HI All,
  I have a medical card+investment link with GE for 5-6yrs. It is the old one without co-insurance and co-charges. The ting is that is has overall limit of RM300k with annual limit of RM100k. I feel that it's not sufficient and wanna upgrade to higher. Anyone can advise? if i upgrade to higher, i will have new higher limit but then with co-insurance and co-charges. But i will start again with my waiting period. Also what happen if few months into the renewal, i make a claim, will they approve? Also what happen if the doctor claimed that the sickness exist before i sign the renewal, will they revert back to my old policy or terminate my policy? I dont want to take that risk. Another option is for me to get another medical card. Prefer additional RM100 (preferable no co-insurance or co-charges or with cap).