This is a heavily discussed subject among general public.

I like to use situational example in this:

Patient A went for a checkup after not feeling well and was confirmed by doctors that he contracted cancer stage 4. He had to be immediately admitted to hospital and get further checks and medication done. Its a surprise to him since he was never been diagnosed with it or know about it before. He also aware that he had signed for an insurance policy 3 months back and he would like to use it for the treatment purpose [some insurance type may also provide lump sump of money!]

Now what happen next?

Well in this case, it is likely that when he intend to use the insurance policy, the request is going to be suspended by the insurance company. Why?

The 'incontestability' refers to the assumption that you were 100% healthy at the time you signed up for the policy. Any major illness that you are diagnosed over later such as cancer commonly, if the stage of severity or size of the tumor is not relevant to the timeline i.e you have larger than 5 cm tumor within 3 months of enforced policy, the insurer reserve the right to suspend or even reject the usage of the insurance. Insurer will have a panel of doctors who review and confirm this.

Reason being is to avoid fraud while at the same time protect the insurer themselves as well as other subscribers. Its almost the same as the 120 days imposed if you newly sign up a policy.

For the 120 days. you basically could not use your medical card at all. Some may allow for pay and claim.

For the 2 years, you can use the card/policy as normal but at times depending on the illness, insurer have the right to suspend or deny the request. This heavily depend on their consideration.

Hence the term, take insurance as when you are young as possible. Some parents nowadays even equip their newborn with a policy.

Are your agent still active? Normally he will follow up within the 5th or 6th year of enforced policy. Reason being around those time, normally enhancement has been made to ensure the policy is relevant to the current trend. A medical procedure done 10 years back is very unlikely to retain the same cost for now.

Better get in touch with him to see if he can help with the upgrade. Normally it doesn't cost much. Clarify with him that it is an upgrade rather than contracting a new one. In case of your agent is no longer active, approach the insurer directly to ask for a re-assignment of an agent. They will be able to help much further.

Short answer, yes they do.

Your point contradicted what he asked earlier. In your statement "as the matter of fact he had known that he had that health problem upon checking with one of the doctors and choose not to disclose it", this points that he knew after consulted medical professional which had kept a record of this.

If this is the case where he had previously met a medical expert and had underwent analysis/confirmation, chances are the followup investigation might defer him from being given the insurance. Its common to know that insurer will still and always perform background investigation. Its a norm.

You can't mean to say that if he had no idea he was sick and pass the 2 years period without any issue, and suddenly he was diagnosed with critical illness, he will be devoid-ed from gaining the benefit of his policy?

I'm sure its the same for AIA as well. Care to share?