this 72-yr-old indonesian lady was on vacation when she tripped & fell, breaking her hip bone. surgery was carried out the same day she was admitted.
now, she needs to rest & rehabilitate. she can't bear weight on the affected leg for 6 weeks, which means she'll need either crutches or a wheel-chair. that probably means she can't fly home using low-cost terminals that don't utilise sky-bridges; getting into the plane on crutches or on a wheel-chair would not be possible.
and, before all that, there's still the hospital bill to contend with.
herein lies the problem. she doesn't have travel insurance. which means, she has to foot the hospital bill, buy a new (full fare) plane ticket & everything else in between, eg. hotel accomodation on discharge. as i explained the logistics of the transfer out of hospital after discharge, i could see the pained grimace on her face.
a lot of these hassles would have been taken care of had she bought travel insurance. for only a small fee (eg. rm50 for asia for up to 10 days coverage) the cost of any medical expenses, lost luggage, missed or cancelled flights would be compensated by the insurer. that's a small price to pay for peace of mind, considering if say, you've paid rm3k+ for a skiing vacation to korea.
this lady's additional expenses for the mishap would easily amount to rm10k.