BOTCHED INSURANCE CLAIMS X2

Not a black Friday review. 1) In 2018 I had a very painful and long rehabilitation of an operation for a knee replacement(half knee-uni the surgeon called it).I had insurance cover for all diseases and loss of limbs with Liberty- very expensive I might add -to which I duly claimed.Over the years until 2024 letters went backwards and forwards with more info from the surgeon required and more papers and applications from me required,a long process.Finally a decision was made by them-REFUSAL OF PAYOUT on the grounds:Uni replacement is a repair not a knee replacement.? I have never had a knee operation before,I was in hospital for 5 days,had weeks of physio and almost nine months of rehabilitation before I could walk unassisted again.THIS IS RIDICULOUS.WHAT DO WE HAVE INSURANCE COVER FOR.? I feel I have been unfairly treated by Liberty and would like a re-assesment of my claim without having to go through all the rigmarole again. 2)Further to the above in 2022 I submitted another claim after I got a tumour on my kidney( Covid 19 vaccine damage, I believe) and had to have my kidney removed.I duly put in my claim to Liberty for the cancer and- - the payout was refused! Reason:prior disease.Understand,I am 72 years old now and more than 50 FIFTY years ago I had a very small melanoma removed from the base of my throat.Procedure done in the doctors rooms and no after effects or treatment. Now,again I think I was unfairly treated and I did not even get a payout for the actual loss of my kidney!!! Liberty,I have been a loyal customer of yours for many years and I am APPALLED at this treatment.