- Aug 4, 2007
- Sylvan Lake
I realize this question has probably been discussed on many occasions but I have some questions that I would like anyones input from experience. I have a pre-existing poilicy from before I got ill but since I have a son I want to add to it. There is no clause for pre-existing symptoms or treatment you have recieved in relation to a disease that is not diagnosed. Four of the first nerologists said my problem was anxiety but now this last one I think knows somethings wrong, he didn't really say much just usually people in our situation have family help. He is waiting to get all my files to see what tests I need. My family doc sees the wasting so I'm sure it's in my file. So to make a long story relatively short my policy states that if a death occurs in the first two years and there is a misrepresentation of health information it will not pay but after the two years even if they discover misreprsentation they still have to pay. So my questions are if I was to say I was in perfect health do they still check my file, or could I just give them the name of the doctor I used to see before all of this started then my file will show nothing. Because from what I see as long as live two years with misrepresenting my condition they have to pay.