When Gavin Broad, a British expatriate living and working in Thailand, took his wife to the hospital to give birth, he did not expect to be hospitalized in the bed next to her. Nor did he ever ask if his international private health insurance would cover him for injuries sustained in a terrorist bombing.
To celebrate the arrival of their newborn whilst his wife and son were still in hospital, Gavin went out for a meal at a local restaurant with a friend. They heard what sounded like two bomb blasts in the vicinity of the restaurant. When the two men rushed outside to see what was happening, another bomb exploded and the hurtling shrapnel caught them. Gavin sustained a nasty injury to his face.
Gavin Broad was just in the wrong place at the wrong time, but luckily he was insured by a William Russell Global Health plan that enabled him to receive the care he needed straight away without having to foot the $2000 bill for medical treatment.
Many insurance providers limit the amount of private medical benefit they will provide their policyholders with if they are innocently caught up in a terrorist attack. Some provide no protection at all.
William Russell’s Global Health plans provides protection, unless you are in a war zone listed on the Foreign Office website.
International health insurance: News update: 29 November 2009