I remember those weird and probably useless insurance plans they gave us to scare money out of our parents when I was a child. They included such calamities as

I remember those weird and probably useless insurance plans they gave us to scare money out of our parents when I was a child. They included such calamities as "losing one thumb, middle finger, and maiming the pinky." -- okay not that bad, but what they covered was so extremely specific and unlikely that if you actually did manage to seriously hurt yourself, it was obvious you'd have to hurt yourself even more to get any money from it. So, no my hands aren't insured outside of whatever my insurance covers for unspecific injuries that keep me from work. And given what they tried to sell when I was a kid, I wouldn't be too inclined to buy into such insurance.