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The surprising ways time abroad can improve mind, body and bank balance

Ever looked at all the challenges laid in front of you and lamented, ‘I really need a holiday’?

The surprising ways time abroad can improve mind, body and bank balance
Discovering all the places you've dreamed of visiting? International health insurance is a must. Photo: Getty Images

Embarking on a new adventure, far away from everyday routine, has long been celebrated. 

It’s also long been considered to have positive health benefits. In his ‘The Conquest of Happiness’, the English philosopher Bertrand Russell remarked, ‘If I were a medical man, I should prescribe a holiday to any patient who considered his work important.’

And it’s not just short trips abroad that have been known to revive the soul; relocating or living abroad may be even more beneficial. 

Is there any truth to the idea that a change of scenery has beneficial effects? Could adventure and exploration, in fact, be ‘the best medicine’? 

In partnership with international health insurance provider Cigna Global, we look at the evidence. 

Peace of mind

The science is reasonably unequivocal as to the effects of travel on the brain: The ‘positive effects of travel experiences on perceived health and wellness have been demonstrated by multiple studies’, as stated in a 2013 literature review by researchers from Washington State University and Texas A&M.

Over the last decade, a number of studies have lent weight to this conclusion. 

Significantly, a paper published in the Personality and Social Psychology Bulletin showed that travelling and experiencing different cultural environments, a key component of living abroad, led to more developed creative thinking skills. The mere act of recalling living experiences abroad, it found, led to a greater range of responses to a series of problems. 

Additionally, a 2018 paper published in Organisational Behaviour and Human Decision Processes demonstrated through six studies that living abroad can improve decision-making skills. As the abstract to the paper states, ‘living abroad leads to a clearer sense of self because it prompts self-discerning reflections on whether parts of our identity truly define who we are or merely reflect our cultural upbringing’.

Even just anticipating an upcoming change of scenery can have positive mental effects. In 2020, a survey by NORC at the University of Chicago found 97% of respondents reported feeling happier as they planned a holiday, with the effects lasting over time – anticipation of pleasurable experiences, it seems, can be just as much of a mood-booster as the experiences themselves.

Planning your next summer holiday? Remove worry and make sure you’re covered with international health insurance from Cigna Global 

Of course, any overseas adventure will at some stage involve some language learning, and that too has been proven to improve cognitive skills. A 2012 paper in the journal NeuroImage demonstrated that learning a second language led to an increase in the brain’s ‘grey matter’ in the areas controlling language.

Bodily benefits  

Of course, more developed thinking skills will result in overall increased wellbeing – but does embarking on an overseas adventure have positive effects on physical health?

While the science here isn’t as developed as in the area of cognitive skills, studies do seem to show that this is the case. 

In 2013, the Global Commission on Aging and Transamerica Centre for Retirement Studies, in partnership with the U.S. Travel Association published a study that found that, across genders, retirees who travelled at least once a year had a significantly decreased chance of suffering a heart attack, than those who remained at home – the mental stimulation involved playing some as yet undefined role in physical robustness.

Furthermore, a 2000 paper in Occupational Medicine found that travel often resulted in weeks of better sleep and fewer complaints of physical ailments. As bodies, such as the CDC, find that we’re increasingly not getting enough sleep, this is a particularly significant benefit. 

Time abroad can recharge and refresh you – especially if you’re fully covered in case of accident or emergency. Learn more about Cigna’s international health insurance plans 

Adventure-bound: It’s a great big world out there – make sure you’re fully covered when exploring it. Photo: Getty Images

Good for the hip pocket?  

As the science indicates, travel can, in fact, improve physical and mental health – but you might also be surprised to find that it can have benefits in terms of employment and earning opportunities. 

A 2018 survey by RAND Europe found that 80% of European scientific researchers who had opted to live and study abroad said that it improved their networks and work opportunities, and just under 40% said they had found a job as a result. 

Support for your next adventure

What are you waiting for? Venturing overseas has been shown to be good for body and mind. 

In fact, it could be exactly what you need in terms of improving cognitive skills, decreasing the risk of heart attacks and improving your sleep – and imagine the wonderful experiences you will have!

When making the leap, make sure that you have international health insurance with a reputable provider. 

With international health insurance, in case of an accident or emergency, you will have access to private hospitals as well as a global network of specialists for treatment. A good provider will also fly you home for treatment should you need it.

When evaluating international health insurance providers, consider Cigna. With a history extending two hundred years, Cigna has wide-ranging expertise about the variety of situations that travellers can find themselves in.

For the last sixty years, Cigna has been building a network of hospitals and specialists to treat customers in trouble, and now offers 24/7 phone access in English to policyholders. With Cigna, no matter where you are, or what time it is, you can access someone who can help and speaks your language. 

In addition, until the end of May, Cigna is offering a free health and well-being policy upgrade to help you on your way abroad. It includes annual routine physical examinations, preventative cancer screenings, dietician consultations and telephone wellness coaching, to make sure that many issues you may face can be avoided.

Heading abroad is medicine, in a manner of speaking. It can improve mind and body and lead to opportunities that you never dreamed of – that’s why it’s so important that you’re fully protected when you set off. 

Are you ready to try living abroad? Discover more about how Cigna helps you enjoy peace of mind as you make your move

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HEALTH INSURANCE

EXPLAINED: How the Swiss health insurance system is based on solidarity

Much has been said about Switzerland’s compulsory health insurance, most of it pertaining to its high — and continually growing — costs. But there is also another aspect of the scheme many people may not know about.

EXPLAINED: How the Swiss health insurance system is based on solidarity

For many people in Switzerland, the obligatory medical insurance is a sore point.

Premiums will likely rise by an average of 5 percent in the fall, and many people could even see their rates soar by more than 10 percent in 2023 — the sharpest hike in premiums in 20 years.

READ MORE: EXPLAINED: How Switzerland wants to cut soaring healthcare costs

While there are some ways to save money on a health plan, overall these policies are expensive, and you will hear many people grumble about this cost — even though Swiss healthcare system is known for its excellent level of care.

What you may have not known is that the whole scheme is based on the principle of solidarity, the extent of which is rare in other nations’ health insurance systems.

What exactly does this mean?

Rather than applying an individual approach to healthcare insurance, Switzerland’s system is based on the idea that all insured people form a group.

You can think of this system in terms of a huge pot to which each resident of Switzerland makes a contribution (that is, premium payments), so that in an emergency there are enough resources available to give someone the help they need when they need it.

This kind of ‘one for all’ approach takes precedence over the ‘to each his own’ attitude prevalent in many other countries.

“This means that even those who are in perfect health and never need to see a doctor pay their monthly premiums and thus indirectly provide for those who are ill and need more medical support”, according to a report by the WIRE research think tank.

In other words, all the people of the same age group living in the same canton pay the same premium, rather than different rates based on their income or other personal circumstances.

This applies only to the obligatory basic insurance (KVG / LaMal); supplemental insurances have a different rate base.

Under this system, “it is the task of the federal government, cantons, municipalities and health insurance companies to keep this group balanced<2, the report says. “That’s why decisions in the Swiss healthcare system are always taken in the interest of the group as a whole».

How did this system originate?

This principle of solidarity between the healthy and the sick has a long tradition in Switzerland and is even enshrined in the health insurance law.

“In practice, this also results in solidarity between young and old, because young people on average have little need of medical care, but the risk of illness increases with age”, the WIRE report points out.

“Uniform premiums also mean that there is solidarity between men and women, as the latter generally claim more medical benefits due to pregnancies and births and longer life expectancy,” it added.

How does this system compare with health policies in other countries?

According to the report, in an international comparison, the Swiss health system “displays greater solidarity than the US health system”, where anyone who is not insured has to pay for medical treatment out of their own pocket, “which is why many people get into debt”.

Switzerland’s approach is “also more liberal than Germany’s where health insurance premiums depend on a person’s income”.

Likewise, it is also more liberal than the health systems in France and the UK, “which rely more on fiscal contributions from the state”.

As for the question whether those countries’ health system are superior to Switzerland’s, the report notes that “this is doubtful because state healthcare systems financed by taxes are also forced to compensate for dwindling tax revenues, for example by increasing deductibles, which reduced the solidarity between the insured in different income bracket”.

READ MORE: How is Swiss healthcare system different from the rest of Europe?

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