Getting hurt on our is in our case "normal".
Last year my wife went over the handlebars in Uzbek, due to the biggest open hole this side of the black hole.
I took my first tumble in remote Tajikistan, and the best was in China. Arm leg hip and black eye. Both from coming off the bike.
In all cases we left bruised and bleeding and just kept on going.
we had insurance (insure4less) but just got some stuff from the local chemist. Always cheap enough.
Wear a Helmet!!!