New job offer with an ongoing medical insurance claim

[AlR26]

I'm after some advice / experience from anyone who might have been in a similar position before (or seen it).

I have been offered a new job at a new employer. The role is good and subject to agreeing a suitable package I would like to pursue it.

I have medical insurance provided as a benefit with my current employer (also offered with the new role but with a different provider, which doesn't cover previous conditions), with whom I have an ongoing claim. In short I had orthopaedic surgery earlier this year, the wounds are healed but the joint doesn't move well and is still fairly uncomfortable. I expect to need a fairly substantial amount of physio to get it back to normal and some follow up with the consultant etc. I can do my job (and the future role) at present without impairment, I should be able to drive again in the next week or two, but otherwise it is rather inconvenient and I can't pursue elements of my lifestyle that I would like to - sport etc.

The prospective employer knows all the above details.

How likely is it that they would be able to convince their medical insurance provider to cover this condition as a one off, pre-exisiting issue?
If not, how likely is it that they might be convinced to cover costs for the rehabilitation (potentially with a cap) as part of the agreed package? The costs are likely to sub 5% of my gross salary.
Is my current medical insurer likely to be amenable to accepting a monthly (or similar) premium on my behalf to continue cover for the claim after I have switched employers until the everything works again? I plan to call them to discuss this.

Any experience appreciated!

[elanfan]

The present claim is just that - valid from the day you made it irrespective of whether you continue with the insurance.

The same with a car - damage it - make a claim - the claim process continues even if renewal comes up in between and you insure elsewhere.