Thanks for the info. Ya the letter got mention the additional premium - it's only RM55 extra per month but with the sustainability only up to 62 yo. I asked GE for the additional premium if I wanted the sustainability to go up to the original one (can't really recall the exact figures, but I guess it should be at least 70/80 yo?) but they informed that I need to agree with the upgrade first then only they will calculate for me   

So I'm still wondering if it's really worth to upgrade without the exact info on the extra premium   

I have old AIA policy which cover medical 100k annually.
There is option to top up by buying another policy with higher annual limit with 50k deductible.

The agent said I can use the first policy to cover the 150k deductible. Let say medical bill is 100k, 1st policy will cover 50k deductible and the second policy will cover the remaining 100k

The agent also confirmed that other medical insurance policy (company medical policy) can also cover the 50k deductible.

Can anyone confirm these?

Yes it is true, but it is not straightforward. E.g. you hospitalized, you claim from company medical first. The company medical limit is RM100k, exhuasted, then move to your individual policy. What if you get another separate illness/disease in the same year? Your company medical limit is exhausted, how about the deductible? For them to be able to stack, it must be for the SAME disease/illness. Also, the amount will be strictly on a pay and claim basis, can you stomach that? only one policy can be cashless, not both.