Hi all,

I am looking at medical card, and I have a preference for standalone card instead of an ILP. However, someone told me that the premium at renewal for standalone medical card is not guaranteed. This is coupled with a bad experience, where one of my parent took a standalone medical card. Upon first claim, the next year's premium was slapped with a 75% loading due to "increased risk".

I was told that ILP won't have such problem (by an agent, of course). Any increase in the premium is based on the pool's risk, not an individual's risk. However, reading from RinggitPlus suggest that actually this will happen regardless of the plan.
Would like to ask sifu-sifu which should I go for? Standalone v ILP, and what are the terminology I should take note while buying these products?
TL;DR: will my this year's claim impact my next year's medical card renewal premium? (for both standalone and ILP).

Thanks all.