But if inflation happens badly in the 5 years, your 100k may drops its value to like 80k.

This is policy like Endownment/Saving.

investment link performance is not 8 ~ 9 %.
Investment link plan performance is depends on the fund you choose.
PRUlink equity fund pass 10 years performance is about 9.4%. PRUlink Bond fund is about 6.6%. And if you know how to do switching, the return should be higher.

iamsuccess,

1. Yes, if you paying every month, you should have a substantial amount in your policy by age 55-60. However, the amount is depends on the investment performance of the fund you chosen.

2. Fund switching is just the same like unit trust. Change to "high risk high return" fund in good year and change to "low risk low return" fund in bad year. The right time of switching is the difficult part, you will need to monitor the market very well. However, no one knows when is the perfect time for it.
Not doing switching does not means that you will lose your money. Take PRUlink equity fund as example, if you just leave it there for the past 10 years without making any switch, you still have about 9.4% of return rate. And this 10 years is included with losses in 2 times of economy crisis.

So conclusion is, if you are really good in investment, you can:
- Switch fund according to the market.
- Buy term invest the rest.

if you are not good:
- Don't care the fund performance, just pay and apply the Ringgit Cost Averaging rules.
- Learn up how to invest.

Prudential medical card does not have this term.

Almost all insurance company offering this kind of product.
Before you sign any of this plan, make sure you:
- already have enough protection(medical/life/...)
- understand the guaranteed and non-guaranteed part in this kind of plan
- aware that your money will be lock down for years
- If you surrender within first few years, you might not get back the amount that you have "save".

Almost all having this kind of plan. In terms of return, I believe that all is about the same. Just that some have the guaranteed part higher. But don't forget that the policy is consist of guaranteed + non-guaranteed return. So in the end, you will never know which one perform better.