Cilroife.
I appreciate that Friends First need to check that claims are genuine and that customers are not over claiming.
In your case (from what you write) they are trying to find a reason to not pay out , in that your doctor has answered their concerns, yet they will not listen..
In your case it looks like Friens !st have chosen to take the line that your medical history is a good nuff reason to not pay out.
It looks like in your case Friends1st are just looking for an excuse to NOT pay.
In too many cases the Friends 1st of this world make sure they FIND non-payment reasons.
Hope this explains better.