Do I want to be assessed for ADHD/ diagnosed with ADHD?

[cupofdecaf]

So I'm on the NHS waiting list to be assessed for ADHD.
I have recently tried to increase my life insurance and they won't whilst the assesment is pending. They say they'd have concerns about providing cover if I cancelled my referral because I was referred for a reason. If I am diagnosed apparently it'll mean my insurance costs will be much higher anyway but I will be able to get some cover.
I'm not sure if I'd want to take medication to be honest. I'd like to be able to focus more, be less distractible.
So I'm wondering if the best way out is to wait for the assesment and make sure I don't get diagnosed. Difficulty is if I did need the help later I've already been assessed.
let's be frank I know I've got ADHD, it's blindingly obvious apparently to those around me. Just not sure what an official diagnosis would add to my life other than label me as having a mental health issue.

If you are clear you don't want medication then I'm not sure I'd bother - there are a lot of self-help books and websites that might give you strategies to improve focus.

I'm not sure how you can be certain you definitely won't get diagnosed when you say your friends say it's obvious? Are you suggesting you would give a false impression of things to the assessing psychiatrist/psychologist? In this case I would suggest you cancel the appointment because there are literally thousands waiting for an NHS assessment and it's a waste of time if people aren't being open and honest to find a way to trick insurance companies. This just isn't what the NHS was set up for.

If I was bothered by significant ADHD I personally would want a diagnosis and the option of trying medication, because for many people it can make a difference to their functioning. But ultimately this is your decision as only you can know how badly you are affected.

(DOI - I am a psychiatrist who works for an NHS ADHD service. We have 2.5 days worth of "doctor time", which equates to 2-3 assessments a week max and there are over 2000 waiting to be seen. I also have bipolar disorder and am unable to have life insurance due to past suicide attempts, which I have made peace with - it's one less thing to pay each month!).