They are many medical plans even under one insurance company depending on your objective and budget. For exmaple:
1. Cost of room and board
2. Annual coverage
3. Aggregate lifetime coverage
4. Plan cover until what age
5. Number of days covered in a year during hospitalisation etc

Regards

So.. based on what both ExpZero + Roy is saying.. Sithbuster/Alex is giving dangerous advise ka?

dang tot there was some loophole or something.

Personally, i'd wont just listen but think in terms of contracts.

Insurance is a legal contract between insurer & U.
In a legal contract, if one party does not follow the agreed then one is in breach.
When one is in breach, it then usually falls to the clauses of termination due to breach of contract.
That's when kaka usually happens in most contracts (ie. not just insurance contracts).

Just applying cow-sense & work/biz to personal life - may not work for everyoe