Some companies require a physical exam. Some do the question and answer thing extensive (mind numbing), then they will dig into your insurance history (amazing how much they can/will find out).
They will load you up on pre-existing conditions (unless you go in and are in good health and they can;t find anything), age when you get the policy is also an important factor.
Some of the prexisting factors have time limits. For example they will say will not cover you for any prostate issue for up to two years. But following that (if you provide the proper info.) they will begin coverage.
Either way.... it is easy to get fcuked.
I went with PC primarily to have something to "get into the door". Once the intial diagnoses is made and I am stabilized I figure I will have to battle out how it's all going to be paid for, or if I will have to go back to the U.S. use Medicare and battle with them over there.
It's a nightmare no matter how you break it down.