Subsequently on the same year, another hospitalization incurred 20k, it's covered under B as the earlier 120k is already fulfilled......
does it mean this 120k deductible under B is applicable for 1x per year?

like example.
Jan hospitalized RM150k, claim 150k, the bill will be fully covered as Part B's 120k deductible is already taken from A's 120k.

May hospitalized RM20k, claim 20k, the bill will be fully covered as it's covered under B as the earlier 120k is already fulfilled by A's claim in Jan.

Oct hospitalized RM400k, claim 400k, the bill will be fully covered as Part B's 120k deductible is already taken from A's 120k in Jan.?

Yes. I do have it. I literally flipped them over and over again for at least one month before I came to my own conclusion. 
Well...I can come into understanding that agents do have their limitation.
And I don't think it's wise for them to tell me off by asking me to DIY, since we customer rarely understand how the system or management runs.
But that's what exactly agent exists for, right? To assist and direct us to the appropriate channel upon request.

As I mentioned previously, I particularly asked for the annexure/terms of some additional riders, which are added later and hence not available in the original policy booklet.
If they are obtaining from the customer service the same way I did, it doesn't add up on how I can get the complete doc (endorsement letter + annexure) within 3 working days, while agency spent 3 weeks just to send me the endorsement letter?
I mean, you are basically living off as an insurance agency, and you should have the relatively easier access to the information than any ordinary customer, no?

Down in my heart, I kinda grasped the situation: I'm just holding on a 16-years-old ILPs which has no intention to bring them any sales in but just some extra workloads. You get what I'm saying? 

I think I might have sounded a little harsh here. But it's nothing personal. Hope you can understand that I just want to vent out some frustrations...
Thank you for all the suggestions. 
Just for clarification, I attempted to ask the Prudential CS officer for help when my parent & I went together to service center to get our transfer of ownership done.
And she is the ONE that referred us back to our agent cuz she claimed it involved conflict of interest and hence, cannot be done.

I do have the physical copy of policy booklet and I can read all the info that I need.

It's just those additional riders being added later, e.g. Pru Med Enhancer, PruMajor Med Plus (medical related riders for Prudential) are not within my finger tips.
And I don't mean to be offensive here, but just a little rant about PruAccess portal:
(1) frequent server down causing failure to login
(2) add-on R&B, annual limit, lifetime life not UPDATED/REFLECTED to my actual coverage, in the online portal
e.g. Pru Med Enhancer supposed to R&B+50, AL+12.5k, AL+37.5k
(3) unable to check the breakdown of premiums payment in details
Excuse me for making this a tedious post. I really appreciate all the constructive feedbacks given in response to my concerns.
You guys are awesome! 

I am not familiar with the other companies, but Prudential ILP will transfer the ownership by default from the parent to the child insured right after your 25th birthday.
They will send out the notification & relevant forms to fill up when the time is ready. I assume that life insurance companies generally should be the same.
I'm not entirely sure about your circumstances, I have never heard of this "conditional assignment" either...?
Perhaps you can consult with the CS on this matter?

For my case, I never thought that I could attain the complete document thru the general inquiry. It was sort of like last resort to me.
Cuz back in my mind, insurance policy was all about personalization, and I assumed agent is the gateway to those information.

When I was lack of info on my old policy, and I realized my agent is not my ally to begin with (yes, sarcasm intended) I googled intensely using different keywords hoping to capture some old brochure/annexure in the internet. I managed to put together some scattered info from old brochure & discussion in forums, at least better than nothing.
Perhaps you could try it, too since you have limited access to the information.

Hi Ck

I am worried to bout my health at 60
But i guess am taking the risk
I hav a question tho to confirm
If i were to buy since i was 30 and the premium i pay at 60
VS
If i were to buy at 60 and pay premium at 60

Will there be a big difference in premium at 60?

does anyone have experience disputing insurance claim before?

i hit the wall with the insurance

now submitting to the OFS.wonder if you guys have any experience with OFS?