I was refused on the grounds of a minor abnormality in my smear test. I approached the bank about the afore mentioned waiver, i didnt tell them the reason for my declination and they refused to waiver as i didnt have a suitable guarantor. I dont think it is as easy to get the waiver, the bank will do everything in order to avoid this.
In the meantime I approached a private consultant to rectify the abnormal smear however he downright refused saying that it wasnt worth treating, it was so insignificant it meant nothing.
So I rang the insurance company back and amnaged to get thru to an underwriter. I informed her of the situation and she said oh dont worry an abnormal smear is very common blah blah and does not constitute grounds for refusal. I questioned why i was previously turned down and she told me ah that would have been a junior underwiter who turned you down he prob doesnt even know what a smear is!!!! She processed my application there and then.
So maybe it might be worth a letter to the Chief Medical Officer of the company.