Your AIA plan is outdated bro.

Early Stages CI is now in 3 stages of 30%, 60%, 100%.

Medical Now for Plan 150:
Room board 150 (you pay the extra if upgrade with no penalty)
No lifetime limit
Annual limit 100K, if no claim for 2 years increase 5% upto max 200K
No co insurance
'Outpatient' Chemo & Dialysis Lifetime 250K

PM me if you require more details info