Dear Sifus,
I would like to ask opinions regarding the insurance plans for me.

My portfolio:
33yo, Female, Single, Gov Doctor, Nonsmoker, No existing insurance/ medical card

My thoughts:
1. While I'm still working with gov, I would be covered by my GL for a 1 or 2 bedded rooms. And contrary to others, I would prefer to be admitted to Gov Hosp should anything happen to me (touchwood though!).
--> Thus, is medical card pretty redundant in my scenario?
2. But I do believe that once I leave the public service, medical card would be truly essential to cover my back then.

Options in consideration:
1. Investment linked insurance GE Smart Protect Essential
- medical card annual limit annual limit 900k/ no lifetime limit. Death / TPD - 100k. CI-50k. Room & Board : 250
- premium 400/mth

2. Income protection insurance from GE as well + start investment linked with medical card rider after 10yrs from now
- For the income protection: Premium 700/mth, 10 years.
TPD/ Death / 36 CI: 500k. Upon maturity at 20yr : projected cash value of 180k
- After paying endownment-like only package, only sign up for medical card at 40ish

** Can you guys comment on which option is better with pros & cons?
** On average, for the same medical card benefit, how much is the premium difference between entry age of 30 and 40, speaking in terms of ratio?
** I do understand that with any investments, there can be only projected returns and these are affected by lots of factors. But on average & speaking of long term, do majority of the companies achieve these projected returns & thus the cash value?

Thank you