Hi all, I am currently looking for a standalone medical card for my parent.

55 years old, Female, Non-smoking.
Just got a quote with the following:

Tokio Marine
R&B: 350
Annual Limit: 85k
No Lifetime Limit
Renewable up to 100 Years
Premium: RM2794

Lonpac
R&B: 300
Annual Limit: 150k
No Lifetime Limit
Renewable up to 100 Years
Premium: RM3172

Wondering is there any better options out there with similar premium?
Personally think that R&B can be reduced to 250. Any advice?
Is claiming okay for Lonpac?
Thanks!

Wondering anyone have any experience with Lonpac?
Did some check on the Medisecure Centurial Standalone Medical Card find the price quite reasonable, dont have sub-limit for Cancer Treatment and Kidney Dialysis, 10% increase of Annual Limit and R&B seems quite attractive too.
Just a bit concern on the company itself.