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About pj123

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  1. Why don't you apply for an insurance with moritorium cover. You don't need to give any medical details. The insurance will not cover pre existing conditions. I use a Luxembourg based company Globality who offer expat health insurance with moritorium. Note that their OPD cover is very expensive so I only have their in patient cover. They will cover pre existing conditions after two years so long as you have received no treatment or had any consultations for that condition.
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