i currently have AIA investment linked policy which was bought 6 - 7 years ago. I'm currently reevaluating the policy especially the medical plan coverage and found out that the coverage in the plan is not good enough now. I'm looking at alternative new policy from Allianz PowerLink now and wondering what i should do. Basically, I have a few options below:

A) Upgrade the medical plan in current policy to higher coverage - but the upgrade might be still subject to limitations that exist in the T & C specified in the policy 7 years ago.

B) Scrap the medical plan in the investment link and buy stand alone medical card - disadvantage: potential have to spend more $ per year for insurance and moreover, i have hypertension now, i.e. new medical card will be more expensive

C) terminate AIA policy and buy new Allianz PowerLink - disadvantage: losses $ to terminate insurance policy.

What is a good option to choose from? appreciate comments and critics.

A) Consult your agent about the upgrade and also how much you need to top up in order to get the protection you needed. Currently AIA having this ECP + MCP which improve the outpatient limit and also have unlimited lifetime limit. Then compare this with the other option.

B) If you currently having hypertension now, there might be loading/exclusion when you apply for a new one/upgrade.
    Just take note on the following:
    - Do not terminate your existing medical card before your new medical card complete its waiting period(include specific illness waiting period).
    - Understand the pros and cons of standalone medical card compare to medical card attach as rider.

C) Not advisable. Your insurance policy already 6-7years, which the premium allocation is now 100%. Buying a new ILP will restart the premium allocation again which is not good for you.

if i upgrade to this new AIA ECP + MCP package, will i be subjected to medical checks since i have hypertension now (as compared to no such illness when i first bought the policy)? any AIA agent care to explain?

agree with what he said.  Better be honest and don't give up policy.

Yup.loading might have since you have your health condition. i agree with what c.o.ol. said on medical card upgrade.
Please prepare extra  budget if you wish to buy a standalone medical card as standalone medical card cost increase by age.

any decision make on surrender or upgrade, please consult your agent for further advice.

I'm not an insurance agent, but this is what I know as a fact :

Doesn't matter your medical plan is standalone or ILP, medical card cost/charges do INCREASE based on insurance co's band!  Only difference in ILP is you won't notice the increase unless you read your yearly policy statement.

From what I know, medical insurance will ask for "have you been diagnosed with any illness, treatment, claim history in the past 5 years".

If you said no, then you are committing a fraud as the insurance company can find your medical history record and can deny your claim later.

It is better to be honest upfront.