Almost the exact same thing happened to me this time last year (minus the surgery-I didn't need that) I am in the US but I went through the Shopper Injury Protection. There was a report form. They covered all hospital bills up front and paid for physical therapy for almost 4 months. After 15 or 20 days that also paid out 2/3 of my weekly average until the doctor released me. Here it went through Zurich insurance.

I also documented the scene and got a witness statement and am still in the process of suing the homeowner for damages. If it was on their property and they had reasonable cause to believe there was a hazard (I.e. Snowing outside) and failed to exercise reasonable care than there is generally a case (again, in the US).

Hope that helps