Policy application rejected due to PED
I applied for Max BUPA's Health recharge policy (cover of 95L, 5L deductible) to cover my spouse, children and me. However, the underwriting team has come up with a counter offer saying they will not provide cover for my husband owing to the PED we declared (history of kidney stones, back pain).
Is there any recourse available to us so that they can reconsider their decision? I have already asked them if they would be willing to cover my husband by permanently excluding these PED and/or would like to add loading to the premium quoted.