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  #21  
Old 10.01.2017, 12:03
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Re: Accident insurance - help needed!

A good physio will also show you exercises that can strenghten knee and really help prevent further deterioration. So will swimming with physio palms (up and down legs) and if it is an issue, lose weight too.

OH is a doctor and when he tore all his interior crucitate ligaments in a ski accident when he was about 40- the knee surgeon told him it was best not to operate and to do the exercises, etc. OH was absolutely furious about it- to say the least. But a year later he was back on his skis with a knee support- which he then took off after that and has never had any problems since- and he was happily forced to eat humble pie and agree that operating is not always a panacea or better.
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  #22  
Old 10.01.2017, 12:47
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Re: Accident insurance - help needed!

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They can't do that if it can be shown, on balance of probabilities, that the new or recurring symptoms area direct result of the original accident. The twist can come when there are further complications that may or may not be caused by the original damage.
They can and do. It might not be common but it does happen.
Several years ago a friend was looking in a bakery window when a scooter mounted the pavement and rammed her face first into the plate glass window pane.
Her nose was broken and several of her front teeth cracked or crazed. As she was heavily pregnant at the time she didn't was to have work done on her teeth (anesthesia can be risky during pregnancy apparently) so she chose to wait until after she'd given birth. The motorist's accident insurance successfully imposed a five year time limit on their responsibility for any future dental work.

Not quite the OP's situation as her case involved a third party's insurance, but it was still a case of an accident insurance company being able to limit their liability.
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Old 10.01.2017, 20:40
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Re: Accident insurance - help needed!

I broke my hand quite badly, needing a year of rehabilitation. During the treatment, surgeons decided to operate to release 3 finger tendons, which they said had been shortened from underuse. They made it clear that accident insurance wouldn't cover the costs, even though the problem was directly due to the fractures caused by an accident.
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  #24  
Old 16.01.2017, 00:34
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Re: Accident insurance - help needed!

Thanks for all replies!

To sum it up : If I go on surgery by myself, my own health insurance will cover it? Ofc, I pay my part (franchise), rest is on them?
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Old 16.01.2017, 00:44
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Re: Accident insurance - help needed!

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Thanks for all replies!

To sum it up : If I go on surgery by myself, my own health insurance will cover it? Ofc, I pay my part (franchise), rest is on them?
To some extent it's going to depend on what type of insurance you have.
Basic, complimentary, semi-private/private.
You really need to check your own personal policy and if necessary speak to a representative from your insurance company. Some companies require that you go through a GP (generalist or family doctor), who will then direct you toward a specialist, other policies allow you to go straight to a specialist of your chosing, yet others restrict you to a specifically approved list.

Check first, the type of specialist you're talking about (and any resulting treatment) won't be cheap.
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Old 16.01.2017, 09:33
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Re: Accident insurance - help needed!

+ have the answer of the insurance in writing
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