Bupa Global Health finally got back to confirm that yes... if you've been diagnosed for gender dysphoria or incongruence, then this is a pre-existing condition and any request (medical, surgical, etc) would be excluded on that basis.

I knew this... it's just stupid.

It's a bit "your existence is your problem", and well... I already know that, but what I keep being vocal about is that the mere existence of someone shouldn't be grounds for excluding them for receiving care.

The system is operating as designed... I am angry with the design of the system.