But if you see the paytable for medical plans inside the brochures today, at age 55-60 memang its like 1-2K a month without factoring repricing down the road.

No no. It doesnt work like that. The premium pay table shows premium payable by age groups. Example like this:

Age Premium per month
30-38 400
39-45 650
46-55 850
56-65 1500
66-80 2000

So if you buy at 35 memang u pay 400 a month. As you age to 56, u need to pay 1500 a month.
If you buy at 56, u pay 1500 a month. This pricing is as off now, can be repriced by the insurance company.

So buying earlier allows earlier coverage, when old sick the insurance company won't let u buy also. Also buying earlier gives chance to build up cash value in the plan for use in old age lo. Thats all jer.

I tembak only bro. Not actual. Example only

Yah but theres merits in buying earlier.

Mainly for exclusion, loading or reject cases lo. If kena rejected especially at young age very kesian 1 leh.

Maybe go for cheaper basic high deductible medical plans lah instead of the full fat version. Go full baked with protection is just too extreme IMHO.