personally i sticked with standalone policy.
very scared of those investment link....
they could keep increasing your premium and you stuck and have to pay for next XX years due to contract .(high risk, high return)literally they already locked you in.
bad case, lets say one day you out of job ,cannot afford to pay anymore. that time you have no choice but to end policy,you found out most probably kacang left after all deduction and worst mau beli insurance lain but premium so high due to age. literally stuck at even shittier position.

but both have pros and cons...just depends on your budget.

This post has been edited by TRAZE99: Jan 10 2023, 06:15 PM

actually why so worry on renewal. so far haven't heard a insurance company kick customer off just because he has a serious illness.
they too have reputation to jaga, of course they will increase your premium next year much higher. (nowdays all health insurance very long duration some up to 99 years)
but they do wish you to cancel or unable to renew the policy voluntarily.