even if u opt for another company coverage, you won't be covered since your agent has told you that even you upgraded your existing policy, it won't cover the recent surgery which you did . every insurance has to go through hospitals data, so I doubt you will be covered even you bought another companies product . best is upgrade yout existing policy

then when you want to claim you won't be able to claim
because upon signing policy you did not disclose it. don't cheat inorder get cheaper premium .