I have several questions about purchasing my own individual policy to cover WLS

I am researching purchasing an individual policy for coverage of WLS. After reviewing the coverages with one insurance company the medical limitations and exclusion part says that, " the policy does not provide benefits for : Treatment of obesity, unless qualified as morbid obese (clinically severe obesity)." My question is I am morbidly obese, but I am not sure I am severly obese with a 41 bmi. Does not being "clinically severely obese" disqualify me? Secondly, The pre-exisiting condition clause states: if a covered person has a disease, illness, or condition which was treated by a provider within 24 months prior to the effective date, such condition would be subject to the "pre-existing condition exclusion" section that is decribed below. The pre-existing condition exclusion will not exceed 12 months from the date benefits for a covered person take effect. A diagnosis is not required for a condition to be a pre-existing condition. Pre-exisitng condition exclusions:We will not pay benefits for services rendered for pre-exisitng conditions, unless those condition were fully disclosed on the allpication for this policy and benefits relating to those conditions are not specifically excluded. Any conditions not disclosed on the application may result in rescission or modification of benefits. I have asthma as a pre-existing condition. When they ask for a copy of my medical records their wont be any mention of a treatment for obesity. Although my weight would surely indicate that I am obese.I do not fully understand the pre-existing condition section. Do you think I can or can not get this policy and why?

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