Cc are very good as regards the application and if you have a condition that they define then they will refer you to the medical screening line. These either accept the condition at no charge, or with a charge or will exclude cover for that condition. Also if we travel without the van we use LV and they have recently coverd pre existing conditions for my daugher and grand daughter for Turkey for a small extra cost. The Telegraph website travel section has links to insurers that cover the more serious conditions and I think one of them is the link described in the earlier post.