Thanks Mark as always that was very helpful. As you say the phrasing of these questions is very important. Part of my problem at the moment I can converse relatively well but putting it into text ....

The reason for the question is that several years ago I took out critical illness (not health) insurance which if your unfortunate enough to get a severe illness and can't work will pay out a monthly sum to help you live on. My policy does cover TBI - only if it is a permanent condition.