Hi I will get the exact wording on Monday - But the devil is in the detail - Permenant, before or after, very risky (potentially life threaterning Surgery) or possible epelepsy / paralysis / complete memory loss Suddenly - headache - sickness - reduced eye sight / memory - dosen't seem so bad. You see there is no guarantee the surgery would make a difference but the insurance company imply that with out it, there is possible doubt as to the permenacy of the symptoms - With young kids - employees (with families- to support ) what do you do ???

Thanks everyone for your help and support. I have the letter now from S P and as indicated the point of argument is wether the criteria is exactly met, I will see my doctor soon and hopefully get a definitive, Amazing though, I have a brain tumour that is making work impossible and hence finances difficult, five years ago when we decided to have a larger family we took the descision to increase our insurance to protect us and our business. We chose what we thought was the best company with the finiest reputation and yet, when we have to claim, when we are at our weakest and lowest it seem we have to fight tooth and nail to recieve what should be fairly ours. I feel very strongly that these insurances should be black and white and not open to interpretation !!!

Well they took there time, but I have had a responce. It would seem that scot prov are not happy with the definition of the claim. This was the only element that there could be any doubt. And as you would expect they have done so. I don't have any thing in writing yet, when I do I'll let you all know.

UPDATE Thank you all so much for your help, it's quite overwhelming from feeling small and insignificant to having a strong and knowledgeable team behind you within 24 hours. Thanks should be given to the CAB for recommending the site. (all be it unoffically) So this afternoon I spoke very firmly to broker and ins co and got more information than i had recieved for the last five months. It would seem the ins co were awaiting reports from my doctors which were recieved two weeks ago, last thursday they sent a report to the re - insurers and have been promised a reply by this thursday. I have been advised that three criteria must be met. 1) Is the diagnosis correct - Yep I even have a picture ! 2) was there any undisclosed information on my medical records which would have stopped them insuring me. - No 3) Dose my infliction match the criteria from my policy document - well i suppose thats the bit down to interpretation ? so my assumption is that the insurance company must have okay'd things and have now sent information to the re- insurance company. So it seems like things have been progressing alot more than I thought, although it seems a bit rough that when you are at your weakest you must be at your strongest to learn anything !!!!!!!!!!!!? thank you all again.

UPDATE Just come of the phone to scot prov - as my claim consists of 2 policies 1) personnel - £200,000 2) Key Man ( Business ) - £250,000 The total amount is too much for them, so they have used an insurance company to offset the risk. This is the re-insurer. They are waiting a decision from them, my frustration now is that I was not informed of this re-insurer. surely the re-insurer decsision is between them and scot -prov and should not effect me. Is that logical ?

Thank you for your help bookworm The company is scotish provident, i took the policy out with a broker, although they are sending me directly to the ins company. I will phone the insurance co again and get some clarification, i was nervous to do so in case they took offence and that this may have affected the out come. Thanks again,

Scott. Thank you,

Wow Thank you both so much for your quick responce. Big mac so far they have said very little other than they have been awaiting medical reports. Most recently they mention discussions with a ' re insurer' what ever that is ????

Hello everyone In July i was diagnosed with a brain tumour after suffering with really bad head aches and Sickness for 3/4 months before that. In addition these symptoms i am becoming very forgetful ! Luckily my wife remembered that we had a critical illness policy with scot prov - I took out two policies with them in 2003 one for me and one for my business - (with four small children, it seemed a sencible precaution) Obviously now its November and I still don't have an answer from them as to when or if they will pay up. Its really frustrating not knowing if after all I planned, if my family will be or not be covered should the worse happen. Dose any one here have any experience / knowledge about how these companies work ?? i would be very grateful for any advice / help.