I thought medical card should be paid internally via insurance company to hospital? If that's the case, your friend's husband have to fork out RM220k to pay for the bill first and then only claimable after few months?

As far as I know, Great Eastern and Prudential have term&condition not to alter policyholder's benefit but premium. Whereas the above looks like Allianz reserve the right to alter policy's benefit as well?

Have to wait Allianz agent to explain the T&C. However, most of the giant insurance company do not have this clause.

Normally 100k annual limit should be adequate unless special case.