As an incentive to join Aviva, the waiting period of 6 months was waived for my husband. He then went to his local GP with a verucca a week later (he didn't know it was a verucca). The treatment was carried out successfully at the GP's and all was well. Aviva is now refusing to pay up as they claim a verucca is a pre-existing condition and it makes no difference as to whether it was diagnosed before he joined or not. It is not an expensive bill and we can pay for it. What bothers me is that if this had been a serious diagnosis, cancer say, he would not have been covered. Is it worth bringing a complaint to the Financial Services Ombudsman about this matter? Any advice appreciated.