Take note of policy terms that don’t cover some medical conditions

Break a leg is a common way to wish others “good luck” but it proved to be a sore point for a man here after being denied insurance when he suffered a fracture – in the wrong leg.

Such claims would usually be approved with no fuss by most private insurers, especially if the injury was caused in an accident. But this man’s policy had a specific no-coverage term for his right leg as he had had knee replacement surgery.

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