No, I have used the Ombudsman, many years ago, around 1998, for a claim I made on my travel insurance. My wife had money stolen, around 1000USD, the insurance company refused to pay, because she was 'careless'. Ombudsmen came down in our favor, insurance had no choice to pay out, but it took several weeks. I don't think this guy can hang around in hospital, while the bills pile up?