arpoh,

"Most standalone medical card are guaranteed renewable as long as you insured under LIFE insurance. Only general insurance is renewable under yearly basis, such as the employee medical benefit."

this is totally not true. standalone plans from GI are mostly guaranteed renewable by now. it's no problem to weed junk (non guaranteed) from the good ones. no need to buy life for that. that is an urban myth at best and imho bad advise.

GI is yearly renewable at the option of the insured (aka guaranteed renewable) if its a good plan. there is no difference there between life and GI besides GI following current age band and in general being cheaper per $ coverage.

list of guaranteed renewable (at option of the insured) H&S GI policies w/o loading based on individual claims:

AXA SCO / SCE
Allianz EB MediShield Plus
Allianz Care Individual
AIA ExcelCare Plus
Kurnia (until 65 - so caveat emporer) MediGuard Value, MediGuard Premier
MAA MedicaLife 207, MedicaGen 200
MPI Multi Medi-Plus (after two years)
Pacific medipac, medi-major
Tokio Marine Medic Plus, Premier Medic Partner (after 1 year no claims)
RHB MediSure (no claims for 2 years)
UOB Ideal Care
MAA Takaful SmartMedic 100
IKHLAS Medic Assist Takaful
Manulife Manucare100

I have stated before that if coverage is of concern my personal pick from what is available at the moment is a combination package from AXA SCO (500k) + TM Medic Plus (max plan). Alternatively for the big budget there is a great plan from lighthouse asia with unconditional coverage until death that becomes very reasonably priced once you hit 50.

GI is General Insurance and just because an insurer offers life doesnt mean they dont offer GI. all the policies are standalone policies and i think all but manulife are GI (25% discount for direct clients)

alexwsk,

should be no problem. can inform then you want the policy to be direct and not any longer in the agent's portfolio. the agent comission for GI H&S is a "only" 15% of each yearly premium, 25% is for PA. sorry for the previous statement - typo and i didnt notice it until now.

MGM,

AXA SCO can, you might also want to look at Allianz EB MediShield Plus and RHB Medisure. your options are limited. why not consider a take over and applying to a full new plan now? that way you rid yourself of the old AIA plan and switch to a new one now (assuming in good health). waiting periods can then be waived and you have more options cause you waive the deductable & convertible requirement.