But I would like to know why most, if not ALL Malaysian insurers will reject those with short term psychological history? No exceptions? I suspect I might have depression but I refuse to go and see a psychologist because I know having consulted any mental health professionals will get my medical card upgrade declined (which validates your point of some people will not reveal medical conditions to get covered for life insurance or medical plans).

However with the fact that at least 30% of the Malaysian population have some mental health issues, the increasing awareness of it and also as we become more developed - more and more people will become stressed (Japan, Korea, China and many advanced countries have high suicide rates), I am surprised insurers don't offer cover, at least to those who might have short term mental health issues (like needing some psychologist consultation to cope with grieving the loss of a loved one).