Help.. private healthcare and pre existing condition

[Charliechoco]

I'm currently deciding between getting private health insurance with my company through BUPA or going with my partner's company and using their health insurance with Axa.

Last week I spoke to a doctor about a swallowing issue (excessive swallowing that could be globas or acid reflux). I asked for a letter of recommendation to see a ENT specialist. However, I realised my private healthcare was not set up before asking for the referral from my doctor.

I am setting private health insurance up this week but now concerned it will not cover a ENT appointment as I already have a letter from my GP.

My actual intent for seeing an ENT specialist was not for the swallowing but to have my throat assessed for cancer, which I am worried it might be.

Is there any way around this or have I blown my chance of having this funded?

As it will now be classed as pre-existing I don’t think either will fund it.

Probably not. But it will cover anything else

It’s pre-existing. You can’t lie.

Have you checked that neither policy covers pre-existing?