Has anyone had any success with critical illness insurance claims? ME is excluded in my policy but I took it out many years ago along with life insurance to cover a mortgage. As it was excluded so many years ago I was wondering if that was because it was then commonly thought of as a mental illness. Do insurance companies have to give reasons for an exclusion? If it is still excluded because of this classification I was wondering if there was any way of getting it changed. There is the clause of disability and proving you wont get better but I know this is extremely difficult and from what I have read nearly everyone gets put under surveillance - is that the case from anyone who has been through a claim?