AXA E-Medic family plan is a standalone medical card, so it does not come with any life insurance or critical illness. Since it's a standalone medical card, the premium will increase every 5 years based on your age.

It only covers children up to 15 years old. If your children are 16 years old and above, they would be excluded from this plan.

Another thing is that the annual limit for the most expensive plan is only RM100,000 which is not enough for serious illnesses like cancer. The good thing is that each family member will have his own annual limit and doesn't affect each other.

Personally, I would suggest you to get invidividual medical insurance if your budget allows because it is more future proof. Investment-linked medical insurance is more comprehensive which comes with life, critical illness coverage and waiver too.

Halo friend,

What you pay is what you get. It is good for low budget plan.
Honestly RM270 barely can get good medical plan for individual age over 30.

Just spend more time to read the T&C. You are looking for protection, not comparing price in wet market.

Anyhow, start low better than zero
Choose what you afford and understand the pros & cons. Then plan ahead for future.

Good day loquelevesque26, I'd deal with AXA medical claims, it is straightforward (so long the needed documents are submitted). More or less the SOP to do claims for every company is similar.
hi wayton, if you are buying ILP, just treat it as a "sure loss" product. Reason being is there are agents selling it to you as something you will get back in return. You can only get back portion of what you have "saved" only if you do partial withdrawal/surrender when you do not want it whereby the reason we look into insurance is mainly for financial risk management. so yea, when i told that to my clients, they don't expect any return out of it, when it runs till the end of the term, mostly the cash value will be near to 0.
hi anwa, for medical insurance, just prepare one for the children until they decided to take over and manage it themselves, most likely when they graduated and step out to pursue for their career.