Hi All.
Always said never travel without insurance. If you cannot afford the insurance you cannot afford to travel. Been to Bali 30+ times with nothing more than Bali Belly and then only the first few times. Wow not this time! A sudden viral attack that put me in hospital (BIMC ) for a week. The staff and treatment fantastic. Unfortunately food brought in from a restaurant and always cold when it arrived, no matter I didn't feel like eating anyway. The insurance broker FANTASTIC as soon as they knew I was in hospital they contacted the hospital and guaranteed payment. A HUGE relief for me at something like US$30 an hour, and if I didn't improve a distinct possibility of an expensive evacuation back to Oz. The insurance company phoned EVERY day to check on progress. After I was releaseed they checked I didn't need any other assisitance, ie re rebooking flights, or missed tours etc.
The message is never leave home without insurance.