I saw a presentation on travel insurance pricing (I'm an actuary) about a year ago. One of the big items that contributes to the claim cost is medical evacuation. The actuary making the presentation spoke of a client who took ill on the side of a mountain (I guess he was mountaineering) and they had to somehow pull him out of there and medivac him back to the USA. I'm not sure, but I think the pre-existing clause was 6 months; i.e. you've been treated for the condition in the past 6 months.

I didn't ask him what the commission was. A lot of times with products like this, the commission to the seller is 25=50%. That's a common range, for example, for extended warranties.