Update on the C&MC
They don't do medical screening per se however if you tick one of the general medical boxes to say that you have had an incident on the last 12 months then they give you a ring to discuss. The lady then basically told me that they would not cover us for one of my wife's ailments as she had had an issue in the last 12 months. Interestingly they were not interested in her MS or asthma and would cover that!
I like to use long words that I really don't understand so it makes me look more photosynthesis!