I think best you open up the policy document and check. But i can give you some general rule of thumb.

Assuming yours is an investment linked plan, you can generally withdraw money but subject to a minimum balance (example, 1k or 5k or 10k) and generally no withdrawal fee. I do know some companies have withdrawal fee but i dont think prudential is one of them.

I think you misunderstood the communications sent out by GE. Now dont get me wrong i dont work for GE. So i am guessing is, due to your lower premium or lower account value, if you continue to pay what you are paying now, your coverage expected to sustain unt age 66.

If GE offers you to upgrade, check for 2 things,
1) does your coverage remains the same, ie no health assessment
2) does your new medical plan come with higher annual limit AND more choices of deductible?

If yes to both, just go for it.

I want to correct this part again. And correct this misconception

If you buy a medical insurance, your waiting period is 30 days or 120 days. 30 days for most illnesses, 120 days for the specific illnesses and all these information are written in the contract.

The 2 years thing is usually what the insurance company calls as incontestability period which often gets misunderstood. And this applies to major claims like death claim for example. I forgot the exact clause in the contract, dont have a sample with me right now.

For medical claim, even AFTER 2 years, if insurance company can find the evidence of fraud, they can still invoke any action as stipulated in the contract.

And there is no such thing as no GL being issued within 1st 2 years. All these depends on the customer and health condition, etc... if customer buy, and 5 months later say kena cancer, a cancer that usually takes long time to develop. Insurance company will find it suspicious, of course starts to question.

Dont need to be sceptical. What you can or cannot do, is all written in the contract. If dont want to speak to agent, can contact prudential directly.

As somebody suggested, check your aia medical card is an ILP or standalone. If ILP, can ask if can change within the policy.

Sadly this is usually the case. Sometimes, could be agent not trained well, that it could be done. Sometimes, could be motivated by sales from new policy, could be insurance company not able to support.

I saw my colleague's offer because she asked for my advice. If you are eligible, you will receive a letter that should tell you how much additional premium you will need to pay.

Just go for the basic medical plan that they offer you to upgrade, don't need the add on version.

If your current medical plan limit is low, suggest you to take the upgrade. Btw, this GE medical plan comes with a few deductible option.

What I told my colleague, and what I will tell you is, take the offer first. Change to a higher deductible amount, later like 2500. The additional premium could be lesser if you go for higher deductible. I assume you can fork out 2500 from your savings when you need to masuk hospital. If you can't, I suggest you work on your basic personal finance issues first.

yes, that's the idea of deductible. it's written in the contract. as long as there's something covering the deductible

you can pay it from your own pocket or another insurance policy paying it (which can be company policy also). in a nutshell, that's what deductible means.

in real life, you probably can't get this comparison because actual company might have different experience and have different pricing eventually

in theory
Plan A covers 100k
Plan B covers 900k, with 100k deductible
Plan C covers 1mil

Plan A+B = Plan C

your example is still not apple to apple comparison. so can't answer. but remember, theory saja. even with logitech produce a mouse compared to Company MUM produce same exact mouse, logitech can nego harder, lower expense per unit because they produce alot, and quality better, less rosak, overall cost lower, etc. the same can be said for insurance company.