I think you are, as you say, overthinking this.
If you have had Covid-19 and you are cured, you have no pre-existing condition.
You have a former virus like all colds and flu, and to the best of my knowledge you do not have to declare them for insurance purposes.
The virus is no more!
It has ceased to be!
It's expired and gone to meet its maker!
It is bereft of life, it rests in peace!
THIS IS AN EX-CONDITION!!
(Thanks to Monty Python)
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