We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Critical Illness Cover refused due to misdiagnosis. What can I do?
Options
eldaniel
Posts: 264 Forumite
Hi,
Back in Oct 2012 I had a 2 short spells when my vision was blurred when I woke up for up to 30 min at a time. I was sent to Opthomologist. He could not find anything. Sent me for ECG which came back fine too. That was end of the story. I was under impression that everything is fine because no further tests were conducted. Since then I never had a problem with blurred vision again. I applied for CIC few months ago. Reported all the problems, they contacted GP for further details and on the report it says "Provisional diagnosis: Amaurosis fugax". I was never told about this provisional diagnosis. Reading about it this is something which can lead to blindness, stroke etc. But also should be treated! With me they have done a ECG which came back fine and I am guessing they concluded that it is not that, nor nothing serious and did not do any further action.
Now the question is what can I do about it? Because if I really have it I should be treated for that. If I don't which seems to be correct can I request it to be corrected by the GP or Opthomologist. I feel I am the one who loose out now because Opthomologist was playing a guessing game.
Another option is to wait few months until 5 years passes and then most insureres won't ask for anything which was over 5 years ago.
Any advice appreciated. Thanks
Back in Oct 2012 I had a 2 short spells when my vision was blurred when I woke up for up to 30 min at a time. I was sent to Opthomologist. He could not find anything. Sent me for ECG which came back fine too. That was end of the story. I was under impression that everything is fine because no further tests were conducted. Since then I never had a problem with blurred vision again. I applied for CIC few months ago. Reported all the problems, they contacted GP for further details and on the report it says "Provisional diagnosis: Amaurosis fugax". I was never told about this provisional diagnosis. Reading about it this is something which can lead to blindness, stroke etc. But also should be treated! With me they have done a ECG which came back fine and I am guessing they concluded that it is not that, nor nothing serious and did not do any further action.
Now the question is what can I do about it? Because if I really have it I should be treated for that. If I don't which seems to be correct can I request it to be corrected by the GP or Opthomologist. I feel I am the one who loose out now because Opthomologist was playing a guessing game.
Another option is to wait few months until 5 years passes and then most insureres won't ask for anything which was over 5 years ago.
Any advice appreciated. Thanks
0
Comments
-
You should post this in the insurance section as it is off-topic for this section. Or perhaps a section dealing on health as its not really an insurance question but health-related.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
-
I thought this is the only insurance section and critical illness cover is a form of insurance. I knew it is a long shot but considering knowledge of people on this forum I thought it is worth trying.You should post this in the insurance section as it is off-topic for this section. Or perhaps a section dealing on health as its not really an insurance question but health-related.0 -
I thought this is the only insurance section and critical illness cover is a form of insurance. I knew it is a long shot but considering knowledge of people on this forum I thought it is worth trying.
This is the missale section for PPI. There is a section on insurance further down the board. Scroll down and it's near the end of the essential money section.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
how do I delete that post? thanks0
-
Don't worry. This one will just die naturally once we stop posting replies!I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.2K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.7K Spending & Discounts
- 244.2K Work, Benefits & Business
- 599.2K Mortgages, Homes & Bills
- 177K Life & Family
- 257.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards