Quote Originally Posted by Oliver2 View Post

If our applications are rejected for this reason, I assume we will be able to find different insurance cover and resubmit. And, in general terms, l also assume, or at least hope, that an application that is rejected will include an explanation as to why.
Personally, I'd rather do it the right way from the beginning and remove all these assumptions.

Telling ones insurance company that IP and OP coverage must be clearly described for immigration purposes should suffice. If the Company can't and won't do that, then I'd question the coverage myself and find another company..