Hi everyone, I'm 24 and am looking to buy my very first Medical Card (Investment Linked). Never bought any kind of medical card before.

I am considering a plan that has the following -
Annual limit: 1 million
Lifetime limit: No limit
Life/TPD: 100k
CI: 100k
Assured until 70 y/o.

For that I have been quoted RM230 per month. However my agent is pushing for me to get assured until 90 y/o at RM300 per month.
Agent told me that it will be extended to 80 y/o, then 90 y/o if I did not make any claims during the coverage term.

So my questions are:
1. Is it worth spending the extra RM70 per month for a longer coverage term? It's my first time buying so I need some second opinions on this.
2. Agent also advised to "top-up" more cash value, let's say making it RM250 a month. How drastic will the difference affect the cash value in the future if I opt not to "top-up"?
3. Is the premium too expensive for my age? I asked around my older friends and their medical cards are all cheaper with similar coverage.


Thanks in advance and pardon my noob questions.

This post has been edited by CrispK44: Apr 20 2021, 12:11 PM

Hi MUM, understood. Thanks for your input.


Hi lifebalance, you're right. That's why I'm quite hesitant. I was thinking maybe like 10-15 years down the road I might want to upgrade my med card as my career progresses.

I actually asked if I can lower the Life/TPD and CI, but the agent said that 100k is standard because you never know when you will die (lol), and it will be more expensive to upgrade in the future if I choose for example 50k. Do you recommend lowering the annual limit as well?