My wife has a family history of cancer and she was recently tested and learned she is carrying the BRCA1 gene. Although she has always been very healthy, the BRCA1 gives you an extremely high chance of cancer and she may be looking at some elective surgery, like Angelina Jolie. We currently have VHI Company Plan Plus Level 1, but I recently had to change jobs and my new employer doesn't pay anything towards healthcare and our VHI policy runs out at the end of the year. The VHI charges are very high and I was considering downgrading, but I'm concerned about my wife's health. I understand we don't both need to have the same coverage and I may get her a better policy and get a lesser policy for myself, we are in our early 50's, but fortunately I am also very healthy. I'm worried that just having the gene could be considered a pre-existing condition and I'm not sure what problems she might have if we change from VHI to another provider like Laya. Since we've never been hospitalised in the past, I'm also not too sure about the different types of coverage. Any advice would be greatly appreciated.