Combined Insurance Company of America do a sort of accident cover....pays £100 per night your in hospital £500 per broke bone £500 per intensive care stay PLUS for TWICE the time you were in hospital you get £100 per day "convalescence" so 10 days in hospital with a broke leg earns you £3500
AND you can claim as many times as you like on same policy.
I had over £28,000 out of these guys in 2 claims. thay were the mutts nutts to deal with, no quibble, paid up sweet as pie.......also cover illness etc, age no problem, previous probs no matter, premiums about 50p to £1 a day or less depending on cover.....
check em out on Google or something.......they were brilliant.