Thats a helpful list Michelle
I think the pre existing condition thing depends on the condition. I know I had pre existing conditions excluded in the UK, and I wasn't given the choice of paying more.

And the conditions they choose are strange. I had my nose re set after it was broken, and I have had shoulder de compressions. When I signed up with Sanitas here (part of BUPA) they allowed the nose job , but declined anything to do in the future with the shoulder decompressions!!