If you're looking for comprehensive coverage then ILP.

Otherwise if you have no budget or just looking for medical then a standalone.

It's noted within the policy & brochure on the guaranteed renewal.

I won't be able to advise much as I don't know much about your personal finances.
I see, what you're referring to is a hospitalization & surgical benefit as Critical Illness has no "annual limit" but only the amount of payout that you've bought for the plan.

There are a few types of early critical illness plans available for early CI namely.

Early CI - Payout only once for early stage

Multi Early CI - Payout for multiple early stage of CI

If you're looking for a comprehensive coverage for yourself then the proper way to do it is to consult a financial adviser or insurance agent to determine what is the right amount of coverage is suitable for you and what plan are available that can match your budget.

So the medical plan u r getting is cashless admission or reimbursement admission?

If the medical plan u r getting is cashless admission then the agent should be referring the medical plan will encounter GL declined in the 1st 2 years. The reason is company has the right to do investigation on the policy b4 claim payout is made.

What do you mean by health assessment?

It increases overtime due to your morbidity & mortality rate.

No, that's incorrect.

Unless if you're applying for an insurance which the insurance company apply loading to you based on your health condition.

Loading is given based on the underwriter's assessment on your health declaration. I doubt there are any insurance company out there that will "never" apply loading to applicants with sub-standard health.

if you do come across, do let me know as well, I'm interested to know