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Lots of people will have medical conditions they’re as yet unaware of; the only way to discover everything would be for insurers to insist everyone have exhaustive health checks before they’ll cover them, but that’s not really realistic.
The main takeaway from this is how important it is to ensure that your policy covers what you need it to. Otherwise you risk ending up in the same position as someone who’s had a botched boob job in Turkey and has to resort to crowd funding to pay the bill and get home, and then expects the NHS to sort out the rest!
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