It depends on your availability of budget to maintain another policy. There is no right or wrong.
I will only propose standalone medical only only if budget doesnt allow. Of course i can show you the long term difference between standalone and ILP. Do you have existing ILP plans? If have, can check whether medical rider can be included or not.
However, do note that most insurer nowadays give more attention (add on/upgrade/revision) to medical rider that is attached to the ILP. The standalone medical plans seems stagnant and not much revision (except for the insurance charges of course).
You may want to consider to have a medical card with a high deductible to supplement to your existing card (to save cost).
That being said, it is better to have an agent to go through your existing medical card and advice the pros and cons on having a high deductible as a supplementary card. A RM20K or RM50K deductible on the second card may see a savings of up to 50% of the premium.
Just wondering...the premium of investment link + medicard plan is not fixed price for the whole insurance period, It will be adjusted over time, right? Does it make sense to buy standalone medicard plan, if I am looking at pure 'medicard plan' & no investment?