Better to do any surgery overseas so that local insurance company don't know your medical history. When register in clinic, don't give IC. Write your name, but not in full and write the IC number with a few numbers wrong. This way insurance cannot trace you.

Definitely do not encourage fraudulent or illegal activities.

But there are many genuine people who are disadvantaged by this laws and SOPs.

There was a case where a lady who got Cancer and got her claims declined just because she did not report her "anxiety" and "low back pain/back muscle sprain" history.

She had already paid her insurance premium for so many years and the insurance company did not mentioned anything.

If want to decline a policy, why not decline when she first buy the policy? If can do background check when got claims, why cannot check at the point of buying policy?

Then when she had cancer diagnosis, then only her claims got declined because she was not honest hence breaks the contract.

In the first place, why is the insurance company take the medical premiums in the first place, for so many years, giving her false impression that she is covered.

Is this legal then? if legal, is it morally ethical on the insurance company part?

What "pre-existing" condition is required to report? Mild, moderate or severe? This instruction is very vague.

Anxiety and low back pain is as common as a common cold/flu. So having history of common cold/lausai/sore throat also need to report?

Feels like insurance company just finding fault to deny claim...?