1. It depends. Different medical cards have different terms of coverage, and it is not so black-and-white as each company formats their quotation somewhat differently. One company may have lower per-annum coverage but has better terms of coverage (take-home medicine can be claimed for example). As it is, RM100k should be enough for typical operations and stay in some of the better private hospitals. 

2. In my opinion, the women-specific riders are way too expensive. This is due to the law of large numbers in that, only half of the population are women so only half of the population is eligible to take the rider, and from that already small number, only a few are taking those riders thus making it expensive for everyone. A question though, is the coverage meant for medical costs or a pay-out in lump-sum? Because if it is the latter, you are simply wasting money. The rider is too expensive for such a small s um.

3. This matter is up for debate, but I find investment-linked is much more flexible. You need a good agent who will sit down with you with the computer and design the policy for you though. Remember to keep the premium as LOW as the computer software allows you to do it. Look up for the term "policy slack" or something like that. The bigger the slack, the more you are OVERPAYING for your policy. Here's an illustration:

1. Whenever you join a company, normally the company will also provide you with medical coverage.

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Lastly, WORK ON YOUR OWN BUDGET and NOT THE AGENT'S BUDGET.

Rule of the thumb, do not spend more than 10% of your salary on insurance.