A Trip, a Fall, and a $115 Bill

My daughter is pretty enthu' about badminton. So in pursuit of her interest, she had joined her school badminton team. The twice a week night training span 3 hours each time. A typical session will see them doing all kinds of dexterity and stamina exercises before proceeding to skills training and practices. I think it's good for her. 

On one such occasion recently, they were jumping over shuttlecock casings serving as makeshift obstacles. I guess her dexterity was low that day. She mistimed her jump and tripped over the casing. It toppled, and rolled onto the side. She landed on it awkwardly. That was it. Accident. Injury.

Dear oh dear. Limp limp limp. 

As concerned parents, we sent her to the nearest hospital A&E. My guess was that it was nothing more than just a sprained ankle. But how to tell? Better safe than sorry.

2+ hours plodding through the hospital system of admission, triage, X-ray, seeing the doctor, getting bandaged, settling the bills and discharge, collect medicine, and LOTS (and I mean LOTS!) of waiting. Eventually done. 

Fortunately, nothing more than a common sprain. Of course, her ankle was looking like an elephant trunk by then. But, not too bad. Nothing broken, nothing more serious. Relief.

The bill? Apparently $200 for the A&E services, which seemed to be inclusive everything. But there was a $85 government subsidy. So the final bill was $115.

It so happens that one of the insurance policy I had previously bought for my daughter has an add-on component that covered any injury for medical claims up to $1,000 for each accident/injury. 

My insurance agent came over to collect the original receipt and took care of all the paperwork. I hope to see the cheque soon.

Guess I should put off terminating this policy. For now.