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@Velocio
I think Cliveo's argument is that the insurers don't care about your motives or actions, more whether or not you truthfully ticked the checkbox that asked if you knew of any risks.
I've not got health insurance, so I've no idea what that form looks like. I'm fairly sure the wording would have to be explicitly clear, and knowing that you may have some risk is not the same as having a condition.