It would have been if they said "we will fly you home, as per your cover" but they didn't, the flight home was a goodwill gesture. If they weren't going to pay

It would have been if they said "we will fly you home, as per your cover" but they didn't, the flight home was a goodwill gesture. If they weren't going to pay for my 2nd operation, I would have ditched the "reasonable attitude" and claimed for the 1st operation. They knew that, so by offering me the goodwill flight home they were literally trying to make me void my own cover. Furthermore, the policy says clearly, until I CAN fly home. My DR had explicitly told me I could not. I wasn't going to risk my health for the sake of my arsehole insurance company and their bullshit attempts to wriggle out of paying. Ask yourself, would YOU have ignored the advice of your DR, who knew your case personally, in favour of the "opinion" of a private company whose sole motivation is financial?