Hello. Thank you for the question. It is my pleasure to assist you with this today.
Please bear with me as I will be online and off-line from time to time and therefore, may be delayed
getting back to you.
There doesn’t need to be an exclusion in the policy but pre-existing conditions are not covered usually.
Sometimes, a pre-existing condition is deemed to have ended if it has been symptom-free, with no treatment, for a number of years and that number of years varies.
What the insurance company now seem to be saying is that the pain in the foot is linked to the pain in the shoulder and hence it’s pre-existing and that’s why they will not pay.
If they steadfastly refuse and you believe that they should pay up , in spite of what they say, make a formal complaint in writing and if that doesn’t work, make a complaint to the Financial Ombudsman service.
There is a process that you need to go through although you can phone them, you will need to put everything in writing
Thank you for letting me assist you with your legal question. I am glad that I was able to help.
I am not certain whether that answers the question for you or not, but I am happy to answer any specific points arising from this.
It will be my pleasure to help you again either further with this or any future questions you have