What travel insurance really means
I'm somewhat sympathetic to the insurance company here. Travel insurance is there to take care of emergency medical care.  It's not for long term care.  The guy clearly didn't want to travel because he preferred to be cared in Singapore.  From his e-mail:>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'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.So he'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:>The patient Badger Ryan Sean was admitted from 11/6 to 12/6 for an operation for a right index finger proximal phalanx avulsion fracture on 31/5 and was not fit for flying before his operation for his fracture.It's reasonable for the insurance company to ask for more details and a specific reason why he wasn't fit to fly.