Tourist hit with €88k bill as insurers won't cover Thailand horror fall claim

Irish Daily Mirror

18-06-2025

A British soldier has been hit with huge medical bills after battling for his life following a horrific fall on holiday in Thailand while taking a photo at a popular beauty spot.
Liam Gibson, 21, slipped while taking in the scenery at the Na Muang Waterfall 2 in the Ko Samui District area of Thailand on April 12.
Liam, from Hartlepool, was waiting an agonising two hours for a rescue operation after his fall, which left him fearing for his life after "bleeding out", reports The Mirror.
Five hours later, he was transferred to a local hospital for life-saving surgery, where his girlfriend Lucy was faced with medical staff presenting her with a card machine to cover the treatment.
Liam says the medical bills racked up to £75,000 (approximately €87,750), but then he suffered a further blow when his insurers rejected his claim on the grounds he'd put himself "in needless danger".
Following the near-fatal fall, Liam was left with a shattered femur in three places, a broken arm, a shattered left hand, a shattered eye socket, cheekbone, nose and skull. But now recovering in the UK after a repatriation flight, Liam says his insurance company have refused to pay out the maximum amount for his policy, meaning he has had to cough up an eyewatering amount.
"The day of the accident, we got to the hospital," the Royal Electrical and Mechanical Engineers (REME) serviceman told the Mirror.
Both Liam and Lucy stressed that they cannot fault the hospital, explaining that the treatment he received was phenomenal, but the trouble started when they sought to cover the medical costs through his travel insurance.
Liam said: "The next morning, my girlfriend spoke to the insurance company and said what had happened, she went through the emergency medical side of it. My mum flew out to help with that.
"We gave them all the information they needed on days one and two. It took three weeks for them to make a decision, I was stuck in the hospital for three weeks, running up the bills. Some days were up to £1,600 (approximately €1,875), the day of the surgery, one was £13,000 (€15,200), another was £22,000 (€25,750). In my eyes, it was a case of me getting fit to fly and coming home straight away.
"At the time, I thought the insurance was paying for it, obviously if I knew it was me paying for it, that's even more of a reason I couldn't afford to stay there."
"We'd done the repatriation," he said. Speaking from his home where he is recovering, he explained that the cost of the flight was supposed to be £35,000 (€40,950), but due to needing an extra medic onboard, the cost went up to £37,500 (€44,900). He added: "The insurance decided out of the kindness of their heart, they'd cover £50,000 (€58,000), so I've had to fork out £25,000 (€29,250), for the medical bills. That was totalling £75,000 (€87,750) when I left."
Liam says that at the time of being offered the payout, he instantly decided to accept as he had "no choice" due to not having £75,000 (€87,750) available.
Due to the mounting medical bills, Liam's girlfriend set up a GoFundMe page to help cover the costs, which he says was a last resort.
"I had to borrow money for the repatriation," he said, before explaining that his insurance firm had rejected his case, claiming he was engaging in deliberate or harmful acts. He branded it "ridiculous", before adding: "There's not one bit in the policy that states what's acceptable, safe or unsafe footwear."
In an email from his insurance firm, Admiral, which has been seen by the Mirror, the insurance group said they were unable to process Liam's claim, with them claiming he engaged in a "reckless act" which they class as "putting yourself in needless danger" or "failing to follow recommended safety precautions" on excursions.
Liam, like many tourists visiting the waterfall, was wearing sliders due to the intense heat and humidity in the popular resort. While in Thailand, Liam attempted to get in contact with the British Embassy and Consulate but struggled to speak to a human, rather than an electronic operator.
Reflecting on the GoFundMe, he said: "It was pretty much a last-ditch effort to get what we can."
Since returning to the UK, Liam's local MP, Jonathan Brash, has contacted Admiral to express his disappointment. Liam said: "He came to visit me in the hospital, he's writing a letter to the insurance to get them to change their minds, he said it's an absolute joke."
Liam has also been supported by Forces Mutual, an organisation focused on improving the lives of people who serve in HM Forces.
"The CEO basically got in contact with me because he'd heard about it through the lads in the army," he said, explaining that the CEO instantly offered to look through Liam's insurance policy.
He has now appealed Admiral's decision, and failing any movement, he is prepared to discuss his case with the ombudsman. Reflecting on his fall, which was just over two months ago, Liam says he remembers the "majority" of the terrifying incident, including going over the edge. However, he doesn't remember his "way down".
Liam had been taking a picture of his surroundings when his feet gave way, and he slipped over and started to pick up speed. While Liam didn't fall the whole way down, he instead landed on "a bit of rock sticking out halfway down". His girlfriend had previously told the Mirror that had he fallen any further, he'd have "died on the spot".
Now, he's unsure if he doesn't remember descending due to either hitting his head or mentally blocking it out.
"I remember slipping, then going towards the edge thinking 'S**t, here we go,' going over and then I remember waking up and crawling out of the water. I remember most of being at the bottom, but I was in and out of consciousness, I was pouring with blood, I wasn't all there," he said.
He says that reading Lucy's previous interview with the Mirror in the hospital, the memories started flooding back to him. Recalling the incident, he said: "I was unlucky for what happened but since the accident, everything has been so lucky. There was a vine swinging off before I went over the edge which slowed me down.
"I landed (on) the ledge, not the right the way down. My girlfriend came and found me, and a doctor bandaged me up. Everything from the fall was really lucky after that." Locals and doctors told Liam he was "lucky to be alive" following the fall in the area, which they described as the "Taker of Young Souls".
Liam had three operations in Thailand, including one on his eye, which he says didn't work, and an emergency surgery on his skull.
"We got back and surgeons here did X-rays, they found that the titanium mesh under my eye was slipping, my eyeball was slipping right down behind my cheekbone," he said, explaining he was "going blind" in the eye. He had emergency surgery just two days after his X-rays.
Now, he is making a recovery at home, engaging in physiotherapy sessions and consultations with medical staff. When approached by the Mirror, Admiral Insurance said they were "very sorry" to hear of Liam's situation and understood that the outcome of his insurance policy may not have been what he was expecting.
They said that Mr Gibson "knowingly undertook a risky activity despite clear warnings". A spokesperson said: "We're really sorry to hear about the injuries he has suffered and as a gesture of goodwill, we made an offer of an ex gratia payment of £50,000 (€58,000) to assist with medical costs and his return home.
"Mr Gibson accepted this and asked us to pay this directly to the hospital towards the medical costs incurred, which we are in the process of doing. To assess his claim, we conducted a thorough review, including a site investigation, due to the limited information Mr Gibson and his girlfriend initially provided.
"Based on the investigation and the statements provided by both of them, we understand Mr Gibson was injured while climbing the Na Muang waterfall and taking a photograph at the top of the waterfall, despite multiple warning signs of the dangers of slipping or falling due to the terrain and slippery rocks. The information provided to us included Mr Gibson confirming that he wasn't wearing appropriate footwear, given the dangerous nature of the site."
The spokesperson stated that an agent visited the location of the waterfall to determine whether there was information to make visitors aware of the risks. An agent supplied photographic evidence, stating that there were signs located throughout the journey to the waterfall, displaying the risks involved from walking, climbing, jumping or diving in the area. Phone numbers for emergency services were also visible.
"We carefully considered all of the information, including Mr Gibson's account of the incident, the investigator's insights, including photographs of the site, the surrounding warning signs and the information available online about the site," they said.
The spokesperson added: "Taking all this into account and given the foreseeable risk and the nature of his actions, which fall under our policy's exclusions for reckless acts, we were unable to cover his claim."