Well, I have bought a health insurance FMU in which I agreed at the beginning of the policy to aviva request my full medical records and send a copy to me (which they never did) they sent me my underwriting exclusions just according to what I declared after several weeks without even checking my medical records, 5 months later I did a claim for a gastroenterologist and after almost 4 weeks they declined my claim because I had last year a pain in my rips and left side of my abdomen, whilst my current claim was about completely different symptoms and the only "similarity" was a pain in the upper abdomen and center no even in the same area as my left side pain last year they refused to cover claiming that is the same condition when I didn't even get any diagnosed from the GP by the NHS last year when I had that rib pain, so basically if you ever had even a pill for your stomach in your records it doesn't matter what your symptoms are when you do the claim they'll find a way not to cover, so in that case if I had pancreatitis same area of pain in the abdomen they won't cover because I had a rib pain last year for which I didn't get treatment or diagnosed but yes for them obviously is linked. Why do they offer a FMU if they won't check the medical records and state from the beginning what they are not covering instead they choose to make me waste my time and be as neglected or worst than the NHS with waiting times and resources. I cancelled my policy obviously and I wouldn't recommend aviva to anyone at all. Try with another insurance and make sure they do check your medical records from the beginning.