If there is a medical loaded added I think that is super harsh.
I would have assumed *maybe* a cancer exclusion (for the particular cancer) with the option to review in x amount of time.
TPD again - I would assume an exclusion. Same with Trauma/Critical Illness.
So in summary - they are harsh.
If you want to call the company (I would suggest you do) then ask to speak to the underwriter who assessed it and ask them what the reasoning is. They should be able to explain it (the underwriters at work do it all the time).
If you do not understand or think it is unfair ask what is required to change the assessment (time? Dr report? Etc etc).