Severe illness policy wont pay further as i havent deteriorated!

<p>Was diagnosed with MS August 2015. Lost my job due to incapacity due to ill health. Had relapse in 2016. Discovery send OT to evaluate. OT feels i need to be revaluated in 6 to 12 months time but Discovery feels that my condition has not deteriorated therefore wont pay out further severe illness benefits. Does everyone know that when they take outa policy for such unforeseen circumstances you might in fact not get what you pay for as insurance companies have every excuse not to pay out? Nevermind the fact that you, yourself have to do the follow up. So in essense i need to deteriorate even further to receive payment? Whats the point? Going to advise everyone NOT to take out such policies, especially with Discovery.....</p>