Before you buy any of medical cards from any insurance agent, make sure you know the room rates or board charged by selective private hospital..co-insurance is something which d patient have to share the bill with the insurance company based on percentage or max charged. Another thing is make sure is renewalable after been claimed. And Annual limits is important, make sure your annual limits r big enough for your own needs as that only allow to claims for each year. If you just need a medical card, I suggested you get a term medical card instead of investment or endowment plan. Strongly advise do not bond it with other insurance as most of the agent will give you the cheapest medical protection.