hi, you may seek advice from your servicing agent for upgrades. buying another medical insurance plan will only cost you more because it will surely cost at least 200ish. so you might as well upgrade the current one

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

^ Whether the condition will be Excluded will be very much dependent on the type of surgery being perform and the medical condition.

The best course of action is to try to upgrade and if you are offered with an Exclusion on that medical condition, you may choose not to take up the upgrade and get a new policy (from the same or different insurer) with the Exclusion imposed.

Hence if there are future claims that falls under the Exclusion of the above medical condition, it is able to be claim from the old policy.

Any claims that dont fall under that medical Exclusion is claimable under the new card.

Of course it will mean maintaining 2 medical cards and boils down to your budget.

Hi Baymax,

1)This very same question has been asked in the product launching, Healthcare services department has told us it's case-to-case-basis. Since this is new product, I have no experience to advise further but only sharing my knowledge.
2)Either it's within waiting period or insurance companies are suspecting it's a existing illness based on the doctor's report when applying GL.
Hi skyvampire,

I would advise you to upgrade with existing company because
1)If your existing company is denying you to buy a new card, you will most probably unable to buy a new card in another company. However, you can try to apply too after your existing company is denying you.
2)If your existing company is imposing exclusion in your new card, you will most probably have exclusion in another company as well. However, by then you can choose to hold 2 cards in the same company to reduce the effort when claim because you don't have to submit to two different companies.
3)If your existing company is giving you upgrade your medical card, you will have a new medical card and with only 1 month of conditional waiting period. Which means that you can use your medical card immediately without any hiccup in the middle.

Either of these 3 scenario, you are in a win-win situation.