The most stupid product is investment linked medical card.

RW Genting medical card.

Cover funeral fee if jump from First World Hotel 24th floor if kalah teruk in kasino.

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