Investment link cash value projection need to sustain until the policy end date, new ruling from Bank Negara Malaysia to all insurance company by 1/7/2019.

Yes, the premium will increase because your projection cash value need to sustain until end of policy date, but it doesn't matter, it just mean "what you buy is what you get".

In short, yes.

Low and high projection can't be negative until end of policy year. So the "real sum" I suppose is the premium right? Depend on each individual age/gender yada yada....

Good la, if keep going down then all subscriber soon will without principle.

Go for Great Eastern, AIA, Prudential. These three companies have highest medical pool fund because of largest market share. Rarely and even if got increase also not much compare to 143%. The last price hike was 7 years interval for 15% in Great Eastern.

If the subscribers in an insurance company are very less, so their medical pool fund is very less, the fund will be depleted easily(because of rule of large number) then the medical price will restructure more often and higher. Of course, it's depending also on the underwriting guideline, certain company take all the clients whether healthy or not, this kind of company will repricing their medical very very soon. You can Google it to know more, usually it's, Axxxxxxx and Pxxxxxxxxx, Google yourself to believe it, don't just listen to any forumer words.