Are there repercussions if I switch from ILP to Standalone? Im currently about 9 months in my ILP.

I've been told the COI for ILP is lower than Standalone but is that true? I understand that ILP has cash value and investment to offset the rise in cost compared to standalone. However, if we just look at COI perspective it is the same for both no?

but its more expensive because of COI rises much more for standalone than ILP? Or is it because ILP has investment portion to cover the increase in COI so its more cheaper?

Question for those with AIA,

For ILP the minimum monthly premium is RM150, however the selected option might be below RM150, lets say RM143. What does actually happen to the extra RM7 I would have to pay to meet the minimum premium?

So would it be better just to add on some coverage to meet the RM150, rather than paying extra for investment?

My AIA ILP plan was originally like this:

Health 6000
R&B Plan 200 (Deductible: 300)

RM143 Monthly Premium, would have to pay extra RM7 to meet monthly minimum.

Then, I added an extra coverage for HospitalIncome:

Health 6000
R&B Plan 200 (Deductible: 300)
HospitalIncome 100

RM153 Monthly Premium

I had discussions with my life planner and using the iPad I can see the monthly premium generated depending on whatever options I choose. So when I tried to go for something not expensive I ended up with RM143 monthly premium (Life 6000, R&B 200 (300 Deductible)). My concern was more towards the medical card only rather than the life hence I put life at almost absolute minimal, while I judge R&B 200 to be adequate enough for me. Since I was short of RM7 to meet the RM150 minimum monthly premium, I thought that it would be a waste to not add some form of rider to make the premium closer to RM150. I was recommended by my life planner to take the waiver extra but I decided for HospIncome 100 since I felt it would be more worth it (if I recall these two options have the same premium). Would you guys have recommended me something else?

Some Info:
Age before birthday: 23
Occupation: Consultant (Office Work)
Non-Smoker
Single

Its meant to be projected up to 80 years sustainability in the policy but of course that could easily change I suppose. My concern is if I just drop the HospIncome, would that RM7 be sort of wasted? But from what I gather from the feedback here, the extra RM7 does go to investment so it would increase sustainability. I guess I do not see any extra riders that would be of real use to me as compared to extra sustainability...

Question, we would expect the COI of standalone medical to be higher than ILP during the later years. But shouldn't the COI rise approximately the same for both (assuming both have R&B 200)? If we do not look at ILP with its investment returns offsetting the increase in premium, the COI for both standalone and ILP would be about the same no? Sorry I just want to understand the concept here.

Hey Guys, any advice on getting a group/family medical card for 3 people? Adults aged 59, 56, and 20. Or is it better to get standalone for each 3?