Medical card does not cover if there is nothing wrong with the person example if the MRI results are negative and/or no procedure to rectify the problem was performed.

Thus the term "medically necessary".

There is no medical card that will cover all medical expenses as the medical card do comes with Exclusions. What is not covered is clearly written in the brochure and the policy document.

For example pre existing illness that has persisted prior to getting the policy.

Let it be known that insurance charges will increase by age irrespective of whether it is an ILP or not. The reason is because as we get older, the chances of a claim is much higher as compared to when we are younger.

For ILP or policy that accumulates cash values, the cash values (if any) can be use to offset the insurance charges thus creating a perception that the policy holder does not need to pay more. This is not true.