Can i post a question to insurance agent ?

Scenario
I wanted to buy a medical card (insurance for my son). But he have case, becoz of surgery in the leg.
I have appeal for the case to many Insurance but only one of the Insurance response and willing to accept but be pending until my son age 2 without any problem in future occur.
Now, my son, age 2, and the case have been re-open and further study.
My son birthday is September 2009. The case have been drag until last month. 9 months long.

Finally, the Insurance Co. offer to me = Their only accept our medical card but doesn't cover the bottom half. which means from hips to toe.
i really dishearted with it. But the heck. i just wanna some security for my son. an opted for it. Their offer letter is now = June 2010.
--> I don't mind the waiting but does it gurantee to me that my son will get the medical card thingy ?

Now this is the case, Today i received the calls.

1. Insurance Co. ask me to pay the premium = RM200 per month (I agree). But.
Insurance Co. ask me to pay the premium starting from his age at 2. which is from September 2010 - May 2010.

Can they do that ? I thought the Policy is effective from upon on getting their offer letter ?
correct me if i"m wrong in Insurance Thingy ?

This is a very unprofessional work. I wasn't aware from the beginning.
--> i mean to the agent whom didn't explain well to me. not the policy or rules or regulation set by Insurance Bank Negara.

This post has been edited by Manuk1188: Jul 14 2010, 03:11 PM