you're referring to an investment link policy, the extra you're forking out is to create an investment so you don't have to pay more later when you're much much older and there is cash value to pay for your cost of insurance as your standalone medical card RM1000 will slowly increase in the near future until RM24k when you're 90 - 100 yr old.

The premium you'll be paying will be RM2400 every year until X amount of years depending on what the agent propose.