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.

let see,
i use AIA for the calculation
you need to pay rm2805 per year for rm15000 sum covered (this is 20 years plan), with 5% profit per year, you will get rm750 per annum (dont forget remark Sila ambil perhatian bahawa pulangan pelaburan adalah TIDAK dijamin), so there is high chances you will not get 5% interest out of it.
does this sound good for you?

when the plan matured you get 150% out of sum covered, not all the money you invested into it.