Halo Zoo How,

Assuming you pass age23 birthday, with monthly budget RM200 yes you can get GE medical plan for CI, TPD/Life, R&B , HB with annual renew medical.
But definitely ILP.

Good morning.

You may consider AIA too.

Your annual budget is RM2,400; you could opt for

Death/TPD/CI - RM100,000 + Medical Card.

hi Zoo Howl, do you have the plan illustration from AXA?

Ah okay, it is indeed low price. Normally i will advise to take up medical card with higher limit if it is within your budget. For your case, try looking for 100k-150k CI + a million yearly limit medical card. RM200/month is able to do that.

Do take note on the premium rate of every age ya since you are getting standalone medical. Check Page 2 for the premium rate.
AXA eMedic brochure

This is CI Term Insurance from Great Eastern, check Page 5 for premium rate
Great Eastern CI Term Insurance

Hope the above helps!

is there CI coverage? btw since i cant do any analysis with you, how much is the life insurance and CI insurance you need?

life insurance (death/tpd) 200k
ci xxx
hospitalization annual limit 100k

the link i attached to you, is a term CI whereby it also covers 10% bereavement payout

for example you bought a 200k CI, so there will be a bereavement payout of RM20k. see whether this helps. you can also check out Great Eastern Term Direct. 200k Life Insurance is RM34/month.

Take note that eLife protector from AXA is a yearly renewable plan which means every year the premium would be revised based on your age. The renewal will only be up to age 75 and there is no more extension after that.