Yes, this is true. All rescues in those countries are done by human, livestock, and wheeled vehicle to the nearest hospital. However, you will still need to be insured because emergency yaks, jeeps, and rescue teams can be extremely expensive, as the nearest hospital is in Kathmandu. You might reach KTM by road or you may have to take a helicopter from the border to KTM. BE SURE TO PURCHASE GOOD QUALITY CLIMBING, TRIP INTERRUPTION AND TRAVEL INSURANCE.