TODAY’S UPDATED MEDICAL INFORMATION AND ACTION RECOMMENDATIONS REGARDING THE COVID-19 PANDEMIC

Generali Global Assistance/Europ Assistance is issuing the following medical advice

In order to support readers of this notice, we have highlighted (in bold) the changes from the last edition March 16th 2020.

MARCH 18th 2020, 16H30 Paris time – Dr M. Kalina, EA Group Medical Director, F. Tits, RN, EA Group Sr Project Manager and J. Heywood, EA Group communication and CSR,

The purpose of this bulletin is to provide all the entities of Generali Global Assistance/Europ Assistance (EA), GEB and GGH, to the Generali Group Management, and all their clients, with a current summary and analysis of information available both in general media and especially from Chinese and international scientific sources regarding the coronavirus outbreak in and disseminated from Wuhan to other Chinese cities, and then to many countries around the world, and to make specific recommendations for each of the client groups, national travelers, expatriates in the targeted areas, and international travelers, both corporate and leisure, as well as to EA’s own staff.

Overview 

This outbreak started officially December 31^st 2019 in a live animal and fish market in Wuhan and is thought to originate from the Chinese horseshoe bat. It initially caused relatively few cases, was managed with energetic local isolation measures, and showed no evidence of human to human contagion. Recommendations were therefore limited to avoiding contacts with animals and patients, and no travel restrictions were advised by either Chinese or international authorities. A significant deterioration of the situation in China was reported by the media over the January 18th weekend and has been increasing ever since, first in China and then worldwide. It was confirmed the following week by the Chinese authorities, including the transmission, probably through droplets, between human beings. The disease is highly contagious but appears less severe than SARS or MERS at this stage. The proportion of severe cases has stabilized around 15% of the total number of cases. Deaths occur mostly in older people’ above 70 years of age, most with underlying diseases such as diabetes, chronic pulmonary diseases and cardiovascular diseases. The signs and symptoms to watch for are first of all contact with a proven or potential case or environment, then respiratory symptoms like cough and dyspnea/shortness of breath and feeling sick. Fever is often but not always present. The incubation is usually 3 to 7 days, rare cases are transmitted from symptom free patients, and the maximum is currently thought to be 14 days although there may be cases exceeding this length.

The World Health Organization (WHO) has congratulated the Chinese authorities for their efforts in the fight against this outbreak and their contribution to research. It declared a Public Health Emergency of International Concern on January 30^th 2020 in view of the growth in the numbers and the restrictions applied by China and many countries. It supported the Chinese initiatives but strongly argued against the global spread of any measure to restrict travel as economically unsound. The WHO cooperated with IATA to standardize precautions onboard airlines and has worked with ICAO to make joint recommendations. On February 11^th 2020 to be coherent with international virus and disease naming rules the International Committee on the Taxonomy of Viruses renamed the virus SARS-CoV-2 and the WHO named the disease COVID-19. The March 3^rd edition is important because it reminds all of the definition of cases. A suspect case either has a combination of fever and one respiratory symptom and a history of travel to or contact with a source of COVID or a patient with severe respiratory illness and no other etiology. The case becomes confirmed with a positive test irrespective of symptomatology. On March 5^th the WHO’s director general made a strong appeal to all countries to take the situation seriously and to put in place measures to reduce the transmission of the disease. He warned against misinformation related to media spreading too many uncontrolled news and insisted on the importance of balance and coherent communications. The February 29^th travel recommendations have remained unchanged, but the March 10^th situation report clearly and rightly warns against any limitations in international travel not objectively founded on the reduction of infection transmission.

On March 11^th the WHO’s Director General declared that this outbreak now qualified as a PANDEMIC. The next day he declared that this pandemic must be considered CONTROLLABLE. ICAO and the WHO have issued a joint statement to support guidelines to mitigate risks in the travel industry, but there is no statement regarding the maintenance or not of air travel capabilities. The focus of the recommendations remains on decreasing contacts likely to increase contamination and early access to formal isolation and proper treatment for positive cases.

Most governments are now advising that anyone showing symptoms related to COVID-19 is asked to remain isolated and to contact the emergency services (112 or the equivalent) . The key preventive measures are targeted towards avoidance of contact with potential sources of contamination, hygiene and strictly restricting diagnosis and treatment to facilities designated by the authorities. The need for avoidance of contact to reduce contamination has led many countries to enforce house confinement measures similar to the ones enforced in China a month and a half ago.

Travelers and expatriates have to realize that several countries have seriously reduced access to activities in their countries. When possible accelerated return to the home countries is an appropriate strategy especially if the situation at home is less challenging than at the client’s current location. First and foremost are the cancellation of any crowd event, including sport competitions and the closing of schools, but several countries have gone beyond this and reduced access to shops, to elective health care, to restaurants and early return home may have to be considered if flights are still available, sometimes through modified itineraries.

Current global situation

At this stage the latest modified data available, as of 14H00 March 18th China time, the total volume of confirmed cases in China was 81163, of which 69740 had recovered and 3242 deaths had occurred. A total of 116410 cases and 4731 deaths have been identified outside of China, a continued marked increase that shows that the problem is not related to China but global. The general situation of the epidemic is improving in China and the confirmed case volume is continuing to decrease as more and more healed cases, over 75% of the total cases, emerge. New cases, few of them (only 34 yesterday), continue to occur mainly but at entry points like international airports. The very sharp global increase is now mainly in Europe.

Initially many countries implemented rules against travel to and from China, but as the number of affected countries has increased significantly, and as many measures have been taken by many countries to reduce or forbid access to their territory to anyone directly or indirectly coming from a high contamination risk country it has become imperative for people to enquire about any limitations with the EA entity they are contracted with. The EA entity will contact the one in the country concerned or the agent to ensure that accurate and up to date information is provided in addition to adapted assistance services, always aligned to government advice. The number of such cases is expected to decrease as very few travelers remain and even many expatriates have left.

Europe

Italy (now the second hardest hit country with 31506 cases and 2503 deaths), Spain (11826 and 503), Germany (9369 and 26) and France (7730 and 175) have high rising number which challenge the capability of the overwhelmed health care delivery systems in many areas. The variation in the death rate may in part be linked to differences in the availability of resources.

The week of 16 March has seen the situation dramatically evolve in Europe as cases escalate. Italy first took the measure to lockdown the Lombardy Region and a number of provinces, it then took further steps to lock down the entire country. Currently in Italy all travel into or out of is banned unless there are urgent reasons to do so and most governments have recommended a halt to all travel to Italy, with subsequent mass cancelation of flights. Italian citizens are being urged to remain at home unless they have an urgent health or work reason or purchase food and household cleaning products or medicine. Shops and restaurants, schools and universities are closed.

Subsequently, action has followed across the rest of Europe with the UK the main notable exception at this stage. The measures taken vary country per country however most countries have adopted the closure of schools and universities, sporting events and mass gatherings while others have gone further to issue travel restrictions and in the case of several countries strong measures on border control to limit entry to nationals and sometimes control health status in addition. In all cases the evolution is toward home confinement as is already the case in China, Italy, France, Belgium and tomorrow Portugal.

Asia

Although it was hit early, right after China, Asia has resisted quite well with the exception of Iran, which accounts for 16169 cases and 988 of the continents 29752 cases and 1144 deaths. Korea has a large number of cases 8413 but relatively few deaths 29. This is probably due to the strong health infrastructure response in Japan and SE Asia. India remains a question mark. There is a rise in cases in the border regions between India and Pakistan.

The Americas

The USA now have 6509 and the government has acknowledged the extent of the challenge and began to restrict travel into the country, with week March 16 seeing the introduction of a travel ban to a number of European countries. The number in South America is spread out and totals 993 cases. A number of South American countries have restricted flights to Europe while Peru and Ecuador have enforced a lockdown, similar to those seen in Europe.

Oceania

Similarly to South East Asia, Oceania has relied on the strong public health response, with a relatively low number of cases 565.

Africa

Africa has a low number of cases, 541 and 14 deaths but is doing its best together with international organizations to prepare as the impact could be severe given the relatively weak public health infrastructures.

Generali Global Assistance/Europ Assistance Recommendations 

In these circumstances Generali Global Assistance/Europ Assistance recommended, to first and foremost avoid any contact with patients with COVID-19, and more generally with patients with cough and fever. This is also recommended to national clients. Of course, the usual hygiene precautions should remain a priority considering that regular handwashing, disinfection and adequate use of mask wearing, especially in public transport and crowded places, are part of these essential hygienic attitudes. In addition, for expatriate patients planning to remain in these countries one would suggest avoiding exposure to mass transport, visits to hospitals and clinics, as well as to markets with live fish and animals. In addition, a worldwide push to reduce social interaction between people to reduce contamination is supported by Generali Global Assistance/Europ Assistance, all the way to and including confinement for periods of weeks.

For those seeking to enter or exit countries or regions with government-imposed restrictions will face severe travel distribution.  For expatriates wishing to travel back and for travelers the individual decision should take into account the measures and travel restrictions issued by several governments, and the fact that many airlines have temporarily suspended flights. Clearly any travel undertaken have formal restrictions were announced could be challenged cover wise. For non-essential travel to China the sensible individual decision may be to delay travel for several days until the information regarding this epidemic is more reliable. These considerations concern China, Korea, Iran and Italy as there are no medical reasons to restrict travel anywhere in Asia or the world because of the COVID-19 epidemic. There is an increasing risk that countries, Thailand, Israel, Czech Republic, Denmark or Morocco being examples, put restrictions in place for travelling visitors from affected countries thus reducing access to care even to people with no COVID-19 issue.

Our internal procedures are until further advise to ensure negative test for COVID-19 has been carried out for any EA patient with respiratory disease, who travels by air (air ambulance or commercial carrier) from any affected country to any other country. Patients no matter where they are must monitor signs of infection, fever and respiratory symptoms and follow local rules after calling their EA platform before seeking care. In general, if positive they will be asked to remain in isolation for 14 days if not very sick, or to be cared for locally.

Generali Global Assistance/Europ Assistance has provided detailed information with simple prevention measures for employees, partners and corporate clients. These will be centered on minimizing contacts by increasing work at home, reducing physical meetings, and even reducing usual means of showing friendship such as handshakes and kisses. It emphasizes the need for frequent handwashing with soap and water, plus, wherever appropriate alcoholic disinfectant. These should be provided at offices. Masks should be used by anyone dealing with potential patients, people living in the same room as suspect cases, and of course people with symptoms. They are marginally useful otherwise to protect healthy people from getting the virus.

We encourage our readers to nevertheless consider the situation as one that will be overcome, especially if governmental restrictions are adhered to, and to remember that most people affected will not be seriously ill. The key is adherence to public health advice and optimism. Generali Global Assistance/Europ Assistance cares for its clients and its employees and will do everything to help.

The current bulletin will be updated regularly until the situation stabilizes.

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