3 hours ago, Inuendo said:

The doctors at the hospital can get in touch with the insurance company of this lady. Send copies of x-rays and needed documents. That should do the trick

The insurer will contact the hospital - obviously + but the doctor doesn't dictate how the insurer operates. It won't "do the trick" if policy conditions were violated.

3 hours ago, scubascuba3 said:

Also if a suicide attempt insurance usually void

To all intents and purposes, always void.

2 hours ago, cynic1 said:

As we all know the Insurance companies could not give a sh.t about her physical issue

"As we all know" (a daft claim, of course) similarly policy holders don't give a sh.t about their policy conditions that they have to adhere to in order to benefit from the protection.

2 hours ago, cynic1 said:

In fact they hope she dies so that there is no long term recovery in case the company must pay

Boll0cks. It's no skin off there noises to pay claims - as 95% of all claims are.

2 hours ago, cynic1 said:

Good idea but I'm hoping this young woman was not drunk. As we all know the Insurance companies could not give a sh.t about her physical issue. In fact they hope she dies so that there is no long term recovery in case the company must pay. They just want evidence that allows them to make NO medical payments and that evidence is basically, "was she sober or intoxicated"?

So much cobblers in one post.

1 hour ago, Liverpool Lou said:

Not if she consumed only a reasonable amount, normal alcohol use doesn't automatically invalidate policies.

Yes…The amount of alcohol allowed for an insurance company to cover a claim is generally zero (0.0 g/l) or the legal limit established by local authorities (usually 0.5 g/L in blood or 0.25 mg/L in air). Exceeding this limit or giving positive is usually considered an exclusion of coverage, where the insurer can refuse to pay damages.

4 hours ago, Liverpool Lou said:

... only if the alcohol intoxication is over a certain level. What insurers consider normal or reasonable consumption does not void policies.

Nicely vague - just like their 'dangerous activities' clauses.

What exactly is reasonable consumption ?

2 hours ago, Tarteso said:

Yes…The amount of alcohol allowed for an insurance company to cover a claim is generally zero (0.0 g/l) or the legal limit established by local authorities (usually 0.5 g/L in blood or 0.25 mg/L in air). Exceeding this limit or giving positive is usually considered an exclusion of coverage, where the insurer can refuse to pay damages.

Which is less than two points - hardly 'reasonable' consumption then.

9 hours ago, damo1967 said:

If her insurance company looks at blood test results.. and alcohol/drugs are detected they will null and void any 'claim' as they are rightly entitled to do... knocking back a claim for being pissed/drugged up would not be leaving her out to hang and dry. FAFO!

That depends on the amount of alcohol consumed - given the above comments (posts above this) - the 'reasonable' limits seem rather low.

Have two points, trip over, smack your head or break and ankle and the insurance pulls the booze clause if they can get away with it (according Tarteso's comments) - though I find it hard to believe travel insurance companies could get away with not paying out for such a low cut off.

It still begs the question - what is a reasonable amount - most tourists will get happily sloshed - does that void the travel insurance if they trip over ??

If you believe LL - it would be your own fault for not adhering to the terms and conditions of the insurance companies - though he has mentioned they pay out 95% of the time.

11 hours ago, Tarteso said:

The insurance company will wash its hands of the matter if she consumed alcohol..

Surely insurance should payout based upon the final outcome not what caused it!!

So if the insurance cover has a clause that they won't payout if you have an accident whilst on holiday under the influence then that's BS IMO.

PS. It's a shame that the airbags didn't break her fall

From the photos I am gonna be extremely judgmental and say she is a party girl.

Often that life style involves heavy use of drugs and alcohol.

Again, the possibility that some sort of impairment was involved seems likely.

Even still, sad.

13 hours ago, Tyke said:

Its what happens if you lean over a balcony whilst being top heavy.

Prolly saved her life. 🤣

Damn, must've hurt... I hope she recovers well...
This is one of the first balcony fallers I've heard of that actually survived.