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A Scottish father of two has finally won the right to receive the critical illness cover payout he deserves.

Despite suffering from a tumour on the stem of his brain, the 30-year-old was initially told by his life insurance provider that he would not receive any money from his critical illness cover policy because of complications relating to diagnosis.

Yet a definitive diagnosis was always going to prove impossible in the case of the spray paint shop foreman because the site of his tumour made biopsy unviable.

His wife explains, “The doctors initially thought it was an inner ear infection but a CT scan confirmed the worst. He had a growth on the stem of his brain which could not be operated on because it was too dangerous.”  

“To this day the surgeons don't know what the growth is because they can't take a biopsy because of its location.”  

She also explained the difficulties the family have faced since the dad’s illness and his subsequent surgery, seizures and emotional and physical difficulties, “It was horrific. When he came back from theatre he had a drain and staples in his scalp.”  

Adding, “There's a complete change in his personality. He used to be laid-back now he's angry and anxious.   

“This is particularly hard for the children as their dad is just not the same any more and they can't understand that. He has no short-term memory, gets tired all the time, can't sleep or see properly.”   

It was only after the man’s family decided to contact the consumer problems troubleshooter from the Sunday Mail that his insurers agreed to pay out.  

The life insurance company explained the reasons for their about-turn in deciding to accept the dad’s illness fell within the terms of their critical illness cover, "We declined the initial claim as it didn't come under the terms of his policy. But a later CT scan showed a small area of bleeding in his brain.  

“A review of the medical evidence was undertaken. As a result we are satisfied we can regard the illness as a stroke within the terms of the policy.”