Underwriter always exaggerate when come to health issue. Now Malaysia cancer rate are 1 in 12 and getting higher by time. They always more pre-caution then doctor, even a mild hypertension, high cholesterol, slightly overweight, high blood sugar, family medical history & etc, underwriter take it very seriously as potential illness in future.

My dad have mild diabetes, insurance company exclude any of the related illness. And we can't do a thing due to pre-existing illness.

I always afraid to heard my client said they have any pre-existing illness, even is common and mild. 100% underwriter will defer and require medical examination (although cost on Insurance company).

Medical Insurance is not like shopping, when we have money, we can buy as much as we want. We only can get it while we still strong and healthy, not the time we need it/diagnose with any illness which are too late.

Occupation class mostly just affect the COI (cost of insurance) only. Unless the job expose to high health risk, then underwriter may require exclusion/loading. Even police can get insurance.