So, here you are, balanced precariously on a very, very tall ladder, tools in hand, determined to fix that leaky hole in the roof or that pesky roof pipe problem by yourself. You’ve decided that hiring someone else to do this for you is wasted money when you could easily fix this problem yourself. Sure, you’ve read up how to do this on the Internet, and heard a few tips and stories from the men in your family, so this shouldn’t be a problem right? Granted you’ve never been six feet of the ground, and the balance on the ladder is less than secure… well, you’ll manage.
Except you don’t. A pebble came loose underneath one of the ladder legs, or a particularly strong gust of wind blew, or you lost your balance… Either way, you come tumbling down, tools and all, and —
You open your eyes. Thankfully, you didn’t land on your head, or your neck; you wouldn’t be able to open your eyes or crane your neck to survey the damage if you did. You decide to very gently move your body and limbs part by part to check for damage. Your back seems to be okay, your arms seem to be okay, your pelvis, right leg, and … Ow! The pain tells you you’ve broken your left leg. You remember you have your health card tucked away in your wallet somewhere, and you start to dial 911 on your mobile. While waiting for assistance, you wonder ? will your healthcare service cover your injury?
Before this happens to you, it would be wise to sit down and go over the provisions and conditions your HMO agrees to cover for you. Check if they not only cover first aid, casting, and assistance, but also hospital admission in the event the need arises. When it comes to your health, it’s always better to be prepared.