amadan1000,
Welcome to AAM. According to the Health Insurance Authority, there is no upgrade waiting with Laya for any outpatient benefits. The 2 year
waiting relates to inpatient only. Scans + bloods etc would come under the outpatient heading so they would be covered, regardless of the
connection to a pre-existing illness.
Regarding undiscovered conditions, with a connection to an underlying pre-existing illness, you would need to check this type of query with
Laya as its a specific medical question. As with any impending/future treatment or surgery, its always advisable to confirm what level of hospital
cover applies according to your plan (public or private or hi-tech) or if there is a waiting time still to serve.
Note; the consultant submits a medical report to the health insurance provider, relating to the surgery/treatment performed giving relevant details
required as part of the claim. So if there is a connection with a pre-existing illness, it will come to light at that stage and may not be covered
if relevant waiting times are not fully served.
I have no experience of getting approval for surgery in another country, maybe other posters can enlighten.
Best of luck with everything.
Snowyb