Hi all,

I am 23 currently, non-smoker, work as software engineer. Right now I am subscribed to a policy from Prudential that my parents bought for me since I was a child:

PRUmy child MYR 50,000
Crisis Shield Benefit MYR 50,000
PRUflexi med
-250(room&board)
-no deductible
-50,000(annual limit)
-1,000,000(lifetime limit)
Enhanced PRUpayor Basic

Premium MYR 170/month


My agent is proposing me to surrender the old policy and change to a new one:
PRUWith You MYR 50,000
Crisis Guard MYR 50,000
Acci Guard Plus MYR 50,000
PRUMillion Med
-200(room&board)
-300 deductible
-1,380,000(annual limit)
-no lifetime limit
Payor Basic

Premium MYR 250/month


I am wondering if it is possible to upgrade the old policy to have similar coverage as the new proposed policy especially for the medical card, or do I really have to surrender the old one and subscribe to the new? Thank you