critical illness cover

I was off work for 2 1/2 years waiting for and having heart surgery and that did not count either----------I wonder if this comes under the mis-sold category of insurance scams.
Apart from the fact I can't now get any private medical or death insurance I had already cancelled all mine as I considered them a rip-off

[Sir Trev]

My broker constantly referred to my "CI" policy as "lifestyle protector" when we changed mortgage a few years ago and updated this sort of thing. So if I lose a limb and have to give up the bike I will be kicking up a fuss (assuming it's an arm I've lost of course or I'd just fall over) if payment was refused. Memory is sketchy but I'm sure it covererd things from loss of fingers upwards but I cannot even remember which direct debit it is now... Wonder if it covers loss of memory?

dave has the critical illness cover but his also has a sickness cover included, yes we pay a heafty price per year for it £49.00 monthly or abouts but when he was off for a year with the knee injury it was a god send covered his full wages for the year. the rest of the policy is quite good too, glad we had a clued up adviser