But standalone medical card is  not guarantee renew right??

So insurance company make the standalone medical card a bad way

So which company provide best medical card with no investment linked?

So which company provide best medical card with no investment linked?

But standalone medical card is  not guarantee renew right??

So insurance company make the standalone medical card a bad way

Gibraltar BSN Life Berhad have standalone medical card only

You can check on it

How insurance companies can earn more than what will be claimed by insurers?

But nowadays no much more medical card that is not ILP

A lot of people find this hard to accept. Maybe when they bought their cards, their advisor or agent told them, “This is cheap, right?” After that, we think the five years, normally, the cost of this medical card increase every five years, there is one rate, the next five years, there is a different rate to pay. Then, you say, “Hey, how come it keeps on increasing?”
That is how a

standalone medical card
is structured, and you must be prepared for that.
Bersusah-susah dahulu, bersenang-senang kemudian = Rider
Renewal Conditions
Most standalone policies provide a guarantee that your policy will be renewed even though you’ve been diagnosed with an illness before your next renewal date.
This is good to have. Here’s the reason why. Say if you were diagnosed with diabetes this year, and your policy is not a guaranteed renewal policy, the company has every right to reject your renewal.

Now, you’re left with zero coverage for next year. Adding to that, other insurance companies won’t accept your application either, because now you have diabetes and it’s a risk they are usually not willing to take.
Bersenang-senang dahulu, Bersusah-susah kemudian = Standalone

The cost of insurance, be it stand alone or attached to a investment link policy, increases every few years, based on age bracket. Get your agent to show the details when he presents the sales illustration.  Standalone medical cards are still available in the market, however you may find that investment linked medical cards may have additional benefits that may not be available in standalone medical cards.

Was browsing etiqa, got this etakaful one that only costs rm50 ++ (much less if u opt for deductibles).

Best Thing is no lifetime limit.

Insurance Co making the most profits out of the products