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Warning issued over ‘booze clause’ after lad survives balcony fall on holiday

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A dad-of-one has been handed a hefty medical bill following a horror accident while on a lads’ holiday in Ayia Napa.

Lincoln-born Sam Hudson, 24, was on a trip with his brother and his friend when he fell nine metres from a balcony at the Anmaria Beach Hotel.

He doesn’t remember anything from the incident, but it is thought that he was intoxicated and had tried to leap between two balconies.

As a result, the Brit was left with a number of severe injuries, such as a broken pelvis, a broken leg, and fractures to the L4 and L5 vertebrae in his spine.

However, Sam couldn’t afford to treat his health issues as he hadn’t taken out travel insurance before travelling abroad.

But in the aftermath of his actions, the father found out that he wouldn’t have been covered even if he’d had insurance.

Sam survived a big fall while drunk (SWNS)

The decorator was told that this was because he had consumed more than four pints of alcohol.

Different insurers will have different rules, but most policies will not cover injuries they believe to have been caused by drinking ‘too much alcohol’, and will often state in the policy a maximum blood alcohol level they will cover for.

Now, Sam and his family are working to raise awareness of the caveats around travel insurance and its ‘booze clause’, aiming to change the existing law so it would become mandatory for tourists to have it before jetting off.

They are also calling for tourists to get themselves a UK Global Health Insurance Card (GHIC) before leaving, which would help to cover certain treatments.

Karen, Sam’s step-mum, claimed that he had gone back to the hotel earlier than the boys, who stayed at a pool party.

She explained that when they returned, police were at the scene and told them there had been an accident.

“Nathan [Sam’s brother] rang us and he was just beside himself. He said that Sam had fallen off a balcony and was in hospital,” she recalled, saying it was ‘every parent’s worst nightmare’.

She flew out with Sam’s dad, Mike, the next day to see him at the Nicosia General Hospital.

Sam is currently unable to walk due to his injuries (SWNS)

Karen said he was ‘screaming in pain’ despite being on the maximum amount of painkillers, as he awaited emergency surgery on his pelvis.

The wait was for a GHIC card, which took his family days to sort out.

After speaking to the British Embassy, they were told that it would cost £50,000 to get Sam home, suggesting they start a GoFundMe.

While they didn’t want to ‘sponge off people’, a conversation with the desperate Sam changed their minds.

“He said to me: ‘I just want to get home so the doctors can understand my pain when I’m telling them,'” Karen said.

While the GHIC card covered the surgery and urgent medical treatment, the family set up a GoFundMe to help them pay for their expenses and accommodation in Cyprus, as well as Sam’s medical equipment and costs to get back to the UK.

They have so far raised just over £5,500, en route to their target of £10,000.

Sam was recently told he’ll be OK to fly on a commercial plane, though specialist assistance will be required, adding to the price.

Karen thinks that travel insurance should be mandatory when booking a trip overseas (SWNS)

The plan is for Sam to start rehabilitation and physiotherapy once home, as Karen hopes this will happen in the next few weeks after making relevant arrangements with a local hospital.

She added that they were ‘shocked’ to find that Sam wouldn’t have been covered by insurance because he drank.

“I know people might think: ‘It’s his own fault. He was drinking.’ And I completely agree. But I think it’s unrealistic to think that people will go on holiday and not have a drink,” she claimed.

Karen said there should be an option to cover alcohol-related incidents, explaining that it should be ‘mandatory for all tourists’.

“For example, when you go to tax a car, it checks your insurance,” she went on.

“I think when you book a holiday, you should have to put your travel insurance details and your GHIC Card in, or, it doesn’t let you complete the booking.”

Karen reckons that the family have had to spend around £8,000 on equipment such as a mobility chair and back brace.

She also aims to donate any leftovers from the GoFundMe to families in similar situations.

To donate to Sam’s GoFundMe, click here.

If you want to sign Karen’s petition to change laws around travel insurance, click here.



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Travel alert: Landmines, theft, violence concerns at these 2 Southeast Asian countries

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Federal authorities are warning Americans that traveling to two Southeast Asian countries can be dangerous and they should be extra cautious if visiting. They also advise against traveling to the countries’ border altogether.

The U.S. Department of State advisory level for Thailand and Cambodia were increased Friday to a Level 2, “exercise increased caution.”

The travel advisories were raised due to unrest in Thailand and concerns for crime and landmines in Cambodia, according to the advisories.

The U.S. government also issued a Level 4 “do not travel” advisory, advising against traveling within about 30 miles of the Thai and Cambodian border due to fighting between the countries’ military forces that started in May.

“There are reports of fighting, including rocket and artillery fire, between Cambodian and Thai forces along the border. Armed conflict has led to reports of civilian casualties,” the advisors read. “There is a collateral risk of violence, and U.S. citizens are advised to avoid all but essential travel to within 50km of these border areas until further notice. The U.S. government has limited ability to provide emergency services to U.S. citizens in these provinces due to the ongoing risk of armed conflict.”

The caution regarding travel to Thailand is “due to civil unrest associated with ongoing insurgent activities in the Yala, Pattani, and Narathiwat provinces,” that advisory said.

There is occasional violence between Thai security services and armed insurgents in those three southernmost provinces, the advisory explained, and 17 districts in that region are under a state of emergency due to the violence. Visitors risk getting caught up in the fighting and U.S. officials can’t guarantee they’d be able to help, the advisory warned.

The issue in Cambodia is different. That country’s capital city, Phnom Penh, is dealing with street crime, with many travelers losing their phone and bags to thieves, that advisory said. Sexual assault and murder are also concerns.

Landmines and unexploded ordnances are the concern in the provinces of Battambang, Banteay Meanchey, Pursat, Siem Reap, Pailin, and Kampong Thom, the advisory said, particularly in forested areas and dry rice paddies.

If you decide to travel to Cambodia or Thailand, the U.S. Department of State advises:

  • “Do not physically resist any robbery attempt.
  • Have evacuation plans that do not rely on U.S. government assistance.
  • Enroll in the Smart Traveler Enrollment Program (STEP) to get important updates and alerts from the U.S. embassy or consulate.  Enrolling helps the U.S. embassy or consulate contact you or your emergency contact in an emergency. 
  • Review the Country Security Report for Cambodia and Thailand.
  • Prepare a contingency plan for emergency situations. Review the Traveler’s Checklist.
  • Visit the CDC page for the latest Travel Health Information related to your travel.
  • The government highly recommends you buy insurance before you travel. Check with your travel insurance provider about evacuation assistance, medical insurance, and trip cancellation coverage.”

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Allianz Life says ‘majority’ of customers’ personal data stolen in cyberattack

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The New York headquarters of German Allianz insurance company on Sunday, November 23, 2014. Allianz plans to sue Volkswagen over its drop in share price resulting from the Volkswagen emissions scandal. ( Richard B. Levine) (Photo by Richard Levine/Corbis via Getty Images) | Image Credits:Richard Levine/Corbis / Getty Images (Image has been modified)

U.S. insurance giant Allianz Life has confirmed to TechCrunch that hackers stole the personal information of the “majority” of its customers, financial professionals, and employees during a mid-July data breach.

When reached by TechCrunch, Allianz Life spokesperson Brett Weinberg confirmed the breach.

“On July 16, 2025, a malicious threat actor gained access to a third-party, cloud-based CRM system used by Allianz Life,” referring to a customer relationship management (CRM) database containing information on its customers. “The threat actor was able to obtain personally identifiable data related to the majority of Allianz Life’s customers, financial professionals, and select Allianz Life employees, using a social engineering technique,” the spokesperson said.

The company disclosed the data breach on Saturday in a legally required filing with Maine’s attorney general, but did not immediately provide a number of how many Allianz Life customers are affected. According to the spokesperson, Allianz Life has 1.4 million customers. Its parent company, Allianz, has more than 125 million customers worldwide.

Allianz Life said it notified the FBI, and added it had “no evidence” that any other systems on its network were compromised.

The insurance giant would not say if it had received any communication from the hackers, such as a ransom note. The company also would not attribute the breach to a hacking group.

Allianz Life is the latest company in the past month to have been hacked during a wave of data breaches targeting the wider insurance industry, including Aflac, a major provider of supplementary health insurance. Security researchers at Google said in June that they were “aware of multiple intrusions” across the insurance sector attributed to Scattered Spider, a collective of hackers and techniques that rely on social engineering techniques, such as deceptively calling and tricking helpdesks into granting them access to a company’s network.

Prior to targeting insurance companies, the Scattered Spider hackers were seen targeting the U.K. retail industry, as well as the aviation and transportation sectors, and are historically known for hacks targeting Silicon Valley technology giants.

Per the Maine filing, Allianz plans to begin notifying affected individuals around August 1.

Do you know more about the Allianz Life cyberattack? Are you an affected customer or employee? Securely contact this reporter via encrypted message at zackwhittaker.1337 on Signal.



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Venus Williams and her health insurance: 4 things to know : Shots

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Venus Williams returns a shot against Magdalena Frech on day 4 of the Mubadala Citi DC Open. Williams, 45, said she’s been on COBRA health insurance.

Scott Taetsch/Getty Images


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What drove Venus Williams to the court at the Mubadala Citi DC Open this week after a year-long break from competition?

“I had to come back for the insurance,” she quipped in an on-court interview after winning her first-round match on Tuesday. “I was like, ‘I got to get my benefits on!’ Started training.”

The crowd at the stadium in D.C. laughed knowingly. “You guys know what it’s like!” she said.

Venus Williams made the remarks about health insurance after winning her first round match on Tuesday.

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Even if you’re not a seven-time grand slam champion who just became the oldest player to win a pro women’s singles match in decades, you probably know the job-health insurance juggle that Williams was talking about.

Here are four ways U.S. health insurance can be challenging for Williams and many other Americans.

1. Her job is a little off and on.

In the U.S., most working-age people get their health insurance through work. Their employer gives them a few plan options and then pays a healthy chunk of the premium cost, with the rest deducted from employees’ paychecks.

When someone leaves a regular job maybe to start a business or take a break, there goes that health insurance deal. That’s essentially what happened to Williams — she took a break from competition and lost access to her regular benefits.

The health insurance Venus Williams got through the Women’s Tennis Association was a “best-in-class global medical, dental and vision insurance plan,” WTA wrote in a statement to NPR. In order to be eligible, players have to have a certain ranking and play a certain number of events in the previous year, according to the statement, and coverage lasts for the full calendar year.

“They informed me earlier this year I’m on COBRA,” Williams explained on the court Tuesday. COBRA is a law that allows you to keep your job-based insurance plan after your job ends, but you have to pay for the whole premium yourself.

“With COBRA, you may have a very good plan, but your health care costs are going to go up,” explains Miranda Yaver, health policy professor at the University of Pittsburgh. It’s notoriously expensive, often $500 per month or more. COBRA to cover a whole family’s insurance premium can easily rival a mortgage payment.

Venus Williams is a multi-millionaire, so the premium cost might not matter to her in the same way it does to the average person, especially if it allows her to keep that “best-in-class” plan she’s used to.

2. She has health care needs.

“Let me tell you, I’m always at the doctor, so I need this insurance,” Williams said in her courtside interview.

Williams recently explained she had surgery for uterine fibroids that had gone undertreated for years, she said. She also was diagnosed with an auto-immune condition called Sjogren’s syndrome in 2011.

She’s also an elite athlete. “Someone in her position might need physical therapy, sports, medicine, specialized care, and to be able to get that anywhere in the world,” says Cynthia Cox, a vice president at the health research organization KFF.

Plus, Williams is now 45 years old. Health insurance costs generally increase with age, as do health problems.

All of that could make finding a health plan that works for her more complicated than for most people.

3. She has way more options than she used to.

Before the Affordable Care Act, Venus Williams would have really been in a tough spot.

Professional athletes were included on a list of “Ineligible Occupations” — jobs that health insurance companies deemed too risky to provide coverage for — along with loggers, miners and taxi cab drivers.

Also back then, “even a wealthy person might have had preexisting conditions that could have made them uninsurable no matter how much money they were willing to pay for their premium,” Cox says.

That contributed to “job lock” — where people were stuck in their jobs no matter what because they needed the health insurance.

Now, if Williams really didn’t want to compete anymore and ran out of her 18-months of COBRA coverage, she could go to Healthcare.gov and buy an Affordable Care Act plan.

4. Only in the U.S., jobs and health insurance are deeply linked.

There’s no escaping the fact that in America, health insurance is connected to employment. “The dominant insurance model in the United States is employer-sponsored insurance,” Yaver says. (The story of how that came to be is related to the post-World War II economy when health insurance was a “fringe benefit,” to attract employees in a tight labor market.) Yaver adds that for workers who get insurance from their jobs, it’s often “a good deal.”

Since Congress passed the One Big Beautiful Bill Act, the public insurance plan for low-income people, Medicaid, will soon be tied to work, too. Beneficiaries will have to periodically prove they’re working a certain number of hours per month to be able to keep their health benefits. That requirement will affect mostly middle-aged, low-income women, according to a recent analysis.

For Venus Williams, the off-and-on nature of her job that comes with a high risk of injuries makes employer-based health insurance especially hard. In a way, the tennis hall-of-famer is dealing with a very special version of “job lock.”

Her fans can celebrate, though. Even if it’s for the health insurance, they get to see her on the court again; she’s playing a tournament next month in Cincinnati.



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