Here's an analogy for you.

When you go to a mixed rice/nasi kandar shop, Investment linked plans (ILP) are basically the plate and a medical insurance/card is the dishes/kuah you order with the dish.

But if you mean what's the difference between a medical card attached to an ILP vs a standalone medical card, then biggest difference is as per below:

Cost:
- ILP more expensive
- standalone cheaper

Coverage:
- depends as ILP has high and low coverage options

That's a straight forward way to look at it.

Best,
Jiansheng