Add Comment Question: My Critical illness claim was denied. I have stage 3 liver cirrhosis. it's denied due to an exclusion in policy of misuse of alcohol. Is this discrimination of a disease? is it worth appealing or is this legal for a policy to have this? Answer: Critical illness claims are often denied by insurers unjustly. Exclusions in policies are meant to be interpreted very narrowly and we are often successful in challenging disability, critical illness and life insurance claim denials on the basis of exclusions. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.