Hi,

Wonder any one can help me. I'm having a investment link life and medical plan with AIA that I bought more than 10 years ago.

Back then the medical plan has co insurance and lifetime limit.

I found out recently that the new medical
Plan do not have co insurance and life limit any more so I approach another agent from AIA asking whether I'm able to upgrade my existing medical plan.

However, I'm being told by this new agent that even if I upgrade the exciting plan, the medical plan will still follow the old coverage which still has lifetime limit and co insurance. The only way that I could get the new medical plan without co insurance and lifetim limit is to buy a new plan.

Anyone can advise me whether this is true ? I feel that I have been paying for the last 10 year plus and it's quite a waste just throwing it away and have to start again with cool off period and the need to declare my health status again.

Thanks