Just got my quotation for MRTA and the insurer excluded coverage to TPD arises from spine related diseases / injuries. I believe that was due to my slipped discs back in 2014 which has recovered in 2015.

I tried to negotiate but they mentioned that I went to clinic last year for backpain (due to back muscle pain) and requested me to go for another MRI at my own cost if I wish to appeal for the exclusion.

Just curious if I should spent RM1k++ for the MRI or suck it up for the exclusion