@Danny ******

there may be some coverage on previous injuries etc looks like it depends on timing of everything. From Pacific Cross;

"A pre-existing condition means any medical condition (including conditions that are a consequence of the said condition), which presents signs or symptoms in a period of 5 years prior to the first policy effective date that would cause a reasonable person to seek diagnosis, care or treatment, or for which diagnosis, care or treatment was given before the policy effective date."

@Alan *********

no real point checking as nothing is clear yet unfortunately

@Alan *********

got any official documents supporting the tax laws you mentioned Alan?