Dear Sir/Madam, the travel insurance may be very effective itself but because doesn't cover the private hospitals, we couldn't use it. My husband hurt himself on the head on a window's frame, and apparently lost lots of blood. We intentionally avoided to go to public hospital and went straight to a private one. He was still conscious and it wasn't a head trauma, so it wasn't a very urgent situation. He just needed to be disinfected weĺl and eventually receive other checks/advises. We went privately because even local people definitely discourage to look for medical care in a public hospitals (we were on a holiday in Kenya). Considering this experience I wouln't buy a travel insurance again to go to developing Countries if it doesn't cover private hospitals. Many thanks. Laura