angelcm,
Back issues are always a problem, it is a hard one to prove and insurance companies are very very slow to pay on back issues. too many chancers claim bad backs so companies are cautious.
Have a very good look @ terms and conditions eg it is now very hard to claim for heart attack , since a lot of what we laymen know as heart attacks are (arythmia) or some other obscure things.
Skin Cancer is normally not covered because ,thankfully, most are cured.
Disablement seems to mean to insurer, losing a leg , yet nowadays surgeons can save most legs , yet in laymans terms you are disabled.
Might be a good time to review all insurances with a competent Broker.