Dear Welcome to HCM We understand your concerns I went through your details. I suggest you not to worry much. From the given description, if the information is correct, I feel that your husband is avoiding you sexually. The reason could be his anxiety about sexual rrelationship. He is not interested in sex with you. But he finds satisfaction in masturbation. Means he enjoys and knows what is sex. But he avoids sex with you. He also diverting the embarassing situation with mention about your physical condition. This could happen due to some negtive information and knowledge. I suggest your husband needs psychological counseling. If you need more of my services in this regard, please post a direct question to me with every details. I am glad to serve the purpose. Hope this answers your query. Available for further clarifications. Good luck.