I would not think that a back exclusion would be a problem unless of course that was the reason that you were off work. I would think that a back problem is one of thousands of conditions that you could be off work for, the most common claim's received for these policies is mental health with cancer and back pain coming in a distant 2nd and 3rd respectively. Women for what ever reason have a much higher incident of claiming for mental health and cancer when compared to men while they have about the same claims levels for back pain. With regard to your back problem they would also exclude arthritis of the back.