When these companies after three years they’ll reevaluate the situation that’s total BS that will stay on there permanently and then if you go to the hospital for a claim they say it was pre-existing or due to a pre-existing condition I’ve return out of London and the company always been very fair with me And when I needed any major operational hospital stay they were preapproved it and they paid the hospital directly I’ve never had a problem with them very careful with Insurance here read everything two times over before you sign it I’ll try to trick you TIT