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?

Will it be necessary to have own medical insurance assuming working till retirement age at 55 years old?
No, it is not necessary. No laws dictate that you HAVE to have it.

It is your decision, and you decide if you would like to take the risk, or transfer it to the insurance company.

The risk I am referring to, is the risk of hospitalization. For most of us, if the illness doesn't kill us, the hospital bill will.
"But I have my company insurance to pay for it."
Yes, you do! For now, while you are still employed by the company.
As long as you are an employee of your company, you are an insurable interest.
After you retire, you are no longer an insurable interest to the company.
So what do you do? You go shopping for a personal health insurance plan.

At age 55, we are not as healthy, our risk of a critical illness are higher, and for some of us, we already have some medical history.
While you're out shopping for a personal health insurance plan, you may or may not get one, no matter how much money you are willing to pay.

I believe the real question is, WHEN is the best time to get your own medical insurance?
I can't predict your future, but the answer is YESTERDAY.

Maybe I'm an insurance salesmen, and I do this for a living.
But I only ask that you seriously consider getting yourself insured.

eligibility when getting it at age 60. other than that no other concerns already. and i will say it is unfair for me to compare premium difference bought at 30 y/o to 60 y/o. because 30 years of premium paid can accumulate quite a lot. if you plan your finance well, premium shouldn't be a problem irregardless of buying it now or buying it at 60.

My humble opinion, u can buy the medical card that have very high deductible now (to reduce your premium payment), and can convert to zero deductible at age of 60.

So far I knowHLA MediShield III and Allianz Medisasfe Infiniti + got these benefit...

Are u an insurance agent and definitely not from A company 

The fact is A company is covered for Covid hospitalisation which the only insurance company doing it. Which I think is very good    although I'm not representing this company. still give credit for this move in helping government to ease the covid situation.

Consult your Life Planner if you do have medical coverage from AIA. They are adequately informed on what is claimable and how the process works. Not the time or forum to make unnecessary and uninformed comment.