None. Don't buy insurance for savings purpose. Buy insurance for Protection, not saving. You pay yearly RM3K just to get annually RM1k? Sorry but I don't see the logic here. 

Yes some agents will say that you buy the savings plan with parent waiver (if anything happens to the paying parent, that insurance will be waived till child is age 25).

In that respect, the paying parent might as well consider buying a life/CI that covers for that duration, which would be cheaper and giving you maximum results. Example, a RM500K lump sum to the trustee/surviving parent would be better off than a mere RM3K/annum innit?

Maybe Wong Sifu can enlighten you on how to 'grow' your money, wongmunkeong please guide our friend the investment forum.

AFAIK, there is no RM30K per year medical card from Prudential.

It would be best if you were to consult your servicing agent or if lost contact/no longer in the business, transfer the servicing to an active agent for review.