Rethinking Explainable Disease Prediction: Synergizing Accuracy and Reliability via Reflective Cognitive Architecture

In clinical decision-making, predictive models face a persistent trade-off: accurate models are often opaque"black boxes,"while interpretable methods frequently lack predictive precision or statistical grounding. In this paper, we challenge this dichotomy, positing that high predictive accuracy and high-quality descriptive explanations are not competing goals but synergistic outcomes of a deep, first-hand understanding of data. We propose the Reflective Cognitive Architecture (RCA), a novel framework designed to enable Large Language Models (LLMs) to learn directly from tabular data through experience and reflection. RCA integrates two core mechanisms: an iterative rules optimization process that refines logical argumentation by learning from prediction errors, and a distribution-aware rules check that grounds this logic in global statistical evidence to ensure robustness. We evaluated RCA against over 20 baselines - ranging from traditional machine learning to advanced reasoning LLMs and agents - across diverse medical datasets, including a proprietary real-world Catheter-Related Thrombosis (CRT) cohort. Crucially, to demonstrate real-world scalability, we extended our evaluation to two large-scale datasets. The results confirm that RCA achieves state-of-the-art predictive performance and superior robustness to data noise while simultaneously generating clear, logical, and evidence-based explanatory statements, maintaining its efficacy even at scale. The code is available at https://github.com/ssssszj/RCA.