not an insurance knowledge guy responding here...

while waiting for this interesting question,
I googled and notice that, this "AIA card aplus health" is a medical insurance plan not a critical illness (CI) insurance plan.

COMPREHENSIVE MEDICAL PROTECTION
https://www.aia.com.my/content/dam/my/en/do...0(Compiled).pdf
https://www.aia.com.my/en/our-products/medi...lus-health.html

the difference .....
Medical Insurance Vs Critical Illness Insurance
https://www.aia.com.my/en/what-matters/fina...-insurance.html

thus, on this,....
"Lets say if I have an AIA card aplushealth, if for the second year I am diagnose with sickness A, upon third year renewal, can AIA exclude the sickness A that happen during the policy period?"

i think, it will still covers without any exemption, being not in the coverage scope of Aplus Health plan.....for that critical illness thing will be covered by CI insurance plan (if any purchased).

caveat emptor while waiting for the real sifus to corrects.....

from one of the link provided earlier....
(see attached image)
depending on the type of CI insurance you had ....
since they will pay out lump sum upon diagnose of one of the illness under coverage,

the policy i think will deem to be fulfilled/closed.

thus any new application will be subjected to their review ......
normal, loading, exclusion or not accepted.....

btw, if diagnose of an illness on 2 yr....i think they will look for sign of early symptom from the clinics/hospital around your house/workplace.....

if found, they may review the application to see if you did make any declaration or not......if no declaration during application...then   

Guys,

Lets say if I have an AIA card aplushealth, if for the second year I am diagnose with sickness A, upon third year renewal, can AIA exclude the sickness A that happen during the policy period?

Somehow the amendment by insurance company may be funny if they only cover ONE time then exclude the next year.

Alter the benefits and term of the plan, yes. If i recalled correctly, someone here (or other medical card related thread) posted the notification letter from the insurance company that the medical coverage term is extended and slight increase of annual limit/lifetime limit, thus increase of premium too.

I got new loading and exclusion on my NEW policies upon buying new one....
1 company excluded it, the other put in loading for it.....

none, put in loading or amend exclusion on my existing policies with them...

So far never encounter such matter. You're buying from a general insurance company?

it wont impose loading/exclusion on your existing plan just because you made a claim after that. unless that policy is lapsed and you want to reinstate back then is subject to underwriting again just like when you bought a new policy with pre-existing condition.

kind to elaborate more on this?
wondering why my agents from 2 companies did not know about that....

was only told that I could write to have the exclusion/loading waived after some yrs.....

Yes. You are right.

Best,
Jiansheng

last time I was enticed to buy an insurance policy that "promised" that I can stop paying premium after 10 yrs, for the money inside will self generate money to pay for the premium.....

after 10 yrs, I asked the company...they said the money inside is not able to sustain the premium payment, thus I need to continue to pay.....extra 20 yrs later I am still paying....

I guess, it is high time BNM have some control over this sustainability of premium payment products...

You are correct. You will be notified during your anniversary date on the sustainability of your ILP. Whether you choose to contribute more to your ILP or invest on your own is up to you personally I go for the later option.
Unfortunately, that's just purely sales talk. Nobody can guarantee the fund performance and also the COI, both affects the fund value the most (assuming you've not made any withdrawal during the entire period).

Best,
Jiansheng