Accidents and how to insure against Christmas mishaps

Who would have thought that Christmas could be so hazardous? But a survey issued this week said that 20% of the British population will injure themselves, just by cooking the Christmas dinner. The survey, by personal injury specialist First4lawyers, looked at the nation’s top mishaps taking place in the home. The top five causes of injuries at Christmas are: 1. Cooking Christmas dinner (20%) 2. Cuts from broken tree ornaments (11%) 3. Falls from ladders or roofs while installing lights and decorations (11%) 4. Tripping over cables and fairy lights (10%) 5. Burns from candles (10%).

International private international health parovider, April International UK, who have been insuring expatriates around the world for 30 years, can however see the serious side of this research. Debbie Purser,CEO said: “It seems Christmas can be fraught with danger, which if you live abroad, might be far more difficult to deal with, once language and cultural barriers are taken into account. For families in particular, just knowing how to get hold of an international doctor on an emergency A&E department can be a worry. That is what our 24/7 Assistance Providers are on hand for all our clients and the service offers multi lingual and medically trained staff to look after even the smallest cries for help, such as knowing where to find the nearest hospital.” Sadly, disasters, both small and large can strike at any time and the costs can mount. An ambulance trip in the USA can cost $1,000.

Around the world, the average cost of a private in patient stay is around $7,500 or a broken ankle in Hong Kong could incur medical fees of $20,000. Insuring against accidents and illness is sensible whatever time of year, particularly for those living abroad who may be exposed to a far wider range of risks, depending on where they live. There is also a common misconception that a travel insurance policy will be good enough to cover those living permanently abroad – this is not the case, travel policies are designed for short term trips, those who have moved abroad must have the correct international private insurance cover, if they want to be protected. The survey added that other common injuries are caused by electric shocks (8%), setting up toys and games on Christmas Day (7%) and falling Christmas trees (4%). Alcohol, not surprisingly, was responsible for 80% of all injuries at Christmas. Debbie Purser ends, “Treat yourself to a Christmas present this year and insure against any medical costs that you, or a member of your family, might incur from the most unlikely of accidents. This will give you peace of mind. You can then relax knowing that you and your family are protected, have a wonderful Christmas and look forward to a prosperous New Year.