(1) Claim your expenses that are clearly covered by your policy. The care in Bali, taxi ride in Bali, Flight to Singapore, Taxi in Singapore, Hospital stay, and the hotel in Singapore. That's gotta be at least $6,000 that you're just leaving on the table.
(2) Call your Doctor and ask him to write a better letter in support of your claim. It should be something like this:
To Whom it may concern,
I have reviewed the IATA manual and my patient Mr. Badger was unfit to fly pending his surgery. The manual states:
The following tables are provided as a guide to the timeframe that should elapse between a medical event and the intended flight. The timeframes may be changed following considered medical assessment of a specific case.
After my medical assessment I found Mr. Badger unfit to fly because:
(1) [Bad thing that might happen] because [medical reason bad thing might happen] (2) [Bad thing that might happen] because [medical reason bad thing might happen] (3) [Bad thing that might happen] because [medical reason bad thing might happen]
Thank You,
Dr So and So
If after they "review" my case they ask again, I will reach out to the DR who treated me and waste more of his time, but I'm confident the insurance company would have still found a way to weasel out of it, even if the DR had been more explicit. I imagine it wasn't his first time writing a "not fit to fly" note, after all...