How do I say I don't want a medical procedure?

[BarrelOfOtters]

I've been referred for a biopsy. It's gynae issues. The consultant didn't seem that convinced I needed it and also said I could have it in about 12 months instead. The appointment has come through for October just before we go on a big long haul holiday.

I don't want to wait for results in case that affects insurance.

Can I say I don't want it, come off the list and go back on again when we get back?

The consultant (who I've only seen once and was a locum who probably isn't even there any more?) - the clinic doing the biopsy??

Why can’t you reschedule after your holiday? But you’ll still need to declare it , as you are waiting for a hospital investigation, I’d assume. Even if you came off the list, it’ll be on your GP records that you refused investigation, which would also affect insurance.

I am sorry but I think it will already have affected your insurance. You are supposed to declare that you are awaiting investigation.

Ask them to reschedule. It'll be next year now anyway.

I turned down an op and then next appointment after trying some drugs instead was told the consultant had decided I didn't need the op. Which meant if I'd have agreed they would have either wasted their time or cancelled nearer the time.
They have a huge list of operations that have poor outcomes that they're supposed to be stopping doing. That's different from biopsy though perhaps.

I agree with others, I don't think refusing the appointment will eliminate the insurance risk.

However, check the details of the insurance - if you already have it you could well find that you are covered unless a doctor has confirmed that it is medically unsafe for you to travel (which clearly won't be the case here). I am sure that's what my annual policy states.

Yes, I don't think having or not having the surgery will be the thing that affects insurance. I know I was (for a few months) unable to be on our mortgage insurance, because I was having gynaecological investigations. I had three surgeries, it was fixed, now I'm insured.

You are under medical treatment under a consultant for a physical issue -- that's the crux.

You could try calling every couple of weeks for a cancellation slot before your holiday.

Many insurers will agree to give you cover, just not for the particular thing you're waiting for results for...