Your medical scheme is obliged by law to cover your costs in a medical emergency. But the law is not clear on what is and what isn’t an emergency. A mother’s experience after her son had a car accident highlights how you may have to fight to have your claims covered. This Saturday, Personal Finance reports on the case and what schemes are saying about it to establish how they would treat you in similar circumstances.

Also in this weekend’s edition:

* Provisional tax: are you liable and, if so, what should you do?

* Do you know what you’re paying for your credit card?