A ray of hope for Aussie mum in a coma after life-threatening tumble in Thailand (video)

[superal]

23 hours ago, bignok said:

https://www.insuremytrip.com/travel-insurance-plans-coverages/alcohol-exclusions-and-your-travel-insurance-plan/#:~:text=Does Travel Insurance Cover Alcohol,a part in the incident.

 

Be careful drinking

Thanks for the link which basically puts you at the mercy of the insurance company and their interpretation of whether alcohol played a part in the event of the claim . E.G. say if sat in a restaurant having a meal and wine , over the drink / drive limit , when say your chair breaks causing injuries / hospital treatment .Your intoxication delays medical treatment and bigger bills are the result . Will the insurance wriggle ?  

Having alcohol in your system does not void the policy but you are giving the edge to the insurance company . 

Some western ins; companies will use agents in Asia / Thailand . As happened to me , they wanted me to go to Bangkok in their private ambulance , 400 km , report to a top hospital and stay in a 5 star hotel whilst I was being checked over . I explained that my food poisoning symptoms had all but disappeared after my local gov; hospital care but they kept pushing for me to go . I spoke to the UK ins; who paid me out in full for my local treatment and thanked me for my honesty . So beware of dodgy agents who are in collusion with hospitals/ hotels etc 

[Ralf001]

4 hours ago, jacko45k said:

Should insurance companies be taking premiums and expecting people not to drink when on vacations? If sleeping it off and the hotel ceiling collapses on me, I would hope to be covered. 

Their Terms and condition say can drink with .19% being the cut off limit.... she was well pissed up for the insurance to deny based on being intoxicated.