I have private health insurance as a family through my husbands work, we all have pre-existing conditions and none of those are covered or anything new arising from them for instance my son has autism and developed PTSD we tried to get private counselling through the insurance but they deemed it to have arisen because of his autism so refused approval. I don’t think paying for PMI is worth it if you aren’t fit as a biddy to begin with as they will always try and pin it to any pre existing conditions