The father of an Australian man who is involved in a scooter accident in Bali has given tourists a warning after his son was hit with a $ 35,000 hospital bill despite his insurance.
Cameron Johnson, 25, from Bathurst, NSW, suffered serious facial injuries after crashing his scooter during a vacation in Kuta on February 20.
He was rushed to the hospital where he underwent emergency surgery to stab three titanium plates in his face after breaking his eye socket in various places.
His father, Andrew Johnson, immediately contacted the Foreign Ministry when he heard about his son’s accident and was at his side within 24 hours.
But when he arrived, he heard that during the Cameron stay, the hospital had charged $ 3,000 a day in addition to the operating costs.
Cameron Johnson, 25, was involved in a scooter accident when he was on vacation in Kuta, Bali last month
The Bathurst, NSW, suffered serious injuries to his face, including fractures around his eye socket
“It’s really a parent’s worst nightmare,” Johnson told Daily Mail Australia.
‘The option to fly [him home] was completely excluded because of the air pockets in and around the eye socket. The surgeon said that if he put him on a plane he will die. “
Prior to his trip, Cameron had taken out travel insurance with Commonwealth Bank and expected to cover the hefty medical bill.
The operation itself was about $ 18,000 to $ 20,000, but the hospital charged another $ 3,000 for every day Cameron arrived after 10 p.m.
“As far as he was concerned, he had taken out the right insurance. He even went to the bank the day after and when the [day] As he approached, he confirmed with the person he had spoken to at the branch: “I want to know that I am 100% insured for anything and everything,” said Johnson.
“And the answer he received was yes.”
After the accident, Cameron contacted the insurance company in a stupor to file a claim, but was not immediately told whether it had been processed.
“It wasn’t until the following Wednesday that he was out of the hospital that I had him called and gave me the authority to speak on his behalf,” Johnson said.
“They still told me they hadn’t made their decision.
“I simply said,” What did my son have to do between Thursday and Wednesday? Was he supposed to be in a hospital and die in the current state? ”
Johnson said his son’s surgery was around $ 18,000 to $ 20,000, but the hospital charged another $ 3,000 for Cameron’s day after 10 a.m. Pictured on the right: an X-ray of Cameron’s injuries to his eye socket
Concerned about rising costs, Johnson checked his son out of the hospital on Sunday and rented a villa instead, where he took care of him.
It was there that the father and son were informed that their insurance had been refused and they had to pay the bill in full.
“The only reason they gave us was that everything above a 49CC motorcycle wasn’t covered by their policies,” Johnson said.
At the time of the accident, Cameron was riding a motorcycle with an engine capacity of 125CC.
The rejection also came as a shock, Johnson said, because Cameron had done his due diligence and confirmed with representatives that he would be covered for “everything.”
An insurance policy from Daily Mail Australia showed that there are exclusions for motocross, and you must have an eligible license and wear a helmet.
A Commonwealth Bank spokesperson told Daily Mail Australia that the company ensures that customers receive clear information about what is included in and excluded from each policy.
At the time of the accident, Cameron was driving a motorcycle with an engine power of 125CC, which apparently is not covered by the policy
“We do this both on our website, where we outline what is included and excluded, and what additional coverage can be purchased to cover activities such as motorcycle or moped driving,” the spokesman said.
“We also include clear information and instructions during the activation of the insurance, which explicitly asks whether additional coverage is required for motorcycle or moped rides.”
He said that when customers buy their insurance, they are given the option to choose additional coverage, including that of motorcycles.
“It is not possible to complete a travel insurance activation without confirming this step,” he said.
But Mr. Johnson claimed that he had previously taken out the same insurance policy as his son and only offered extra coverage for smartphones, not for motorcycles.
“The biggest thing that occurred to me was when I actually spoke to the insurance company representatives, it was impersonal, it was robotic, there was no humanity in any of the conversations,” he said.
‘There are hundreds of thousands of Australians who go to Bali, Indonesia and anywhere in the world.
“They may have fallen into the same trap because they think they are covered and the paper is really not worth printed on – so that would be my warning.
“Cameron did his due diligence and asked personally, that is clearly not enough.”