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

MAY 11th 2020, 19H00 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 a crisp, quick information update with an analysis focused on recommendations regarding COVID-19 and the management of its impacts.

Where is the information sourced from:  the most reputable international sources (WHO, Chinese CDC, CDC, international media, medical institutions and journals etc …) and government websites.

Who is this bulletin prepared for: Generali Global Assistance/Europ Assistance and Generali employees, managers, clients, insurers, travelers, expatriates, partners and … anyone interested!

Overview / Historic reminder 

In December 2019 a cluster of an apparently new kind of infection was first recognized in a Wuhan market, initially transmitted from animals (most probably a bat according to the WHO’s April 23rdreport) to men but man to man transmission quickly developed with a rapid deterioration into a local epidemic in Hubei province. While there have been allegations that the virus could originate from a research laboratory, the is no objective evidence in this regard. The unfortunate coincidence with the Chinese New Year and a large number of Chinese people travelling both in country and abroad contributed to the rapid spread of this novel virus. The outbreak deteriorated in China in mid-January and forced the Chinese authorities to take stringent measures to confine the people and reduce transport, first in Wuhan and Hubei province and then in the whole country. Exported cases started to be reported at the end of the month in countries such as South Korea and Japan, and individual cases, initially often of Chinese origin or having travelled to China, were notified in several countries. The situation evolved rapidly, and restrictions in air travel began to be imposed. On January 30th the WHO declared a Public Health Emergency of International concern. On February 11th 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. In late February and early March new major outbreaks occurred in Iran and Italy, seeing a huge growth in the epidemic, which was now affecting over one hundred countries and territories. The WHO declared a PANDEMIC on March 11th. At that time, and as the situation in China was starting to improve, many countries in Europe introduced lockdown measures starting by Italy, extending rapidly in Western Europe and on most continents including countries like India or more recently in the USA. In recent weeks the USA have remained the main area of growth of the numbers of affected people and deaths, with Russia recently becoming a concern, while Asia first and now Western Europe are starting gradual deconfinement.  Local outbreaks small outbreaks after deconfinement in South Korea, Germany and Wuhan are useful warnings that all protection measures are still very important to follow. Clearly this major health crisis has created a very significant economic crisis worldwide.

Clinical picture 

The disease is highly contagious although it appears that it may be less severe than other coronavirus diseases such as SARS or MERS at this stage.  Lockdowns measures have been shown to reduce contagiousness: a recent French study showed that it reduced the reproductive number (the number of people infected by each case) from 3.3 to 0.5 (84% reduction). The proportion of severe cases has stabilized at around 15% of the total number of cases. Deaths, at around 4% to 5 % overall initially but now just below 7 %, and with wide variation between high (UK, France, Italy, Spain) and low (Germany, Austria, South Korea, Japan), occur mostly in older people above 70 years of age, and at a higher risk with underlying diseases such as diabetes, chronic pulmonary diseases and cardiovascular diseases. The WHO just reported a possible increase of the risk of worsened outcome in patients ACE (angiotensin converting enzyme) inhibitors. 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 shortness of breath, and feeling sick, with often head and muscle aches. Fever is very often but not always present. The WHO is stating that cases are the most infectious in the first three days of the symptoms. A significant incidence of anosmia (loss of smelling sensation) is now also reported. 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. In cases requiring admission to the intensive care unit for assisted ventilation, the duration of stay is usually long, between two and three weeks, and is followed by a need for rehabilitation.

Key protection measures

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 key measures are to decrease contacts therefore travel has decreased over 90% and countries have introduced lockdowns that should last at least two months in most cases. Social distancing and isolation at home are key measures to reduce contagion. In addition, hand washing, disinfection and wearing masks for care and service providers, as well as for the public when in contact with others, are the key. The availability of masks and testing have been associated to better resistance to the spread and impact of the epidemic.


Access to regular treatment of usual diseases is limited and a lot of elective interventions have been cancelled. This may be a source of increased morbidity and mortality. If someone feels symptoms possibly related to COVID-19 they should to use the local public designated numbers. They can also access help lines like the ones provided by Generali Global Assistance/Europ Assistance for their employees. Some will need to be examined and tested. Examination by family doctors and house call doctors are always preferable to attempting to visit crowded clinics, hospitals or emergency roomsTesting is currently varying across countries restricting the possibility of detecting the presence of viruses. New tests enabling the detection of antibodies are now being added and will help to determine immunity status and, indirectly, ability to return to work. Similarly, several scientific studies are underway to investigate the objective value of several treatment modalities such as antiviral drugs, or hydroxychloroquine. Obviously due to the huge decrease of flight availability not only tourists and expatriates have trouble returning home, but also providing a challenging environment for assistance companies such as Generali Global Assistance/Europ Assistance, specializing in repatriations. Exceptional evacuation of even COVID cases from isolated places or overwhelmed regions have happened using air ambulances. Several companies offer specialized transport units, but clearly such evacuations are very complex to organize and expensive. Of course, sadly, the repatriation of mortal remains has also been a complicated task. The cases admitted to hospital can normally be offered especially oxygen supplementation and tight surveillance, but many have to be admitted to intensive care. The duration of the stay as already mentioned is up to two or three weeks with heavy physical and psychological rehabilitation needs.

Current global situation  

At this stage the latest modified data available, as of 14H00 May 11th China time, the total volume of confirmed cases in China was 84450, and 4643 deaths had occurred. A total of 4181227 cases and 283880 deaths have been identified worldwide, a continued marked increase that shows that the problem remains truly a pandemic and is currently most acute in the United States, which account for almost a third of all cases in the world but active on all continents. China is now mainly concerned about imported cases especially along its north-eastern border at this stage and has stopped allowing foreigners to enter the country. The beginning of a post crisis situation is also noticed in Korea and some European countries, notably Austria. A “high plateau” situation is currently observed in western Europe including Italy, France and Spain. Several countries in Asia and Western Europe have initiated gradual deconfinement measures. As mentioned earlier local clusters even in highly performing countries like South Korea or Germany serve as a reminder that a high level of caution is still required.


Italy, with 219070 cases and 30560 deaths, Spain (264663 and 26621), Germany (171879 and 7569), France (176970 and 26380), the UK (219183 and 31859) and now Russia (209688 and 1915) have high numbers which challenge the capability of the overwhelmed health care delivery systems in many areas. Unfortunately, many senior homes have become clusters for death cases in many countries. A regular decrease in hospital and intensive care admissions is seen as a good omen in for instance Italy and France.

Asia (without China)

Although it was hit early, right after China, Asia has resisted quite well with the exception of Iran, which accounts for 107603 cases and 6418 deaths and a bit of a worrying growth in Turkey (138657 cases and 3786 deaths). Israel has a high number of cases, 16477 given its size but a remarkably low number of deaths, 256. South Korea has a large number of cases (10909, very few of them recent) but relatively few deaths (256) as has Japan (15847 and 633) which nevertheless just tightened its lockdown rules given a small “second wave” like phenomenon. This is probably due to the strong health infrastructure response and access to easy screening as in Japan and SE Asia. India remains a question mark risk-wise: there is a rise in cases in India, with 67259 cases and 2212 deaths. 

The Americas

The USA are now the country with the most cases, 1367638, as well as the most deaths 80787, 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. California was the first state to introduce a lockdown, followed by others including New York, now the hardest hit state in the country. Some states are already loosening their lockdown. The number in South America is uneven but Brazil (162699 cases, 11123 deaths and a rather weak government intervention by international standards) or Peru start having large numbers. 


Africa has a low but growing number of cases but is doing its best together with international organizations to prepare as the impact could be severe given the relatively weak public health infrastructures. So far South Africa, and four countries in North Africa, Egypt, Algeria, Morocco and Tunisia are the ones reporting figures in the thousands.

Generali Global Assistance/Europ Assistance Recommendations 

In these circumstances Generali Global Assistance/Europ Assistance recommends to:

1)     First and foremost, realize that this pandemic is a worldwide phenomenon and the more all of us take it seriously the lesser the worldwide health, sociological and economic impacts.

2)    Avoid any contact with patients with COVID-19, travelers to regions with a high incidence of COVID 19, and more generally with patients with cough and fever. When contact is required for help, protection by distance and if available masks and gloves is important.

3)     follow the usual hygiene precautions as 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. The use of masks in public places and especially public transport is more and more an approach countries favor with now scientific support.

4)     Accept the need for a worldwide push to reduce social interaction between people including long distance transportation to reduce contamination. From the corporate and company standpoint maximization of work at home is the key action when feasible. Workplaces and schedules have to be adapted to increase this.

5)     Accept the drastic reduction in access to travel means when not required for functions such as international health programs.

6)     Plan to maintain the current restrictions at least partially over time and take home the lessons learned regarding contagious disease prevention for the future

7)     Support your local health care system and facilities helping fragile people such as the old people homes.

8)     Maintain communications with colleagues, friends and families to reduce the risk of depressive reactions to the situation.

9)  Carefully design deconfinement plans that should be gradual and supported by much increased preventive measures and carefully monitored. The use of both PCR and immunological tests to at least selected segments of the population may be an asset.

Generali Global Assistance/Europ Assistance has provided detailed information with simple prevention measures for employees, partners and corporate clients. These are centered on minimizing contacts by increasing work at home, reducing physical contact, 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 but are very efficient to prevent infected people from contaminating others and are seen as a strong signal to enhance the efficacy of other measures. Frequent team e-contacts allow the maintenance of professional activities, team spirit and morale. Establishing access to psychological support is a useful component of a COVID centered service package. Deconfinement and the return to office work must be carefully planned with reduced attendance, flexible schedule, redesigned safe spaces and strict enforcements of procedures.

We encourage our readers to nevertheless consider the situation as one that will be overcome, especially if personal hygiene and 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. Generali Global Assistance/Europ Assistance cares for its clients and its employees and will do everything to help. We want to thank all of you who are providing care and assistance to the most fragile people in our communities.

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