I was diagnosed with AL Amyloidosis in 2015, mostly affecting my feet and legs. I am very fortunate insofar as there have been no negative effects on other organs and although my mobility is compromised, my condition is currently stable thanks to effective regular treatment.
A very long-standing private health insurance policy, which I used to speed up my original diagnosis, is coming up for renewal. I’m ashamed to admit that I have only now read the policy details in full! It seems the policy will not cover me for any future treatment for AL Amyloidosis, which is defined as a chronic condition – and the NHS is in any case exemplary in every way in the treatment I receive.
However, it seems it also does not cover me for any conditions I may develop in the future that are connected to AL Amyloidosis. I suspect, given the many, many different ways that amyloidosis presents, this clause could be applied to almost any new illness. Also, I have signed various consent forms over the past 6 years to receive different drug treatments, including chemotherapy. These forms state clearly that in some circumstances the treatment(s) could cause other conditions and cancers.
I am strongly considering cancelling the policy on the basis that going forward any new claim I may make is highly likely to be rejected, and that the policy is in effect worthless in my situation. Has anyone on this forum had any experience of a situation like this?
Many thanks for any and all responses to my question.
