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> And don't even get me started on "pre-existing conditions". What that means for me is constantly lying to doctors

I don't know if it's a good idea. I have a related anecdote: My mother forgot (or omitted) to mention a pre-existing condition when she contracted a mortgage insurance. She died a few years later from causes totally unrelated to the pre-existing condition. Somehow, the insurance company found out and legally canceled the insurance.

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Sorry for your loss.

I don't really know how all that works but just curious - is it documented / can they prove that the pre-existing condition wasn't mentioned at that time? Sounds pretty convenient for the insurance company to purposely "forget" something like this and then abuse that information when the time comes since, unfortunately, the person who could argue it is no longer alive.

In that case, it was pretty clear. She had to answer a questionary so yes it was documented. And the contract stipulated very clearly that in case of mistake or omission the contract would be void. I can't really blame the insurance company even though it seemed unfair at the time.

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