Hi everyone. Would appreciate your help with insurance.
I have no experience buying medical cards. Please help.

Deciding to choose between stand-alone medical cards, AIA A-life med regular and AXA Affin SCO.

1) Are both guaranteed renewable? Do both have portfolio withdraw clause?

Which card can be renewed for up to another 50 years?
If I buy a medical card now in 2016 and then AIA or AXA comes out with another new medical card, say in 2020, do I reapply for the
new card like a new applicant and approval depending on my latest health status or can I continue with the card I bought in 2016?

2) Will my premium be increased due to my own heavy claims?

3) What other stand alone medical cards are there that are guaranteed renewable?

Thank you.