Источник The Sydney Morning Herald.au, Australia
Заголовок When Brett scalped himself on a remote island, a Learjet flew him to hospital
Дата 20240704

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When Brett scalped himself on a remote island, a Learjet flew him to hospital

When Brett scalped himself on a remote island, a Learjet flew him to hospital

By Julie Power

July 4, 2024 — 5.00am

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It was the last ride of a two-week surfing camp on a remote island in
Indonesia when Australian surfer Brett Ryan caught a wave that smashed him
head-first into a coral reef.

“I almost scalped myself,” said Ryan of Waverley in Sydney’s eastern suburbs.
The coral sliced off a piece of his scalp about the size of a bread and butter
plate, leaving him with a scar on the back of his head shaped like a question
mark
.

Surfer Brett Ryan rides a wave.

Bleeding profusely and at serious risk• Страхование » Риск of infection on remote Telo island in
western Indonesia, two plane flights and a boat ride away from a doctor or a
hospital, his travel insurance’s medical team saved his life. It also covered
more than $100,000 in costs, including a medical evacuation on a Learjet.

Yet 93 per cent of travellers with travel insurance are unsure about what
exclusions will void a policy or leave them underinsured or without coverage,
finds a new survey of 1007 Australians commissioned by the Insurance• Страхование Council
of Australia with the Department of Foreign Affairs and Trade• Объект организация » Организации по алфавиту » Организации на Ми » Министерство иностранных дел и торговли Австралии

• Австралия » Государственное устройство Австралии » Министерство иностранных дел и торговли Австралии

• Государство » Государственное устройство Австралии » Министерство иностранных дел и торговли Австралии
’s Smart
Traveller.

Insurance• Страхование Council chief executive Andrew Hall said the research was
commissioned after disputes over coverage increased when travel resumed after
COVID.

The survey found many travellers ignored the exclusions on drinking alcohol,
with nearly one in five drinking more than the amount that could void their
coverage.

Brett Ryan’s injuries left him at serious risk• Страхование » Риск of infection.

Policies vary, as do exclusions across insurance• Страхование providers. Some will cover
accidents or losses that happen when the policyholder has a blood alcohol
content
up to 0.19 per cent, which is about four times the legal limit of 0.05
per cent to drive in Australia.

Hall said there had been cases where people had been badly injured while under
the influence
and could not get access to coverage, including for a medical
evacuation
to a hospital.

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“They’re unaware that in their policy, medical treatment, for example, becomes
an exclusion when you go over a certain limit with your blood alcohol,” he
said.

Though the blood alcohol limits could be high, some people may drink more than
they realised in countries like the United States• Соединённые Штаты Америки (США), where bartenders “free
pour” and don’t use standard measures.

Common reasons why your travel insurance won’t pay

Many of these disputes centred on:

Alcohol consumption, which can exclude medical treatment for an accident.

Unattended luggage; it has to be kept in the line of sight and can’t be left
unattended in a vehicle overnight. The survey found 84 per cent of respondents
were unaware that if their bags were lost or stolen because of “inattention”
they wouldn’t be covered.

Luggage lost by airlines, which is covered by the airline and not the
insurance policy.

Activities such as surfing, adventure sports or travelling by motorbike. Hall
discovered his credit card’s travel insurance didn’t include a cruise so he
bought additional coverage.

Travel insurance was as necessary as carrying a passport overseas, said Hall.
Without it, many Australians find themselves stuck with big bills or poor
health care.

Ryanwho likes to travel and try new things – had checked that the policy
attached to his credit card had covered medical evacuation, which was required
by the surf camp operator.

He has a “reputation as last ride Ryan”. He has broken bones on the last
snowboard ride of a trip, and on the last ride on a mountain biking adventure.

“I always check the fine print and I ring them each time. Always. We are going
to Sri Lanka in August and I have already rang Amex [which provides free
travel insurance to some cardholders].

“And with my mates, I always drum into them that travel insurance is an
absolute essential.”

Brett Ryan has a broken sternum from a mountain biking accident on the last
day of his Tasmania trip. Credit: Janie Barrett

After he was transported from the beach on the back of a bike to see a nurse
who gave him 25 stitches with no painkiller, he returned to the surf camp. The
next morning a plane with two doctors had landed on the small airstrip. It
transported him to Medang’s larger airport, where a Learjet was waiting to
take him to hospital in Jakarta, where he spent a week. His insurers organised
a flight home.

The survey by Quantum Market Research found one in eight people were uninsured
on their last trip. Many were young, under 30, or from low-income households,
or had a culturally diverse background.

Many young people who travelled assumed that Australia’s Medicare system
worked elsewhere, and that other countries had free health care, Hall said.

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It’s probably that Australians have been spoiled in many regards with
healthcare. They don’t realise that in other similar economies, like the
United States• Соединённые Штаты Америки (США), Japan, etc, it isn’t free. You can pay a lot for it, and
healthcare facilities can be pretty basic.”

Hall said it was best to tell the insurer what you planned to do, and consider
transport options. For example, many young people didn’t think they would hire
a motorbike or scooter in Bali, yet it was a popular way to get around on the
equivalent of Uber• Объект бренды » Бренды на u » Uber.

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============= Итог: 2,8250 ; Государство#Государственное устройство Австралии #Министерство иностранных дел и торговли Австралии 1,7500 ; Страхование#Риск 2,8250 ; Австралия#Государственное устройство Австралии #Министерство иностранных дел и торговли Австралии 2,0000 ; Соединённые Штаты Америки (США)

============= Объекты: организации Министерство иностранных дел и торговли Австралии Государственное устройство Австралии

============= Географические объекты: 1 40.000000000,-100.000000000 Соединённые Штаты Америки (США)

============= Связи: Соединённые Штаты Америки (США) # объект-география # Uber


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