Accidental fracture insurance for the slip-and-fall season
- December 9, 2022
- Posted by: olinsadmin
- Categories: Insurance Toronto, Medical Insurance Ontario
The slip-and-fall season is here so accidental fractures. Unfortunately, even with the best preventative measures, accidental fractures happen. Accidental fracture insurance will give you peace of mind in knowing that you are financially protected if it (haven forbids) happens to you.
Winter weather conditions bring with them lots of fun but also a variety of potential risks for personal injury, as well as injury to others. Accidental fracture during the winter is likely to occur from performing simple activities, even just from walking on the street.
Some of the most common winter incidents that lead to personal injury include:
- Slip and fall accidents
- Accidents while playing winter sports and activities. (Sledding is the most common cause of injury, but skiing, ice skating, hockey and snowboarding sent sports enthusiasts to the ER as well.)
Every year, thousands of people of all ages flock to ski slopes, skating rinks and frozen ponds to enjoy a few hours of skating, sledding, skiing, ice hockey and other winter sports. Along with those great times, though, come common winter injuries:
- Dislocated or broken elbow: If the impact is severe enough, you could end up with a fracture in the upper or lower arm near the elbow.
- Knee injuries: The knees absorb most of the shock to the body during everyday activities like walking. If you fall, however, the chance of injury is even greater, either because you fall right on the knee or bend your leg in such a way that an injury is inevitable.
- Ankle sprains and fractures: Every day, many people sprain, twist, roll or fracture their ankles. This happens because they trip or fall on ice or on uneven snow covered surfaces.
Accidental fracture insurance
Accidental fracture insurance offers complete coverage for individuals from 14 days to 75 years old:
- around the clock
- around the world wherever you travel
- no matter where you are: at work, at home or at play
Insurance coverage begins at 11:59 pm on the day the application is received at the head office of the Insurer, as long as the first premium has been paid and the application is acceptable according to the Insurer’s standards.
You can receive up to $10,000 in the event of an accidental fracture. Benefits are payable in addition to any other insurance you may have with another insurer or government plan.
The fracture must be diagnosed by a physician and confirmed by an X-ray within 30 days of the accident. If an X-ray is not submitted, the benefit will be limited to 50% of the amount stipulated.
But you have to keep in mind that no benefits will be payable if the fracture results from the use of alcohol, hallucinogens, drugs or narcotics.
Don’t let an injury put winter plans on ice – try to prevent it
Prevention is always the best method to avoid a slip or fall on icy days, and there are a few things you can try to keep you safer:
- Wear proper footwear made for icy and snowy conditions.
- Keep your stride shorter and avoid long steps.
- Slow things down — try not to rush or run outdoors.
- Keep de-icer or sand on hand for when things get slippery around your house.
- In case of injury, always have your cell phone handy.
- If you need to do outdoor chores, take your time and don’t hurry.
Sometimes, people are unaware that they have a severe injury. This may be because they don’t feel the effects of the fall immediately, or they believe their pain and discomfort will pass with time. Symptoms like pain or swelling should not be ignored, and it’s important to seek the advice of a medical professional to assess your condition.