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

“Break a leg” is a common term used to wish others “good luck” but it proved to be a sore point for a man here who was 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.