I'm with the same insurer. They don't refuse you but exclude any event which can be caused by high cholesterol eg heartattack.
In my case it is a knee issue.
My husband recently received notice that his policy would not be renewed as he turned 80. They have changed the conditions. Policy was purchased because it was open ended. Never had a claim.
Hard to find a new insurer.
I've long since learnt not to supply info they do not request. Too much info creates the impression you want to cover up.
Well done & may yr wife enjoy her holiday.
6 months will be hard to find.
You can look serviced apartments which give you the flexibility you want. But it is a price issue.
Serviced you need to bring nothing but yr personal stuff. It's furnised, equipped, gets cleaned.
It doesn't say anywhere that she was going to fly on immediately. Not all airlines have agreements to check the bags through. She wld have to get the bag & re-check in i.e. pass immigration. How on earth do you rip a p.port page.
I once applied from Austria but took a flight from a German airport. No problem.
They could have insisted to fly from Austria (Vienna).
The rule had been for many years that you had to apply from your country of residence. May be this was the problem with Paris?
I don't know which hospital it is. The one on Soi 3 did video the procedure my husband had done ( just a hernia). If it is the same hospital, video evidence shld be available. I asume videos are done for a reason.