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Only your insurer can answer that. Irrespective of what they say, I believe you should be asking then if they will remove the exclusion once your wife has a clean bill of health (may require a waiting period). Or, if they wont, look for better (fuller) cover at that time.

In defence of insurance companies you need to understand this... Unlike most everything else you buy - where the person who sold it to you is guaranteed a profit at the time of sale (unless, for whatever reason they've sold it at a loss) - insurance companies are not guaranteed a profit...