About 7 years ago, I noticed that there is one small gland near my left cheek. I scared there is anything dangerous. Then I went to general hospital to consult ear nose throat (ENT) specialist. After checking the fluids from the gland and done CT scan, the doctor said it is nothing, she said it it optional for me to remove it, she said it is some sort of extra fluids over there which is not harmful to me. Now the gland is still there, and I feel nothing with it. Until recently I am planning to buy a medical insurance from GE, after the investigation from the underwriter, they can offer me the insurance but they have to put that as an exclusion. I am not sure whether they have obtained the medical report from the previous hospital. The agent said they will appeal to see whether can ask me to go for a medical check up for the gland, if seems ok, then they can include that in the coverage. But underwriter didn't allow the request. So what should I do? Do I have to accept the insurance with exclusion? Or can I try to buy the insurace from another company such as prudential, to see whether they can accept it together with the gland which seems like nothing to me? I hope you guys can give me a proper opinion and suggestion as this will be my first insurance and I do not want to screw it up Thanks.