Does your doctor's surgery really understand?

isayoldchap

A few weeks ago you may have seen the BBC Watchdog programme regarding Critical Illness policies.Some info is available here

http://www.google.co.uk/search?sourceid=navclient&ie=UTF-8&rls=GGIH,GGIH:2007-02,GGIH:en&q=bbc+watchdog+critical+illness&meta=cr%3DcountryUK%7CcountryGB

We have since contacted the two insurance companies we hold plans with.

We have also done some requotes and have found them to be cheaper than the decent quotes,like for like,I got around two and a half years ago.
Life assurance online and Moneyback mortgages are the two mentioned in Martin article.Both do charge a small fee but seems worthwhile for a great quote.Does anyone know of any other good quotes close to these two.LAO
actually say they are the cheapest in the UK.

So what of my doctor's surgery.
We wrote to the surgery to see our medical records and were asked to come in and see the doctor.This was after the receptionist was a little confused as to why just because of BBC programme.i sit only our receptionist who sticks her nose in other people's business?
She said the charge would be 30p per copy for information we required subject to the doctor being in agreement.
Anyway the doctor was reluctant to issue us with a list of our visits as she said data change may not be as accurate as it should be.
So she spent around ten minutes filing through our notes and mentioning bits and pieces that caused us concerns over the years.

We left agreeing the insurance companies need to write in if they require further information.

This is where there is the problem.We won't remember when we visited the doctor's over the years especially as the current doctor won't realise the necessary information.
This in the eyes of the insurance company(if they had to do a check should a claim arise)could mean non disclosure so invalidate our claim.
I can only think the surgery does not want to be at fault if they have forgotten to disclose something and at a later date the insurance company fail to pay up.A claim for compensation could be lodged against the surgery then.

The other thing the doctor on a couple of occasions made it clear that the insurance company wouldn't be intrested in conditions not apparent at the claim.This of course is incorrect as it's the failure to mention the condition the problem.Were maybe the patient has not remembered.

The doctor mentioned I damaged my wrist at two years old.I had no idea.
Of course my insurance doesn't state this either.

Your thougths would be appreciated