Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • eldaniel
    • By eldaniel 9th Jul 18, 11:32 AM
    • 230Posts
    • 90Thanks
    eldaniel
    Refused critical illness cover due to misdiagnosis? What can I do?
    • #1
    • 9th Jul 18, 11:32 AM
    Refused critical illness cover due to misdiagnosis? What can I do? 9th Jul 18 at 11:32 AM
    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
Page 1
    • rs65
    • By rs65 9th Jul 18, 12:11 PM
    • 5,352 Posts
    • 2,555 Thanks
    rs65
    • #2
    • 9th Jul 18, 12:11 PM
    • #2
    • 9th Jul 18, 12:11 PM
    Shouldn't your focus be on your health? I would be at the gp about treatment
    • eldaniel
    • By eldaniel 9th Jul 18, 4:37 PM
    • 230 Posts
    • 90 Thanks
    eldaniel
    • #3
    • 9th Jul 18, 4:37 PM
    • #3
    • 9th Jul 18, 4:37 PM
    Shouldn't your focus be on your health? I would be at the gp about treatment
    Originally posted by rs65
    It has been 4.5 years ago and there was no further symptoms. GP was the one deciding that I don't need any further treatment in the first place. There could be thousands reasons for blurred vision i.e. basic one as allergy. If I follow your logic I will go there asking for treatment and I will be excluded from CIC for another 5 years despite having no symptoms? Just because I reported something to GP. Especially that my wife suffers with MS and that's why I need to have CIC as a backup plan.
    • Quentin
    • By Quentin 9th Jul 18, 4:52 PM
    • 37,282 Posts
    • 21,444 Thanks
    Quentin
    • #4
    • 9th Jul 18, 4:52 PM
    • #4
    • 9th Jul 18, 4:52 PM
    Make an appointment and discuss this with the doctor

    Then take it from there if he has misled the insurer, or get treated if you need it and have slipped through the net
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,084Posts Today

7,095Users online

Martin's Twitter