. An increase in dengue fever cases in early 2008 led to a number of deaths, mainly around Rio. In early 2009, an outbreak occurred in Belo Horizonte. In late 2009, tests in Fortaleza found larvae of the aedes aegypti mosquito present in 95% of the city's neighborhoods.

Malaria is present throughout the year in forested areas of the Amazon region. There is also some risk on the periphery of cities and towns in the Amazon region. There is little to no risk of malaria in all other areas of Brazil.

Tuberculosis is an increasingly serious health concern in Brazil.

Plastic and other elective/cosmetic surgery is a major medical industry in Brazil. While Brazil has many plastic surgery facilities that are on par with those found in the United States, the quality of care varies widely. Make sure when arranging plastic surgery that emergency medical facilities are available, as some "boutique" plastic surgery operations offer luxurious facilities, but are not hospitals and are therefore unable to deal with unforeseen emergencies.

Several U.S. citizens have died while visiting non-traditional healers outside of urban areas. While this is not surprising given that this type of treatment often attracts the terminally ill, U.S. citizens are advised to ensure they have access to proper medical care when visiting such sites.

In the unfortunate event of a death, relatives or friends of any deceased U.S. citizen are advised to immediately contact the U.S. Embassy in Brasilia or the U.S. Consulate in Sao Paulo, Rio de Janeiro, or Recife, and not to contract with local mortuary services before seeking embassy assistance.

Sao Paulo is the largest city in Brazil and the seventh largest metropolitan area in the world, with a population of more than 19.8 million people. As the biggest financial center in the country, the city is the 10th richest city in the world and expected to become the 6th richest by 2025. Sao Paulo's economy was originally based on a strong industrial sector, but has become increasingly dependent on the tertiary sector, focusing on commercial services for Brazil. It is home to a large number of foreign corporations as well as the Sao Paulo Stock Exchange and many landmarks, including the Paulista Museum, the neo-gothic Metropolitan Cathedral, and the Octavio Frias de Oliveria Bridge.

While Sao Paulo remains one of the region's most dangerous cities, according to Altegrity Risk there has been a marked improvement in the security environment. Since 1999, when the city recorded 35 homicides for every 100,000 residents, there has been a 70.3% decline in the homicide rate; police statistics in February 2011 report a rate of 10.47 homicides per 100,000 inhabitants. Armed robbery, carjacking, kidnapping, and extortion are all reported on a daily basis in the city. Foreign nationals are not explicitly targeted by criminals in the majority of incidents; however, during the annual Carnival each February, there are typically a rash of robberies and muggings of foreign nationals. In February 2010, five men armed with machetes and handguns assaulted nine tourists at a beach house and locked the victims in the bathroom before pillaging through household valuables.

There is a high risk of robbery in Sao Paulo, including commercial and residential burglary, mugging, carjacking, and vehicle theft. In early 2010, authorities reported that fatal muggings in Sao Paulo had increased by 45% in 2009, with 100 people killed in such crimes. Meanwhile, all robberies, excluding bank assaults and vehicle thefts, had jumped 13% the same year, with 123,482 incidents reported. Police in June 2011 arrested nearly 30 people in connection with a series of ATM heists that left some parts of Sao Paulo with limited access to cash. Five current or former police officers were arrested in the operations, and investigators suspect that another two dozen police may be involved. Around 60 banking machines have been blown up, torched, or otherwise broken into in the metropolitan area. Weapons are easily obtained in Brazil and criminals in Sao Paulo are typically armed and willing to use violence. In November 2010, a professional soccer player was shot dead by gunmen as he arrived at his Sao Paulo home during a robbery attempt. Separately, a popular Brazilian cartoonist and his son were killed during a burglary on his residence in Sao Paulo's Osasco suburb in March 2010. Unidentified gunmen reportedly shot the victims after forcing their way into their home.

Transportation-related crimes are frequently reported in Sao Paulo as well. Foreign nationals are advised to always park vehicles in safe areas, preferably secured garages or guarded parking lots. Carjackings typically involve extreme violence and victims are often left injured or dead. In November 2010, a British race car driver narrowly escaped a carjacking attempt in the city when five or six armed men approached his armored car in a traffic jam. However, the foreign national's driver, an undercover police agent, made a quick escape through the traffic jam. Local reports suggested that several of the race car driver's teammates had been targeted the same day in similar carjacking attempts. Foreign nationals are advised to use armored cars if possible and whenever stopped at a traffic light or in a traffic jam, always leave enough room between vehicles to make a quick escape.

There is a high risk of kidnapping in Sao Paulo, where authorities reported that the crime had doubled in 2009, when there were 23 reported incidents. Kidnapping throughout Brazil is significantly underreported due to fears that kidnappers may harm the victims if the crime is reported to police, therefore, the number of incidents in Sao Paulo is believed to be significantly higher. In August 2010, police dismantled a kidnapping ring that used social networking sites to identify wealthy targets. The gang allegedly used profile information to track victims to their jobs or favorite bars. The gang was first uncovered after police rescued a 19-year-old being held hostage by the gang. Four months earlier, a 13-year-old boy was released by kidnappers in Ferraz de Vasconcelos one month after he was snatched. One person was arrested after he attempted to contact the family for a ransom payment.

Adam Bates from Insurance Services of America advises if you are traveling on businesss or with a high profile organiztion, then consider purchasing a standalone Kidnap and Ransom policy which provides ransom, negotiations and will orchestrate extractions in the event of a kidnapping.

Express kidnappings are the most frequent type of kidnapping reported in Sao Paulo. In the majority of express kidnappings, a victim is snatched, often at random, from the street or from a vehicle and forced to empty their bank account before being released. Such incidents are typically shorter and involve a smaller ransom payment than a traditional kidnapping, but occur more frequently and target a wider variety of victims. In April 2010, a pharmaceutical executive was killed during an express kidnapping in Sao Paulo's Jabaquara neighborhood. Police reportedly saw the kidnapping unfold and began chasing the kidnappers, but failed to keep up with the suspects and the victim was found shortly later after being shot in the neck. Four months earlier, kidnappers stormed the home of a businessman on the outskirts of the city and abducted him after tying up his family. The victim was forced to withdraw an undisclosed amount of cash from an ATM before being released.

Gang violence has become a major concern in Sao Paulo following a series of attacks by the First Capital Command (PCC) group in 2006. The massive criminal organization is largely run by imprisoned gang leaders who communicate with their followers via smuggled cell phones. The gang first struck during the May 2006 Mother's Day holiday, and staged a series of coordinated prison riots and attacks directed at security forces. In the space of a week, gang members launched 293 attacks against targets ranging from police residences to buses and banks, which left 41 police officers, 107 suspected gang members, and four civilians dead. The attack left the city paralyzed, with residents terrified to travel after dark. While PCC has not successfully launched similar large-scale attacks since 2006, they continue to operate in Sao Paulo. In August 2010, PPC members attacked the headquarters of the police's special operations. Ensuing clashes between police and PPC members left at least one gunman dead and several others arrested. In response, the gang set fire to at least 10 vehicles throughout the city.

Civil unrest is frequently reported in Sao Paulo, although the majority of protests, strikes, demonstrations, and rallies remain peaceful. Nonetheless, a number of protests do turn violent. In May 2011, Brazilian riot police fired tear gas to break up a protest in support of the legalization of marijuana in the city's financial district. A court ruled the march was illegal and six people were detained. Meanwhile, the majority of protests are likely to cause transportation problems for residents and visitors to the city. In June 2011, two Sao Paulo public transportation unions launched a work stoppage that affected hundreds of thousands of commuters. The strikes hit a number of subway lines as workers demanded wage increases.

There has been growing tension between residents of Sao Paulo's favelas, or slums, and police, often leading to clashes. In September 2009, rioting erupted in the Heliopolis favela after police killed a 17-year-old during a police chase. Police used tear gas and rubber bullets to disperse rioters who set fire to buses and cars and blocked roadways. Separately, residents in the Itaim Paulista neighborhood launched a protest against recent flooding that destroyed dozens of homes. Protesters filled roadways with furniture and set objects on fire, hampering traffic. The demonstration lasted for five hours until police intervened and fired tear gas into the crowds.

Foreign nationals should avoid soccer games if possible, as clashes, protests, and violent incidents are common in and around stadiums. In February 2010, one person was killed and 20 others injured following a game as rival fans clashed on six separate occasions during the evening. In a separate incident, one person was killed and 130 others detained when rival soccer fans launched riots in the city in June 2009. Fans of one of the teams reportedly attacked rival fans, sparking clashes that spread throughout the city.

While the risk of terrorist attacks in Sao Paulo is low, reports in December 2010 indicated that the city is home to at least one terror cell. According to the report, which was released by a controversial whistle-blowing website, the Brazilian government is closely monitoring about 20 people with alleged links to militant groups Hezbollah and Islamic Jihad. The case was reportedly investigated by the Federal Police and the Brazilian Intelligence Agency, which were alerted by their U.S. counterparts. The individuals were all of Brazilian nationality, converted to Islam, and lived in Sao Paulo and Rio de Janeiro. The CIA allegedly believed that "they were recruited to learn how to establish political or armed cells." The report also suggested that the Brazilian government was purposely downplaying the risk of terrorism in Brazil in order to preserve its reputation, despite the presence of such groups. While terrorists are unlikely to plot attacks against interests in Sao Paulo, the city may be used as an operations base to plot attacks in other cities in the region.

Sao Paulo is often affected by natural disasters, with heavy rains, flooding, and landslides frequently reported. In January 2011, numerous cities were inundated with heavy rains causing landslides which claimed hundreds of lives. While the worst affected area was Rio de Janeiro state, heavy rains led to more than one dozen being killed in Sao Paulo. Main roads in the city were cut off by mudslides and the city government estimated that 100,000 people were displaced.

Military and civil police are well-trained; however, widespread corruption in these units that often inhibits emergency response. Police have been linked to a number of bribery and extortion attempts. In April 2010, two police officers were arrested for bribing a businessman in the city and demanding 50,000 reais (US$28,000) for not arresting him on purportedly false charges. Meanwhile, police have also been affiliated with death squads, often leading such gangs. In June 2010, 17 police officers in the state were arrested for their involvement in a death squad that had killed 23 people in late April.

Most Dangerous Areas

Crimes against foreign travelers tend to be most often reported in areas surrounding hotels, discotheques, bars, nightclubs, and other establishments that cater to visitors, especially during the evening hours. Stoplights are also dangerous, as the city has a high rate of armed robbery targeting idle motorists and pedestrians.

The entire metropolitan area of Sao Paulo is considered dangerous for both walking and driving, particularly after dark. Car thefts and break-ins are common in Sao Bernardo do Campo's commercial district. Neighborhoods popular with foreigners are especially vulnerable to crime, including Itaim-Bibi, along Avenida Paulista, and the Italian quarter of Bixiga. The suburban area of Santo Amaro is also a target of thieves. Avoid known trouble areas such as the Praca da Sao Rua Augusta north of Avenida Paulista, the Estacao de Luz metro area, and the Praca da Republica (downtown area), especially after dark. All travel to the city's poorer neighborhoods (favelas), including Parque Selecta and Jardim Aracati, should be avoided.

How They Celebrate Christmas in Santiago Chile

2011-11-30T10:47:00.002-07:00

A expat living in Santiago, Chile wrote a very interesting post over Expat Exchange. Chile is south of the equator so Christmas is right in the middle of summer and end of the school year. Traditional U.S. festivities, baking cookies and decorations are not the norm and the focus of Christmas is mostly religious.

The main attraction in the home is the creche or "pesebre" with the baby Jesus missing from the manger until midnight Christmas Eve. Families will have holiday meals. Frozen turkey is beginning to become popular, but given it's summer many choose cold plates of meat, or asados/barbeques. The holiday drink is cola de mono, made with aguardiente, sugar, milk, coffee and spiced with cloves, cinnamon and orange zest. As midnight arrives the families may attend midnight mass. When they return the baby Jesus is placed in his spot and the presents are ripped opened.

Bathing suits are more popular than scarves, gloves and coats and water skiing is more popular than snow skiing as families head to the beach to try and cool off. Read more about Christmas in Chile at ExpatExchange.com.

Have a Merry Christmas!

Featured Country: Canada

2011-09-29T15:10:00.000-07:00

The United States and Canada are negotiating a new border agreement that should result in alignment of security procedures on both sides of the border and harmonize cross-border regulations. Notably the agreement provides for common product inspection and data sharing between U.S. and Canadian Customs.

The stakes are high: Canada and the United States have the world's largest trading relationship and the two countries share more than 5,000 miles of border. Cross-border trade is estimated at nearly USD 500 billion each year. In 2010, Canada was the largest market and second-largest supplier of products to the United States. The United States was the largest trading partner of Canada, both exports and imports. Nearly three-quarters of Canadian exports (by value) are imported into the United States.

This agreement should allow better access to U.S. markets for Canadian exporters who deal with many compliance issues when bringing their products to the United States. Harmonizing regulations should also allow U.S. companies to reduce costs of transporting goods. The American Trucking Association has welcomed the progress made and stated that the agreement was an important step in increasing competitiveness on both sides of the border, a view shared by the Canadian Trucking Alliance.

For more information on U.S. and Canadian Border Services:
• The Canada Border Services Agency
• The U.S. Customs and Border Protection

To help you do business in Canada:
• Canadian Trade Commissioner Service
• U.S. Commercial Service in Canada
• The Canadian-American Chamber of Commerce
• The American Chamber of Commerce in Canada
• Canada Business Directory - Search a Company in Canada
• Canadian Association of Importers and Exporters
• Doing Business in Canada: A Guide for U.S. and International Investors Health Information for Canada - Vaccination and Health Risks

Your doctor can give you important advice and prescribe vaccines and medications to help you stay safe while traveling abroad. The following are vaccinations and medications you and your physician may wish to consider before travel to Canada.

To have the most benefit, see a doctor at least 4-6 weeks before your trip to allow time for your vaccines to take effect. If you are leaving sooner, it is still important to see a doctor as soon as possible for vaccines, medications and information about how to protect yourself from illness and injury while traveling.

Your doctor will make specific recommendations, depending on your health and immunization history, areas of the country you will be visiting, planned activities and other factors. If your travel plans will take you to more than one country during a single trip, be sure to let your health-care provider know. Long-term travelers, such as those who plan to work or study abroad, may also need additional vaccinations as required by their employer or school.

If you have a chronic medical condition, share your travel plans with any doctors who are currently treating you.

Vaccine or Disease Risk Vaccination or Treatment Recommendations

Routine Recommended if you are not up-to-date with routine shots such as, measles/mumps/rubella (MMR) vaccine, diphtheria/pertussis/tetanus (DPT) vaccine, poliovirus vaccine, etc.

Hepatitis A Not endemic

Hepatitis B Recommended, especially for those who might be exposed to blood or body fluids, have sexual contact with the local population, or be exposed through medical treatment (e.g., for an accident).

Japanese Encephalitis Not endemic

Malaria Not endemic

Meningococcal Meningitis Not endemic

Rabies Not endemic

Typhoid Not endemic

Yellow Fever Not endemic

Pharmacy Information

In Canada, what is known as a pharmacy in the United States is also referred to as a pharmacy. Pharmacies are recognizable by an RX, or a caduceus or a mortar and pestle displayed on a sign outside or within the store window.

In general, pharmacies in Canada are very reliable. That is, they dispense the proper medications and the drugs themselves are of a high quality. The pharmacists themselves are trained professionals with degrees in their field. Pharmacies can be used for all of your prescription and over-the-counter drug needs. Pharmacists cannot distribute prescription medications without authorization from a doctor.

Regular business hours for pharmacies vary, with some open 24 hours in large cities. Many supermarkets have pharmacies, as well as some discount department stores, such as Zeller's and Walmart. Some supermarkets also have pharmacies, such as Sobey's and Loblaw's. A listing of local pharmacies open outside of regular business hours can be found in the local newspaper and on lists found in the pharmacies. There are several well-known chains of pharmacies in Canada that are reliable, these include Rexall and Shoppers Drug Mart.

Regardless of the pharmacy situation in any country, it is always advisable to bring enough medication to last through your trip. Be sure to carry it with you rather than trusting it to checked luggage (many frequent travelers bring a double supply of medication and pack each in different bags). It is also advisable to carry extra prescription sheets written by your doctor (with the generic names) in case you need refills during you trip and to show at customs as proof of the medication's identity and necessity. Always remember to check the expiration dates on all medications, whether they are from home or abroad. Depending on where you are traveling, you may also want to carry an anti-diarrheal medication and/or ask you physician for an appropriate anti-diarrheal prescription, as a precautionary measure.

If you are traveling or relocating to you Canada, then we recommend reviewing your health insurance policy to ensure your coverage covers medical expenses in Canada. If you need temporary or a long-term international health insurance plan, then contact Insurance Services of America for an international health insurance quote.

Security Conditions in Canada (as of Aug. 2011)

Toronto is Canada's largest city and the fifth most populous municipality in North America, with a population of more than 2.5 million residents. The city serves as the capital of Ontario and is also home to the Toronto Stock Exchange, the largest market in the country. Toronto's leading economic sectors include business services, telecommunications, aerospace, transportation, media, arts, film, television production, and tourism among others. Additionally, the city is considered an important destination for immigrants to the country and is among one of the most diverse cities in the world; about 49% of the population was born outside Canada. The city is continually rated as one of the most livable cities due to its low crime rates, clean environment, high standard of living, and friendly attitude toward diversity.

Toronto reports a low crime rate when compared to similarly sized cities. However, foreign nationals are advised to remain alert to risks of street crime, armed theft, and residential break-ins, as expatriates have fallen victim to these crimes in Toronto in the past. Women should take particular caution, as female victims of residential break-ins have been raped. Although most criminals were armed with knives or handguns, victims were rarely harmed unless they resisted their assailants' demands. According to Toronto police, there were some 62 homicides recorded in 2009, down from 70 the previous year.

Organized crime poses a moderate risk to foreign nationals operating in Toronto. Although organized crime is rampant in the city, it is primarily focused around the drug trade and motorcycle gangs, such as the Hell's Angeles; these criminal elements rarely threatened foreign nationals visiting Toronto or conducting business in the city. More than 70 suspected gang members were arrested during police operations in May 2010 that targeted the Falstaff Crips and the Five Points Generals. Nonetheless, foreign nationals are advised to remain alert in areas where criminal groups are known to operate, as bystanders have been caught up in attacks.

There is a moderate risk of terrorism in Toronto. While the city has not yet been the victim of a major attack by terrorist elements, terrorists are believed to be operating in Toronto and have the capabilities to strike the city. In September 2008, authorities in the city warned that suspected terrorists were preparing attacks against the Israeli airline El Al and their personnel in Toronto. The suspected terrorists were reportedly frequenting a hotel in the city popular with the pilots and crewmembers of the airline.

While the possibility exists that international terror groups may strike Toronto, low-level bombings conducted by local groups or lone-wolfs are more probable. In April 2010, authorities found a cache of explosives in a storage locker in an eastern area of the city. Separately, three unidentified people threw two Molotov cocktails at the Jamaican consulate in the city in August 2009, sparking a fire at the building. Authorities failed to determine a motive in the crime.

Protests are frequently held in Toronto; while the majority of protests are non-violent, traffic disruptions are common. In June 2009, more than 24,000 Toronto workers participated in a strike and large rally outside the City Hall building after the government failed to agree to a new collective agreement with unions.

Police in Toronto are efficient, reliable, and capable of addressing a wide variety of threats. Officers generally respond to the scene of crimes in a timely manner. Security forces possess the required resources and equipment to carry out complex investigations. Similarly, well-trained emergency medical personnel operate a fleet of modern, well-maintained ambulances that carry life-saving equipment.

Most Dangerous Areas

Travelers to Toronto should use additional caution along Yellow Birch Drive, North Kipling, Lawrence Avenue, Morningside Avenue, Eastern Avenue, Chalk Farm Drive, and Jane Street as well as in Regent Park, Rexdale, Scarborough, and Jane-Firch, as these areas all report higher crime rates. Pickpocketing is reportedly common on Centre Island, especially in the summer months.

Featured Country: The Netherlands

2011-09-16T11:59:00.000-07:00

According to a report by the U.S. Bureau of Economic Analysis published last July, the Netherlands was the largest recipient of direct investment from the U.S. in 2010. The United States invested $521.4 billion dollars in the Netherlands, 13.3% of total U.S. FDI. This is the third consecutive year that the country found itself in first place in U.S. FDI. For comparison, in the same year, the United Kingdom received $ 508.4 billion (13%), Canada $ 296.7 billion dollars (7.6%) and Luxembourg $ 275 billion (7%).

U.S. companies are attracted to the Netherlands for investment. The company Patagonia Inc., recently decided to relocate its distribution center from Chartres (France) to the Dutch city of Heerenberg. Similarly, the Heinz Company has invested heavily in the Netherlands to create a center of European research and innovation in the city of Nijmegen, which should be online by 2013. This research center will be the largest research center outside of Heinz USA.
The Netherlands has many strong assets including a highly developed communication and transportation infrastructure, a skilled workforce that is both productive and multilingual, a strategic geographical position that makes it a gateway to the main European markets, a stable political environment and financial sector. For example, Patagonia Inc. will, through its presence in Heerenberg, deliver its products in Germany, the United Kingdom, France and the Benelux countries in less than 24 hours. Also, thanks to the quality of the Dutch infrastructure, the distribution center in Heerenberg will be able to manage three containers a day, instead of the three containers per week that were being produced in Chartres. In the end, Heinz has decided to move to Nijmegen, a city in a region where skills are focused on diet and health, providing an attractive framework for the best talent in the field of research and development of new food products.

To learn more about the establishing trade or business in the Netherlands, visit The Netherlands Chamber of Commerce.

Amsterdam serves as the capital and largest city of the Netherlands, with just over 1.36 million residents. Located in the province of North Holland, the city comprises the northern edge of the Randstad, a conurbation of Dutch cities that also includes Rotterdam, The Hague, and Utrecht, which totals more than 6.5 million people. The city serves as the financial and cultural capital of the country, and hosts the headquarters of several of the world's top 500 companies. The 2009 European Cities Monitor, which provides an overview of corporations' perceptions of 34 leading European business cities, ranked Amsterdam as the 8th best city in which to do business. The same survey ranked Amsterdam 7th in terms of quality of telecommunications and 12th in terms of quality of life for employees.Good medical facilities are widely available. Emergency medical response can be accessed by dialing 112. Pharmacies ( Apotheek ) are widely available and can assist with emergency prescription needs. Some common medications are not available in the Netherlands without a prescription, and some prescription drugs cannot be sent to the country. Travelers are urged to carry an adequate supply of prescription drugs in their original container, in their carry-on luggage. Please carry a letter from your pharmacist or medical doctor with you, as some drugs are subject to confiscation by local custom agents. Those traveling with any pre-existing medical problems should bring a letter from the attending physician, describing the medical condition and any prescription medications, including the generic name of prescribed drugs.Netherlands, International health nsurance

Although the rate of violent crime in Amsterdam is low, there is an elevated risk of theft. Pickpocketing, purse snatching, and other petty crime is often reported. As hotel rooms and automobiles are targets of theft, valuables should not be left in plain sight and should be secured in safes. Thieves often work in pairs, with one distracting the victim, often by asking for directions, while an accomplice moves in on the victim's unguarded property. Thieves are active in and around train and tram stations, the city center, and public transport, and frequently time thefts to coincide with train or bus departures. Trains to and from Amsterdam's Schiphol Airport are particularly high risk, and theft of hand luggage and laptop computers is common. Likewise, foreigners on city trams to and from the Central Train Station are often targets for thieves and pickpockets. In January 2010, nine workers at Schiphol Airport were arrested for allegedly stealing objects from passengers' luggage. Surveillance cameras showed the suspects rummaging through the travelers' suitcases, apparently searching for electronic gadgets, clothing, money, and jewelry. The thieves were caught using specially prepared decoy suitcases.

There is a low risk of violent crime in Amsterdam. Kidnapping is not a frequent occurrence in the Netherlands, but has been known to occur on occasion.

Participation by the Netherlands in U.S.-led operations in Afghanistan and Iraq have garnered the attention of militant Islamic groups, and, indirectly, raised the risk of targeting by such groups. The national government currently rates the risk of terrorism as "Substantial," the third highest out of four levels. In November 2004, authorities arrested members of the Hofstad Network, an Al-Qaida-linked cell allegedly planning to attack Amsterdam's Schiphol Airport. One year later, six people were arrested in Amsterdam and The Hague on charges of recruiting radical Muslims for international jihad.

Demonstrations are common, ranging from small groups to thousands of participants, and usually remain nonviolent. Prior notification is required to hold a demonstration and police are usually present. Demonstrations are common at the Museumplein and in Dam Square. In February 2010, dozens of students occupied lecture halls and university buildings in Amsterdam in protest of planned government cutbacks to higher education. In August 2009, thirty people were arrested after violent clashes broke out between British and Dutch soccer fans in Dam Square. There were no reports of serious injuries, as police acted quickly to break up the fray.

Bicycles are ubiquitous in Amsterdam and can be dangerous for pedestrians. Watch for speeding bikes when crossing the street or a bicycle lane look for speeding bikes. If using a bicycle, watch for pedestrians, and lock the bike with a strong lock, as thefts are common.

Police in Amsterdam are generally capable and well-trained. Emergency operators will answer phone calls in Dutch, but most speak English. In addition to contacting the police, victims of crime are urged to report any incident to their respective embassy or consulate.

Most Dangerous Areas

Pickpockets typically time their theft to coincide with train and tram stops so they can quickly escape the scene. Within Amsterdam, thieves are very active in and around Central Station, WTC/Zuid train, tram stops near the red light district, and in restaurants and hotels. Foreign nationals may also experience theft on public transportation routes, especially trams 1, 2, and 5 between Central Station and the Museum district. Other areas to avoid include Damrak, the flea market in Waterlooplein, De Bijenkorf department store, Dam Square, Royal Palace, and the Flower Market. Demonstrations are common at the Museumplein and Dam Square.

Vaccinations are not required for travel to the Netherlands.

We recommend reviewing your health insurance policy. If your policy is not international health insurance coverage, nor provide emergency medical evacuation or repatriation, then please contact Insurance Services of America at 800.647.4589 or 480.821.9052 or visit us online at http://www.worldwidemedical.com/.

5 Tips for Protecting Your Family While Living Abroad

2011-08-01T16:24:00.000-07:00

From Expat Explorer Blog (http://expatexplorer.blogspot.com)/

One of the single most important issues for all families across the world is protecting them against the challenging surprises of life. This can become a particular concern for expats, as each country is different.

There is a wide range of policies on the market that should suit everyone; the tricky bit is picking which ones are suitable! Christopher Wicks director of Bridgewater financial Services says “It is imperative that an assessment is carried out by either an international bank, or an independent specialist protection adviser to avoid, with over or under insuring.

Here is a list of our top types of cover:

1. Income protection – this provides you with an ongoing income – up to 75 percent of the previous income – in the event of an accident of illness.

2. Critical Illness insurance – which pays a tax-free lump sum if diagnosed with a critical illness, and usually has life assurance included.

3. Life assurance, which pays out on death before an agreed dates

4. Private Medical Insurance

5. Travel insurance

When considering all of the above it is important to consider portability. One way to do this is to obtain an international or portable policy that can move with you, especially necessary when it comes to life assurance and critical illness cover.

As always we’re keen to hear your thoughts and experiences so please do share any top tips.

BUY PROPERTY AND BECOME RESIDENTS OF MEXICO IN LESS THAN 2 YEARS

2011-06-23T13:36:00.001-07:00

The new Immigration Law signed by Mexico President Felipe Calderon in May of 2011 helps Americans, Canadians and foerign nationals currently living or planning on moving to Mexico become official residents quicker. The law reduces the time a foreigner has to have a temporary permit to reside in Mexico thus providing a shorter path to residency on a full time basis. Foreign nationals will not have to endure the annual renewal of the temporary permit which time consuming,costly and can take up to 7 years to gain residency.

A few advantages of becoming an office resident of Mexico are:

Own real estate with no bank trust. A resident has the same ownership rights as a Mexican citizen, who can hold title to property in the restricted zone (foreigners can only acquire property under a land trust within this zone that encompasses area of roughly 100 miles from the US border and 60 mile inland from any coast).
Residents are exempt from capital gains on residential property sales (that meet the conditions of the Mexican IRS or Revenue Canada).
If you marry a Mexican National and live in Mexico, then you can become an official resident within 2 years.

Escape from America.com adds:

In reviewing the economics of the 1.5 million or so foreigners that currently reside or spend most of their time in Mexico, we see some amazing financial statistics. On average, the foreigners bring approximately $150,000 – $250,000 cash to buy property and spend around $2500 per month on living expenses. As the expression goes, you do the math. This equals about $225,000,000,000 to $375,000,000,000 in cash revenue and $3,750,000,000 a month in recurring revenue. Staggering isn´t it?

General healthcare in Mexico is adequate. Medical care can be found in major cities. Excellent health facilities are available in Mexico City, but training and availability of emergency responders may be below U.S. standards. Care in more remote areas is limited. Standards of medical training, patient care and business practices vary greatly among medical facilities in beach resorts throughout Mexico. In recent years, some U.S. citizens have complained that certain health-care facilities in beach resorts have taken advantage of them by overcharging or providing unnecessary medical care. A significant number of complaints have been lodged against some of the private hospitals in the Cabo San Lucas area, including complaints about price gouging and various unlawful and/or unethical pricing schemes and collection measures. Elective medical procedures may be less expensive than in the United States. However, visitors are cautioned that facilities may lack access to sufficient emergency support. The U.S. Embassy encourages visitors to obtain as much information about the facility and the medical personnel as possible when considering surgical or other procedures.

If you wish you visit private doctors and hospitals which cater to U.S. Citizens and foreign nationals, then we recommend purchasing international health insurance. Contact Insurance Services of America by email at health@globalcitizeninsurance.com or by telephone at 800.647.4589 or 480.821.9052.

Water Quality: In many areas in Mexico, tap water is unsafe and should be avoided. Bottled water and beverages are safe although visitors should be aware that many restaurants and hotels serve tap water unless bottled water is specifically requested. Ice may also come from tap water and should be used with caution. Visitors should exercise caution when buying food or beverages from street vendors.

The quality of water along some beaches in or near Acapulco or other large coastal communities may be unsafe for swimming because of contamination. Swimming in contaminated water may cause diarrhea and/or other illnesses. Mexican government agencies monitor water quality in public beach areas but their standards and sampling techniques may differ from those in the United States.

Mexico City, the capital of Mexico, is the most important industrial, commercial, and cultural center in the country. One of the world's most populated cities, Mexico City is home to nearly nine million people, while the greater metropolitan area has an estimated population of 20 million people. Mexico City ranks 8th in terms of GDP size among global urban centers. Constructed on the dry bed of Lake Texcoco, the city is surrounded on three sides by tall mountains and volcanoes, including the Ajusco, the Popocateptl, and the Ixtlacihuatl. The city sits in the Federal District, which is a single political entity governed by a solitary institution.

There is a high risk of crime in Mexico City. Violent crime, including armed robberies, residential break-ins, carjackings, and muggings is reported on a daily basis. Foreign nationals are frequently targeted in violent crimes for their perceived wealth. Foreign nationals are advised to remain especially cautious when arriving near Mexico City's Benito Juarez International Airport and the surrounding neighborhoods, as there have been a number of violent assaults on foreign nationals visiting the city. During the first two months of 2009, 18 travelers, including five foreign nationals, were violently mugged as they departed the airport after exchanging money at an exchange business inside the airport. In one incident, a French national was shot dead in late January 2009 during a robbery on a street near the airport after exchanging money at the airport. That same month, a New Guinean diplomat was severely injured when two assailants opened fire on him and stole valuables as he was traveling through the nearby Ignacio Zaragoza neighborhood in a licensed taxi that he entered at the airport. Lookouts are believed to spot travelers exchanging money and then contact their accomplices who operate outside the airport, attacking travelers a few blocks from the airport. While the airport is monitored by federal forces, Mexico City is patrolled solely by local police who lack the resources to adequately respond and often collude with local criminal gangs. Foreign nationals are advised against exchanging money at the airport, instead doing so before arriving in the country.

Public transportation in Mexico City is considered unsafe. In September 2009, police were forced to enhance security on the city's subway system after a gunfight between an armed man and police left two dead and several others injured. The gunman reportedly opened fire on police and passengers after officers approached him while he was writing anti-government graffiti on a subway wall. Additionally, public buses in the city are frequently targeted by armed robbers. In August 2010, a four-month-old baby was killed during an attempted bus robbery in the Tlalnepantla district; three gunmen reportedly tried to rob the bus when a plainclothes officer pulled a gun, triggering a shootout.

Carjackings and vehicle thefts are reported at critical levels in the capital city; Mexico City has traditionally recorded the highest rate of vehicle thefts in the country. In February 2010, a Catholic priest was killed by two carjackers who attempted to seize his vehicle while he was traveling through the Vasco de Qurioga neighborhood. The same month, a Mexican soccer player was shot during a carjacking attempt in the city.

Armed robberies and burglaries are also frequent in Mexico City. In July 2010, armed men attacked a Mexican film crew in the downtown area and stole equipment and other items worth 300,000 pesos (US$24,300). Three months earlier, police arrested two suspects believed responsible for a string of hotel robberies. The two suspects routinely posed as hotel guests and claimed to have lost their hotel room keys in order to gain access to rooms and safes in the hotels.

Violent crime in Mexico City is typically linked to the underworld. The majority of the world's largest and most dangerous drug cartels operate in the city. In August 2010, a federal police official warned citizens about the presence of drug trafficking organizations in the city and their intent to extend control over territory and illegal drug sales in the city. The official reported that the Sinaloa cartel has a presence in the Cuautitlan corridor and has a territorial dispute with the Beltran Leyva organization in the Huixquilucan suburb. The majority of organized crime-related violence is targeted at rival gangs and law enforcement; in May 2010, a retired general who was convicted and later cleared of aiding one of Mexico's most powerful drug lords was shot and injured in the city. Occasionally, foreign nationals have been injured or killed in drug-related violence, and those involved in organized crime have also been targeted in calculated attacks. In January 2010, a Paraguayan soccer player was shot in the head by an unidentified assailant while at a bar in the city; three city police officers were later arrested as the attack was believed to be connected to organized crime.
There is a high risk of kidnapping in Mexico City, although rates of the crime are believed to be vastly underreported due to widespread collusion between city police and kidnapping gangs. Police arrested six suspected Beltran Leyva kidnappers and rescued two hostages in the suburb of Huixquilucan in July 2010. Seven months earlier, police freed two hostages and arrested six suspected kidnappers in the Venustiano Carranza district; the victims were reportedly being held for a 50,000 pesos (US$3,937) ransom demand. In September 2009, authorities detained the founder and leader of a kidnapping ring responsible for 22 abductions, including eight that ended in the victims' death. In February 2009, the mayor of Ixtapaluca, a suburb of Mexico City, was arrested by federal police agents after being implicated as the leader of Los Tenientes, a local kidnapping gang. The mayor reportedly offered members of the gang protection in exchange for large sums of money.

Contact a high risk insurance specialist at Insurance Services of America for an affordable Kidnap and Ransom insurance quote.

African Growth and Opportunity Act

2011-06-09T13:49:00.000-07:00

The African Growth and Opportunity Act (AGOA) was signed into law on May 18, 2000 to offer incentives for African countries to open their economies, build free markets and encourage investment by U.S. companies in the region.

Each year, the AGOA Forum brings together government leaders and several African and American private sector stakeholders. Today, 37 African countries are represented in the forum: Angola, Benin, Botswana, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Comoros, Congo, Djibouti, Ethiopia, Gabon, Gambia, Ghana, Guinea-Bissau, Kenya, Lesotho, Liberia, Malawi, Mali, Mauritania, Mauritius, Mozambique, Namibia, Nigeria, Rwanda, Sao Tome and Principe, Senegal, Seychelles, Sierra Leone, South Africa, Swaziland, Tanzania, Togo, Uganda and Zambia.

The tenth annual Forum is taking place today and tomorrow (June 9 and 10) in Zambia with the theme "Enhanced Trade Through Increased Competitiveness, Value Addition and Deeper Regional Integration". During the conference, there will be sessions for the private sector and civil society as well as involvement of participants of the African Women’s Entrepreneurship Program (AWEP). Young business leaders will also take part in activities around the AGOA Forum.

For more information about AGOA look at these websites:

• African Growth and Opportunity Act

• AGOA Forum 2011

• U.S. Office of Trade Representative

To help you do business in the AGOA region visit:

• The AGOA Export Toolkit

• Doing business with USA under AGOA

• AGOA’s resources

For more information about AGOA countires take a look at:

• The FITA Africa Miniportals of 185 countries

• The GlobalTrade.net International Trade Channels (click on the map of Africa)

For a free international medical insurance quote:

• ISA Global Benefits International Health Insurance

American Citizen Kidnapped from Nepal Hotel.

2011-05-31T13:40:00.000-07:00

John Robert Schrumpf, 25, had been forcible taken Sunday morning from his room at the humble Hotel Dream Home in Thamel, Kathmandu's busy tourist hub. NepalNews.com says Schrumpfhad been abducted at around 2 a.m. The Himalayan Times says he was gone for a total of around 15 hours.

No matter what your age or occupation, if you are traveling abroad, then call us for a free Kidnap and Ransom insurance quote (K&R). Reach us by telephone at 800.647.4589 or +1.480.821.9052 or health@globalcitizeninsurance.com.

The Expatriate Experience

2011-05-09T09:40:00.001-07:00

I was browsing the HSBC Annual Expatriate Experience Report this morning which discusses repartriation of individuals and families returning to their country of birth or citizenship. In the findings, I found it interesting that many expatriates returning home are do not understand their rights with regards to access to medical services.

In some countries, expatriates are not entitled to full healthcare benefits once he or she return home and will need to establish if there will be a requirement for medical insurance. Depending upon what country you are from public healthcare may be available; however, do not assume that you will be entitled to it. According to the report:

In many countries the right to public care is foregone after you have lived continually outside of the country for a set period of time. Fully research medical and dental entitlements and, if necessary, arrange appropriate private healthcare.

In the U.S., if you are 65 or older and have not satisfied your MEDICARE requirements and return to the U.S., then their is a possibility you will have to purchase private health insurance, which is very difficult to obtain and expensive. Establishing a private international health insurance policy with the option to cover you in the U.S. with no age limitations will reduce the financial risk of an unforeseen illness or accident.

The report also includes useful information on finances and banking, repatriation preparation and country specific data. Before relocating overseas, we advise seeking a qualified advisor to assist you with taxes as well as your ealthcare options in the country you are relocating as well as your options if you have to return to your country o citizenship or birth. You can speak with an international insurance specialists at by calling ISA Global Benefits at 800.647.4589 (toll free within the U.S. and Canada) or 001.480.821.9052 (outside the U.S.). Their medical, life and retirement experts will listen to your needs and offer very affordable solutions which can insure you while you are living and traveling abroad as well as back in your home country. Visit ISA Global Benefits online at http://www.isaglobalbenefits.com/.

Thnking about a Start Up Business in Panama... GOOD NEWS! Congress is preparing to ratify the treaty with Panama

2011-05-06T11:32:00.000-07:00

The United States and Panama signed a Free Trade Agreement (FTA) on June 28, 2007. Although Panama approved the treaty on July 11, 2007, the United States Congress has not yet ratified it because of political disagreements about what Panama would have to do to fulfill all necessary conditions of the pact. Now it's done! The U.S. Trade Representative, Ron Kirk, announced last week that Panama had met all the American requests and that Congress was preparing to ratify the treaty in the coming weeks.

The FTA is expected to result ultimately in a significant liberalization of trade in goods and services between the two countries by removing certain non-tariff barriers and facilitating customs procedures. With this agreement, U.S. companies should have better access to the Panamanian market, particularly in the financial services sector. Also companies may compete for and obtain public contracts and obtain trade facilitation services.

There are numerous business opportunities in Panama for many foreign companies. Indeed, the Panamanian economy is doing well. The country has one of the growth rates of GDP, the highest in Latin America (6.7% in 2011). In recent years the development of the free trade zone of Colon and the banking and real estate sectors have helped the country weather the worldwide financial crisis. The public expenditure management financed with a $200 million loan approved by the Inter-American Development Bankhttp://www.iadb.org/en/news/news-releases/2010-12-02/idb-panama-fiscal-policy-and-transparency,8791.html (IDB) has also helped strengthen investor confidence. Panama is the top receiver of FDI in Central America, with an average annual flow of about 1.75 billion USD.

For more information on the country, you can visit:

• Business Panama

• U.S. Commercial Service Panama Country Commercial Guide

• FITA’s Panama Country Profile of Panama

To help you do business in Panama:

• The Panamanian Association of Entrepreneurs

• The site of the U.S. Embassy in Panama

• The site of the American Chamber of Commerce in Panama

• GlobalTrade.net Panama Miniportal

Consular Information Sheet for Panama - Department of State (Last Updated 11/18/05)

Although Panama City has some very good hospitals and clinics, medical facilities outside of the capital are limited.

During May 2009, Panamanian health authorities placed travelers suspected of carrying the H1N1 flu in quarantine.

Except for antibiotics and narcotics, most medications are available without a prescription.

The 911 call center also provides an ambulance service, however, the ambulance might not always be available and given difficulties in transitting traffic jams and poor road conditions, it might arrive too late to do much good. There are also private ambulance services people can subscribe to.

If you are establishing a business, subsidiary or will be employing human resources, then we recommend a group benefit program. A fully underwritten plan might be needed or a supplemental medical evacuation and catastrophic policy might better suite your corporate needs. Contact Insurance Services of America and speak with one of our international insurance specialists for expert advice and a no-obligation quote and proposal. We specialize in affordable health insurance, life, disability, retirement, war and terrorism, kidnap& ransom insurance for individual and groups. Call us at 800.647.4589, 480.821.9052 or email at our Adam Bates, our Global Benefits specialists at adam@isaglobalbenefits.com.

Two Top Priorities When Relocating Abroad

2011-04-26T14:40:00.000-07:00

When you decide to move abroad, one of the most important things to remember is organising your finances however financial experts say that many expats place financial matters at the bottom of their mental checklists and fail to sort out their banking arrangements until they arrive at their new location. This can lead to problems on arrival as access to money isn’t always straightforward.

Read more financial, tax and banking advice at Expat Explorer

The second most overlooked and very critical item is health care and health insurance. Most expatriates assume he or she will be eligible for national or social health care. Many expatriates are under the assumption that socialized medical care provides the best quality of care. This could be the case in a few countries, but most expatriates who expect "western" type of medical care are usually in for a surprise. For example, Brazil is becoming a very popular destination as it will be hosting the 2014 World Cup of Soccer Tournament. Brazil is also contending with drug counterfeit problems, prompting the Brazilian Congress to establish congressional commissions to investigate the issue. The Brazilian Ministry of Health has also created the National Agency of Health Surveillance (Agencia Nacional de Vigilancia Sanitaria) modeled after the FDA.

The Center for Disease Control (CDC) recommends Yellow Fever vaccination for persons over 9 months of age for travel to all rural areas of all states, including Iguaçu Falls tourist resorts, and for travel to Brasilia and Belo Horizonte. Cities in jungle areas are considered rural, not urban, in nature. Yellow fever is not currently thought to be a risk for travel to major coastal cities from Fortaleza to the Uruguay border, including the major tourist/business destinations of Sao Paulo, Salvador, Rio, Recife, and Fortaleza. However, there has been a recent increase in yellow fever cases, including deaths, in Brazil. This has involved some areas in Brazil not previously at risk, such as the southern state of Rio Grande do Sul. Travelers are advised to consult with their medical provider or travel clinic for up to date advice on the risks versus the benefits of yellow fever vaccination.

The good news is there are many doctors who have been vetted and participate in our exclusive international network or medical providers. These doctors all speak English and you can view their credentials and contact information on the web. Expatriates in Brazil regularly use the Albert Einstein Hospital in Sao Paulo. It is inspected and certified by the Joint Commission International and offers international service assistance. It is very comforting to know that your doctor has been approved by an international medical board and if needed, have the capabilities to direct bill medical expenses. Contact Insurance Services of America for information and a no-obligation international health insurance quote or visit us online at http://www.globalcitizeninsurance.com/ for an instant quote. Speak with an insurance expert at 800.647.4589 or 001.480.821.9052 or email at health@globalcitizeninsurance.com.

What Would Cause You To Renounce Your U.S. Citizenship?

2011-04-22T10:48:00.000-07:00

More than 200 Americans turned their back on the United States in 2008, 731 made the exceptionally difficult decision to renounce their citizenship in 2009, and in 2010 1,485 individuals gave up their right to an American passport, according to ‘corrected totals’ from http://www.renunciationguide.com/.

and

according to the New York Times: “waiting periods to meet with consular officers to formalize renunciations have grown

Why would you consider moving abroad? The top popular ideas and reasons are:

Lower cost of living (retirement)
Disgruntled with their local or national government
Cost of medical care
More affordable Real estate

It's always recommended doing your research and becoming as knowledgable as possible. Not only visiting your potential destination multiple times and seasons per year, but gathering information regarding real estate laws, communication / technology availability, taxes and income laws and of course immigration laws.

Another overlooked area is health care. Contact Insurance Services of America for a free country assessment, we can even tell you if there are any English speaking doctors at your destination and the general quality of care. If having an international health insurance is necessary, then ask us for a no obligation international health insurance quote. We insure thousands of expatriates located on over 120 countries. You may reach us at 480.821.9052 or 800.647.4589 or by email at health@globalcitizeninsurance.com.

A Few Unexpected Pitfalls of Living Abroad

2011-04-13T11:20:00.000-07:00

You gather information and spend countless hours reading book & blogs, learning a new language and getting professional advice for moving abroad. Your dedication and appetite for adventure is usually rewarded if you remain faithful to your goal of cultural integration; however, there are a few unexpected pitfalls you can and cannot plan for. For example the wild currency swings in countries that have been hit by the recent global economic downturn, the property bubbles in Greece, Spain, Portugal, U.K., Mexico and other parts of Europe, civil unrest and public strikes, etc... the fortunes of expats are often subject to many external influences. Life is uncertain no matter where you live, but one of the most contributing factors of life, is just as a concern at home, before we embark on the search for life abroad is debt.

Wither it's a home mortgage, credit card debt, business loan or personal lines of credit, each country has it's own particular laws and regulations on qualifying for credit and well as penalties for unpaid debt. I was reading an article in the Guardian | The Observer about two Brits who were literally trapped in Bahrain due to their unpaid debt. What compounded the problems is they could not exit the country until their business loan was fully paid (along with interest), but were not allowed to be issued work visas.

Under Bahraini law anyone with a travel ban may not have their residence or work permits renewed – meaning they are effectively prevented from repaying their debts

One man, who has been divorced by his wife while he is stuck in Bahrain, has not seen his children in three years. Another, who has a heart condition, has been repeatedly jailed for owing money

As you can see, the problem of debt can easily spiral and repaying it back can be more difficult if you lose your residency status which in most cases prevents you from legally working and possibly even being incarcerated. So before you take out a line of credit, mortgage or business loan, I would highly recommend reviewing the local financial and legal requirements.

There is a catch 22, in some countries if you incur large medical expenses and cannot pay your medical fees, the unpaid medical expenses can be considered debt and if not paid, then you could be subject to a travel ban and local litigation.

We can limit the risk of unforeseen medical expenses with a comprehensive international health insurance policy. Wither you are traveling on holiday or vacation or relocating overseas, we advise reviewing your current health insurance along with the health insurance requirements and liabilities of your destination countries. Call 800.647.4589 or +1.480.821.9052 and speak with an international insurance specialists at Insurance Services of America. Get an instant instant travel medical insurance quote online at www.overseashealth.com or www.globalcitizeninsurance.com.

Download Tokyo iPhone App With Purchase of Travel Gap

2011-03-16T15:48:00.001-07:00

In light of the devastation in Japan, you can download the mPassport App at no charge when you purchase the Travel Gap, Trip Protector, Global Navigator or Global Citizen policy. The app provides vital local medical resources available through the mPassport Tokyo iPhone app at no charge:

• Find a conveniently located, carefully selected, English-speaking doctor or dentist and request an appointment

• Translate brand names for medications and find a pharmacy

• Access emergency services information

Visit the iTunes store to download any or all of the mPassport apps today.

For each mPassport Tokyo app downloaded, HTH Worldwide will make a donation to the Global Giving Japan Earthquake and Tsunami Relief Fund.

The IRS Is Giveing You One Last Chance to Come Clean!

2011-03-09T14:07:00.000-07:00

The IRS announced its 2011 Voluntary Offshore Disclosure Program which reduces penalties and assurance of non-criminal prosecution if US Citizens and Taxpayers, who have not been reporting their foreign bank accounts, foreign corporations, foreign trusts (Fideicomisos), etc. come forward and disclose all. You have until August 31, 2011.

In order to be eligible for paying a lower penalty for failing to file or report the following items on the proper forms: (1) Foreign bank account forms (2) foreign corporation, partnership or LLC forms (3) foreign trust forms (required from Fideicomiso beneficiaries in Mexico) and reporting Passive Foreign Investment Company income, you have to file amended tax forms for the past 8 years. The I.R.S. is getting very tough for U.S. Citizens holding foreign accounts and because of tax treaties with the various countries allows the U.S. to check individual and corporate holdings.

According to Escape from America Magazine, in the past few years the IRS has hired approximately 20,000 new employees in its international department to conduct investigations with foreign banks and obtaining lists of U.S. deposits.

The good news is that if you have been reporting all of your foreign income, but have just failed to file the reporting forms such as the FBAR form (foreign bank account reporting) or Form 5471 (foreign corporations) or Form 3520 (foreign trusts-Fideiciomisos), you do not have to enter the program, but do need to file all applicable past year reporting forms in compliance with the law prior to the deadline.

We advise contacting and accountant who specializes in offshore holdings. Did you know an international health insurance health savings account (HSA) can help defer some of your taxable income? Call Insurance Services of America at 800.647.4589 or email at health@globalcitizeninsurance.com for more information.

Unexpected Evacuation: Now what?

2011-02-22T14:06:00.000-07:00

Expatriates living abroad never plan to be evacuated but if you are prepared for the worst, then you will have an emergency plan which typically includes medical evacuation. With the recent unexpected civil and political unrest in every region of the world, more and more expatriates have begun purchasing political evacuation which covers the transporation expenses if you need to be emergency transported due to political unrest or a travel warning from the U.S. State Department to depart your country of residence. Unforeseen emergencies can be traumatic and being displaced without properly being relocated is very stressful. I read an interesting article at Expat Exchange with a few practical tips for parents on how to prepare for an unforeseen emergency which results in evacuation of your family. Scanning and copying your important certificates and diplomas into Google Docs (docs.google.com) is just one of the many tips I think you will find useful.

If you don't have an emergency plan or want a quote for emergency medical and political evacuation, then please call Insurance Services of America at 800.647.4589 or 480.821.9052 or visit us online at http://www.globalcitizeninsurance.com/.

Featured Country - UAE

2011-02-15T15:09:00.000-07:00

Even with the recent civil and poltical unrest in the the Middle East, the UAE is still becoming the regions business and commercial hub. The United Arab Emirates (UAE) consists of a federation of seven states ruled by emirs: Abu Dhabi, Ajman, Dubai, Fujairah, Ras al-Khaimah, Sharjah and Umm al-Quwain. The UAE occupy a strategic location on the Arabian Peninsula holding ports both on the Persian Gulf and on the Gulf of Oman. The Strait of Hormuz links these two Gulfs. Twenty-five percent of the world's oil traffic passes trhogh the Stait.

The UAE have the fourth highest per capita GDP in the world. Sixty percent of the economic power is concentrated in Abu Dhabi, the capital and second-largest city after Dubai. The country's economy is dominated by its hydrocarbon production: United Arab Emirates are the 3rd largest oil producer in the world with 9% of the world oil reserves and 5% of the planet’s natural gas reserves. Manufacturing activities have witnessed an unprecedented growth in the last five years, particularly in sectors such as metal processing, furniture, industrial preparation of food stuffs, aluminum production, cement and construction materials. The service sector, which makes up around 40% of GDP, is dominated by international trade, air transport, tourism and financial activities. For more information, you can consult the Economic Report of the Emirate of Abu Dhabi 2010.

United Arab Emirates are amongst the world’s most dynamic markets in terms of foreign trade. It is among the world's 25 primary exporters and 30 primary importers of commodities. Dubai is the commercial center of the region, mostly due to its port and airport infrastructures. The main UAE trade partners are Japan, China, India and United States. The main products exported by the country are hydrocarbons, natural gas, jewelry, automobiles and transmission devices for radio-telephony. The UAE mainly imports precious stones, iron, platinum, aircraft and rice. On the website of the US Census Bureau, you will find in more details the main imported and exported products traded between UAE & United States. You will also find practical business information on the website of the Ministry of Foreign Trade.

Thanks to its assets, an easy access to oil resources, low energy costs and a high purchasing power, UAE is the primary recipient of foreign direct investment on the Arabian Peninsula. The main investors in the UAE are Great Britain, Japan and India. Main invested sectors are hydrocarbons, financial and insurance sector, construction and electricity production. The absence of direct taxation on companies (excluding banks, oil companies and telecom operators) and personal revenue are incentives that attract investment into the country. For more information, you can consult the Investment Guide to the UAE of the Ministry of Economy.

For information about the country, visit the websites of the UAE Embassy to the United States the American Chamber of Commerce in UAE and the U.S. Commercial Service in UAE. The sites give extensive information about the market with news and business guides, and the Commercial Service programs conferences, trade missions and training. If that's not enough, you'll also find plenty of good research at the FITA Mini Portal of UAE a feature of the FITA Web site. The FITA Mini Portal has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in UAE.

Consular Information Sheet for United Arab Emirates - Department of State. Basic modern medical care and medicines are available in the principal cities of the UAE, but not necessarily in outlying areas. If you are traveling outside of metropolitan areas or rural areas, then we recommend purchasing emergency medical insurance which ensures medical transportation if the local hospital does not have the adequate medical facilities or doctor to treat you properly. Call Insurance Services of Amrerica at 800.647.4589 or 001.480.821.9052 for a quote or if you have any questions regarding international health insurance.

Your doctor can give you important advice and prescribe vaccines and medications to help you stay safe while traveling abroad. The following are vaccinations and medications you and your physician may wish to consider before travel to United Arab Emirates.

To have the most benefit, see a doctor at least 4-6 weeks before your trip to allow time for your vaccines to take effect. If you are leaving sooner, it is still important to see a doctor as soon as possible for vaccines, medications and information about how to protect yourself from illness and injury while traveling.

Your doctor will make specific recommendations, depending on your health and immunization history, areas of the country you will be visiting, planned activities and other factors. If your travel plans will take you to more than one country during a single trip, be sure to let your health-care provider know. Long-term travelers, such as those who plan to work or study abroad, may also need additional vaccinations as required by their employer or school.

If you have a chronic medical condition, share your travel plans with any doctors who are currently treating you.

Find a travel medicine clinic near you.

In United Arab Emirates, pharmacies look similar to their counterparts in Europe and North America. All carry bilingual signs in Arabic and in English and are clearly marked in bold letters as PHARMACY and a Red Crescent.

In general, the pharmacies in United Arab Emirates are very reliable. That is, they dispense the proper medications and the drugs themselves are of a U.S./International level of quality.

The pharmacists themselves are trained professionals with degrees in their field. By law, each pharmacy has to have a full-time qualified pharmacist (i.e. someone with a B.Sc. degree from a recognized university). Many pharmacies will have English speaking staff. In Dubai, three reliable chains are Life Pharmacy and Boots.

Pharmacies in United Arab Emirates can be used for all of your prescription and over-the-counter drug needs. Pharmacies are very well stocked and have a vast selection of OTC (over-the-counter) drugs, comparable to any major city in Europe or the U.S.

Similar to the United States, pharmacists cannot distribute prescription medications without authorization from a doctor.

The majority of drugs are imported, mainly from Europe. The cost of U.S. drugs is prohibitively expensive compared to European equivalents.

Generally, some of the larger pharmacies, especially those contained within hospitals, are likely to have the widest variety of drugs. Psychotropic drugs, antidepressants, anti-psychotics, anxiolytics, and most drugs affecting the chemistry of the brain are administered under very strict regulations. Pharmacies frequently run out of these types of drugs due to the strict regulations on their importation.

Regular business hours for pharmacies are 9AM to 1PM and 5PM to 10PM, Saturday through Thursday. There are duty pharmacies that are open 24 hours, but these are on a rotating basis; the daily newspapers usually give out a list of the duty pharmacies for a particular city, for that day.

Regardless of the pharmacy situation in any country, it is always advisable to bring enough medication to last through your trip. Be sure to carry it with you rather than trusting it to checked luggage (many frequent travelers bring a double supply of medication and pack each in different bags). It is also advisable to carry extra prescription sheets written by your doctor (with the generic names) in case you need refills during your trip and to show at customs as proof of the medication's identity and necessity. Always remember to check the expiration dates on all medications, whether they are from home or abroad. Depending on where you are traveling, you may also want to carry an anti-diarrheal medication and/or ask your physician for an appropriate anti-diarrheal prescription, as a precautionary measure.

No one knows what tomorrow might bring. You would never expect the civil and political unrest in Egypt, Jordan and surrouding countries. We highly recommend carefully selecting the best plan that will no only meet your most recognizable needs, but also the unforeseen emergencies that could arise. Email us for more information at health@globalcitizeninsurance.com.

Featured Country; India

2011-01-24T15:43:00.000-07:00

India is the second most populous country in the world and the world's 11th largest economy in terms of GDP. Its economy is mainly based on services, which contribute to more than half of the GDP, thanks to the Software and the New Information Technologies (NIT) sectors. Industry accounts for 28% of GDP, led by the textile and chemical industry sectors. India is also the world's fourth agricultural power. Agriculture contributes to about 20% of GDP and employs close to two-thirds of the active population. For more information, you can consult the last report of the Federation of Indian Chambers of Commerce and Industry on the Current state of Indian Economy.

India was a protectionist state for a long time. More recently the country has become progressively more open to international trade. It recently signed free trade agreements with South Korea and the ASEAN nations, and has entered into negotiations with several partners (EU, MERCOSUR, Australia, New Zealand, South Africa). The country imports petroleum, jewelry materials such as gold and diamonds, coal, electrical equipment and aircraft. It exports iron, pharmaceuticals, automobiles, rice and textile products. As imported products are of higher value added than exported products, India maintains a high commercial deficit. See more details about most popular products traded between India & United States (imported or exported) on the website of the US Census Bureau. For more statistical data on Indian foreign trade, you can visit the website of the Ministry of Commerce & Industry.

For retail distribution most Indian manufacturers use traditional methods: redistributors, wholesalers and retailers. However, with the development of large shopping malls throughout the country, manufacturers now supply directly to large retail outlets at discounted prices. For a long time, retailing was forbidden to foreign direct investors, who needed to find a local partner to enter the market. But recent initiatives taken by the government to open up the sector for foreign players have lured many new foreign companies to enter the Indian retail industry.

Thanks to advantages such as a high rate of specialization in services, a skilled English-speaking labor force, a potential market of one billion inhabitants and incentives (tax holidays, tax concessions, Special Economic Zones (SEZs), bilateral investment protection), India is attracting more and more foreign investment, especially in the service sector (21% of the total of FDI) and the computer software & hardware sector (9%). For more information, consult the India Finance and Investment Guide from the Foreign Investment Promotion Board.

EntryIndia is a website devoted to companies that want to enter the Indian market as either investors or exporters. Its website offers news, market reports and general information about doing business in India.

Visit also the websites of the Indian Embassy to the United States the American Chamber of Commerce in India. And the website of U.S. Commercial Service in India offers extensive information about the market, with news and business guides, and the Commercial Service programs conferences, trade missions and training. If that's not enough, you'll also find plenty of good research at the FITA Mini Portal of India a feature of the FITA Web site. The FITA Mini Portal has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in India.

The Health System of India
by Marshall W. Raffel, Ph.D., Professor Emeritus of Health Policy and Administration at The Pennsylvania State University, State College, PA

Medical care in India is dominated by the private sector and is financed largely by patient fees. Many low-income people, and even the poor despite their poverty, make efforts to use the private sector for ambulatory care but typically turn to the public hospitals for inpatient care. In public hospitals and public health centers, care is provided without charge to low income people and with modest charges for those who can afford to pay. Many of the poor also rely on traditional (ayurvedic) medicine. Very few people have health insurance. The quality of care can be very good, but can also be inappropriate and of poor quality. In most cases the quality of medical and hospital care is not up to the standards expected by residents of the U.S. and Western Europe.

Americans can get medical care without difficulty but should take care in making their selections. Any visitor to one of HTH Worldwide's websites can access a list of notable hospitals in popular Indian destinations by reviewing "CityHealth Profiles." HTH Worldwide's international provider community provides access to qualified English-speaking doctors who have been carefully selected. Americans are advised to use the private sector where English will invariably be understood. While some of the care can be of high quality, for serious medical problems American should seriously consider returning to the U.S. or Western Europe, or to another country where the standard of care is similar.\

(We recommend purchasing the Global Citizen if you will be working, visiting or relocating. The Global Citizen International Health Insurance Plan provides worldwide coverage. It can help locate quality local care or arrange and coordinate emergency medical evacuation and transportation if local care is not available. If you are traveling for 6 or less months, then we recommend our Travel Gap which covers you for short-term trips and if you have primary health insurance, then pre-existing medical conditions are also covered under the Travel Gap Excursion. Call Insurance Services of America Global Benefits at 800.647.4589 or email at health@globalcitizeninsurance.com for a quote or visit them us online at http://www.globalcitizeninsurance.com/.)

Healthcare is the responsibility of the 26 state governments that make up India but the ability of the states to meet population needs is compromised by lack of money and by the overwhelming political and professional influence of the private sector on those governments. The state governments are responsible for all environmental and preventive health services, as well as for primary health centers and public hospitals. Because of pressures from international lending agencies to privatize large parts of the Indian economy, including the health sector, and pressures to emphasize health education and family planning in an effort to control the burgeoning Indian population, there has been less money available for other public medical and hospital services, and especially for advanced technological equipment. This has led to increased pressures from the growing middle class for more advanced western type medical care, including the latest technology, and pressures on the state governments to meet that demand from private doctors, hospitals, and both drug and medical equipment companies. There are virtually no legal restraints on the development of private hospitals and clinics.

The private sector encompasses solo practitioners, multi-specialty ambulatory clinics, nursing homes, and hospitals. An overwhelming percentage of Indian doctors work in private practice and are paid on a fee-for-service basis. A majority of the hospitals in India are also in the private sector, and their costs for care are covered from charges to patients. The growing middle class tends to use the private sector for most care, encouraged by the fact that private hospitals tend to be better equipped than public hospitals. Doctors in public hospitals and health centers are salaried but will typically have a private practice when not on duty.

The private sector has a number of problems. Many doctors have set themselves up as specialists with the very latest advanced equipment without the appropriate training. Unnecessary services are commonplace, and doctors are said to prescribe drugs excessively and inappropriately without regard to their risks. In addition, many doctors receive kickbacks (fee-splitting) for referrals to other doctors, laboratories, and diagnostic clinics. Efforts to monitor the appropriateness and quality of care are weak at best.

Consular Information Sheet for India - Department of State

The quality of medical care in India varies considerably. Medical care is available in the major population centers that approaches and occasionally meets Western standards, but adequate medical care is usually very limited or unavailable in rural areas.

Indian health regulations require all travelers arriving from Sub-Saharan Africa or other yellow-fever areas to have evidence of vaccination against yellow fever. Travelers who do not have such proof are subject to immediate deportation or a six-day detention in the yellow-fever quarantine center. U.S. citizens, who transit through any part of sub-Saharan Africa, even for one day, are advised to carry proof of yellow fever immunization.

Outbreaks of Avian Influenza (H5N1 virus) occur intermittently in eastern India, including West Bengal, Manipur, Sikkim and Assam. There have been no reported cases of Avian Influenza infections in human beings. Updates on the avian influenza situation in India are published on the Embassy's web site.

H1N1, also known as the swine flu, has been reported in India in travelers coming from or transiting through the U.S. Individuals traveling with flu like symptoms should strongly consider delaying their travel until their symptoms have resolved for the protection of other passengers and the risk of being quarantined in a communicable public hospital on arrival in India. H1N1 vaccine is not available in India; seasonal influenza vaccine is available. H1N1 influenza is currently found and has spread locally throughout India.

Tuberculosis is an increasingly serious health concern in India.

Medical tourism is a rapidly growing industry. Companies offering vacation packages bundled with medical consultations and financing options provide direct-to-consumer advertising over the internet. Such medical packages often claim to provide high quality care, but the quality of health care in India is highly variable. People seeking health care in India should understand that medical systems operate differently from those in the United States and are not subject to the same rules and regulations. Anyone interested in traveling for medical purposes should consult with their local physician before traveling.

The Supreme Court recently sanctioned commercial surrogacy in India and is currently debating an Assisted Reproductive Technology (ART) Bill that will establish national guidelines for institutions and clients. India is also formulating a policy to investigate all foreign surrogacy cases at the time of departure, a process that could last up to one month after the birth of the child.

Anyone considering traveling to India for ART procedures should contact the Embassy or one of the Consulates for updated U.S. Government requirements.

Security Conditions from Altegrity Risk International 1st Quarter 2011
New Delhi, which is situated within the northern metropolis of Delhi, serves as both the seat of the Government of India and the Government of the National Capital Territory of Delhi (NCT). Although New Delhi has a population of around 302,400, it is immediately surrounded by Metro Delhi, which is the second largest population center in India with some 13.8 million people. The NCT is the largest commercial center in northern India with an estimated State domestic product of about 1.2 trillion rupees (US$26.9 billion), with Barakhamba Road in Connaught Place an important economic and cultural center in India. Delhi has one of the highest per capital incomes in India, about 67,000 rupees (US$1,500), with government administration, information technology, telecommunications, hotels, banking, media, tourism, and retail as important industries.

There is a high-risk of terrorism throughout New Delhi, where both domestic and international terrorist groups have been known to operate and carry out attacks. The latest terror attack in New Delhi took place in September 2008 when a young boy spotted two men on a motorcycle drop a bag in the Mehrauli market of New Delhi and tried to return it to the men. As he picked up the bag, a bomb inside it detonated, killing three people and injuring at least 22 others. That same month, five synchronized explosions struck Delhi killing at least 26 people and injuring about 135 others. Two bombs struck in Connaught Place, two others in the upscale Greater Kailash M Block market of South Delhi, and the most devastating in the crowded Ghaffar Market of Karol Bagh area. Security forces defused three additional bombs, including one at the Children's Park in India Gate. The Indian Mujahideen (IM) claimed responsibility for the attack. The low-intensity bombs equipped with timers were reportedly left in garbage cans; although some reports indicated that compressed natural gas (CNG) was used to maximize the explosion by placing the bomb near a CNG auto-rickshaw. The attacks came after coordinated market bombings in October 2005 left 60 people dead, while a 2001 terrorist attack on the Indian parliament buildings nearly led to open war between India and Pakistan. Domestic and foreign terror networks have threatened further attacks against large public venues.

Security personnel have also thwarted a number of suspected terrorist attacks in New Delhi. In November 2009, Bangladeshi police arrested three Pakistani nationals for planning to carry out attacks on U.S. and Indian targets in New Delhi for the terrorist group Lashkar-e-Taiba. Three months earlier, police arrested a suspected Lashkar-e-Taiba (LeT) militant with explosives in a New Delhi railway station. More recently, police uncovered and disarmed a bomb on a train traveling to New Delhi in April 2010.

Foreign nationals are advised to monitor terror warnings issued by the Indian government as well as those provided by their respective governments. In September 2010, the U.S. Embassy in New Delhi warned its nationals of possible terror and crime risks in Delhi during the Commonwealth Games, which are scheduled to begin on October 3rd. A month earlier, the Indian government issued a terror alert for major cities in India, including New Delhi, regarding possible plans by the LeT to carry out attacks during the festival season. Of particular concern are the religious festivals of Onam (August 23rd), Raksha Bandhan (August 24th), and Eid-ul Fitr (September 13). Four months earlier, Indian intelligence agencies warned that Maoists rebels, also known as Naxalites, were interested in setting up operations and carrying out attacks in New Delhi as the government increased pressure on their operations in rural and jungle areas. This report came seven months after police arrested a key Maoist official in New Delhi, where he was operating the group's urban recruitment efforts. In March 2010, the government issued a terror alert warning that Indian Mujahideen (IM) sought to carry out attacks in Delhi, following the interrogation of a suspected IM terrorist. That same month, officials mobilized soldiers, paramilitaries, and policemen to protect the Field Hockey World Cup in Delhi after the Pakistan-based Harkat-ul-Jihad-al-Islami (HuJI) militant group threatened to attack sporting events in India.

As terrorists in India are known to target luxury hotels, trains, train stations, markets, cinemas, mosques, Hindu and Sikh temples, Jewish cultural centers (especially Chabad houses), and restaurants it is difficult for foreign nationals to alter their behavior to avoid an attack. Expatriates are advised to exercise particular caution while traveling in public places frequented by foreign nationals as well as historic sites and government buildings. A suspected spy for the Lashkar-e-Taiba (LeT) group and U.S. national, David Headley, reportedly scouted out targets in New Delhi for the militant group, including the National Defense College, Gandhi Smriti, European embassies, and other sites. Intelligence provided by Headley has reportedly been used in recent terrorist attacks in India, including the February 2010 Pune bombing and the November 2008 Mumbai terror attack.

New Delhi experiences non-violent crime rates that are considerably higher than in comparably sized Western cities, with petty crimes frequently reported. Foreign nationals are advised that pickpockets, bag-snatchers, and petty thieves are known to operate in areas frequented by Indian and foreign tourists, such as nightclubs, bars, restaurants, parks, shopping centers, open-air markets, and crowded streets. Connaught Place, Humayun's Tomb, Akshardham Temple, India Gate, and the Red Fort are also favored targets for thieves in Delhi. Bags and purses should be monitored at all times as snatch-and-run thefts are reported. In March 2010, police arrested eight people for carrying out a series of snatch-and-run thefts in Metro Delhi; the suspects reportedly sprayed chili powder in their victims' faces to make their getaway. Robbery of Western passports is one of the most frequently reported crimes in Delhi's tourist districts and near Western hotels.

Delhi experiences the second highest rates of chain-snatching in India, with some 875 incidents of the crime reported in the first six months of 2010. One of the most common chain-snatching technique in the city involves two men on a motorcycle speeding towards a woman walking alone in an isolated area before yanking the chain. In other cases, a thief might approach a victim by pretending to ask for directions; the thief then rips the chain and makes a getaway on a waiting motorcycle.

There is an elevated risk of residential burglary in the city. Burglars usually target homes they believe to be empty, and are known to place private residences under surveillance to ascertain when the residents are away. Foreign nationals are advised to hire reputable guards and maids, buy alarm systems, lock up valuables, and consider installing bars and barbed wire. In June 2010, police arrested three illegal Bangladeshi migrants in South Delhi's Lodhi Colony for carrying out over 20 home burglary cases in the Greater Delhi region, with officials recovering some 200,000 rupees (US$4,300) in stolen property.

Hotel theft is occasionally reported in Delhi and foreign nationals are advised to leave valuables in hotel safes and to always keep their doors closed. In March 2010, police arrested three Peruvian nationals for stealing from patrons in luxury hotels around New Delhi; the thieves' preferred targets were women having breakfast. Expatriates are advised to avoid hotel rooms on the ground or second floor as these could be accessed by thieves through windows. Foreign nationals should also place all valuables and identification documents in a hotel room or home safe, deny entry to all individuals who are not uniformed and affiliated with the hotel, and confirm the legitimacy of a staff member's visit by contacting the front desk before allowing them access to the room. Similarly, long-term residents should confirm the identity of couriers, servicemen, and other household visitors before allowing access.

Car thieves are active in Metro Delhi, with some criminal syndicates operating across much of northern India, moving stolen cars and breaking them down for parts. In August 2010, police arrested two budding lawyers for moonlighting as car thieves to earn easy money; the two were particularly active in Delhi's Vasant Vihar area. Foreign nationals are advised to use guarded parking lots whenever possible and to avoid leaving objects of value in plain sight.

A thorough background check should be carried out when hiring both household staff and employees, as these have been known to cooperate with criminals or to carry out crimes of their own. In July 2010, police arrested a domestic helper and her husband in Punjab state for the murder of her elderly employer in Delhi's Rajouri Garden. The couple reportedly left with jewelry and cash worth some 1.2 million rupees (US$25,000).

Credit card fraud is frequently reported in Metro Delhi; expatriates should keep credit cards in sight and ensure that they have only been swiped once per transaction. Scam artists often defraud foreigners by offering antiques for low prices and then substituting goods for items of lower quality while the buyer is distracted. Foreign nationals are advised to refuse offers by taxi drivers, porters, and unofficial tour guides at the city's airport, train stations, and tourist sites as these are often petty thieves.

There is a moderate risk of violent crime against foreign nationals in New Delhi, where the majority of armed robberies, murders, and rapes target local residents. Foreign nationals are nevertheless occasionally targeted by thieves wielding blunt weapons, firearms, or chemicals to incapacitate their victims. In October 2008, police arrested two men for reportedly posing as taxi drivers outside Delhi's Indira Gandhi International Airport (DEL) to lure a Saudi businessman into their vehicle before killing and robbing him. More recently, two armed criminals robbed an ethnic Indian expatriate couple out of some US$1,000 in cash and gold jewelry as they made their way on the NH-1 from the Indira Gandhi International Airport. The criminals reportedly rammed their vehicle into the victim's car and threatened them with sharp-edged weapons. Foreign nationals are advised to only travel in legal taxis and not to allow the driver to pick up additional passengers. It is advisable to stick to well-traveled areas and to avoid moving alone around the city at night.

Robbers have been known to break into the guarded homes of foreign nationals or wealthy Indians in daring raids. In November 2009, six armed men stormed a German diplomat's home in Ghitorni, overpowered the guards, and stole jewelry and foreign currency. More recently, six armed robbers stormed a businessman's trans-Yamura area home in February 2010, overpowering the guards and stealing cash and jewelry from the family.

Armed robbery and auto theft are also a significant concern, and thieves wielding knives and guns regularly assault victims. Expensive luxury vehicles attract attention and are a lucrative target for automobile thieves. In May 2009, three armed men stormed an Indian industrialist's car in Delhi, forcing the victim to drive them to his home before fleeing with his luxury vehicle, US$25,000, and SIM cards. More recently, police arrested nine suspected carjackers and car thieves in East Delhi in January 2010, with the men mostly targeting motorcyclists.

Rape remains the fastest growing crime in India and while most victims are Indian nationals, foreign nationals are occasionally affected in New Delhi. Police arrested in October 2009 a tour guide for reportedly attempting to rape a 14-year-old British national at a resort in Delhi's Kapashera. Four months earlier, a 25-year-old Canadian woman was nearly raped by a police officer while traveling from Guwahati in Assam state to New Delhi as she was using the restroom. More recently, a 27-year-old Brazilian national claimed in June 2010 she was raped twice by her landlord in Delhi's Greater Kailash II area. The report came as New Delhi police admitted they had yet to make an arrest in the alleged rape of two Dutch nationals in January and February 2010 in Delhi. Rape, sexual assault, and eve-teasing, physical harassment by groups of men, are commonly reported in Delhi, with about 277 rape cases reported in the first six months of 2010. In July 2010, the United Nations warned that Delhi was unsafe for women, with two out of three resident women reporting some sort of sexual harassment.

Expatriate women are advised to avoid public transportation after dark or without the company of more than one trusted companion, restrict evening entertainment to known ventures, and avoid walking in isolated areas at any time. Female foreign nationals should insure their room number is confidential and that they have chains, deadlocks, and spy holes on their doors. If traveling alone, foreign nationals are recommended to avoid taxis, where robbery, kidnapping, and sexual harassment are reported. Foreign nationals are advised to consult with a respectable hotel's front desk when calling a taxi. It is advisable for foreign women, especially when unaccompanied, to dress modestly and limit interactions with unfamiliar men. If women find themselves in a threatening situation, they are advised to contact police by dialing 100 on a landline phone or 112 on a mobile phone.

Kidnapping and extortion rates increased in Delhi in the first six months of 2010, although foreign nationals are rarely targeted, with abductors preferring Indian businessmen or their children. In July 2010, police arrested a gunman with the Abu Salem gang in East Delhi's Kalyanpuri region for allegedly taking part in extorting money from Bollywood celebrities. That same month, a marketing executive was kidnapped in New Delhi's Connaught Place for a ransom of 1.5 million rupees (US$32,000). In April 2010, police rescued a 10-year-old boy in New Delhi some four days after two men kidnapped the child to secure a ransom.

There is a significant risk of civil unrest in New Delhi, where peaceful protests regularly turn violent. Police often use water cannons and tear gas to disperse demonstrators. In September 2008, a mob of fired employees beat to death the Indian chief executive of an Italian industrial gear manufacturing company at the company's office in the Greater Noida area on New Delhi's outskirts. A month earlier, a number of flights were canceled in New Delhi when thousands of airport workers went on strike across India to protest the government's economic policies. More recently, important roads leading to the parliament building in New Delhi were blocked in August 2010 as thousands of farmers from Uttar Pradesh state converged on the capital to protest land acquisitions to build the Yamuna Expressway. A month earlier, police used batons to break up an angry crowd in Delhi's Sonia Vihar area as they protested the killing of a college student by four men. That same month, angry residents in the Kondli neighborhood of New Delhi staged a blockade after the water supply was cut off in parts of the neighborhood for several days.

International developments can lead to protests in New Delhi, with the risk of violence present. In June 2010, hundreds gathered outside the Israeli Embassy in New Delhi to protest an Israeli attack on an aid ship bound for the blockaded Gaza Strip.

Foreign nationals are advised to avoid protests in New Delhi, especially those related to sectarian, caste, or political issues, including relations with Pakistan. Areas near the Delhi and federal legislatures, embassies, and ministries are particularly popular with protesters. The opposition Hindu nationalist Bharatiya Janata Party (BJP) is known to stage frequent protests in New Delhi against inflation and government policies; although BJP rallies are relatively small, these can turn violent. Student protesters are known to frequently clash with police during protests near Delhi universities and colleges. A densely populated city, Delhi occasionally reports stampedes, which can turn deadly. In May 2010, at least two people were killed and nine others injured when hundreds of passengers rushed for trains at a crowded railway station in New Delhi.

New Delhi is occasionally affected by rainfall, which can lead to flooding and disrupt transportation in areas of the city with inadequate infrastructure. In August 2010, Delhi experienced heavy floods that paralyzed the city's roadways and helped the Delhi Metro system record its highest ridership total ever, with some 1.3 million passengers on one day. That same month, heavy rain shut down the largest runway at the city's Indira Gandhi International Airport (DEL) as the runway became too slippery. Earlier that month, at least two roads in Delhi's Lutyens area caved-in during a rainstorm, leading to significant traffic delays.

During the winter months, fog and severe cold weather has been known to affect the Metro Delhi area, leading to travel delays and accidents. In January 2010, heavy fog around Delhi's international airport disrupted over 100 domestic and international flights, dozens of trains, and restricted land transportation.

Outbreaks of dengue fever occasionally strike Delhi, particularly during the fall after the monsoon rains strike the city. From January to August 2010, city hospitals in Delhi reported at least 1,120 cases of dengue fever, resulting in three deaths.

Expatriates are advised to only drink bottled or boiled water in New Delhi and to avoid swimming in rivers or pools in the surrounding area as these may be polluted or carry dangerous diseases. In July 2010, a British national died from an unidentified sickness accompanied by diarrhea after swimming in the Ganges River.

Traffic can be chaotic in New Delhi, with thousands of new vehicles and inexperienced drivers added every year. Foreigners are advised to exercise caution when attempting to cross streets in New Delhi, as vehicles of all sizes are known to ignore traffic regulations. In July 2010, five students were seriously injured when an overturning mini-bus struck them in Delhi. The driver reportedly lost control of his vehicle when attempting to make a dangerous u-turn. A survey released in July 2010 claimed that New Delhi suffers from some of the worst traffic jams in the world, ranking the city only behind Beijing, Mexico City, Johannesburg, and Moscow.

Power outages are commonplace in New Delhi, as the government struggles to generate enough electricity to meet the rapidly rising demand. In June 2010, some areas of south Delhi faced prolonged power cuts as sweltering heat and high humidity raised power demand in the capital to an all-time high of 4,668mw. Expatriates may have to set up their own generators to insure offices and plants remain operational during outages.

Emergency services in New Delhi are ineffective and unreliable. Local police lack the required resources and skills to deter crime. In September 2009, Indian media reported that the 40 new police stations opened in New Delhi since the November 2008 Mumbai attacks lacked their allotted staff and weapons, with an average of only 50 officers per station, compared to the 100 required. Response times are estimated at 15 minutes in the city center, but are double in many neighborhoods due to a lack of police vehicles. Private security guards are regularly employed by expatriate residents and all major commercial enterprises in the city. In March 2009, the Ministry of Home Affairs announced it had arrested some 500 Delhi police officers since 2007 for a range of crimes, including 12 middle-ranking officers charged with corruption, 16 policemen with extortion, and six others with rape. Police officers have been known to use violence, even against foreign nationals. In October 2009, police in the Delhi suburb of Nizamuddin assaulted a U.S. journalist after he accidently intervened as police assaulted another man. In an effort to improve police service to foreigners ahead of the October 2010 Commonwealth Games, the government announced it would build the first police station in Delhi catering specifically to foreigners in the Paharganj area.

The omnipresent inequality of India also affects healthcare offered in New Delhi, with some private facilities offering Western-style service by English-speaking and foreign trained personnel while most Indians benefit from only the most rudimentary health care services. Expatriates in New Delhi are advised to seek medical care from a select few private facilities that offer Western standards of hygiene and professionalism. These facilities may accept some foreign insurance policies or may require upfront payments in cash. Foreigners are advised to contact their respective insurance provider before traveling to New Delhi to make sure their policies will be accepted in the city. There is no National Health Insurance service in India, although some private insurance schemes are now available.

In some public hospitals or less expensive private hospitals, patients must have someone present with them at all times to run errands for the doctors, such as fetching pharmaceuticals or medical equipment from pharmacies, or to provide food to the patient. Strikes are known to affect public hospitals in India, where underpaid staff are known to shut down hospital operations in protest. In June 2010, some 1,100 employees of four hospitals in New Delhi called off their day-old protest demanding unpaid salaries after officials agreed to pay their missing salaries. Facilities affected included Hindu Rao Hospital, Rajan Babu Tuberculosis Hospital, Kasturba Hospital, and Girdhar Lal Materneity Hospital.

Ambulances are not equipped with modern medical equipment, and responders often lack skills and training to stabilize patients. Some private hospitals operate their own fleets of ambulances that are better equipped and staffed with trained professionals. Traffic does not always yield for emergency vehicles in New Delhi and some ambulances may be trapped in traffic.

In some cases, foreign nationals may require medical air evacuation to facilities in Mumbai, Dubai, or Bangkok. Foreign nationals are advised to include medical air evacuation coverage in their insurance policies. Some firms offer medical evacuation service throughout India, with one company handling some 10,000 air evacuations a year in the country according to its website.

Firefighters are poorly equipped and usually require more than 15 minutes to answer an emergency fire alarm, and fire hydrants in many sectors are not operational. In April 2010, a fire destroyed millions of rupees in goods at an export container depot in Metro Delhi, with firefighters forced to bring water to the site as the fire hydrants there were non-operational. Traffic rarely yields for emergency vehicles, further delaying emergency responders.

Most Dangerous Areas

The Jaipur area reports the highest crime rate in the city. Pick-pocketing and scams are the most frequently reported crimes in the district, with east Delhi reporting the highest number of unsolved thefts. Petty criminals are also active in Delhi's airport, train stations, tourist sites, and commercial hubs. Armed robbers stalk the streets outside of the city's main train terminal. Women frequently report incidents of harassment and groping near the train station. Murder rates in the Nithari suburb are significantly higher than in other portions of the city. Marginalized areas of the city, often constructed of mud huts, are dangerous, although criminals are also known to strike wealthier enclaves such as Defence Colony and Greater Kailash.

Featured Country - Singapore

2011-01-06T19:41:00.001-07:00

Singapore is a city-state of 5 million inhabitants in a territory of 710 square km on an island off the southern tip of the Malaysian peninsula. It is a hub of the fast-growing Asia Pacific region, thanks to its strategic location on major sea lanes and good connections to the main ports of the region. This island nation is one of the most important harbors and one of the most powerful financial centers in the world. The main industries of the country are the manufacturing sectors (including electronics and petrochemical industries), followed by wholesale and retail industries and business services and financial services. For recent macroeconomic evolution, consult the Report of the Monetary Authority of Singapore: Recent Economic Developments in Singapore

Singapore’s economy is highly dependent on external trade, which makes up more than 400% of the country’s GDP. The trade policy of the country is based on the free trade principles of promoting exports while minimizing barriers on imports. Singapore has signed numerous bilateral agreements and is a signee of the ASEAN Trade in Goods Agreement. Singapore imports machinery and equipment, mineral fuels, chemical products, food commodities and consumption goods from United States, Malaysia, China, Japan and Indonesia. The country exports machinery and electronic equipment, consumer goods, pharmaceutical products and mineral fuels to Hong Kong, Malaysia, China, Indonesia and the United States. For more details, visit the Foreign Trade Statistics on Singstat, the Singapore Official Statistics Website.

The World Bank "Doing Business" index ranks Singapore as the easiest country in the world for doing business, credit allocation to foreign investors, easy regulations system, tax incentives, high quality industrial real estate stock, political stability, lack of corruption and transparency of transactions make Singapore an attractive investment destination. The main investors are the United Kingdom, the United States, Japan, the Netherlands and Switzerland. In terms of distribution, financial and insurance services, manufacturing and wholesale and retail trade get the most FDI. Read the Singapore Economic Development Board’s Guide to understand more about direct investment in the city-state.

The distribution sector in Singapore is similar to "western" economies, with large-scale distribution structures that dominate most of retail sales. The high standard of living of the Singaporeans and their taste for "occidental" products attract many foreign consumer goods marketers.

International Enterprise Singapore is the trade promotion agency of the Singapore government. Use their website to find business partners and learn about various export finance programs that can help your business in the country.

For more information about the country, visit the websites of the Singapore Embassy in the United States, the American Chamber of Commerce in Singapore, and the U.S. Commercial Service in Singapore. The sites give extensive information about the market with news and business guides, and the Commercial Service programs conferences, trade missions and training. If that's not enough, you'll also find plenty of good research at the FITA Mini Portal of Singapore a feature of the FITA Web site. The FITA Mini Portal has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doing business in Singapore.
Consular Information Sheet for Singapore

From the Department of State: Good medical care is widely available in Singapore. Recipients of health care should be aware that Ministry of Health auditors in certain circumstances may be granted access to patient medical records without the consent of the patient, and in certain circumstances physicians may be required to provide information relating to the diagnosis or treatment without the patient's consent.

Despite vigorous mosquito eradication efforts, Singapore has had recent outbreaks of illnesses that are transmitted by mosquitoes, such as dengue fever and the viral disease Chikungunya.

Singapore has experienced cases of H1N1 infections. Vaccinations are available at hospitals and clinics. During the H1N1 pandemic in 2009, the Singapore government quarantined individuals who exhibited H1N1 symptoms, as well as individuals who may have had contact with such persons. This included individuals who were seated within several rows of a potentially infected person on a plane or who had recently traveled to countries with multiple cases of H1N1 infections. During the 2009 pandemic, temperature checks were taken of persons entering public facilities, such as the airport, hospitals and museums. Visitors to Singapore should expect that similar steps may be taken should another pandemic outbreak occur.

We recommend purchasing international health insurance which gives you 24 hour coverage, the freedom to choose any doctor, live assistance, a network of English speaking doctors who direct bill expenses and emergency medical evacuation in case you need it. Contact Insurance Services of America at 800.647.4589 or visit their website http://www.globalcitizeninsurance.com/ for an instant international medical insurance quote.

In general, the pharmacies in Singapore are reliable due to strict regulations. That is, they dispense the proper medications and they are of a U.S./International level of quality. The pharmacists themselves are trained professionals with degrees in their field. Pharmacies in Singapore can be used for all of your prescription and over-the-counter drug needs.

Similar to the United States, pharmacists cannot distribute prescription medications without authorization from a doctor. In addition, the particular drugs that are available over-the-counter versus by prescription in Singapore is very similar to the United States. Prescription medications can be found in a variety of places such as pharmacies and hospitals, and they are often dispensed directly from doctors' offices as well. Over the counter medications such as cold preparations can be found in pharmacies and in markets. Regular business hours for pharmacies are 9 a m. to 9 p.m. To have a prescription filled after hours, visit a hospital pharmacy.

Guardian and Unity NTUC Healthcare are reliable chains of pharmacies in Singapore that can be counted on for quality medications and reliable services. In addition there are many individually owned and reliable pharmacies.

Regardless of the pharmacy situation in any country, it is always advisable to bring enough medication to last through your trip. Be sure to carry it with you rather than trusting it to checked luggage (many frequent travelers bring a double supply of medication and pack each in different bags). It is also advisable to carry extra prescription sheets written by your doctor (with the generic names) in case you need refills during your trip and to show at customs as proof of the medication's identity and necessity. Always remember to check the expiration dates on all medications, whether they are from home or abroad. Depending on where you are traveling, you may also want to carry an anti-diarrheal medication and/or ask your physician for anappropriate anti-diarrheal prescription, as a precautionary measure.

Featured Country - Luxembourg

2010-12-21T15:58:00.000-07:00

Thanks to its strategic location in the heart of Europe, Luxembourg is a gateway to a market of 500 million consumers, in spite of its tiny population of only 500,000. The proximity of three top industrialized countries in its immediate neighborhood (Germany, France and Belgium) has a great impact on the economy of Luxembourg.

The Luxembourg economy is mainly based on the service sector (84% of GDP), especially financial and real estate services. Luxembourg is one of the world's largest money markets and the second-largest investment location for funds managers in the world. The financial sector on his own represents almost half of Luxembourg's total GDP, which made it very vulnerable to the crisis. But an OECD forecast seems to foresse brighter dyas aehad. Have a look at the Country Summary.

Luxembourg is one of the most open economies of all the European Union member states. The share of foreign trade in the country’s GDP is around 300%, leading to a structural trading deficit mainly caused by its dependence on imported energy. Luxembourg does almost 90% of its foreign trade with EU countries, especially with its neighbors Germany, France and Belgium. For more information, consult Foreign Trade Statistics on the website of the National Statistical Institute of Luxembourg (STATEC).

The distribution market in Luxembourg is concentrated around 3 big groups: Cactus (the leader), Louis Delhaize and Auchan. Since Luxembourg has the highest per capita GDP in Europe, the distribution sector benefits from a high level of spending per capita. Indeed, distributors are trying to meet uncommon demand needs such as, for example, selling high-end perfumes in supermarkets!

Luxembourg has the highest rate of foreign direct investment per capita in Europe. Three-fourths of the FDI entering Luxembourg comes from European Union Countries, supporting mainly banking and insurance sectors. The competitiveness of Luxembourg companies is one of the highest in the world. Find more statistics on the website of the National Statistical Institute of Luxembourg (STATEC) and visit Invest in Luxembourg, the American Chamber of Commerce in Luxembourg and the U.S. Commercial Service in Luxembourg. The sites give extensive information about the market with news and business guides, and the Commercial Service programs conferences, trade missions and training. If that's not enough, you'll also find plenty of good research at the FITA Mini Portal of Luxembourg a feature of the FITA Web site. The FITA Mini Portal has an overview of the country, with facts about the language, currency, climate, etc., plus more specific information about the economy, markets, taxes, labor market indicators, and tips on doi! ng business in Luxembourg.

Consular Information Sheet for Luxembourg from the Department of State

Medical facilities are widely available. In an emergency, dial 112. Hospitals in Luxembourg operate on a 24-hour rotation system. The on-call emergency room can be determined by calling 112. We do not advise self-referral to any hospital, with an exception: the 'Centre hospitalier' is always on-call for emergency cases involving children under the age of 14. In Luxembourg City, three major hospitals offer comprehensive general medical and surgical treatment. Additionally, there are two pediatric clinics and two obstetric clinics in Luxembourg City. There are also hospitals in the south of the country (Esch-sur-Alzette) and in the north (Wiltz). For more specialized care including major burns, transfer to a regional burn center in Belgium or France is necessary. Three medical services (maisons médicales) provide general medical treatment (not suitable for emergency cases) after hours, on weekends and holidays, when the treating physician is not available.

Most drugstores are located in the city of Luxembourg but can also be found throughout the country in all major communes. Drugstores operate on a 24-hour rotation system for after-hours services, including emergency prescriptions. The on-call pharmacy is listed daily in the local newspaper or can be determined by calling 112. A doctor's prescription is sometimes necessary for drugs that are sold over the counter in the United States.

We advise purchasing an individual international health insurance policy which gives you the freedom to choose your doctor, get a prescription filled and paid for and even choose doctors from the international network of doctors which direct bill expenses. Concerned about a major surgery or finding an experienced surgeon. then call the 24 hour worldwide assistance telephone number and be referred to an exclusive Center of Excellence where you will speak with a highly trained and certified doctor who can advice and orchestrate your medical procedure. Call Insurance Services of America at 800.647.4589 or 011.480.821.9052 for a free no-obligation international health insurance quote.

In Luxembourg, what is known as a pharmacy in the United States is also referred to as a "Apdikt". Pharmacies are also recognizable by a caduceus, a green cross with a snake and a cup.

In general, the pharmacies in Luxembourg are reliable. That is, they dispense the proper medications and the drugs themselves are of a U.S./International level of quality. The pharmacists themselves are trained professionals with degrees in their field. Pharmacies in Luxembourg can be used for all of your prescription and over-the-counter drug needs. Similar to the United States, pharmacists cannot distribute prescription medications without authorization from a doctor. In some cases, a doctor's prescription is sometimes necessary for drugs that are sold over the counter in the United States.

Regular business hours are 8 a.m. to 12 p.m. and 1:30 p.m. to 6:00 p.m. Monday through Friday, some are also open on Saturday from 8 a.m. to 12 a.m. Drugstores operate on a 24-hour rotation system for after-hours services, including emergency prescriptions. The on-call pharmacy is listed daily in the local newspaper or can be determined by calling 112. In addition, all pharmacies are individually owned and most have English speaking staff.

Regardless of the pharmacy situation in any country, it is always advisable to bring enough medication to last through your trip. Be sure to carry it with you rather than trusting it to checked luggage (many frequent travelers bring a double supply of medication and pack each in different bags). It is also advisable to carry your trip and to show at customs as proof of the medication's identity and necessity. Always remember to check the expiration dates on all medications, whether they are from home or abroad. Depending on where you are traveling, you may also want to carry an anti-diarrheal medication and/or ask your physician for an appropriate anti-diarrheal prescription, as a precautionary measure.

New Health Care Reform and Your Global Citizen Health Insurance Policy

2010-12-09T12:23:00.000-07:00

The Patient Protection and Affordable Care Act (PPACA) applies to major medical policies incepted on 9/23/2010 or later. As you are probably aware, the Global Citizen policy is a group policy issued to the Global Citizens Association. Individual Members of the Association can apply for Global Citizen or Global Navigator coverage. The master policy was last issued to the Association on 9/01/10. This means that there will be no plan changes as it relates to PPACA until 9/01/11.

Please call Insurance Services of America at 800.647.4589 or 480.821.9052 with any questions or concerns.

Featured Country: Japan

2010-11-30T11:49:00.000-07:00

When considering investments in the Far East, Japan can be a good location to use as a regional business hub.

Japan’s economy, until being recently being overtaken by China, was the second largest in the world. It is mainly based on services, which constitute two thirds of GDP, with banking, insurance, real estate, retailing, transportation and telecommunications accounting for the largest part. The industrial sector is diversified and contributes nearly 30% to GDP. Two of the main manufacturing sectors are the car and ship building industries, and Japan is world’s second largest producer of cars and ships. Agriculture, which is heavily subsidized, accounts for 5% of GDP. For more information about the structure of the Japanese economy consult the Regional Economic Report of the Bank of Japan.

Japan's main product exports are cars, ships, electronic devices and computers, while its most important imports are raw materials such as oil, coal, foodstuff and wood. Its most important trade partners are China (main supplier) and the USA (main customer), followed by South Korea, Saudi Arabia, Hong Kong and Australia. Despite the economic crisis and the decline of economic activity in the US, foreign trade sustains the economy, with imports benefiting from the appreciation of the yen. For more information, consult Foreign Trade Statistics on the Ministry of Finance Website.

The Japanese distribution network is dominated by specialized stores that represent almost all types of outlets (88%), most sales (57%) and most employees in the sector (65%). Supermarkets are in second position with a market share of sales of 30% although they only represent 9% of stores. Non-store retailing (internet retailing and direct selling) increased hugely over the last few years and even surpassed predictions, reaching almost USD 770 billion in B2C sales and USD 950 billion in B2B.

JETRO, or the Japan External Trade Organization, is a Japanese government-related organization that promotes mutual trade and investment between Japan and the rest of the world. JETRO's main activities are promoting foreign direct investment into Japan and helping small and medium-sized Japanese firms export. Their websites offer many resources for investment in Japan as well as opportunities for doing business with Japanese companies. JETRO’s US website offers opportunities specific to US companies as well as access to JETRO’s six US offices.

For more information about the country, visit the websites of the Embassy of Japan in the United States, the American Chamber of Commerce in Japan, and the U.S. Commercial Service in Japan.The sites give extensive information about the market with news and business guides, and the Commercial Service programs conferences, trade missions and training. If that's not enough, you'll also find plenty of good research at the FITA Mini Portal of Japan a feature of the FITA Web site.

The Health System of Japan by Marshall W. Raffel, Ph.D., Professor Emeritus of Health Policy and Administration, The Pennsylvania State University, State College, PA

Medical care in Japan is financed by a combination of insurance, taxes, and patient co-payments. All residents in Japan must subscribe to the National Health Insurance and are covered by this insurance system. Thus, they are free to choose any doctor and go to most hospitals for care.

International patients can access the Japanese health system by going to a doctor's office for consultation, or to a hospital outpatient clinic. Without a local private practitioner's referral, an extra charge will be made by the general hospitals. Commonly, local Japanese hospitals and clinics charge less than the ones geared towards the foreign community, even without the National Health Insurance coverage. Payments in cash are expected, but more facilities are starting to accept credit cards (commonly accepted are Visa or MasterCard). The balance must be paid upfront at the time of service or prior to discharge. Direct billing to a private or company insurance is uncommon.

(With our Global Citizen Health Insurance Policy, your have a list of international providers and hospitals which direct bill medical expenses. This eliminates the worry of having to pay a deposit or cash up front)

Selecting a doctor requires some care. Most private doctors in the community profess to be specialists in a given area, but the system for specialization in Japan is in its infancy, so that one cannot assume that a "specialist" has undertaken any systemized specialization training, such as specialists undergo in the United States, U.K., Europe, Canada or Australia. In some cities, including Tokyo, not every hospital emergency room is open every day; openings rotate among the hospitals. Your local embassy or consulate can provide some guidance in this matter. There is also a free medical information service run by the Tokyo Metropolitan government in English, that can provide some contact information on the available English-speaking medical providers in the preferred area in Tokyo (Medical Information Service 'Himawari' 03.5285.8181).

(Our Global Citizen and Trip Protector international health insurance policies provide a list of English speaking doctors. You can examine their credentials and contact information online)

It may also be helpful to know the doctor's background. More training and college hospitals educate the residents to be a general practitioner before specializing, but those who went through the residency some time ago at most of the hospitals might not have been trained as a general practitioner. Many doctors in Japan are not used to spending time with one patient, and are not accustomed to being asked questions. Historically, doctors have held a highly-respected position in Japan. There may be a lack of awareness of Western standards and expectations.

In Tokyo, there are 7 general hospitals that have English speaking doctors and 24-hour emergency departments: International Medical Center of Japan (IMCJ: Government run); The Japanese Red Cross Medical Center; Metropolitan Hiroo Hospital; St. Luke's International Hospital; Jikei University Hospital Keio Hospital and Saiseikai Hospital. There is a national emergency telephone number - 119 - for ambulance service, but non-Japanese speakers may encounter difficulty is explaining what services are needed. These emergency services are run mainly by district fire stations. In Tokyo, on weekdays from 9:00am to 5:00pm, one can call 03-5285-8181 for multi-lingual service.

Most general hospitals and college hospitals accept new patients only in the morning session (9:00am to 11:30am).

Besides the above listed hospitals, there are a number of well-known private clinics geared towards serving the expatriate and diplomatic communities. Most of these clinics do not have emergency rooms and could be closed on Sundays and Holidays.

Dental care is often carried on by a private dental practitioner.

While a growing number of Japanese doctors understand and speak English, most still are not comfortable with the language. Generally, an American is most likely to encounter English-speaking doctors at the large public, and at some private, hospitals. If language is a problem while being treated in a Tokyo area hospital, telephone translation service is available for foreign patients: 03.5285.8185.

(Again, just visit the client section and you will have access to the international PPO network. All the listed doctors speak English)

The quality of medical care in Japan is uncertain, since it could range widely depending on the geographical location, age group, and the training the doctor or team. In large cities, at university hospitals and the larger public and private hospitals, it is usually very good. The medical science and cultural ethics are trustworthy, but could be biased by the Americans due to cultural and belief barriers, local regulations, and insurance policies. (One should be aware that the local regulation and insurance policies very much affect how the practice is carried on and could brain-wash the good medicine practice.) The reason for this qualification - i.e., good - is that Japan is lagging behind other industrialized countries in regularizing specialist training, and in establishing procedures to monitor hospitals and individual doctor's care. It should be noted that Japanese health leaders have started to institute monitoring procedures but progress is slow.

(You can be assured each doctor picked for the intenrational network has been carefully selected. You can review their credentials online.)

Doctors in Japan are not public servants, unless working in a municipal or national hospital. However, there are a lot of legal restrictions all doctors must follow. They are not allowed to recommend supplements or alternative medicines and have restricted wordings for advertisement.

Many doctors in the large cities would probably be reluctant to pass on his/her private contacts, since they expect you to call the emergency service rather than his home or cellular. Appointment system is spreading, but still not very common yet in general. Even if the facility does adopt the system, it is usually taken care of by the receptionist or the secretary, and not the doctor.

Some non-Japanese physicians based in Japan recommend that their patients return to the United States for treatment of serious medical conditions--and many Americans who live there do so. The main reason for this is again, language availability, cultural and belief barriers, food choices, hospital rules, and could also be the lacking flexibility of the medical providers to meet the 'high-demanding' Americans. An International Provider in Japan has also seen many European and Canadian patients being very satisfied with the level of medical standards, service and care provided in Tokyo.

(The Global Citizen gives you seamless medical insurance coverage in Japan, the U.S. and abroad. As importatnt as it is to medical insurance outside the U.S., it it more important to ensure you have adequate coverage if you ever return to the U.S. for medical care.)

Some doctors have been trained in the US and few of them could have also obtained US medical license. However, the US medical license is not honored in Japan, and it is also likely that these licenses could also be outdated, due to a doctor s typically busy schedule and not being able to gather credentials to renew in the States. Seeking British-licensed doctors with Japanese approval is more realistic, if looking for an American doctor outside the Embassy or Military Bases. Otherwise, since the basic medical science is trustworthy in Japan, a Japanese-licensed doctor who speaks English fluently and who is brought up in the international community would be the best choice. You should also be aware of illegal or underground practice by doctors that do not have the legal right to practice. Without the legal permission, which is usually a Japanese-license, the doctor is not supposed to diagnose, prescribe or treat the patient.

Most doctors in the community are in solo practice - that is, they practice by themselves - and they are paid a fee-for-service under an insurance system, or by up-front payment. Typically, 30% co-payments are required of patients if under that National Health Insurance. Medical group practice is not as common in Japan as it is in the United States, due to strict regulations (easier to open a multi-clinic hospital, especially to establish a non-profit medical institute). A significant percentage of private doctors have their own hospitals for treating patients, as a result of historical preference. These private doctors, as a consequence, could technically refer and send their patients to any appropriate hospital, but prefer to send them to their 'friends' or 'business-related' partners. Patients have the right to choose the hospital they prefer, but in case the attending physician is reluctant about your choice, you should clearly ask for a good medical/legal reason and disclosing what their relationship is to the doctor's preferred hospital. By law, the term 'clinic' is used for medical facilities having no more than 19 beds, and 'hospital' if more than that. The detail is that there are 'bedless clinics' and 'clinics with bed'; the former is more likely to be found in large cities and to be efficient in serving with quality. Though many of the doctor offices and their small hospitals have acquired a significant array of equipment, and some high-tech equipment, patients increasingly are bypassing them to seek treatment at the larger public and private hospitals. This is because of the oriental culture to gather to the more famous, larger, and urban hospitals rather than the local. There have been efforts by government and the Japan Medical Association to change the practice of general hospitals dominating the patients regardless of the severity, to make the patients first visiting a general practitioner in private practices for screening.

Japanese general hospitals and university hospitals are found throughout the country and are staffed by full-time, salaried doctors. Hospitals are paid fees by the insurance companies for the services they provide, and 30% will be paid up-front by the patient. The medical expense under the National Health Insurance is standardized as well as the protocol, dosage, and visiting frequency. Therefore, under this insurance, you should expect, if not exactly the same, similar payment to be due at any medical provider. Under private insurance or non-insurance, the fee may widely range.

The insurance system, which finances 70% of the cost of medical care in Japan, is secured primarily through place of employment, and is administered by a variety of organizations. Typically, premiums are paid partly by the employer and partly by the employee. Special provisions provide insurance coverage for the self-employed, elderly and unemployed. Coverage is for medical care both in and out of hospital, dental care, drugs, and long-term care. There are patient co-payments for both hospital and ambulatory care, including charges for such items as medical check-ups, normal deliveries, and hospital meals. Patients will also have additional payments to make if they want a single or double-bedded room in hospital and if they choose to go to a highly specialized or university hospital without a referral. Private supplementary insurance to cover the additional costs is common, but not for check-ups and vaccines. Scheduled vaccines for children are sponsored by the local government for all registered residents, regardless of citizenship, but the schedule must follow the Japanese timing. No insurance would cover vaccines, preventative medicine, cosmetic cares, services not following the Japanese regulations (i.e. Western standards as in strength, dosages, procedures, length of treatment, et cetra). The National Health Insurance does not cover the following:

Medical certificates, claim forms; containers for prescription; vaccines and preventative measures; cosmetic services; normal pregnancy and labor; abortion; contraceptive measures; injury due to an illegal or immoral act of fight; injury or illness as a result of being drunk, or caused by a traffic accident (must be paid by the perpetrator); self-inflicted illness or injury; medical check-up, health examination, or screening; laboratory tests and prescription exceeding the regulation limits; medical service not yet approved in Japan, or approved but not accepted by the Insurance Agency; second opinion consultation; prolonged service; photocopy, digital copy; any consultation involving any one or more of these (except for certificate and container).

The major interest of the policy is to provide a safety level for the majority of the population (usually lower dosage and shorter course prescribed per visit), obviously the Japanese. That is why many foreigners report the Japanese prescription not being as effective as what they get back home.

Health costs paid by the government are rising in Japan, as elsewhere, and the government is exploring ways to control those costs.

Consular Information Sheet for Japan from U.S. Department of State

While medical care in Japan is good, English-speaking physicians and medical facilities that cater to U.S. citizens' expectations are not widespread. Japan has a national health insurance system which is available only to those foreigners with long-term visas for Japan.

(For short-term trips, use our Travel Gap travel medical insurance plan for trips from 1 to 180 days.. Get an instant quote)

U.S.-style and standard psychiatric care can be difficult to locate in major urban centers in Japan, and generally is not available outside of Japan's major cities. Extended psychiatric care for foreigners in Japan is difficult to obtain at any price.

U.S. prescriptions are not honored in Japan, so travelers who need ongoing prescription medicine should arrive with a sufficient supply for their stay in Japan, or enough until they are able to see a local care provider. Certain medications, including some commonly prescribed for depression and Attention Deficient Disorder (ADD), are not widely available.

Please don't hesitate to contact Insurance Services of America at 800.647.4589 or 480.821.9052 with any questions or concerns regarding international health, life and travel insurance.

2nd Medical Opinion… peace of mind for expats

2010-11-24T12:12:00.000-07:00

One of the important benefits of having a private international health insurance policy, it gives you the freedom to choose your own private doctor or hospital and when needed it pays for a second opinion. 24 hour worldwide assistance is available which can help you locate an English speaking physician or if it's an emergency, then emergency medical evacucation is arranged. Read the interesting article in Escape from America Magazine.

For a no-obligation international health insurance quote, contact Insurance Insurance Services of America at 800.647.4589 or health@worldwidemedical.com or visit them online at http://www.worldwidemedical.com/