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Maybe she didn't have any kind of health insurance in any country except the one she was traveling to. So when the doctors told her she could endure the rest of

by Maken 5y ago

Maybe she didn't have any kind of health insurance in any country except the one she was traveling to. So when the doctors told her she could endure the rest of the flight, she chose to do so instead of going bankrupt by the medical fees. It would be also insteresting to know if she hid her injuries before boarding for the same reason.

ada1981 5y ago
Doubtful. Do people go bankrupt by medical debt in other countries? Seems unlikely to get judgment and collect.
- kube-system 5y ago
  I think it’s simply unlikely because debt is always preferable to a life threatening emergency. That being said, from a global perspective, “bankruptcy” is not a good measure of economic burden. There are worse debt outcomes than bankruptcy.
  - sgjohnson 5y ago
    Bankruptcy is actually quite a piece of cake in several US states. In fact most of them even let you keep your home. Bankruptcy is not some sort of a financial death sentence. In fact you’ll even be able to get access to credit almost immediately, because the default risk just after bankruptcy is extremely low due to the fact that you can’t declare bankruptcy for another 2-3 years. Yes, your credit score is trashed for the next 6-7 years, but it’s also trashed with an insufferable amount of medical debt. I would be much more upset about a 6 figure medical bill if I had 6 figures in liquid assets than I would be if I owned nothing besides some home equity. If I have 6 figures of liquid assets, I’m wiped out, but if I own nothing, I declare bankruptcy and have a clean slate.
    - kube-system 5y ago
      That’s what I was alluding to. Part of the high bankruptcy rates in the US are because we have very liberal laws about bankruptcy. Not only do you get to keep your home, but the majority of people who file Chapter 7 keep everything. That’s not to say we don’t have issues with medical costs… I’m just speaking generally about using bankruptcy rates as an indicator.
      - ada1981 5y ago
        Can you share more about people keeping everything?
        kube-system 5y ago
        They’re called “no asset chapter 7” filings. The TL;DR is that the law allows you to “exempt” certain assets, mostly, basic necessities that people need to live a basic productive life. The point of bankruptcy is to make people pay what they can reasonably afford, not to make them pay every penny possible. The types of assets that chapter 7 does take away are things that poor people often don’t have anyway. https://www.nolo.com/legal-encyclopedia/what-is-chapter-7-no-asset-bankruptcy-case.html https://www.nolo.com/legal-encyclopedia/what-is-chapter-7-no... I think TV and movies have led people to believe that people “lose everything” when they file bankruptcy and end up on the streets. That’s just not reality, at least in the US.
refurb 5y ago
It’s not her decision, it’s the pilot’s decision to divert or not.
- kube-system 5y ago
  The pilot would make that decision based on a third party assessment of the situation relayed to them.
FabHK 5y ago
I wager to say that to most people in the developed world such thoughts would not occur, and almost certainly not to Brits (that are used to the NHS).
- sgjohnson 5y ago
  The NHS is garbage. After experiencing them once I took on a private health insurance that cost me £300ish per month. So now my taxes paid for the garbage public healthcare system that I didn’t want, and then I had to pay for the private insurance. Unfortunately most people aren’t that fortunate to be able to easily justify spending extra £300 a month on health insurance so they just cope with the NHS.
  - ViViDboarder 5y ago
    Wow, only £300? Private insurance in the US is so much more than that. When you get care, is a portion paid by NHS and the remainder from the private company? Or maybe the existence of NHS puts healthcare costs much less than that in the US.
    - sgjohnson 5y ago
      > When you get care, is a portion paid by NHS and the remainder from the private company? It’d be NHS if the non-urgent treatment would be immediately available from them (which is basically never), otherwise I’d be sent to a private hospital. > Or maybe the existence of NHS puts healthcare costs much less than that in the US. This probably helps, but the US healthcare costs are just fucked for no good reason. I like to look at South Korea as an example of reasonable costs in a healthcare system that’s 100% private (the government just picks up the tab afterwards).
      - CRConrad 5y ago
        > the US healthcare costs are just fucked for no good reason. Amen to that. > I like to look at South Korea as an example of reasonable costs in a healthcare system that’s 100% private (the government just picks up the tab afterwards). From Britain you don't have to look that far abroad for this: Germany would suffice, AIUI, or maybe even just across the Channel to France. (But, hey, congrats on leaving the club of civilised nations.)
manquer 5y ago
Delhi was the nearest airport , India has[1] one of the cheapest healthcare in the world which is considered acceptable. Tones of people fly to India to get major surgery done , medical tourism is a booming industry there. For a British resident it wouldn't be even a factor on the top of the mind as they would be used to NHS covering everything and most people would expect travel insurance to cover this - it probably would have [1] even in 1995

by Maken 5y ago

ada1981 5y ago

Doubtful. Do people go bankrupt by medical debt in other countries? Seems unlikely to get judgment and collect.

kube-system 5y ago
I think it’s simply unlikely because debt is always preferable to a life threatening emergency. That being said, from a global perspective, “bankruptcy” is not a good measure of economic burden. There are worse debt outcomes than bankruptcy.
- sgjohnson 5y ago
  Bankruptcy is actually quite a piece of cake in several US states. In fact most of them even let you keep your home. Bankruptcy is not some sort of a financial death sentence. In fact you’ll even be able to get access to credit almost immediately, because the default risk just after bankruptcy is extremely low due to the fact that you can’t declare bankruptcy for another 2-3 years. Yes, your credit score is trashed for the next 6-7 years, but it’s also trashed with an insufferable amount of medical debt. I would be much more upset about a 6 figure medical bill if I had 6 figures in liquid assets than I would be if I owned nothing besides some home equity. If I have 6 figures of liquid assets, I’m wiped out, but if I own nothing, I declare bankruptcy and have a clean slate.
  - kube-system 5y ago
    That’s what I was alluding to. Part of the high bankruptcy rates in the US are because we have very liberal laws about bankruptcy. Not only do you get to keep your home, but the majority of people who file Chapter 7 keep everything. That’s not to say we don’t have issues with medical costs… I’m just speaking generally about using bankruptcy rates as an indicator.
    - ada1981 5y ago
      Can you share more about people keeping everything?
      - kube-system 5y ago
        They’re called “no asset chapter 7” filings. The TL;DR is that the law allows you to “exempt” certain assets, mostly, basic necessities that people need to live a basic productive life. The point of bankruptcy is to make people pay what they can reasonably afford, not to make them pay every penny possible. The types of assets that chapter 7 does take away are things that poor people often don’t have anyway. https://www.nolo.com/legal-encyclopedia/what-is-chapter-7-no-asset-bankruptcy-case.html https://www.nolo.com/legal-encyclopedia/what-is-chapter-7-no... I think TV and movies have led people to believe that people “lose everything” when they file bankruptcy and end up on the streets. That’s just not reality, at least in the US.

refurb 5y ago

It’s not her decision, it’s the pilot’s decision to divert or not.

kube-system 5y ago
The pilot would make that decision based on a third party assessment of the situation relayed to them.

FabHK 5y ago

I wager to say that to most people in the developed world such thoughts would not occur, and almost certainly not to Brits (that are used to the NHS).

sgjohnson 5y ago
The NHS is garbage. After experiencing them once I took on a private health insurance that cost me £300ish per month. So now my taxes paid for the garbage public healthcare system that I didn’t want, and then I had to pay for the private insurance. Unfortunately most people aren’t that fortunate to be able to easily justify spending extra £300 a month on health insurance so they just cope with the NHS.
- ViViDboarder 5y ago
  Wow, only £300? Private insurance in the US is so much more than that. When you get care, is a portion paid by NHS and the remainder from the private company? Or maybe the existence of NHS puts healthcare costs much less than that in the US.
  - sgjohnson 5y ago
    > When you get care, is a portion paid by NHS and the remainder from the private company? It’d be NHS if the non-urgent treatment would be immediately available from them (which is basically never), otherwise I’d be sent to a private hospital. > Or maybe the existence of NHS puts healthcare costs much less than that in the US. This probably helps, but the US healthcare costs are just fucked for no good reason. I like to look at South Korea as an example of reasonable costs in a healthcare system that’s 100% private (the government just picks up the tab afterwards).
    - CRConrad 5y ago
      > the US healthcare costs are just fucked for no good reason. Amen to that. > I like to look at South Korea as an example of reasonable costs in a healthcare system that’s 100% private (the government just picks up the tab afterwards). From Britain you don't have to look that far abroad for this: Germany would suffice, AIUI, or maybe even just across the Channel to France. (But, hey, congrats on leaving the club of civilised nations.)

manquer 5y ago

Delhi was the nearest airport , India has[1] one of the cheapest healthcare in the world which is considered acceptable. Tones of people fly to India to get major surgery done , medical tourism is a booming industry there. For a British resident it wouldn't be even a factor on the top of the mind as they would be used to NHS covering everything and most people would expect travel insurance to cover this - it probably would have [1] even in 1995