Just wondering, consider the following hypothetical scenarios:

John signed up a standalone medical card (Assuming no investment component) at 25yo. 5 years later at 30, the cost of insurance charged to John is RM1,000.

On the other side, Bob signed up the same plan with a good health without any pre-existing illness at the same point at 30yo. Will bob be charged the same cost of insurance as John?

Want to know, if buy life insurance 500k show online RM70/month at younger age.

If until age 40 or 50 something. The monthly fee is still the same or will increase every few year?

So in short of I'm reading your comments correctly, on the presumption that Bob has a healthy body when he signed up the same policy plan at 30yo, he will get charged the same Cost of Insurance as per John who is 30yo too (Who signed up 5 years ago).

So the conclusion here is that so long that you always have a healthy body (Assumption), you will never be charged a higher premium (for same age) for purchasing a medical insurance on a later date as compared to someone who purchased the same much earlier.

Of course, the catch in medical card is that if you sign up later, you run the risk of 1. rejection of getting insured, 2. not covering a pre-existing illness.

With that being case, doesn't it mean that the usual street saying that goes "Buy insurance younger because it cheaper" is invalid?