Just take it. Up to age 80.

You're basically doing a top up on your policy to ensure your policy is able to sustain until 80 years old with that additional funding

Which may or may not depending on the fund performance return as well as increasing cost of insurance in the near future.

There is no difference besides the cost for age 70 and 80.

reply above!

It's a steal. Go for it.

The extra of RM 30 is to cover the higher medical card cost for 71-80 years old
I will advise you to cover up to age 80.this is because the life expectancy for male is 75 and female is 78.furthermore if you choose until 70 years old.later when you are 70 years ols,you are not able to extend again to 80 years old.

HI There,

yours plan may be is Pru Flexi Med.

1. it is advisable to upgrade to unlimited annual limit and lifetime limit which are 1 mil, 1.5 mil, and 2 mil  subjected to your health condition is good.

2. Second option, you can add a 2nd medical card with 20,000 deductible while remain the same Pru Flexi Med.

There are some difference and no difference between 70 yrs old and 80 yrs old.
1. the similiarity is : both medical insurance charges at the age of 70 and 80 is same.
2. the difference : the premium for 80 years old might be a few ringgit higher compare with 70 yrs. so, it gathers more saving. 
however, both of these two points on above I advice to opt for 80 yrs old because the cash value at 80yrs old is much more higher than 70 yrs old. hence, it will extend the medical card period until age 80 yrs old.
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Not to say better or not.

But the fact is that between 60-80, that's when people usually retire and discover all sorts of conditions that require medical attention.

So I am encouraging you to take up the longest possible you can get.

That being said, yes, there are plans that covers up to age 100 in the market now.
However, it will cost you quite a bit to take it up as a new application.
If cost is a factor, then just take up to age 80.

Since it's a non-disclosure and there is evidence that you've been hospitalize for the same treatment, then the insurance company have all rights to reject your claim on the ground of non-disclosure.

However, as for your child's policy, it won't be affected in anyways, however, if there is a waiver premium rider, it'll be affected if your operation is related to cause Death/TPD or 36 Critical Illness.

Chances are for your existing policy will be reviewed by the insurance company and may put exclusion on the operation related part. Or they may void the policy totally.

Which is why it's important for you to disclose all possible information before you apply for the insurance.

All the best.

If you don't mind my asking, what was the hospitalization all about 8 years ago? Please state the actual diagnosis if known.

I see. As the Doctor had mentioned, it may occur again. Even if it had been declared 8 years ago, there will be an Exclusion added to the policy, which means it is not claimable.

Of course if it is declared (resulting in an Exclusion), and the problem was resolved say after 2 years (or more, depending on the severity of the problem), one may apply to remove the Exclusion (subject to approval based on the evidence at hand).

If the removal of the Exclusion is done, then the insurer should respond to the claim.

Anyway, back to your case, the Deferred GL does not mean that the claim is rejected. It only means that further investigation may be required. Just wait for the result of the investigation before deciding what to do next.

as of now since the GL is rejected, just proceed what you can proceed with. only after treatment is done then only submit the claim manually and it will be subjected to company's investigation.

as for your kid's case, just ask agent to write in and declare.
get another insurance policy for medical or life? you can definitely get another insurance policy, must remember to ask agent to declare then it will be fine. then see what will be the conditional of acceptance for the new insurance policy.

for your existing policies, i think it is very difficult for us here to give you advise as we do not know the detail of your policies. best is to maintain them first.

This is a good case study. But based on Financial Act 2013 write up, on grounds that material facts was not presented at the time of inception, be it intentionally omitted, or unintentional, should not be contested after the duration of 2 years aka "non-contestability period" (see attachment, cited from pg 164 of Financial Services Act 2013 FSA2013) UNLESS insurer has proof that it was a material matter that should affect the insurer's decision in accepting the insurance proposal.

In layman term, if you already have the knowledge that you have certain medical conditions that might hinder the acceptance of your proposal by the insurance company; and; should you not disclose such information and the policy is in inforcement for a full 2 years or more, the insurance company must pay the claim proceedings (aka non contestability period, this period is shorten to 1 year for Great Eastern, and is called indisputability period). However, if such omission forms a part of material matter and that the insurance company is able to provide such evidence that could affect the decision in the acceptance of the life to be assured in the first place (for this instance, more than 8 years back), the insurance company reserves the right to reject any claims and terminate such policy.

For unrelated conditions, it is matter to debate. For instance, you have had hearing loss and you did not disclose such material fact, but you suffered a TPD caused by a road accident yesterday, there are grounds for you to debate should you wanted to claim for TPD. but the common protocol from the insurance company is your policy would be terminated due to non disclosure. You may appeal your case after that.

Given your scenario, you suffered from the same illness that you (or you agent) omitted to disclose in your proposal 8 years back, in my professional opinion, it is a little hard to fight with the insurance company. But as pointed out by GunMetalX, there is no harm in trying to appeal on the case on the grounds that your agent failed to disclose such material fact. Please get your evidence ready such as your conversations with your agent, communication emails etc. When you receive your policy, it is your duty to check the contents in the policy to make sure it is the same as per what you have declared and take necessary actions such as freelook or amendments should the disclosure is not align with what you declared to your agent.

Good Luck