Check also the coverage they provide because as i know most of the so called joint life + medical do not have sufficient coverage in the event of hospitalization and check the terms and condition especially if you are required to share the cost of hospitalization.

Get an estimates of likely coverage you may need in the event you really need it.

Its wise to get a medical coverage for hospitalization because its not uncommon for ppl to be admitted to hospitals today....even something like a Dengue fever coz by aedes mosquitoes bite will coz hefty thousands of ringgit !