They ask, you answer. They didnt ask you cant answer.

But if you young and healthy i suggest you dont buy plans without underwritinf.

if your medical history not very serious, i will still recommend go for normal plans. just need to do medical check up only.

i know about 1.1(b) being your concern, but in theory it should not affect you. because they dont underwrite you, so it does not "affect" their decision in accepting you.

but your point is legit, it's just rarely i have seen ppl actually do read the application form. so kudos to you.

erm... you dont need to paint it so black. your example abit too "melampau".

insurance companies dont cover you less just because it's pay and claim basis. this is the mindset of the general public but no basis.

if someone has nothing to hide, insurance company dont cheat you. the purpose of RCC is just to avoid exorbitant charges. so you should question the hospital if they charge you RM200 for 10 biji panadol right? this is what insurance companies want to avoid.

and no, it's not gimmick even if it's pay and claim. the word reimbursement is written all over your insurance contract.

the earlier forms of medical insurance is probably without medical card and pay and claim basis or the more canggih word, reimbursement.