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?

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.