Analysis of the Return Emigrants’ State of...
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149
Chapter VII
Analysis of the Return Emigrants’State of Health
7.1. Introduction
The purpose of this chapter is to analyse the current state of health of the return
emigrants from the six GCC countries and, to evaluate its socioeconomic implications.
The incidence and prevalence rates of chronic disease morbidity in any population or in
any of its sub groups could be the upshot of a large variety of reasons ranging from
hereditary factors to environmental influences. Chronic diseases, in general, are
degenerative and, very often, have been linked to work disability, early retirement, and
reduced productivity. Currently, chronic conditions are responsible for sixty per cent of
the global disease burden. They are increasing such that by the year 2020 developing
countries can expect eighty per cent of their disease burden come from chronic problems
(WHO, 2002). Exorbitant treatment expenses and that too for a long period of time might
strike at the root of family budgets leading to the impoverishment of many.
The enormity of economic problems related to chronic diseases among the return
emigrants has to be gauged through the analysis of primary data collected for the purpose.
The previous chapter serves as precursor for the analysis in this chapter as the
measurement of health status, independent of the socioeconomic, demographic and
environmental background of the people under investigation might be misleading. Here,
the analysis begins with a comparative evaluation of the prevalence rate of chronic disease
morbidity among return emigrants from the Gulf.
7.2. Chronic Disease Morbidity among Return Emigrants
In the case of chronic degenerative disease the morbid process is irreversible even
though at intermittent but short intervals the afflicted individuals may feel relieved. That
is, recovery is not possible and an individual who becomes ill at a certain time remains ill
until death and, therefore, this investigation adopted a one year recall period and, only the
clinically diagnosed cases that lasted for more than six months were taken into account so
as to absorb the extent of the problem. The enormity of the problem, however, can well be
understood only when the results are placed in comparison with the comprehensive cross
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sectional studies conducted in Kerala during the past and, therefore, such an attempt is
made here.
Table 7.1: Prevalence Rate of Chronic Disease Morbidity among Return Emigrantsagainst all Kerala Results from Selected Studies
(Per 1000 Population)
Year Study Prevalence Rate
1974 NSSO 28th Round (Rural Kerala) 84
1987 Kerala Sastra Sahitya Parishad 138
1993 NCAER (Rural Kerala) 65
1993 NCAER (Urban Kerala) 50
1996 Kerala Sastra Sahitya Parishad 115
1998 NSSO 52nd Round (Rural Kerala) 38
1998 NSSO 52nd Round (Urban Kerala) 27
1999 Panikar 59
2004 Ashokan (Rural Kasaragod) 155
2008 Kerala Migration Survey 2007 150
2011 Sample Survey 344
Sources: Different Reports and Studies; Sample Survey
The results of selected studies, on the general population of Kerala, exemplify ample
inconsistency, with a minimum prevalence rate of 27 for urban Kerala (NSSO, 1998) and
a maximum of 155 for rural Kasaragod (Ashokan, 2004). A methodical scrutiny of this
divergence, however, is beyond the scope of this study. The morbidity prevalence rate
among the return emigrants, vis-à-vis the broad Kerala pattern, as revealed by the sample
data, nevertheless, shows a different picture with 344 per thousand people. This result is
quite disturbing in view of the fact that only eight non-communicable chronic diseases –
Cardiovascular, Arthritis, Diabetes, Hypertension, Asthma, Cancer, Renal, and Cholesterol
– were incorporated in the study. Three probable explanations could be suggested to
describe the factors contributed to the observation of high prevalence rate in the sample
survey: (i) the general trend of shift, over the years, in the morbidity pattern of Kerala,
from communicable to non-communicable diseases; (ii) the inclusion of two main clinical
risk factors – hypercholesterolemia and hypertension in the list of chronic diseases (iii) the
contribution of migration related stressors as well as lifestyle and working and living
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environment during overseas stay. The rationale in support of the categorization of the
irreversible cases of hypercholesterolemia and hypertension as diseases, in this study,
stems from the ‘declared irreversibility’ (the return emigrants recalled instances of such
pronouncement by the physicians they had consulted) of such clinically diagnosed risk
factors and consequently the prescriptions for lifelong medications. An explicit exposé of
the true picture of morbidity pattern, therefore, warrants a delineation of disease specific
morbidity rate among return emigrants compared to the overall pattern in Kerala.
Table 7.2: Disease Specific Prevalence Rate among Return Emigrants vis-à-vis theGeneral Pattern in Kerala
Chronic DiseasePrevalence Rate (per 1000)
Return Emigrants Kerala Overall*
Cardiovascular 86 81Arthritis 06 43Diabetes 225 201Hypertension 256 242Asthma 17 85Cancer 14 10Renal 28 11Cholesterol 169 56Sources: Sample Survey; Zachariah & Rajan (2008)Note: *The figures are calculated from KMS 2007
The return emigrants’ soaring susceptibility vis-à-vis the general population in Kerala,
especially, to hypertension (256/10000), diabetes (225/1000), cholesterol (169/1000),
Cancer (14/10000, Renal (28/1000) and cardiovascular (86/1000) diseases (primarily heart
disease and stroke), was explicit in the survey data (see table 7.2). The only respite was the
relatively low prevalence rate of arthritis and asthma among the return emigrants. The
inherent problems – both hereditary and environmental – that the return emigrants
confronted during their pre emigration phase and that could have contributed, at least
partially, to their present predicament were assumed, in the present study, to be common
problems that contribute many of the chronic diseases that plague our society today and,
therefore were equally applicable to both emigrants and non-emigrants. The prevalence
rate of chronic disease morbidity and its observed relationships with the return emigrants’
demographic features like age; socioeconomic backgrounds; overseas working and living
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environment; and their exposure to probable risk factors are elucidated in the following
sections of this chapter.
7.3. Chronic Disease Morbidity among Different Age Groups
It is a global phenomenon that a heavy burden of chronic disease falls on older
groups. National Sample Survey data (NSS 1995-96) confirmed a higher prevalence of
morbidity (162/1000) among older populations in Kerala. However, the early onset of
chronic diseases, among the return emigrants, as substantiated by the survey data (see
table 7.3) is quite startling.
Table 7.3: Prevalence Rate of CDM among Return Emigrants by Age Group
Age Group Return Emigrants Return Emigrantswith Chronic Disease
Prevalence Rate(per 1000)
20 – 29 97 13 134
30 – 39 124 24 194
40 – 49 69 35 507
50 – 59 50 37 740
60+ 20 15 750
Overall 360 124 344
Source: Sample Survey
More than fifty per cent of the return emigrants in the age group 40 – 49 were
afflicted by one or the other of the chronic diseases. The prevalence rates were
increasingly and alarmingly high for 50 – 59 (740/1000) and 60 plus (750/1000) age
groups. This, unequivocally, indicated that the factors other than age could be better
predictors for chronic disease among the return emigrants in Kerala.
7.4. Chronic Disease Morbidity by Religion
Though the religious faith or affinity of the return emigrants had nothing to do with
their morbidity, the survey data showed interesting results. The morbidity prevalence rate
was highest among Christians (439/1000) and lowest among Hindus (314/1000). Muslims
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had a prevalence rate of 330 per 1000. Even though the analytical examination of this
inconsistency in the prevalence rate is beyond the scope of the study, a further
examination revealed that the Christian return emigrants had the highest prevalence rate of
hypertension and cholesterol. Incidentally, they also had the highest post return
unemployment rate (38 per cent) and the maximum post return stay period at home (5.5
years).
Figure 7.1:Prevalence Rate of CDM among Return Emigrants by Religion
(Per 1000 Return Emigrants)
Source: Sample Survey
7.5. Chronic Disease Morbidity by Marital Status
Prevalence rate of chronic disease morbidity by marital status of the return emigrants
was confounded by the effects of age, as prevalence rates, as expected, were high for those
belonging to higher age groups, naturally, the ‘married’ group fell into the category of
high prevalence group.
Here, the ‘single’ category meant unmarried return emigrants at the time of the
survey. They represented the least prevalence rate (143/1000) category among the three
groups based on marital status (see figure 7.2). The mean ages of the ‘single’ (28 years),
‘married’ (41 years) and the ‘divorced/separated’ (33 years) explain, beyond doubt, the
discrepancy in the prevalence rates.
314
HINDU
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had a prevalence rate of 330 per 1000. Even though the analytical examination of this
inconsistency in the prevalence rate is beyond the scope of the study, a further
examination revealed that the Christian return emigrants had the highest prevalence rate of
hypertension and cholesterol. Incidentally, they also had the highest post return
unemployment rate (38 per cent) and the maximum post return stay period at home (5.5
years).
Figure 7.1:Prevalence Rate of CDM among Return Emigrants by Religion
(Per 1000 Return Emigrants)
Source: Sample Survey
7.5. Chronic Disease Morbidity by Marital Status
Prevalence rate of chronic disease morbidity by marital status of the return emigrants
was confounded by the effects of age, as prevalence rates, as expected, were high for those
belonging to higher age groups, naturally, the ‘married’ group fell into the category of
high prevalence group.
Here, the ‘single’ category meant unmarried return emigrants at the time of the
survey. They represented the least prevalence rate (143/1000) category among the three
groups based on marital status (see figure 7.2). The mean ages of the ‘single’ (28 years),
‘married’ (41 years) and the ‘divorced/separated’ (33 years) explain, beyond doubt, the
discrepancy in the prevalence rates.
330
439
MUSLIM CHRISTIAN
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had a prevalence rate of 330 per 1000. Even though the analytical examination of this
inconsistency in the prevalence rate is beyond the scope of the study, a further
examination revealed that the Christian return emigrants had the highest prevalence rate of
hypertension and cholesterol. Incidentally, they also had the highest post return
unemployment rate (38 per cent) and the maximum post return stay period at home (5.5
years).
Figure 7.1:Prevalence Rate of CDM among Return Emigrants by Religion
(Per 1000 Return Emigrants)
Source: Sample Survey
7.5. Chronic Disease Morbidity by Marital Status
Prevalence rate of chronic disease morbidity by marital status of the return emigrants
was confounded by the effects of age, as prevalence rates, as expected, were high for those
belonging to higher age groups, naturally, the ‘married’ group fell into the category of
high prevalence group.
Here, the ‘single’ category meant unmarried return emigrants at the time of the
survey. They represented the least prevalence rate (143/1000) category among the three
groups based on marital status (see figure 7.2). The mean ages of the ‘single’ (28 years),
‘married’ (41 years) and the ‘divorced/separated’ (33 years) explain, beyond doubt, the
discrepancy in the prevalence rates.
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Figure 7.2:Prevalence Rate of CDM among Return Emigrants by Marital Status
(Per 1000 Return Emigrants)
Source: Sample Survey
7.6. Chronic Disease Morbidity by Education
The level of education has played and still continues to play a crucial role in the
matters of health all over the world. The prevalence of chronic disease morbidity is
generally high among the uneducated or among the people with a low level of education,
owing to their economic backgrounds and greater vulnerability to behavioural risk factors.
The type, nature, and characteristics different occupations they are employed with also
enhance their exposure to risk factors.
The classification of return emigrants into groups – secondary and above, and below
secondary – yielded reasonably expected results, but the magnitude of discrepancy in the
prevalence rate between the two groups was startling. One out of every two return
emigrants, who had only ‘below secondary’ level of education, suffered from at least one
of the chronic diseases listed. The prevalence rate was slightly more than thirty per cent
among the ‘secondary or above’ educated return emigrants.
143
SINGLE
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Figure 7.2:Prevalence Rate of CDM among Return Emigrants by Marital Status
(Per 1000 Return Emigrants)
Source: Sample Survey
7.6. Chronic Disease Morbidity by Education
The level of education has played and still continues to play a crucial role in the
matters of health all over the world. The prevalence of chronic disease morbidity is
generally high among the uneducated or among the people with a low level of education,
owing to their economic backgrounds and greater vulnerability to behavioural risk factors.
The type, nature, and characteristics different occupations they are employed with also
enhance their exposure to risk factors.
The classification of return emigrants into groups – secondary and above, and below
secondary – yielded reasonably expected results, but the magnitude of discrepancy in the
prevalence rate between the two groups was startling. One out of every two return
emigrants, who had only ‘below secondary’ level of education, suffered from at least one
of the chronic diseases listed. The prevalence rate was slightly more than thirty per cent
among the ‘secondary or above’ educated return emigrants.
407
333
MARRIED DIVORCED/SEPARATED
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Figure 7.2:Prevalence Rate of CDM among Return Emigrants by Marital Status
(Per 1000 Return Emigrants)
Source: Sample Survey
7.6. Chronic Disease Morbidity by Education
The level of education has played and still continues to play a crucial role in the
matters of health all over the world. The prevalence of chronic disease morbidity is
generally high among the uneducated or among the people with a low level of education,
owing to their economic backgrounds and greater vulnerability to behavioural risk factors.
The type, nature, and characteristics different occupations they are employed with also
enhance their exposure to risk factors.
The classification of return emigrants into groups – secondary and above, and below
secondary – yielded reasonably expected results, but the magnitude of discrepancy in the
prevalence rate between the two groups was startling. One out of every two return
emigrants, who had only ‘below secondary’ level of education, suffered from at least one
of the chronic diseases listed. The prevalence rate was slightly more than thirty per cent
among the ‘secondary or above’ educated return emigrants.
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Figure 7.3:Prevalence Rate of CDM among Return Emigrants by Education
(Per 1000 Return Emigrants)
Source: Sample Survey
7.7. Chronic Disease Morbidity by Overseas Destination
There were pervasive differences in prevalence rates among emigrants returned from
different destinations in the GCC region (see table 7.4).
Table 7.4: Prevalence Rate of CDM among Return Emigrants by
Overseas Destination
Country ofEmployment
ReturnEmigrants
Return Emigrantswith Chronic Disease
PrevalenceRate
(per 1000)UAE 106 25 236
Saudi Arabia 139 62 446
Oman 44 16 364
Kuwait 20 7 350
Bahrain 16 5 313
Qatar 35 9 257
Overall 360 124 344
Source: Sample Survey
Return emigrants from Saudi Arabia had the highest prevalence rate (446/1000).
Incidentally, the maximum period of overseas stay was in Saudi Arabia (8.29 years on
average) compared to any other destination. Exposures to most of the risk factors like job
characteristics were also at their peak in Saudi Arabia. The fact that the maximum number
of return emigrants in Kerala had come from Saudi Arabia did accentuate the significance
of this high prevalence rate. The other GCC countries with high prevalence rates were
BELOW SECONDARY
SECONDARY AND ABOVE
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Figure 7.3:Prevalence Rate of CDM among Return Emigrants by Education
(Per 1000 Return Emigrants)
Source: Sample Survey
7.7. Chronic Disease Morbidity by Overseas Destination
There were pervasive differences in prevalence rates among emigrants returned from
different destinations in the GCC region (see table 7.4).
Table 7.4: Prevalence Rate of CDM among Return Emigrants by
Overseas Destination
Country ofEmployment
ReturnEmigrants
Return Emigrantswith Chronic Disease
PrevalenceRate
(per 1000)UAE 106 25 236
Saudi Arabia 139 62 446
Oman 44 16 364
Kuwait 20 7 350
Bahrain 16 5 313
Qatar 35 9 257
Overall 360 124 344
Source: Sample Survey
Return emigrants from Saudi Arabia had the highest prevalence rate (446/1000).
Incidentally, the maximum period of overseas stay was in Saudi Arabia (8.29 years on
average) compared to any other destination. Exposures to most of the risk factors like job
characteristics were also at their peak in Saudi Arabia. The fact that the maximum number
of return emigrants in Kerala had come from Saudi Arabia did accentuate the significance
of this high prevalence rate. The other GCC countries with high prevalence rates were
507
303
155
Figure 7.3:Prevalence Rate of CDM among Return Emigrants by Education
(Per 1000 Return Emigrants)
Source: Sample Survey
7.7. Chronic Disease Morbidity by Overseas Destination
There were pervasive differences in prevalence rates among emigrants returned from
different destinations in the GCC region (see table 7.4).
Table 7.4: Prevalence Rate of CDM among Return Emigrants by
Overseas Destination
Country ofEmployment
ReturnEmigrants
Return Emigrantswith Chronic Disease
PrevalenceRate
(per 1000)UAE 106 25 236
Saudi Arabia 139 62 446
Oman 44 16 364
Kuwait 20 7 350
Bahrain 16 5 313
Qatar 35 9 257
Overall 360 124 344
Source: Sample Survey
Return emigrants from Saudi Arabia had the highest prevalence rate (446/1000).
Incidentally, the maximum period of overseas stay was in Saudi Arabia (8.29 years on
average) compared to any other destination. Exposures to most of the risk factors like job
characteristics were also at their peak in Saudi Arabia. The fact that the maximum number
of return emigrants in Kerala had come from Saudi Arabia did accentuate the significance
of this high prevalence rate. The other GCC countries with high prevalence rates were
507
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Oman, Kuwait and Bahrain. The return emigrants from Qatar and UAE had the least
prevalence rate. The mean duration of stay by the return emigrants in these two countries
was relatively less.
7.8. Chronic Disease Morbidity by Overseas Occupation
The effect of overseas occupation on prevalence of chronic disease morbidity among
return emigrants follows, largely, from their long term exposure to agents with latent
effects. It was found that those who were working as domestic servants, construction
workers, farm workers and other unskilled workers had the highest prevalence rate
(415/1000). The five broad occupational groups (see table 7.5) indicated, clearly, that the
return emigrants who were classified in the ‘first group’ had the least prevalence rate. In
fact, this grouping was made basically on the basis of prevalence rate and not the other
way round. Those who were having closer prevalence rates were put together to form a
group.
Table 7.5: Prevalence Rate of CDM among Return Emigrants by OverseasOccupation
Occupational Group ReturnEmigrants
ReturnEmigrants
with ChronicDisease
PrevalenceRate
(per 1000)
1Bank, Engineer, IT/IT related,Manager/Accountant/OfficeWork, Cashier, Overseer,Supervisor, Teacher, Business
35 7 200
2Electrician, Fire service,Plumber,Manufacturing, Petroleum,Natural Gas, Cold Storage,
58 16 276
3Driver/Other TransportationWorker, Salespeople, MarketingRepresentative
135 47 348
4Barber, Mason, Tailor, Painter,Carpenter, Welder, Mechanic,Goldsmith, Fabrication Worker
50 20 400
5Housekeeper/Domestic Servant,Construction, Farm and otherUnskilled Workers
82 34 415
Overall 360 124 344Source: Sample Survey
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7.9. Chronic Disease Morbidity by Job Characteristics Abroad
All occupations in the Gulf exemplified any one, two or more of the characteristics
such as high physical labour, noise, work stress, and worry about job security. The link
between perceived job characteristics and chronic disease morbidity as shown in the table
(see table 7.6) underscores the adverse effects of job characteristics on human health.
Table 7.6: Prevalence Rate of CDM among Return Emigrants by Reported JobCharacteristics Abroad
Source: Sample Survey
Return emigrants who were employed in occupations that required heavy physical
labour had the highest prevalence rate (603/1000) whereas the prevalence rate among
return emigrants who confirmed that their occupation did not entail heavy physical labour
was much lower (102/1000). On the whole, the occurrence and addition of every adverse
job characteristic amplified the prevalence rate and their absence proved the opposite.
Since health status, in this study, is defined in terms of chronic disease morbidity – a
categorical dichotomous outcome – logistic regression is the appropriate multivariate
analysis. All 360 sample units are included in the analysis.
Job CharacteristicsReturn
Emigrants’Response
Number ofReturn
EmigrantsResponded
ReturnEmigrants
withChronicDisease
PrevalenceRate
(per 1000)
Heavy PhysicalLabour
Yes 174 105 603
No 186 19 102
Noise, Dust,Vapors, Polluted
Air
Yes 201 85 423
No 159 39 245
Work Stress Yes 199 77 387
No 161 47 292
Overtime/LongWork Hours
Yes 208 80 385
No 152 44 289
Worry About JobSecurity
Yes 81 38 469
No 279 86 308
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Table 7.7: Amount of Variation Explained by the Model
Model Summary
Source: Sample Survey
Nagelkerke’s R2 is found to be 0.837, indicating a strong relationship between the
predictors and prediction. It shows that about 84 per cent of the variation in the outcome
(chronic diseases morbidity) is explained by this model.
Table 7.8: Estimates of the Logistic Regression Model
Variables in the Equation
B S.E. Wald df Sig. Exp(B)
95% C.I. for
EXP(B)
Lower UpperStep1* AWCGULF .450 .086 27.569 1 .000 1.569 1.326 1.856
AGE .108 .014 61.911 1 .000 1.115 1.085 1.145
ASSET .038 .011 12.235 1 .000 1.039 1.017 1.061
INCOME -.016 .020 .619 1 .431 .984 .945 1.024
CONSTANT-
6.639
.743 79.790 1 .000 .001
Source: Sample Survey
The variables included are: (i) adverse working conditions in the Gulf (AWCGULF),
(ii) current age of the return emigrants (AGE), (iii) total value of household assets
(ASSET), and (iv) current income (INCOME). An all-inclusive assessment of overseas
working condition is made on the bases of job characteristics such as high physical labour;
noise, dust, polluted air; work stress; overtime/long working hours; worry about job
security and harassment from superiors. Equal weights are assigned to every adverse
condition, reported, in order to arrive at a total adverse working condition value index for
Step -2 Loglikelihood
Cox & SnellR Square
NagelkerkeR Square
1 29.850 0.631 0.837
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each return emigrant. The value ranged between 0 (no adverse condition) and 1 (all
adverse conditions); higher value indicates more adverse conditions.
The Wald estimates give the importance of the contribution of each variable in the
model. The higher the value, the more important it is.
Only statistically significant (p < .05) variables could be treated as predictor variables
in any model and, therefore, all independent variables except the current income (P > 0.05)
of the return emigrants seem to have a bearing on the dependent variable - the presence of
at least one of the identified chronic diseases.
The Exp (B) gives the odds ratio. The odds ratio corresponding to adverse working
condition validates, beyond doubt, the proposition suggested at the beginning of this
study; buildup of one more AWC in the Gulf implies that the return emigrants are 1.569
(95% CI 1.326 – 1.856) more times likely to be inflicted with at least one of the chronic
diseases.
It is an established fact that ageing is one of the major determinants of chronic
disease. Since age is a quantitative numerical variable, an increase of one-year in age has
11.5 per cent (95% CI 8.5% to 14.5%) increase in odds ratio of having chronic disease
morbidity. When household wealth is increased by one unit (Rupees One lakh), the odds
ratio is 1.039 (95% CI 1.017 – 1.061) times as large and therefore return emigrants are
1.039 more times likely to have chronic disease and this underscores the argument that
many chronic diseases are “diseases of affluence” and not of deprivation.
All these results suggest that the age of return emigrants, their working environment
abroad and household assets have statistically significant impact on the health state as
revealed by the respective odds ratio.
7.10. Chronic Disease Morbidity by Period of Overseas Employment
The durations of employment abroad identify the length of exposure to unfavorable
circumstances and, therefore, could be very good predictors of prevalence rates even
though the results obtained cannot be relied upon, completely, as the confounding effects
of age would, definitely, magnify them. The prevalence rate was lowest (230/1000) for the
return emigrants who had up to five years of overseas employment (see table 7.9)
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Table 7.9: Prevalence Rate of CDM among Return Emigrants byPeriod of Overseas Employment
Period of OverseasStay (Years)
ReturnEmigrants
Return Emigrantswith Chronic
Disease
PrevalenceRate
(per 1000)
Up to 5 222 51 230
06 – 10 62 22 355
11 – 15 34 21 618
Above 15 42 30 714
Overall 360 124 344Source: Sample Survey
As the span of overseas stay lengthened, the prevalence rate increased. Pearson’s
correlation between the number of years abroad and the corresponding chronic disease
prevalence rate, worked out for the entire data, showed the existence of a moderately high
degree positive correlation (0.682; sig<0.01) between the two.
7.11. Chronic Disease Morbidity by Satisfaction on Overseas Working Environment
The deteriorating working environment and the resulting decline in job satisfaction
can influence workers’ health in any setting. The return emigrants were asked to make
their statement on the level satisfaction they had on the nature of job and working
conditions in the Gulf. The different levels of satisfaction were put under ‘satisfied’ and
the various level of dissatisfaction under ‘dissatisfied’. Prevalence rates estimated against
the backdrop of return emigrants’ statements exemplify that those who were ‘dissatisfied’
with the overall working environment there had the highest prevalence rate (see figure
7.4). The relationships found suggest that job satisfaction abroad was an important factor
that influenced the health of return emigrants. However, the present health state of return
emigrants might have influenced, at least partially, in evoking the level of satisfaction of a
past experience.
161
Figure 7.4:Prevalence Rate of CDM among Return Emigrants by Reported Satisfaction on
Overseas Working Environment (Per 1000)
Source: Sample Survey
7.12. Problems with Fellow Workers and Harassment by Superiors
The return emigrants who were ‘always’ and ‘occasionally’ having problems with the
fellow workers in the Gulf and ‘always’ and ‘occasionally’ subjected to harassment by
superiors had high prevalence rate (see figure 7.5) relative to their counterparts who
‘never’ confronted such troubles.
Figure 7.5:Prevalence Rate of CDM by Problems with Fellow Workers and Harassment from
Superiors (Per 1000)
Source: Sample Survey
262
593
NATURE OF JOB
SATISFIED
476 453
PROBLEMS WITH FELLOW WORKERS
ALWAYS
161
Figure 7.4:Prevalence Rate of CDM among Return Emigrants by Reported Satisfaction on
Overseas Working Environment (Per 1000)
Source: Sample Survey
7.12. Problems with Fellow Workers and Harassment by Superiors
The return emigrants who were ‘always’ and ‘occasionally’ having problems with the
fellow workers in the Gulf and ‘always’ and ‘occasionally’ subjected to harassment by
superiors had high prevalence rate (see figure 7.5) relative to their counterparts who
‘never’ confronted such troubles.
Figure 7.5:Prevalence Rate of CDM by Problems with Fellow Workers and Harassment from
Superiors (Per 1000)
Source: Sample Survey
254
588
167
286
NATURE OF JOB WORKING CONDITIONS
SATISFIED DISSATISFIED INDIFFERENT
462
356315 330
PROBLEMS WITH FELLOW WORKERS HARASSMENT BY SUPERIORS
ALWAYS OCCASIONALLY NO NEVER
161
Figure 7.4:Prevalence Rate of CDM among Return Emigrants by Reported Satisfaction on
Overseas Working Environment (Per 1000)
Source: Sample Survey
7.12. Problems with Fellow Workers and Harassment by Superiors
The return emigrants who were ‘always’ and ‘occasionally’ having problems with the
fellow workers in the Gulf and ‘always’ and ‘occasionally’ subjected to harassment by
superiors had high prevalence rate (see figure 7.5) relative to their counterparts who
‘never’ confronted such troubles.
Figure 7.5:Prevalence Rate of CDM by Problems with Fellow Workers and Harassment from
Superiors (Per 1000)
Source: Sample Survey
HARASSMENT BY SUPERIORS
162
7.13. Thought about Relatives at Home
It is quite natural that separation from family, especially when compelled to stay in a
far away country, could cause deep sense of loneliness. The return emigrants while in the
Gulf not only suffered from severance, they also had the restiveness as the thoughts about
their inability to look after relatives at home haunted most of them.
Prevalence rate of chronic morbidity was much higher (see figure 7.6) among the
return emigrants who ‘always’ or ‘occasionally’ had such anxiety about their spouses,
children, Parents or other immediate relatives at home.
Figure 7.6:Prevalence Rate of CDM among Return Emigrants by Frequency of Thought about
Inability to Look after Relatives at Home (Per 1000)
Source: Sample Survey
7.14. Personal Satisfaction on the Management of Household Affairs by Relatives
A small number of return emigrants, during their overseas stay, did have a little bit of
concern over the management of household affairs by relatives. The extravagant lifestyle
pursued by some households might have contributed towards this. Based on their different
levels of satisfaction on the management of household affairs by relatives, the respondents
were grouped into three categories – satisfied, dissatisfied and indifferent. Estimation of
chronic disease morbidity prevalence rate among the three groups showed that there was
no glaring disparity between the ‘satisfied’ (345/1000) and ‘dissatisfied’ (367/1000)
groups.
280
290
300
310
320
330
340
350
360
CDM BY FREQUENCY OF THOUGHT ABOUT INABILITY TO LOOKAFTER RALATIVES AT HOME
ALWAYS
OCCASIONALLY
NO, NEVER
163
Figure 7.7:Prevalence Rate of CDM among Return Emigrants by Personal Satisfaction on the
Management of Household Affairs by Relatives (Per 1000)
Source: Sample Survey
7.15. Nature of Contact with the Host Population
As much as seventy five per cent of the return emigrants had ‘close contact’ with the
host population during their overseas stay. Six per cent of the respondents reported ‘no
contact’. Fifty per cent of the return emigrants who had ‘no contact’ or ‘distant contact’
with the host population was ‘affected’ by chronic diseases while only twenty nine per
cent of the return emigrants who maintained ‘close contact’ was ‘affected’ by chronic
disease.
Figure 7.8:Proportion of Chronic Disease Affected Return Emigrants by their
Nature of Contact with the Host Population during Overseas Employment
Source: Sample Survey
345
PERSONAL SATISFACTION ON THE MANAGEMENT OF HOUSEHOLD AFFAIRS BY RELATIVES
SATISFIED
050
100150200250300
NOCONTACT
NU
MBE
R O
F RE
TURN
EMIG
RAN
TS
163
Figure 7.7:Prevalence Rate of CDM among Return Emigrants by Personal Satisfaction on the
Management of Household Affairs by Relatives (Per 1000)
Source: Sample Survey
7.15. Nature of Contact with the Host Population
As much as seventy five per cent of the return emigrants had ‘close contact’ with the
host population during their overseas stay. Six per cent of the respondents reported ‘no
contact’. Fifty per cent of the return emigrants who had ‘no contact’ or ‘distant contact’
with the host population was ‘affected’ by chronic diseases while only twenty nine per
cent of the return emigrants who maintained ‘close contact’ was ‘affected’ by chronic
disease.
Figure 7.8:Proportion of Chronic Disease Affected Return Emigrants by their
Nature of Contact with the Host Population during Overseas Employment
Source: Sample Survey
367
214
PERSONAL SATISFACTION ON THE MANAGEMENT OF HOUSEHOLD AFFAIRS BY RELATIVES
SATISFIED DISSATISFIED INDIFFERENT
NOCONTACT
DISTANTCONTACT
CLOSECONTACT
AFFECTED
NOT AFFECTED
163
Figure 7.7:Prevalence Rate of CDM among Return Emigrants by Personal Satisfaction on the
Management of Household Affairs by Relatives (Per 1000)
Source: Sample Survey
7.15. Nature of Contact with the Host Population
As much as seventy five per cent of the return emigrants had ‘close contact’ with the
host population during their overseas stay. Six per cent of the respondents reported ‘no
contact’. Fifty per cent of the return emigrants who had ‘no contact’ or ‘distant contact’
with the host population was ‘affected’ by chronic diseases while only twenty nine per
cent of the return emigrants who maintained ‘close contact’ was ‘affected’ by chronic
disease.
Figure 7.8:Proportion of Chronic Disease Affected Return Emigrants by their
Nature of Contact with the Host Population during Overseas Employment
Source: Sample Survey
PERSONAL SATISFACTION ON THE MANAGEMENT OF HOUSEHOLD AFFAIRS BY RELATIVES
NOT AFFECTED
164
7.16. Unhealthy Diet, Soft Drinks and Smoking
Unhealthy diet and smoking, like alcohol consumption and sedentary lifestyle, are the
most decisive behavioural risk factors. As much as sixty three per cent of the return
emigrants were fond of unhealthy food and about seventy two per cent consumed soft
drinks (see table 7.10). The results indicated that around fifty five per cent of the return
emigrants were habitual smokers during overseas stay. Though many of them discontinued
the habit on return, around thirty per cent of the return emigrants were smokers at the time
of the survey.
The country specific disaggregated results pointed toward the pervasiveness of risky
behaviours across the entire GCC region. But these descriptive statistics are not sufficient
enough to establish a finite link between the behavioural risk factors and prevalence rate
of chronic disease morbidity among the return emigrants.
Table 7.10: Distribution of Return Emigrants according to Consumption ofUnhealthy Food, Soft Drinks, and Smoking Habit by Country of Employment
Country ofEmployment
Number ofReturnEmigrants
Number and Per cent ofReturn Emigrants Consumed Number and
Per cent ofSmokersUnhealthy Food Soft Drinks
UAE 106 64 (60.4) 73 (68.9) 58 (54.7)
Saudi Arabia 139 93 (66.9) 109 (78.4) 80 (57.6)
Oman 44 26 (59.1) 32 (72.7) 24 (54.5)
Kuwait 20 11 (55.0) 12 (60.0) 8 (40.0)
Bahrain 16 10 (62.5) 10 (62.5) 5 (31.3)
Qatar 35 23 (65.7) 23 (65.7) 22 (62.9)
Overall 360 227 (63.1) 259 (71.9) 197 (54.7)
Source: Sample Survey
7.17. Place of Medical Treatment in the Gulf
There was pervasive inequality in the accessibility of health care in the Gulf. Only
thirty four per cent of the respondents were provided with company/government hospital
facilities (see figure 7.9). Thirty per cent had taken recourse to various private hospitals
and clinics while thirty six per cent of them had to be content with self treatment
165
Figure 7.9:Return Emigrants by Place of Treatment in the Gulf
(Per cent)
Source: Sample Survey
The prevalence rate of chronic disease morbidity was the highest (383/1000) among
those who sought treatment in clinics and private hospitals in the Gulf (see table 7.11).
This indicates the urgency of the situation they had to face albeit the expenses involved.
The prevalence rate (302/1000) among the ‘self’ treated return emigrants reveals, at least
in part, the inaccessibility, non affordability and discrimination in general of the health
care in the GCC countries.
Table 7.11: Prevalence Rate of CDM by Place of Treatment in the Gulf
Place of TreatmentReturn
EmigrantsReturn
Emigrantswith Chronic
Disease
PrevalenceRate
(per 1000)
Self 129 39 302Company/Govt. Hospital 124 44 305Private Hospital/Clinic 107 41 383
Overall 360 124 344Source: Sample Survey
7.18. Delay in Seeking Medical Treatment in the Gulf
As much as twenty three per cent of the return emigrants across the GCC region,
irrespective of the place of treatment, had to delay their seeking prompt treatment (see
table 7.12). Saudi Arabia had the largest proportion (25.9 percent) followed by Bahrain
(25 per cent) and United Arab Emirates (23.6 per cent) and, Qatar had the least proportion
(14.3 per cent). Delay in seeking medical treatment is partially a problem of accessibility
25
30
35
40
SELF
36
165
Figure 7.9:Return Emigrants by Place of Treatment in the Gulf
(Per cent)
Source: Sample Survey
The prevalence rate of chronic disease morbidity was the highest (383/1000) among
those who sought treatment in clinics and private hospitals in the Gulf (see table 7.11).
This indicates the urgency of the situation they had to face albeit the expenses involved.
The prevalence rate (302/1000) among the ‘self’ treated return emigrants reveals, at least
in part, the inaccessibility, non affordability and discrimination in general of the health
care in the GCC countries.
Table 7.11: Prevalence Rate of CDM by Place of Treatment in the Gulf
Place of TreatmentReturn
EmigrantsReturn
Emigrantswith Chronic
Disease
PrevalenceRate
(per 1000)
Self 129 39 302Company/Govt. Hospital 124 44 305Private Hospital/Clinic 107 41 383
Overall 360 124 344Source: Sample Survey
7.18. Delay in Seeking Medical Treatment in the Gulf
As much as twenty three per cent of the return emigrants across the GCC region,
irrespective of the place of treatment, had to delay their seeking prompt treatment (see
table 7.12). Saudi Arabia had the largest proportion (25.9 percent) followed by Bahrain
(25 per cent) and United Arab Emirates (23.6 per cent) and, Qatar had the least proportion
(14.3 per cent). Delay in seeking medical treatment is partially a problem of accessibility
COMPANY/GOVT.HOSPITAL PRIVATE
HOSPITAL/CLINIC
3634
30
165
Figure 7.9:Return Emigrants by Place of Treatment in the Gulf
(Per cent)
Source: Sample Survey
The prevalence rate of chronic disease morbidity was the highest (383/1000) among
those who sought treatment in clinics and private hospitals in the Gulf (see table 7.11).
This indicates the urgency of the situation they had to face albeit the expenses involved.
The prevalence rate (302/1000) among the ‘self’ treated return emigrants reveals, at least
in part, the inaccessibility, non affordability and discrimination in general of the health
care in the GCC countries.
Table 7.11: Prevalence Rate of CDM by Place of Treatment in the Gulf
Place of TreatmentReturn
EmigrantsReturn
Emigrantswith Chronic
Disease
PrevalenceRate
(per 1000)
Self 129 39 302Company/Govt. Hospital 124 44 305Private Hospital/Clinic 107 41 383
Overall 360 124 344Source: Sample Survey
7.18. Delay in Seeking Medical Treatment in the Gulf
As much as twenty three per cent of the return emigrants across the GCC region,
irrespective of the place of treatment, had to delay their seeking prompt treatment (see
table 7.12). Saudi Arabia had the largest proportion (25.9 percent) followed by Bahrain
(25 per cent) and United Arab Emirates (23.6 per cent) and, Qatar had the least proportion
(14.3 per cent). Delay in seeking medical treatment is partially a problem of accessibility
166
and availability. Also, there can be the situations that some individuals do not seek
medical treatment unless they are injured or seriously ill.
Table 7.12: Distribution of Return Emigrants according to Delay in Seeking MedicalTreatment by Overseas Destination
Country ofEmployment Return
Emigrants
Return Emigrantswith Delay in seeking
TreatmentPer cent
UAE 106 25 23.6
Saudi Arabia 139 36 25.9
Oman 44 8 18.2
Kuwait 20 3 15.0
Bahrain 16 4 25.0
Qatar 35 5 14.3
Overall 360 81 22.5
Source: Sample Survey
The reasons for delay, according to the survey information, were complex and varied.
For instance, fifty six per cent of the respondents did not seek timely treatment in the Gulf
(see figure 7.10) because of their own negligence. But there could be a number of other
composite factors leading to a situation of ‘own negligence’. The other key reasons for
delay were ‘time constraint’ (20 per cent), ‘long distance’ (16 per cent) and ‘non
affordable’ (8 per cent). There was a major shortcoming in this compartmentalization of
reasons as it could not catch the simultaneous occurrence of two or more reasons that
delayed prompt treatment.
Figure 7.10:Return Emigrants by Reasons for Delay in Seeking Medical Treatment in the Gulf
(Per cent)
Source: Sample Survey
8
NONAFFORDABLE
TIMECONSTRAINT
166
and availability. Also, there can be the situations that some individuals do not seek
medical treatment unless they are injured or seriously ill.
Table 7.12: Distribution of Return Emigrants according to Delay in Seeking MedicalTreatment by Overseas Destination
Country ofEmployment Return
Emigrants
Return Emigrantswith Delay in seeking
TreatmentPer cent
UAE 106 25 23.6
Saudi Arabia 139 36 25.9
Oman 44 8 18.2
Kuwait 20 3 15.0
Bahrain 16 4 25.0
Qatar 35 5 14.3
Overall 360 81 22.5
Source: Sample Survey
The reasons for delay, according to the survey information, were complex and varied.
For instance, fifty six per cent of the respondents did not seek timely treatment in the Gulf
(see figure 7.10) because of their own negligence. But there could be a number of other
composite factors leading to a situation of ‘own negligence’. The other key reasons for
delay were ‘time constraint’ (20 per cent), ‘long distance’ (16 per cent) and ‘non
affordable’ (8 per cent). There was a major shortcoming in this compartmentalization of
reasons as it could not catch the simultaneous occurrence of two or more reasons that
delayed prompt treatment.
Figure 7.10:Return Emigrants by Reasons for Delay in Seeking Medical Treatment in the Gulf
(Per cent)
Source: Sample Survey
20 16
56
TIMECONSTRAINT
LONG DISTANCE OWNNEGLIGENCE
166
and availability. Also, there can be the situations that some individuals do not seek
medical treatment unless they are injured or seriously ill.
Table 7.12: Distribution of Return Emigrants according to Delay in Seeking MedicalTreatment by Overseas Destination
Country ofEmployment Return
Emigrants
Return Emigrantswith Delay in seeking
TreatmentPer cent
UAE 106 25 23.6
Saudi Arabia 139 36 25.9
Oman 44 8 18.2
Kuwait 20 3 15.0
Bahrain 16 4 25.0
Qatar 35 5 14.3
Overall 360 81 22.5
Source: Sample Survey
The reasons for delay, according to the survey information, were complex and varied.
For instance, fifty six per cent of the respondents did not seek timely treatment in the Gulf
(see figure 7.10) because of their own negligence. But there could be a number of other
composite factors leading to a situation of ‘own negligence’. The other key reasons for
delay were ‘time constraint’ (20 per cent), ‘long distance’ (16 per cent) and ‘non
affordable’ (8 per cent). There was a major shortcoming in this compartmentalization of
reasons as it could not catch the simultaneous occurrence of two or more reasons that
delayed prompt treatment.
Figure 7.10:Return Emigrants by Reasons for Delay in Seeking Medical Treatment in the Gulf
(Per cent)
Source: Sample Survey
167
7.19. Visit at Private Doctors in the Gulf
Visiting a private doctor for medical care reflect three important points – urgency of
the problem, absence of substitute on time and, of course, affordability. One out of every
two respondents had visited private doctors, at least once, during their entire stay in the
Gulf. The ‘no visit’ group (see table 7.13) represented fifty per cent of the return
emigrants. They include all those who had ‘self’ treatment plus a few from the group that
enjoyed company or public medical care facility.
Table 7.13: Distribution of Return Emigrants according to the Number of Times theyVisited Private Doctors in the Gulf
Number of Visits Return Emigrants Per cent
No Visit 182 50.5
01 – 05 107 29.7
06 – 10 37 10.3
11 – 15 20 5.6
16 – 20 09 2.5
Above 20 05 1.4
Total 360 100
Source: Sample Survey
7.20. Fee Paid for Consulting Private Doctors in the Gulf
Consultation with private doctors in the Gulf, as in any other place, involved out of
pocket expenditure that many return emigrants found unaffordable. The fee charged by
doctors for a single consultation varied from place to place and even from doctors to
doctors in the same locality. As much as fifty eight per cent of the return emigrants had to
make payment between Rs 500 and Rs 1000 for a single appointment (see table 7.14).
There were instances of doctors stipulating exorbitant fees for consultation depending
upon their area of specialization.
168
Table 7.14: Distribution of Return Emigrants by Fee Paid for a Single Consultation
Fee Paid for SingleConsultation (Rs)
ReturnEmigrants
Return EmigrantsPer cent
CumulativePer cent
Below 500 20 11.2 11.2
500 – 1000 103 57.8 69.0
1000 – 1500 20 11.2 80.2
1500 – 2000 17 9.6 89.8
2000 – 2500 06 3.4 93.2
2500 – 3000 06 3.4 96.6
Above 3000 06 3.4 100
Overall 178 100 100
Source: Sample Survey
7.21. Satisfaction on Consultation with Private Doctors in the Gulf
The return emigrants were asked to recollect their personal experience of consultation
with private doctors in the Gulf. A greater proportion of them (86.5 per cent) testified that
they were satisfied with every single consultation there. This implied that the remaining
persons (13.5 per cent) were dissatisfied in the matter of consultation. They had their own
reasons for dissatisfaction. As much as forty two per cent of the ‘dissatisfied’ admitted
‘too much cost’ as the prime reason behind their dissatisfaction while about twenty nine
per cent disclosed ‘communication problems’ as the underlying factor (see figure 7.11).
Unfriendly attitudes of the doctors and wrong diagnosis were also cited as causal factors
for dissatisfaction with doctors.
Figure 7.11:Return Emigrants by Reasons for Dissatisfaction with Private Doctors in the Gulf
Source: Sample Survey
0
10
20
30
40
50
168
Table 7.14: Distribution of Return Emigrants by Fee Paid for a Single Consultation
Fee Paid for SingleConsultation (Rs)
ReturnEmigrants
Return EmigrantsPer cent
CumulativePer cent
Below 500 20 11.2 11.2
500 – 1000 103 57.8 69.0
1000 – 1500 20 11.2 80.2
1500 – 2000 17 9.6 89.8
2000 – 2500 06 3.4 93.2
2500 – 3000 06 3.4 96.6
Above 3000 06 3.4 100
Overall 178 100 100
Source: Sample Survey
7.21. Satisfaction on Consultation with Private Doctors in the Gulf
The return emigrants were asked to recollect their personal experience of consultation
with private doctors in the Gulf. A greater proportion of them (86.5 per cent) testified that
they were satisfied with every single consultation there. This implied that the remaining
persons (13.5 per cent) were dissatisfied in the matter of consultation. They had their own
reasons for dissatisfaction. As much as forty two per cent of the ‘dissatisfied’ admitted
‘too much cost’ as the prime reason behind their dissatisfaction while about twenty nine
per cent disclosed ‘communication problems’ as the underlying factor (see figure 7.11).
Unfriendly attitudes of the doctors and wrong diagnosis were also cited as causal factors
for dissatisfaction with doctors.
Figure 7.11:Return Emigrants by Reasons for Dissatisfaction with Private Doctors in the Gulf
Source: Sample Survey
COST TOO MUCH
UNFRIENDLY DOCTOR
COMMUNICATION PROBLEMS
WRONG DIAGNOSIS
168
Table 7.14: Distribution of Return Emigrants by Fee Paid for a Single Consultation
Fee Paid for SingleConsultation (Rs)
ReturnEmigrants
Return EmigrantsPer cent
CumulativePer cent
Below 500 20 11.2 11.2
500 – 1000 103 57.8 69.0
1000 – 1500 20 11.2 80.2
1500 – 2000 17 9.6 89.8
2000 – 2500 06 3.4 93.2
2500 – 3000 06 3.4 96.6
Above 3000 06 3.4 100
Overall 178 100 100
Source: Sample Survey
7.21. Satisfaction on Consultation with Private Doctors in the Gulf
The return emigrants were asked to recollect their personal experience of consultation
with private doctors in the Gulf. A greater proportion of them (86.5 per cent) testified that
they were satisfied with every single consultation there. This implied that the remaining
persons (13.5 per cent) were dissatisfied in the matter of consultation. They had their own
reasons for dissatisfaction. As much as forty two per cent of the ‘dissatisfied’ admitted
‘too much cost’ as the prime reason behind their dissatisfaction while about twenty nine
per cent disclosed ‘communication problems’ as the underlying factor (see figure 7.11).
Unfriendly attitudes of the doctors and wrong diagnosis were also cited as causal factors
for dissatisfaction with doctors.
Figure 7.11:Return Emigrants by Reasons for Dissatisfaction with Private Doctors in the Gulf
Source: Sample Survey
COMMUNICATION PROBLEMS
169
7.22. Medical Insurance Coverage in the Gulf
Contract workers in the Gulf were usually excluded from all government supported
welfare schemes including medical insurance coverage for workers. On the whole, about
twenty eight per cent of the respondents had medical insurance coverage in the Gulf (see
table 7.15). The proportion of insured varied from country to country in the GCC region.
Since all the medical insurance coverage, other than ‘self’, in the gulf, were linked to the
period of employment there, all of them ceased to exist with the employment contract.
Table 7.15: Distribution of Return Emigrants according to Medical InsuranceCoverage during Overseas Stay by Country of Employment
Country ofEmployment
ReturnEmigrants
Number and Per cent ofReturn Emigrants
CoveredUAE 106 28 (26.4)
Saudi Arabia 139 40 (28.8)
Oman 44 17 (38.6)
Kuwait 20 02 (10.0)
Bahrain 16 04 (25.0)
Qatar 35 10 (28.6)
Overall 360 101(28.1)
Source: Sample Survey
The medical insurance premiums for 86 persons of the 101 insured were paid by their
employers in the Gulf while 11 persons had to make fully ‘self’ payment and another 4
had to make partial payment (see figure 7.12).
Figure 7.12:
Return Emigrants by their Medical Insurance Premium Paying Agencies in the Gulf
Source: Sample Survey
4
11
SELF
169
7.22. Medical Insurance Coverage in the Gulf
Contract workers in the Gulf were usually excluded from all government supported
welfare schemes including medical insurance coverage for workers. On the whole, about
twenty eight per cent of the respondents had medical insurance coverage in the Gulf (see
table 7.15). The proportion of insured varied from country to country in the GCC region.
Since all the medical insurance coverage, other than ‘self’, in the gulf, were linked to the
period of employment there, all of them ceased to exist with the employment contract.
Table 7.15: Distribution of Return Emigrants according to Medical InsuranceCoverage during Overseas Stay by Country of Employment
Country ofEmployment
ReturnEmigrants
Number and Per cent ofReturn Emigrants
CoveredUAE 106 28 (26.4)
Saudi Arabia 139 40 (28.8)
Oman 44 17 (38.6)
Kuwait 20 02 (10.0)
Bahrain 16 04 (25.0)
Qatar 35 10 (28.6)
Overall 360 101(28.1)
Source: Sample Survey
The medical insurance premiums for 86 persons of the 101 insured were paid by their
employers in the Gulf while 11 persons had to make fully ‘self’ payment and another 4
had to make partial payment (see figure 7.12).
Figure 7.12:
Return Emigrants by their Medical Insurance Premium Paying Agencies in the Gulf
Source: Sample Survey
86
SELF EMPLOYER PARTLY SELF
169
7.22. Medical Insurance Coverage in the Gulf
Contract workers in the Gulf were usually excluded from all government supported
welfare schemes including medical insurance coverage for workers. On the whole, about
twenty eight per cent of the respondents had medical insurance coverage in the Gulf (see
table 7.15). The proportion of insured varied from country to country in the GCC region.
Since all the medical insurance coverage, other than ‘self’, in the gulf, were linked to the
period of employment there, all of them ceased to exist with the employment contract.
Table 7.15: Distribution of Return Emigrants according to Medical InsuranceCoverage during Overseas Stay by Country of Employment
Country ofEmployment
ReturnEmigrants
Number and Per cent ofReturn Emigrants
CoveredUAE 106 28 (26.4)
Saudi Arabia 139 40 (28.8)
Oman 44 17 (38.6)
Kuwait 20 02 (10.0)
Bahrain 16 04 (25.0)
Qatar 35 10 (28.6)
Overall 360 101(28.1)
Source: Sample Survey
The medical insurance premiums for 86 persons of the 101 insured were paid by their
employers in the Gulf while 11 persons had to make fully ‘self’ payment and another 4
had to make partial payment (see figure 7.12).
Figure 7.12:
Return Emigrants by their Medical Insurance Premium Paying Agencies in the Gulf
Source: Sample Survey
170
Many other return emigrants were insured for accidents at the work place and they
had to access care for any other health problems by spending their hard earned money.
Since prompt medical care in the Gulf was primarily linked to ability to pay, a look at the
prevalence rate of chronic disease morbidity in comparison with the return emigrants’
overseas income level is essential.
7.23. Chronic Disease Morbidity by Income from Employment Abroad
The overall mean income from employment abroad was worked out to be Rs 16,379
per month. Based on this estimation, Rs 20,000 was fixed, logically, as the benchmark to
distinguish between two groups of income recipients – below Rs 20, 000 income group
and, Rs 20, 000 and above income group. Chronic disease prevalence rate arrived at on
this basis revealed that the group with an average income of less than Rs 20, 000 per
month had a higher prevalence rate (356/1000) compared to the prevalence rate
(318/1000) of the other group with a monthly mean income of Rs 20, 000 and above (see
figure 7.13)
Figure 7.13:Prevalence Rate of CDM by Monthly Income from Employment Abroad
(Per 1000 Return Emigrants)
Source: Sample Survey
7.24. Chronic Disease Morbidity by duration of Post Return Phase
Subsequent to the eventual return from the Gulf, all the respondents were staying with
their relatives at home. As each individual had returned at different points in time, the span
of their post return stay varied from person to person. In spite of the fact that this study
could not ascertain the exact time of the disease occurrence (relied up on the time of
diagnosis) for each respondent, the reflection on the prevalence rate of chronic disease
morbidity in conjunction with the information on economic circumstances and the length
of post return phase would, definitely, complement the study.
BELOW Rs 20000
Rs 20000 AND ABOVE
170
Many other return emigrants were insured for accidents at the work place and they
had to access care for any other health problems by spending their hard earned money.
Since prompt medical care in the Gulf was primarily linked to ability to pay, a look at the
prevalence rate of chronic disease morbidity in comparison with the return emigrants’
overseas income level is essential.
7.23. Chronic Disease Morbidity by Income from Employment Abroad
The overall mean income from employment abroad was worked out to be Rs 16,379
per month. Based on this estimation, Rs 20,000 was fixed, logically, as the benchmark to
distinguish between two groups of income recipients – below Rs 20, 000 income group
and, Rs 20, 000 and above income group. Chronic disease prevalence rate arrived at on
this basis revealed that the group with an average income of less than Rs 20, 000 per
month had a higher prevalence rate (356/1000) compared to the prevalence rate
(318/1000) of the other group with a monthly mean income of Rs 20, 000 and above (see
figure 7.13)
Figure 7.13:Prevalence Rate of CDM by Monthly Income from Employment Abroad
(Per 1000 Return Emigrants)
Source: Sample Survey
7.24. Chronic Disease Morbidity by duration of Post Return Phase
Subsequent to the eventual return from the Gulf, all the respondents were staying with
their relatives at home. As each individual had returned at different points in time, the span
of their post return stay varied from person to person. In spite of the fact that this study
could not ascertain the exact time of the disease occurrence (relied up on the time of
diagnosis) for each respondent, the reflection on the prevalence rate of chronic disease
morbidity in conjunction with the information on economic circumstances and the length
of post return phase would, definitely, complement the study.
318
170
Many other return emigrants were insured for accidents at the work place and they
had to access care for any other health problems by spending their hard earned money.
Since prompt medical care in the Gulf was primarily linked to ability to pay, a look at the
prevalence rate of chronic disease morbidity in comparison with the return emigrants’
overseas income level is essential.
7.23. Chronic Disease Morbidity by Income from Employment Abroad
The overall mean income from employment abroad was worked out to be Rs 16,379
per month. Based on this estimation, Rs 20,000 was fixed, logically, as the benchmark to
distinguish between two groups of income recipients – below Rs 20, 000 income group
and, Rs 20, 000 and above income group. Chronic disease prevalence rate arrived at on
this basis revealed that the group with an average income of less than Rs 20, 000 per
month had a higher prevalence rate (356/1000) compared to the prevalence rate
(318/1000) of the other group with a monthly mean income of Rs 20, 000 and above (see
figure 7.13)
Figure 7.13:Prevalence Rate of CDM by Monthly Income from Employment Abroad
(Per 1000 Return Emigrants)
Source: Sample Survey
7.24. Chronic Disease Morbidity by duration of Post Return Phase
Subsequent to the eventual return from the Gulf, all the respondents were staying with
their relatives at home. As each individual had returned at different points in time, the span
of their post return stay varied from person to person. In spite of the fact that this study
could not ascertain the exact time of the disease occurrence (relied up on the time of
diagnosis) for each respondent, the reflection on the prevalence rate of chronic disease
morbidity in conjunction with the information on economic circumstances and the length
of post return phase would, definitely, complement the study.
356
171
Table 7.16: Prevalence Rate of CDM by duration of Post Return Phase
Period of PostReturn Phase(Years)
ReturnEmigrants
Return Emigrantswith Chronic Disease
PrevalenceRate
(per 1000)Below 10 312 95 304
10 - 20 34 20 588
20 and Above 14 09 642
Overall 360 124 344Source: Sample Survey
The prevalence rate increased, obviously, with the extent of post return phase (see
table 7.16). This observed association might, in part, be due to the effect of ageing but, the
activity that every return emigrant had to pursue during the post return phase, and of
course its length, also could have influenced the current state of their health.
7.25. Chronic Disease Morbidity by Post Return Employment Status
On the basis of the current employment status, the return emigrants were classified
into ‘employed’ and ‘unemployed’. The ‘employed’ group consists of both wage/salary
employed and the self employed. The prevalence rate was slightly higher among the
‘unemployed’ (348/1000) relative to the rate (343/1000) among ‘employed’ (see table
7.17).
Table 7.17: Prevalence Rate of CDM by Post Return Employment Status
Post Return ActivityStatus
ReturnEmigrants
Return Emigrantswith Chronic
Disease
PrevalenceRate
(per 1000)
Unemployed 115 40 348
Employed 245 84 343
Overall 360 124 344
Source: Sample Survey
An unemployed person would, categorically, be a person with no stable income and
would, therefore, be more constrained in meeting health expenditure. The purchasing
power, from the current income, of the ‘unemployed’ would be zero, unless they are
endowed with other sources of income. This, unequivocally, imply that their recurring
health expenditure would definitely lead to a further deterioration in the already fallen
172
standard of living. The association shown in the above table did not offer any vital
information, other than the scale of morbidity prevalence, to arrive at a valid inference on
the ability of the ‘employed’ in meeting health care costs.
A closer look at the table (table 7.17) reveals another crucial, at the same time
deceptive, information regarding the employment status of the return emigrants with
chronic disease morbidity. It could be observed that only thirty two per cent (40/124) of
the respondents with morbidity remained unemployed and this proportion was somewhat
equal to the overall unemployment rate (31.94 per cent or (115/360) among the
respondents in the sample. This would lead to a false interpretation of the association
between chronic disease morbidity and employment status, without telling us anything
about the purchasing power of the ‘employed’ respondents with morbidity in the health
service market. The current income background of the chronically ill respondents would,
therefore, be a more fundamental aspect for evaluating their ability to sustain the standard
of living in the long run.
7.26. Current Income from Employment of the Return Emigrants with ChronicDiseases
The current income from employment, in the absence of regular income from any
other sources including accumulated financial assets, would be the sole source of
financing the recurring or intermittent health expenditure of individuals.
Figure 7.14:
Distribution of Return Emigrants with CDM by Current Monthly Income fromEmployment
Source: Sample Survey
0
10
20
30
40
50
60
BELOW 5000 5000 - 10000
NU
MBE
R O
F RE
TURN
EMIG
RAN
TS W
ITH
CH
RON
ICD
ISEA
SE M
ORB
IDIT
Y
172
standard of living. The association shown in the above table did not offer any vital
information, other than the scale of morbidity prevalence, to arrive at a valid inference on
the ability of the ‘employed’ in meeting health care costs.
A closer look at the table (table 7.17) reveals another crucial, at the same time
deceptive, information regarding the employment status of the return emigrants with
chronic disease morbidity. It could be observed that only thirty two per cent (40/124) of
the respondents with morbidity remained unemployed and this proportion was somewhat
equal to the overall unemployment rate (31.94 per cent or (115/360) among the
respondents in the sample. This would lead to a false interpretation of the association
between chronic disease morbidity and employment status, without telling us anything
about the purchasing power of the ‘employed’ respondents with morbidity in the health
service market. The current income background of the chronically ill respondents would,
therefore, be a more fundamental aspect for evaluating their ability to sustain the standard
of living in the long run.
7.26. Current Income from Employment of the Return Emigrants with ChronicDiseases
The current income from employment, in the absence of regular income from any
other sources including accumulated financial assets, would be the sole source of
financing the recurring or intermittent health expenditure of individuals.
Figure 7.14:
Distribution of Return Emigrants with CDM by Current Monthly Income fromEmployment
Source: Sample Survey
5000 - 10000 10000 - 15000 15000 - 20000 20000 ANDABOVE
CURRENT INCOME FROM EMPLOYMENT
172
standard of living. The association shown in the above table did not offer any vital
information, other than the scale of morbidity prevalence, to arrive at a valid inference on
the ability of the ‘employed’ in meeting health care costs.
A closer look at the table (table 7.17) reveals another crucial, at the same time
deceptive, information regarding the employment status of the return emigrants with
chronic disease morbidity. It could be observed that only thirty two per cent (40/124) of
the respondents with morbidity remained unemployed and this proportion was somewhat
equal to the overall unemployment rate (31.94 per cent or (115/360) among the
respondents in the sample. This would lead to a false interpretation of the association
between chronic disease morbidity and employment status, without telling us anything
about the purchasing power of the ‘employed’ respondents with morbidity in the health
service market. The current income background of the chronically ill respondents would,
therefore, be a more fundamental aspect for evaluating their ability to sustain the standard
of living in the long run.
7.26. Current Income from Employment of the Return Emigrants with ChronicDiseases
The current income from employment, in the absence of regular income from any
other sources including accumulated financial assets, would be the sole source of
financing the recurring or intermittent health expenditure of individuals.
Figure 7.14:
Distribution of Return Emigrants with CDM by Current Monthly Income fromEmployment
Source: Sample Survey
20000 ANDABOVE
173
The survey data showed that a greater majority of the return emigrants with
chronic diseases belonged to the low income background (see figure 7.14). This did not
imply that the chronic disease morbidity prevalence rates were higher for lower income
groups. It, basically, demonstrated the weak purchasing power, in terms of current income
from employment, of the respondents with chronic diseases.
7.27. Household Assets of the Return Emigrants with Chronic Diseases
An evaluation of the total value of the assets owned by the return emigrants, afflicted
with chronic diseases, was made to ascertain their overall economic background. The
assets included land, residential and other buildings, gold, diamond and other ornaments,
vehicles, fixed deposits, other investments and savings, home appliances and other assets.
Based on the assessment, four asset classes were formed.
Figure 7.15:Return Emigrants with CDM by the Total Value of Household Assets
(Value of Assets in Rupees Lakhs)
Source: Sample Survey
As shown in the figure (see figure 7.15), majority of the CDM inflicted return
emigrants belonged to the lower asset groups. It might lead to a wrong connotation that the
morbidity prevalence rates were higher in the least wealthy groups. In fact, this was not so;
the figure did not represent any association but rather reflect the economic background of
respondents suffering from chronic diseases. The fundamental issue that emerged from the
evaluation of the current income and overall economic background of the disease affected
return emigrants was related to their capability in maintaining, at least, the present
standard of living in the long run, given the recurring and intermittent expenditures on
health care.
0
20
40
60
80
BELOW 25 25 - 50 50 - 75 75 AND ABOVENU
MBE
R O
F RE
TURN
EMIG
RAN
TS W
ITH
CD
M
ASSET GROUP
174
7.28. Recurring Health Expenditure per Month
The return emigrants with chronic diseases continued to spend, regularly, on health
care. As much as thirty six per cent of them spent between Rs 500 and Rs 1000 per month
(see table 7.18). Another twenty one per cent spent between Rs 1000 and Rs 1500 while
more than a quarter of them spent less than Rs 500 per month. Merely nine per cent
incurred expenditure amounting to more than Rs 2000 per month. The recurring health
expenditure included cost of drugs, doctor fees, charges on pathological and other tests
and travel expenses.
Table 7.18: Distribution of Return Emigrants with CMD by Monthly HealthExpenditure
HealthExpenditure/Month
(Rs)
ReturnEmigrants
Return EmigrantsPer cent
CumulativePer cent
Below 500 33 26.6 26.6
500 – 1000 44 35.5 62.1
1000 – 1500 26 21.0 83.1
1500 – 2000 10 08.0 91.1
2000 – 2500 09 07.3 98.4
2500 and Above 02 01.6 100
Total 124 100 100
Source: Sample Survey
7.29. Expenditure on Admitted Medical Treatment
Besides the recurring expenditures, thirty two per cent of the disease affected return
emigrants spent Rs 64208, on average, for admitted medical treatment, during the one year
period prior to the survey. The expenses included cost of admission ticket, room rent/bed
rent, cost of medicine/materials, laboratory charges, charges of special examination like
scanning, fee for surgery, cost of food, bystander’s/helper’s expenses and miscellaneous
expenses.
Many of the disease inflicted respondents, who underwent admitted treatment, did not
have regular monthly income as they were unemployed (see table 7.19). Only fifty nine
per cent of them were employed either in wage/salary employment or self employment.
175
The cost of admitted treatment along with recurring expenses made many return emigrants
to take recourse to some other sources of finance. In fact, even without admitted treatment,
some of them found it very hard to meet health expenditure from regular income.
Table 7.19: Distribution of Return Emigrants with CMD who Underwent AdmittedTreatment during the Last Year by Monthly Income from Employment
Monthly Income fromEmployment (Rs)
ReturnEmigrants
Return EmigrantsPer cent
CumulativePer cent
Unemployed 16 41.0 41.0
Below 5000 02 05.1 46.2
5000 – 10000 12 30.8 77.0
10000 – 15000 06 15.4 92.4
15000 – 20000 02 05.1 97.5
20000 and Above 01 02.5 100
Total 39 100 100Source: Sample Survey
7.30. Sources of Financing Health Expenditure
Insufficiency of current income, to meet health expenditure, compelled thirty eight
per cent of the return emigrants with diseases to look for alternative sources (see table
7.20). More than twenty three per cent of them were drawing from their past accumulated
savings. Eight percent pledged their gold ornaments while another four per cent had their
land either sold or mortgaged.
Table 7.20: Distribution of Return Emigrants with CMD by the Sources ofFinancing Health Expenditure
Sources of Financing ReturnEmigrants
Return EmigrantsPer cent
Current Income 77 62.1Savings 29 23.4
Mortgage of Gold 10 08.1Mortgage of Land 3 02.4
Sale of Land 2 01.6Other Borrowings 3 02.4
Total 124 100Source: Sample Survey
176
The financial burden that the return emigrants endured on account of recurring and
intermittent health expenditures was, in fact, the direct cost of ill health. The indirect costs
of debilitating health usually take many forms. It can be in the form of preventing a person
from pursuing productive employment or if employed, not allowing him to reap the full
benefits from it. Also, the household members might face the inconvenience owing to the
ill health of a dear one.
An examination of some of these issues rendered startling results that showed wide
disparity, in many fronts, between the return emigrants with chronic diseases and those
without diseases.
7.31. Return Emigrants with Chronic Diseases against Return Emigrants
without DiseasesThe return emigrants with chronic diseases (the first group) had an average duration
of 10.44 years in the Gulf while those without diseases (the second group) had spent only
5.28 years on average. This implied that the ‘first group’ had got, relatively, more time in
the Gulf to achieve their target (see table 7.21) and this is noticeably reflected in the higher
mean value of their household assets (Rs 2,529,161), relative to that of the ‘second group’
(Rs 1,730,767). At the time of the survey, 65.32 per cent of the ‘first group’ was
‘employed’ either in wage/salary employment or in self employment against 64.4 per cent
employment of the ‘second group’. The average monthly income from employment of the
‘first group’ was also, moderately, higher (Rs 9304/month).
There were three plausible factors that could have contributed towards this. (i) More
than twenty eight per cent of the ‘first group’ had acquired technical skills/training abroad
while only 15.3 per cent of the ‘second group’ had this. The new skills/training acquired
abroad coupled with more years of experience might have contributed very much in
getting employment and relatively higher reward from employment. (ii) The duration of
post return period was relatively longer (6.53 years) for the ‘first group’ so that they got
enough time to search and find remunerative employment. (iii) The continual diminution
of wealth brought about by soaring health expenditure might have compelled them to seek
suitable employment. But there was no guarantee on the permanence of such employment
given their state of health.
177
Table 7.21: Current Economic Positions ofReturn Emigrants with and without Chronic Disease Morbidity
Source: Sample Survey
A striking paradox was noticed in the relation between total household income and
expenditures of the two groups. The ‘first group’ households earned a higher mean income
(Rs 15540/month) compared to the ‘second group’ households’ income (Rs 14267/month).
Again, the ‘first group’ households spent a relatively lower proportion (68.1 per cent) of
their income while the ‘second group’ used up 75.3 per cent of their income. It was,
Variable
First Group Second GroupOverall
Return Emigrantswith
Chronic Diseases
Return Emigrantswithout
Chronic Diseases
Num
ber
Mean value
Num
ber
Mean value
Num
ber
Mean value
Household Assets 124 2529161 236 1730767 360 2005769
Monthly HouseholdIncome 124 15540 236 14267 360 14705
Monthly Incomefrom Employment 81 9304 152 9086 233 9161
Total MonthlyHouseholdExpenditure
124 10583 236 10746 360 10690
MonthlyHousehold HealthExpenditure
124 1257 236 778 360 943
Return Emigrants’Monthly HealthExpenditure
124 912 - - 124 912
Cost of AdmittedTreatment (OneYear)
39 64208 09 27389 48 57304
Duration ofOverseasEmployment(Years)
124 10.44 236 5.28 360 7.05
Duration PostReturn Period(Years)
124 6.53 236 3.22 360 4.43
178
apparently, quite commensurate with the fundamental law of consumption function – ‘’the
fundamental psychological law upon which we are entitled to depend with great
confidence, both a priori from our knowledge of human nature and from the detailed facts
of experience, that men are disposed as a rule, and on average, to increase their
consumption as their income increases, but not by as much as the increase in their income”
(Keynes, 1936). But the inconsistency was detected in the drop in expenditure, in absolute
terms, of the ‘first group’ (Rs 10583/month) as against the expenditure of the ‘second
group’ (Rs 10746/month). This paradoxical situation did break the very foundation of the
fundamental law of consumption function.
An evaluation of the household health expenditures of the two groups clearly
indicated that the ‘first group’ spent more on health care (Rs 1257/month) than the second
group (Rs 778/month). This implied that the non-health expenditure of the ‘first group’
was much lower than that of the ‘second group’. A probable rationale for this curtailment
in non health expenditure could be their safeguard for future given the present state of
health and recurring health expenses (Rs 912/month) of the return emigrants in the
households. Also, an overt difference was observed, in the proportions of admissions and
costs of admitted medical treatment, between the two groups. As noted, already, thirty two
per cent of the disease affected return emigrants spent Rs 64208, on average, for admitted
medical treatment, during the one year period prior to the survey. Only less than four
percent of the return emigrants without chronic disease morbidity underwent admitted
treatment and incurred, fairly, smaller expenditure (Rs 27389) for it during the same
period.
7.32. Return Emigrants’ Response to Few Related Questions
The return emigrants were asked to make their affirmative statements on some allied
but pertinent aspects. Responses to some questions were based, purely, on the return
emigrants’ perceptions and feelings at the time of the survey and, therefore, could not be
considered, completely, flawless.
Only forty one per cent could find free time for recreation and enjoyment in the Gulf
(see table 7.22). As much as thirty two per cent of the return emigrants thought they had
unhealthy lifestyle in the Gulf while thirty one per cent believed that they had risk
exposure. Twenty seven per cent of the return emigrants had their father, seventeen
179
percent had their mother and nine per cent had their sibling(s) died up till the time of the
survey. Only an insignificantly small proportion (0.8 per cent) of them was suffering from
chronic illness on the eve of their first emigration.
Table 7.22: Distribution of Return Emigrants according to theirResponse ‘Yes’ to Certain Questions
Question Related toNumber of
ReturnEmigrants
Number ofReturn
EmigrantsResponded ‘Yes’
Per cent
Had free time for Recreation and
Enjoyment in the Gulf
360 147 40.8
Unhealthy Lifestyle in the Gulf 360 114 31.7
Exposure to Risk in the Gulf 360 112 31.1
Father Died 360 98 27.2
Mother Died 360 61 16.94
Sibling(s) Died 360 33 09.2
Pre emigration ailment 360 03 0.80
Work difficulty during the Last
Month
360 113 31.4
Activities affected during the
Last Month
360 115 32.0
Work Restricted during the Last
Month
360 23 06.4
Income Lost due to ill health 360 13 3.61
Financial situation affected 360 46 12.8
Family member(s) had to skip
work
360 09 02.5
Fair/Poor Health 360 40 11.1
Satisfied with Life in General 360 341 94.7
Source: Sample Survey
During the thirty days prior to the survey, thirty one per cent had confronted difficulty
in work, thirty two per cent had their normal activities affected, more than six per cent had
180
their work restricted and a small proportion (3.6 per cent) lost their income due to ill
health. Debilitating health conditions affected the financial situations of about thirteen per
cent of the return emigrants and a very small proportion (2.5 per cent) of the return
emigrants had their family members compelled to skip work. On a question about health
status, eleven per cent of the respondents disclosed that their state of health was either fair
or poor. In spite of all such adverse situations and bitter experiences a remarkable ninety
five per cent of the return emigrants were satisfied with their life in general.
7.33. Conclusion
The analysis of the survey data pertaining to the return emigrants’ current state of
health and the appraisal of its implications have revealed the extent and complexity of the
problem investigated. The early onset of diseases among return emigrant population
explains the predominance of factors other than age in contributing towards ill health.
These factors include education; destination and span of overseas employment;
occupation; the living and working conditions abroad; experience with the host
population, superiors and co-workers; thoughts about family at home; accessibility and
affordability of medical care in the Gulf; delay in seeking medical treatment. The
relatively high prevalence rate of chronic disease morbidity; its observed association with
factors peculiar to contract employment in the Gulf; and an array of effects related to
morbidity on the return emigrants’ current socioeconomic status did validate the
propositions suggested at the beginning of this study.
181
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