For RM3K and RM10K deductible, you can add in a rider called "PRUmedic retirement" to auto switch the high deductible to co-insurance at retirement.

For health insurance, let say I choose an insurance with coverage until 70 years old, is that mean I have to pay the monthly fee until I am 70 years old? If my claim exceed the annual limit, I cannot claim anymore for the year. But what if my claim exceed lifetime limit? Do I still have to pay until I am 70 but now I can claim anything anymore.

Ever consider for Allianz Medical Card?

It just as low as RM5 daily for age below 30. And you may have RM1mil of lifetime medical coverage.

Benefit of Allianz are
- No Overall Annual Limit (Never worry of not enough annual limit due to heavy medical cost)
- No Co-Insurance (Why need to pay the 10% when you can get full coverage)
- Coverage up to 91 without additional cost
- 42+ Cashless Panel Hospital in KL-Selangor, 100++ for Nationwide (Including 5 Star Hospital, Prince Court & Gleneagle)
- Treatment of accidents, cancer as well as kidney dialysis. (As Charge, No annual limit)

Hi, quoted below is for a 38 year old male, non smoking (you are considered non-smoking already), and occupation class 1.

1. Nope, it's not a cashless card in the sense where there is a co-insurance of 10% and capped at RM500. Meaning if your medical cost is RM 40,000 per incident then your co-insurance if only RM500. If your medical cost is RM 4000, your co-insurance is only RM 400 (10%)

2. Renewable? YES! That is why I made it into a rider as part of the ILP plan, that is because I do not want you to have your card cancelled when you need it the most!

3. It's a life policy, they can only cancel it if you stop paying.

4. Details:

a) RM1702 p.a
b) it's an i-M200 card, meaning your room rate can go up to RM249 without having to pay a higher co-insurance
c) There is a small death/tpd protection and projected cash return of RM32k+ but consider this as your bonus only. Want to invest, do it in an investment account.

Under private hospitals, when you show the medical card, cost will raise by 20-30% on the spot. But if you pay cash, it will be cheaper.
So, you have to know the room rates before buying any insurance, else better you stay in government hospitals.

RM1100 annually could be a standalone medical card. As genesher85 mention, better read carefully and know what you buying.
For standalone medical plan, the premium will increase every 5 years and will be very expensive when come to golden age. Of cause some hidden clause that client may not notice.

For an Investment Link plan(ILP) at age 35, a comprehensive coverage with premium monthly RM250 is pretty common. Generally ILP offer comprehensive coverage, remain the same premium till the maturity and it come with cash value (saving).

The company and ILP will not survive in the competitive market, if it is the same as RM1100 plan as mentioned.

Just hope you understand there are totally a different product.

Thanks for like me so much, every single post you eager to give your feedback.

I know you expert in insurance, what waste you don't join insurance industry.

Do I ever mention ILP medical rider COI won't increase as well? Everything come with a cost.

I don't understand where is your logic and real motive?
I'm not your agent nor I don't even know you in person and do I step on your tail. 
If you hate your agent so much, why sign up with him/her? Then now you can't find him/her any more and treat me as your revenge target?

If you hate Allianz so much, please terminate your policy, sign up with your beloved uncle Roy, not one will stop you.