My mother 64 years old have a tokio marine medical card which we renew annually. Last year however, she was admitted into hospital for colonoscopy - doctor worry there may be something. We claimed the medical card because well that's the use of medical card, right?

Anyway this year during renewal of policy, they slap us with a 20% coinsurance with no cap!!!!!!!!!! Who have similar experience? Is there anything I can do from my end?

Hmm what do u mean by term insurance? I mean yes I can google. I just want to double check how does it differ from say GE? Term life - means annual renewal and during renewal they can do whatever shit they want?

This post has been edited by chrisderick88: Sep 26 2018, 10:56 AM

Hi all, okay, I've contacted the customer service.
I think it's written in the small terms and condition. They asked me to write an appeal letter. Honestly though 20% coinsurance with no cap is way too high. I though these legacy plans where they "discriminate" against those claimed before are long gone. I guess wrong. Anyway, thanks all!