What travel insurance really means
I&#x27;m somewhat sympathetic to the insurance company here. Travel insurance is there to take care of emergency medical care.  It&#x27;s not for long term care.  The guy clearly didn&#x27;t want to travel because he preferred to be cared in Singapore.  From his e-mail:<p>&gt;I intend to stay in Asia for some time yet.  I did consider travelling home to have surgery in the UK, but the medical Service here is excellent and I&#x27;m already scheduled in for the procedure on Monday.  I was concerned about the long haul flight and travel time with a broken hand and fractured rib, as well as potential waiting times on the NHS.<p>So he&#x27;s pretty clearly trying to game the situation.  He wanted to keep traveling and avoid the NHS.  The letter from the doctor saying he was not fit to fly simply states:<p>&gt;The patient Badger Ryan Sean was admitted from 11&#x2F;6 to 12&#x2F;6 for an operation for a right index finger proximal phalanx avulsion fracture on 31&#x2F;5 and was not fit for flying before his operation for his fracture.<p>It&#x27;s reasonable for the insurance company to ask for more details and a specific reason why he wasn&#x27;t fit to fly.