sounds like your insurance company is starting to put you into the "exception" clauses. what plan did you signed up for?

i bought my so-called "insurance-investment" plan before i hit the age of 30 because the premium is generally lower and will not fluctuate as the premium paid is fixed for a tenure of 10 years. after 10 years then that's another issue.

Perhaps the plan you signed up for isn't the conventional type of medical plan - a different one that is exclusive only to the company?

I sort of know this because the medical plan that my friends, my parents-in-law and i have all are with fixed premium to be paid over a fixed tenure.

Have you called them up and checked what is actually going on?

I understand your predicament, actually no one in this world knows how all these insurance scheme works. I dare say not even the owners of the firm knows it, they just basically winged it and if there's ever a problem, they'll just pushed it back down to the sales - and about the sales, don't even get me started.

I purchased mine from an individual who convinced me that "he's different because he's all down to personal service and can always be contacted"; 2 years down the road, the last I heard he already migrated to Australia. Some "service".

If need be then perhaps you would want to drop by their HQ personally and get them to explain to you precisely what is going on and to also point out specifically which clause which states that they are entitled to revise the premium paid based on age. They cannot reject/ignore you else you can just lodge a complaint against their firm/agency.