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NHS surgeon who had his legs removed to satisfy sexual interest is jailed for fraud.
(www.theguardian.com)
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And that’s basically it!
I have a feeling most insurers would want to charge a higher premium to someone with a history of freezing their own legs off. I doubt they have data to support it, but it’s not unreasonable to expect there’s a higher chance that this guy might self harm than the average person. Or require mental health support.