not sure if anyone can help me...I am shaking with upset. I got a letter this morning from my life assurance company refusing my claim, following diagnosis with ms. The reason they have refused it was because on the original claim form I said no to the questions "have you ever had any problem with your eyes or vision" and "have you any physical defect or are you subject to any ailment or condition not already described". A few months before saying no to these questions I had visited the doctor cos I had mild loss of sensation in my legs. According to my medical records I also complained of "lazy vision" though I have no memory of this. The doctor told me it was "NOTHING" and it went away. I forgot about it. I never even thought about it. So I ticked "no" to those two questions (in good faith) and now they are refusing to pay out. I have to wait til Monday to find out how to appeal. But I'm going to. So my qs are - how do I go about getting my medical records - is there some ludicrous bureaucratic pocedure that needs giong through? If there is a difference between the patient's perception of what happened during a gp consultation, and what the gp wrote on your notes, how is this dealt with when it comes to things like insurance claims? And thirdly how relevant is the "utmost good faith" thing. The letter claims this is a legal concept ndthe basis of all claims - well I did act in "utmost good faith" - could this work in my favour?