What type of insurance? Help Please!

swebber

I'm only 26 years old, but after major surgery at 19 and then again at 20, I have been ill for 7 years. I've continued to work a full time job, but through the years have been getting steadily worse. I have no idea what is wrong with me and despite years of tests, the Doctors are none the wiser. I stopped chasing a prognosive and just got on with my life, but recently I have been getting worse and worse and my sick record is getting a little bad at work.
I made the decision to start researching myself over the Internet and now belief I know what is wrong, after a long discussion with my Doctor, he has agreed to send me for the relevant testing and then I will know for sure.

My Husband and I bought a house only two years ago and we are reliant on my income, I have great concerns that I will not be able to carry on working and that is why I want to take out some insurance to cover the mortgage costs if I do become to ill to work.

There is nothing on my medical records at the moment, but obviously there may very well be something soon.

What should I do?

Oh, I should probably mention that the surgery was related to Jaw mis-alignment and shouldn't have caused any further illness. Although the second surgery was to correct the first after it was done badly or whatever and no I didn't have a claim for compensation, even though I tried.

Sara

payless

swebber wrote:

.............. I have no idea what is wrong with me and despite years of tests, the Doctors are none the wiser..............I made the decision to start researching myself over the Internet and now belief I know what is wrong, after a long discussion with my Doctor, he has agreed to send me for the relevant testing and then I will know for sure.

swebber wrote:

............There is nothing on my medical records at the moment, but obviously there may very well be something soon.

Sorry but surely these 2 statements conflict .


You are required to answer all questions truthfully- even if no notes on medical records
( pointless paying out premiums for something that could be invalidated for non-disclosure)

Savvy_Sue

I agree with payless that you should tell them your GP has referred you for tests or whatever. If the jaw thing is entirely unrelated and now sorted that will probably be OK, but the 'waiting for tests' thing is highly relevant.

Not what you want to hear, but it would be truly pointless not to declare it.