Well Ian, you did say you weren't asking for sympathy.....
Horrendously expensive, i'd have paid thousands in over the last 35 years for very little return. Cant remember the exact figures when i looked into it when i first went SE in 1983, but it was something like £19 per month per £100 a month cover. Illness and accident are two seperate policys, and you couldn't claim for at least the first week of any illness. And the list of exclusions was huge, leaving little you'd actually get paid out for. Its the same with tool insurance, with the best exclusion being that they're not insured at night FFS.......
The only answer really is to create a savings pot that you never touch so you've got money to fall back on when the time comes!!
A bit of an update, had both Carpal tunnels done a bit back, left hand no problem, had the right one done first!! fun and games trying to do "personal" things with the wrong hand I can tell you!! "wipe my botty" what else do you think? I had my right shoulder done a bit back and still have restricted use of it, not expected to get any better, this one is a bloody sight worse pain wise, and full of bruising, no idea how my "moobs" got that bruised that far away from my shoulder, six weeks off and can't lift anything with my left hand as it's so bloody painful, a change of dressing enabled a photo opportunity The other has cleaned up well.
View attachment 42366 View attachment 42367 View attachment 42368
Looks like the same wax you use AB. Robbo could benefit from one of your Grecian bronze spray tans though!
On a more serious note, physio is key to a good recovery. Make sure you get some.