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If Flight Has To Med Devert, Will Trip Ins Cover?  
User currently offline747hogg From , joined Dec 1969, posts, RR:
Posted (8 years ago) and read 2553 times:

I understand it could cost as much as $100.000 in some cases if a heavy has to dump fuel and nose down to some sub standard airport that has no service facilities for a jumbo, in the event a real medical crisis comes up. Can a pax buy a policy that will defray the tremendous burden the airline will suffer just to try to save a life?

10 replies: All unread, jump to last
 
User currently offlineOPNLguy From , joined Dec 1969, posts, RR:
Reply 1, posted (8 years ago) and read 2536 times:

If you're asking if you, the individual passenger, can buy a policy that will pay -you- the $100,000, I say no.

If you're asking whether you, the individual passnger, can buy a trip interruption policy, the answer is yes, but you'd need to check the fine print of whatever policy you might buy to see if delays from passenger medical diversions were covered and what they'd pay for, or not covered. Heck, they might consider them "Acts of God" and not cover them...


User currently offlineBond007 From United States of America, joined Mar 2005, 5428 posts, RR: 8
Reply 2, posted (8 years ago) and read 2518 times:

Quoting 747hogg (Thread starter):
that will defray the tremendous burden the airline will suffer just to try to save a life?

...just to try and save a life .....how inconsiderate. Let's hope it's not your life...they might not bother and try and save some money!


Jimbo



I'd rather be on the ground wishing I was in the air, than in the air wishing I was on the ground!
User currently offline747hogg From , joined Dec 1969, posts, RR:
Reply 3, posted (7 years 12 months 4 days 19 hours ago) and read 2428 times:

Don't be an ass bond, if by a pax being considerate enough to shell out a few bucks to complement the airline for sacrificing money they don't have, in the way of a policy that would help cover this cost, everyone would benefit! I think it's a hell of a good idea, and the odds of someone ever have the insurance co. pay a claim like this are mighty slim. Insurance companys love this kind of risk ratio and I'm really surprised they are'nt pushing it. If American only made a rotten $200 on the cross country trip as seen on tv recently, one heart attack over El Paso would have set them back tens of thousands.

User currently offlinePER744 From Australia, joined Mar 2003, 405 posts, RR: 2
Reply 4, posted (7 years 12 months 4 days 19 hours ago) and read 2420 times:

Er...wouldn't this be something the airline insures against, rather than the passenger?

User currently offlineN1120A From United States of America, joined Dec 2003, 26595 posts, RR: 75
Reply 5, posted (7 years 12 months 4 days 19 hours ago) and read 2420 times:

Quoting 747hogg (Reply 3):
If American only made a rotten $200 on the cross country trip as seen on tv recently, one heart attack over El Paso would have set them back tens of thousands.

That rotten $200 is after AA includes all their other expenses, including the costs of their various diversions over the course of a year.

Quoting 747hogg (Reply 3):
Don't be an ass bond, if by a pax being considerate enough to shell out a few bucks to complement the airline for sacrificing money they don't have, in the way of a policy that would help cover this cost, everyone would benefit

He's not the one being foolish, you are. It is the airline's duty to get all the passengers to their destination safely, securely and ontime. If a passenger has a heart attack, they need to make sure that their health is not compromised by some idiotic wish to make money. Further, airlines are required to carry their own insurance policies, for the benefit of passengers, not the other way around for passengers who have already paid their part of the contract by buying a ticket.



Mangeons les French fries, mais surtout pratiquons avec fierte le French kiss
User currently offlineBond007 From United States of America, joined Mar 2005, 5428 posts, RR: 8
Reply 6, posted (7 years 12 months 4 days 19 hours ago) and read 2394 times:

Quoting 747hogg (Reply 3):
Don't be an ass bond,

 Yeah sure



I'd rather be on the ground wishing I was in the air, than in the air wishing I was on the ground!
User currently offlineBigOrange From United States of America, joined Apr 2004, 2371 posts, RR: 3
Reply 7, posted (7 years 12 months 4 days ago) and read 2232 times:

Quoting Bond007 (Reply 2):
just to try and save a life .....how inconsiderate. Let's hope it's not your life...they might not bother and try and save some money!

I don't understand how he is being inconsiderate  confused 

To answer your original question 747Hogg, so that I do not get a message deleted for being off-topic, I am not aware of any policy that you can buy to cover such an event, but I'm sure airlines will start passing the cost on to the sick passenger very soon as another way to make money, in which case then the insurers will include it in trip insurance policies.

As for the airlines having such coverage, I don't know, but if it's essential for your health to know  Wink then I can try to find out from one of our aviation underwriters.


User currently offlineOznznut From United States of America, joined Dec 2003, 153 posts, RR: 0
Reply 8, posted (7 years 12 months 3 days 17 hours ago) and read 2130 times:

I think that maybe the thread-starter was asking if there was an insurance policy that an individual could buy to cover the costs IF the airline tried to recover the cost of the diversion from the pax that got sick. Example--pax A got Sick. Airline diverted to XYZ Airport. Airline sue pax A for cost of diversion. Insurance that pax A bought before flight paid airline. Anyway, thats what I think we are talking about.

User currently offlineBoston92 From United States of America, joined Aug 2006, 3390 posts, RR: 7
Reply 9, posted (7 years 12 months 3 days 17 hours ago) and read 2111 times:

100,000 dollars is basically a 20 dollar bill for the airlines. Airlines pay hundreds of millions of dollars just for a RIGHT to a certain route.


"Why does a slight tax increase cost you $200 and a substantial tax cut save you 30 cents?"
User currently offlineCtbarnes From United States of America, joined Mar 2000, 3491 posts, RR: 50
Reply 10, posted (7 years 12 months 3 days 13 hours ago) and read 2027 times:

Quoting Boston92 (Reply 9):
100,000 dollars is basically a 20 dollar bill for the airlines. Airlines pay hundreds of millions of dollars just for a RIGHT to a certain route.

This is true. Airlines generally eat the cost of diverting in the case of a legitimate medical emergency. It would be very difficult, if not impossible to try and get the customers to pay, insurance would refuse to remburse, and from a PR standpoint this could backfire very badly as we see news reports of United or American sending a $100,000 bill to a widow whose husband died of a heart attack that occured on board.

Charles, SJ



The customer isn't a moron, she is your wife -David Ogilvy
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