OK on this pre-existing illness thing, I have a few questions.

1. If I have a slipped disc and I declared it at the time of proposal, it's still on going without much going on, how would my policy be underwritten?

2. So later during the coverage period I need medical attention, is this covered?

3. Say you have a different slipped disc later in life during coverage, this doesn't count as pre-existing illness yes? They are not the same disc!

Thanks mate!