# Insurance claim, could I be rejected? Advice please. **URL:** \ **Category:** Everyday living\ **Created:** [28 November 2012 19:55 UTC](https://forum.mssociety.org.uk/t/insurance-claim-could-i-be-rejected-advice-please/29319 "2012-11-28T19:55:15Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![Inactive\_User](https://avatars.discourse-cdn.com/v4/letter/i/3e96dc/32.png) [@Inactive\_User](https://forum.mssociety.org.uk/u/Inactive_User)\ **Post date:** [28 November 2012 19:55 UTC](https://forum.mssociety.org.uk/t/insurance-claim-could-i-be-rejected-advice-please/29319/1 "2012-11-28T19:55:15Z")
I was diagnosed with MS last week and have been looking into my criticall illness cover to see if it will pay out. MS is an insured condition but there are ‘get out’ clauses within the policy. It basically says that if I have been to my doctor with symptoms, been diagnosed with or sought medical advice/treatment for x y and z then they will not pay out for MS. They did no medical checks before I took the policy out, I never even filled in any application or questionaire. They have listed pre-existing symptoms such as numbness, weakness, abnormal sensation etc. I have obtained a copy of my medical records and before the policy was taken out I was back and forward to the doctor with what they thought were migraines and trapped nerves. The notes do mention weakness in my left arm and tingling but they do not mention the possibility of of anything serious being suspected. I did go to a neurologist for migraine and neck pain but no formal diagnosis was given and I have just soldiered on. Will these records be enough to decline a claim under critical illness? ---
**Author:** ![AnnieB](https://avatars.discourse-cdn.com/v4/letter/a/5e9695/32.png) [@AnnieB](https://forum.mssociety.org.uk/u/AnnieB)\ **Post date:** [28 November 2012 20:02 UTC](https://forum.mssociety.org.uk/t/insurance-claim-could-i-be-rejected-advice-please/29319/2 "2012-11-28T20:02:51Z")
**Hi anon** **It’s impossible to know what the insurance company will do.** **However if they refuse you, from what you say you would have good grounds for an appeal.** **I would be prepared for a fight. If it comes to it, get some good advice CAB etc.** **Good Luck!** **Anne x** ---
**Author:** ![Flowerpot](https://avatars.discourse-cdn.com/v4/letter/f/90ced4/32.png) [@Flowerpot](https://forum.mssociety.org.uk/u/Flowerpot)\ **Post date:** [29 November 2012 12:28 UTC](https://forum.mssociety.org.uk/t/insurance-claim-could-i-be-rejected-advice-please/29319/3 "2012-11-29T12:28:05Z")
Like the last reply, I don’t know, but I think you should submit your claim. If they refuse go to the FSA, and don’t give up without a fight! Good luck.