Silly,

I am sorry to hear that.

Generally there are 3 important points to remember when we buy medical card (my insurance agent taught me that):-

1. The coverage MUST NOT be itemised
2. It must be guaranteed renewable
3. It mustn't require payment up front when you check into the hospital like your case

You may want to check with your policy against the above 3 points, especially on point 3. Your policy might require you to pay and claim later.

Take care...

You can upgrade your medical card but it will fall under the new plan and will subject to new health declaration. As the older plans are no longer available. Newer plans might cost slightly higher due to better benefits and also your increased age factor.

ic, meaning i can upgrade the medical card falls under the existi g investment plan or its totally new one. Tq

It will still be under the existing investment plan or a totally new plan if you choose to sign up a new plan entirely

Depending on how the agent advise you.

Tq, i would prefer to keep and upgrade the old package than entirely buying new one which is expensive....

Most likely you'll have to top up on your monthly premium. Get your agent to do so.

Bro she said cannot top up as the old package was discontinued. just to check if the info is correct..thanks

To answer your question: No, that is not true.

Yes, the old products are being discontinued. AIA's rebranding exercise after acquiring ING began in 2013. A completely new line of products were launched and the old ones being discontinued (but if you hold the old policy, it is still in force and you still enjoy all the benefits spelled out in your policy contract. You just can't buy old products anymore).

If your existing plan is an investment-linked plan (beginning with the letter "U" followed by numbers, you can just upgrade on your existing plan. There is even a special calculator to generate the difference in premium for your medical upgrade, or even to add in new riders.

Now that all technical stuff is said, is the agent memang your existing agent or is she an agent that you're dealing with for the first time?
If is an old-timer...quite bad la.
But if is a new agent that you've never dealt with before, by upgrading your old plan she won't get any commissions at all.

Another thing you can do to check on your options available is to go to any AIA branch office. Our CS are more than capable to help you out. 

Wow, really useful info. 

Bro she said cannot top up as the old package was discontinued. just to check if the info is correct..thanks

Can top up one as per jiuhwei said

Your agent not being professional on this.

To answer your question: No, that is not true.

Yes, the old products are being discontinued. AIA's rebranding exercise after acquiring ING began in 2013. A completely new line of products were launched and the old ones being discontinued (but if you hold the old policy, it is still in force and you still enjoy all the benefits spelled out in your policy contract. You just can't buy old products anymore).

If your existing plan is an investment-linked plan (beginning with the letter "U" followed by numbers, you can just upgrade on your existing plan. There is even a special calculator to generate the difference in premium for your medical upgrade, or even to add in new riders.

Now that all technical stuff is said, is the agent memang your existing agent or is she an agent that you're dealing with for the first time?
If is an old-timer...quite bad la.
But if is a new agent that you've never dealt with before, by upgrading your old plan she won't get any commissions at all.

Another thing you can do to check on your options available is to go to any AIA branch office. Our CS are more than capable to help you out.  :thumbsup:

Bro, understood now and u guys are true professional. The existing agent resigned and reassigned to the district manager which already upgraded me with the medical plan. As for the other agent which is ex-ing...right to say that upgrading will not bring her commission and thats why propose new package.
Perhaps i should stop engaging her for my other plan....

Bro, understood now and u guys are true professional. The existing agent resigned and reassigned to the district manager which already upgraded me with the medical plan. As for the other agent which is ex-ing...right to say that upgrading will not bring her commission and thats why propose new package.
Perhaps i should stop engaging her for my other plan....

Do u need to do another medical check up to tpp up existing medical plan?

Do u need to do another medical check up to tpp up existing medical plan?

Do u need to do another medical check up to tpp up existing medical plan?

So far no need as never claim b4...out of the topic, i found prudential coverage expensive than others, why is it so...even i had compare similar riders etc...

My agent said the AIA dont offer upgade for my policy, can trust her or not? My already 14 years ILP account no. start with U, premium 2400 per year, never claim, was giving advise to buy ILP. So the top up didnt give income to AIA agent?