Iain

Hello all, I came about this thread whilst searching for information regarding critical illness cover. My partner had an SAH last September, 3 aneurysms, 2 of which burst and were coiled, and the 3rd which is being monitored. She spent 2 weeks in John Radcliffe hospital, where I cannot fault the care she had (after care has been non-existant, even our Dr has tried and failed to contact the consultant-I'll leave this for another time), and was released to come home and recover. Anyway, as an afterthought once the shock had wained a bit, critical illness was remembered, applied for, and all forms filled out and sent back. We have had a recorded delivery letter received yesterday, informing us that there will be no payment due to "Diagnosis of a cerebrovascular incident resulting in permanent neurological damage. Transient Ischaemic Attacks are specifically excluded ". Apparently according to the insures, it is not permanent, however if you try to take out a new policy, having had an SAH, you will not be covered if it happens again. Sorry for going on, this has knocked us back yet again, just when we thought that things were starting to look good. On the positive side, Karen is still here, improving everyday and has just started a phased return back to work, although she has trouble finding the right words sometimes (I notice her pause mid-sentence, although others don't), fatigue sets in quickly when she has been talking a lot and doesn't suffer fools anymore, well even less now! Me? well I'm trying to be strong for us and the kids (good days,bad days but kept to myself as not to burden Karen). I'm glad I found this forum, reading other people's thoughts and fears, helps. If anyone can give any advice, it would be gratefully received, as I'm not going to roll over and let the Insurance industry win this one. You never know, I may yet appear on watchdog.