Have you not had health insurance previously (with VHI or others)? VHI refused a claim I had a few years ago, after I'd just moved to them, but when I gave them details of my previous 5 years insurance with other providers they paid up.
Yes, but my point is that VHI didn't have (and never sought) my previous details and refused payment. I'm sure that happens often. Some who would be covered may not realise that it's a paperwork issue that they can remedy.There isnt waiting periods if you previously held cover.
Would be useful to know if there are many others who have been refused like me?
What can certainly be challenged is the VHI's assertion if their doctor's view conflicts with your consultant's view of the issue. It seems like VHI may have formed a presumptive and premature opinion without full possession of all of the evidence. Get your consultant's written confirmation of the facts and send that to VHI with a request to reconsider their position on the basis that their view was formed without adequate consideration of all relevant evidence.