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Id suggest you go 12 months without seeing a doctor about your chronic issue. Once youve done that you should be able to get covered for it as there wont be a recent history of it on your medical file
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Um... what is your source for this?
The Medical Information Bureau keeps records for seven years after you apply for individual health or life insurance (plus, I believe if you reapply, that restarts the timeline).
http://www.mib.com/html/mib_faqs.html
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Not only that but all insurance application forms usually ask about the last 5 years, and if you're caught lying, DENIED!!
T