No
&
No

There are no specific time frame I heard some after 20 years still encountered claim declined.

Any claim raised within 2 years of policy inforced, company will have a very detailed investigation compare those after 2 years but again don't try to hide any information and breach the non disclosure.

I have one customer has forgotten about a Brain MRI he did 5 years ago and policy has been inforced for 3 years. So I have to resubmit this non disclosure information in and let the policy re-underwrite. Although with lots of hassle by running in out hospital to get doctor report and finally the same policy was imposed exclusion. So at least death happen claim still payout. Peace of mind ah.. 

Yes, only when you start a new policy.

If u are talking about GE riders from SMX to SMM from ur existing SPE2 is a conversion. You call in to this claim department 1300130088 to enquiry more.

My colleague has encountered this claim situation b4. After upgrading for 4 months in the same policy, kena cancer. GL rejected and required to do reimbursement on the old card SMX. So what the agent said not all wrong but there is a risk to bear. actually SMX is good enough with 1mil annual limit. Why not maintain it? Unless u wish to go for 3mil annually?

Then why not add in SE so ur annual limit 1.32mil. Yes fall back to old card due to waiting period. No didn't hold 2 cards, covert the SMX to SMM in the existing SPE2 like what u are doing now. Some how still have this waiting period involved especially for chronic illness like cancer, kidney failure which take longer time to develop and not happen in these 4 months. Which u would like to take note on.

Call the number I have given you just now, they can explain better. Cross finger these 4 months u r healthy so ur conversion is successful. To be frank holding 2 cards not economically la if u r healthy now.

Because you'll be subjected to the same waiting period of 120 days for the new upgrade. If any claim arises during the waiting period, it will fall back to your previous old plan benefits.
you'll be subjected to the same waiting period of 120 days for the new upgrade. If any claim arises during the waiting period, it will fall back to your previous old plan benefits.

Just declare accordingly and provide any reports to show if required.