If you have a pre-existing heath condition, the first thing we do speak to our panel of underwriters anonymously.Discussing your medical history helps us to identify the most suitable insurer for your medical condition.Bu doing so, you avoid applying to companies that will end up being too expensive or, worse, refuse your application.By completing our research thoroughly, we can save time and obtain the best possible terms for you with the least hassle.The most important factors the underwriters need at this preliminary stage are:AgeHeight & WeightSmoker StatusApnea-Hypopnea Index (AHI). The AHI is the number of times you have apnea or hypopnea during one night, divided by the hours of sleep.If an insurer believes they can offer cover,  it will write to your GP for a medical report that should have your latest sleep test (polysomnography).Your GP will also comment on whether you have followed their recommended treatment.