The reason I asked about hands was that I've been getting sore hands, in particular thumbs, recently. You have a point, why not insure everything? But accidents/injury happen, it's impossible to live in a bubble and protect ourselves from everything! I was just simply wondering about hands because as a manual therapist I use my hands all the time and with repetitive strain I feel injury will occur and if that does happen, I was just curious to see if there was some sort of insurance out there which will give me some sort of compensation ie a quick op or something -maybe private healthcare would be a better option?! As we all know, waiting around for an op in the NHS could take several months.