The moral is "Do not trust insurance companies" ~ they are there to make money, not to help the suckers who pay their premiums.
Yup, so true; and a sobering tale you tell. In my instance I might have to resign myself to the fact that any knee
flare-up just won't be covered. Unlike a holiday where one's
advised to take out insurance, this is a work contract which I'll only get if I can show a document showing cover.