Under the reciprocal they say that surgery isnt covered if its not classified as being medically necessary and can be completed on return to the UK. Even though it means he can no longer swim, play rugby, has to be extremely careful at work lifting heavy objects (basically rules out anything from his private life he was doing before) but then by the sounds of it wouldnt be covered under NHS to even have it done on a brief return. You've raised a very good point Petals, the specialist who hes seen and would do the surgery only works on shoulders and seems to really know his stuff, which is a huge difference to what you get in the UK. I guess you get what you pay for right? If only it wasn't $10,000...
I hope you all have full cover health insurance!