Choose carefully.

My life was sailing along smoothly. Everything was going perfect until i became ill.

Seeing that i have not been to the doctor in almost 30 years with a serious illness except an occasional flu or cold image the shock when I was told i had heart failure.

My world started to fall apart. The company i help build threw me to the wolves. I did not have medical aid After all I did not need it. I don't drink or smoke,I eat health or as healthy as i could and i train as often as i could so basically i was fit until now.

I managed to get a consultation as a recognised heart health care facility and they confirmed the diagnosis and it got worst. I needed heart surgery. What am i going to do now.I was just keeping my head above water with my bills and was soon to start sinking then i remembered. I had a policy with 1 LIFE which included serious illness and dread disease . I gave them a call with high hopes all the time thinking thank god I never missed a premium in 13 years and the large premium that they were charging was finally going to be worth it. I gave them a call and was sent a ton of paperwork to complete.Well I said it had to be done.My family assisted in filling in the paperwork seeing that my deteriating health now started to take it's toll and we supp**** everything they requested well that's what we thought but no they now required a medical history going back 10 years from a family doctor which of course i did not have seeing that i have not been to a doctor in almost 30 years,I was never that I'll. I managed to get the doctor in question to fill and submit the paperwork after all there was not much to fill. I now waited patiently for a response from the insurer and then it came like a brick to the face. The response I got was a shocker. "Sir"the assessor said "we have to decline your claim cause our policy covers heart attack and other illnesses of the heart including most of the symptoms of heart failure but it doesn't say heart failure" Boom there it was. I did not need this stress now and i went off on the assessor which is unlike me . Who would have believed that all these rumours about this insurer is actually true nevertheless I've now handed it to my lawyer to sort out cause my heart does not need further strain . Just think if i had lost my life and my family was relying on my life cover to actually help settle my bill and then they make a ridiculous excuse not to pay . They are still deducting my monthly premiums for the insurance and I'm scared to try and change my insurer after all what if they are worst and what about the 13 years of premiums i have paid on time.

Stuck between a rock and a hard place .

it . I did not drink or s I was asked to seek a Cardiac specialist