I would suggest you to get 36 critical illness and early payout critical illness claim. It is crucial because you need these money to clear your commitment rather than pass the commitment to your love one when unfortunate happens.

Furthermore, early payout critical claim can helps you to recover in a better state by providing you some money when your critical illness is on early stage. You can recover in peace of mind.

There is no point to pay 2 cards as you are paying more but get less, it is always advisable to maintain one card only. If you concern about the annual and lifetime limit, you may get higher room&board. However, to answer your question about double claim medical card, it is do-able in great eastern, you may claim your medical bill in other company and then take claim the co-insurance under great eastern's medical card.

Standalone medical card doesn't comes with waiver of premium, this is crucial as if anything happen to you, you still have to pay your medical card for life. Income maybe adjusted or you may lose the potential of income increment after some big illness, it is always recommended to attach waiver of premium to your medical card.

You are unable to remove it yourself unless you walk in to great eastern branches. Or you may ask your agent to remove them for you, else you may pm me for another alternative.

It is not advisable to remove those rider because those rider are crucial and important for your personal protection.

You can have those riders back after a few years provided you are still healthy, else you may impose with loading or exclusion.

Since you already have investment link, I would suggest you to get a traditional participate whole life plan which is beneficial to you in the long run/retirement because the surrender value will increase twice or even trice from the premium you paid in long run.

If you need a quotation from great eastern, do pm me your age, sex, smoking status and budget.

Well, age 30, male, non smoker, One standalone medical card r&b200 cost rm621 yearly and if you buy two, it would be rm1241(621x2), whereas if you buy one r&b400, it only cost rm1092. It haven't added up all the hassle you have to claim two times.

Waiver of premium is a must if you ask for my opinion, it serve as insurance for your medical card. Let's say a person bought rm50k critical illness and upon diagnose with critical illness, he will need to use all the rm50k to pay for the future of his medical card premium because he lost all his future income earning power, so in the end he has to use all the insurance claim money to pay his future insurance medical card premium, which is a very pathetic scenario because he knew he wouldn't have opportunity to apply for a new medical card.

You will feel more gg when you buy a vehicle, u paid rm100k for a car, rm50k go to BN, rm38k go to manufacturer profit, rm2k go to salesman commission and actually your car cost maybe just rm10k. Buy house, almost rm20k paid to lawyer for "unknown" fees, duty fees, etc fees etc fees. Go see doctor, my cousin only fever, doctor charge rm2.5k

endowment in Malaysia insurance are more into "saving" insurance plan, you pay for a xxx then when the endowment mature in yyy years, you will get certain money.

Investment link policy is a comprehensive coverage insurance plan where the money you paid will goes to buy fund and deduct insurance charges. Usually it will attach with many riders such as 36 critical illness, waiver of premium, medical card, hospitalization benefit etc etc.