Banks just make it convinient for you, go for an insurance company, period !

I know I will get shot by Insurance Agents, but still my opinion.

If your company already provide a decent Medical Card and Insurance benefits, there is not a need to purchase 1 extra using your own fundings. Is true we never know when we are struck with something, but in my personal opinion, what are the odds ? Maybe im willing to take the risk as I know I can afford my medical expenses if needed.

I however do purchase traveling insurance, they do come in handy for me to exploit