Medical card is to help you pay for your medical bills,...
what about income protection to substitute your lost of income due to lost of legs, cancer etc etc?
what about protecting your hard save money while you live to sustain your life out?
 

1. Life insurance if you got debts to settle and wish to pass down the assets debt free to charity or extended family

2. The life insurance normally comes with total permanent disability so if you want to take care of yourself should you be disabled permanent one day, then the insurance payout will help with your living expenses

You may also want to look into personal accident coverage

3. Critical Illness if you wish to cover in the event you're unable to work for a period of time due to critical illnesses, the payout will be able to help you pay off your living expenses

4. Medical card basically pays for the hospitalization fee only. What happens after you are discharged / finish with follow up is pretty much on how health is your cash flow.

You may want to get a few quote or check out the online brochures directly with the insurance company and do your own studies.

If you want to deal direct with the insurance company, then you may opt to get their term policies available on their website, just key in your details, choose the plan & make the payment, I believe Google will be your best friend.

If you wish to get comprehensive policies, you'll have to deal with an agent. Nowadays, you'll be able to buy a policy with the agent without having to meet the agent face to face.