I disclosed muscular back pain because I have been to the GP and was referred to an NHS chiropractor. No treatment was ever given it was just a consultation because they contacted me 6 months after I went to the GP by which time I had paid for various deep tissue treatments and improved the problem.
As a result the premium has increased to £30pcm and now excludes any back related claims in the next 25 years
I queried if I were in a car accident or whatever and injured/broke my back and they have said I wouldn’t be covered despite this being completely unrelated.
To be clear I have never had surgery, a day off work or any diagnosis. But I have had this problem since I was 15, it is muscular and a GP would disclose a visit and referral in the last 5 years which is why I declared it.
Does the exclusion seem extreme or the norm?