Check your medical insurance policy and the underwriter

BEWARE of your medical insurance policy!
I have been renewing a family medical insurance (with Sihat Rakyat (SR) / Jerneh Insurance JI) for the last 4 years (annual renewal). I first bought this insurance when I was working as a contract staff with a company where I was introduced by other contractor staff to the agent who was selling the medical insurance. The man introduced himself as an agent of SR and my collegues had expressed satisfaction using the insurance policy. The agent /colleagues told me that SR is an appointed agent of JI and this huge company will take care of my medical needs. I checked with JI to confirm SR is its agent to sell the medical insuarance. I then signed up and later received a medial card cum policy from JI. The logo and name of JI appeared prominantly on the medical card and policy document. I have called JI which confirmed the validity of the policy number on the card and document.
In the past few years, I have used the medical card for my wife and daughter at private hospitals. Each time, Jerneh Insurance guaranteed the payment, and thus I have been very happy with the medical insurance of SR and JI.

Alas, this October 2009, I receievd a letter from JI that upon the expiray of the policy on 01/01/2010, JI shall NO LONGER support (or underwrite ) the same medical policy of its agent SR. I was thus confused, and made inquiry with both JI and SR. The representative at JI replied that its own discretion of underwriting the risk of its agent (in this case, it decided NOT to continue to underwrite the agent's medical policy), while SR said it could not do anything with JI. Then I became more confused as JI has acknowledged SR as its agent to sell its (JI) policy and thus undetaking the risk of JI policy sold by SR, but now by refusing to underwrite, JI had effectively cancelled its own JI medical policy (and been sold by SR) to the public

I am now retired and this is the time when I/my wife require medical coverage. By refusing to continue to underwrite the same medical policy of its agent SR, we cannot get the medical coverage which will impose extra loading (for senior citizens) as well as restriction on existing medcial conditions.