Get a good medical card from the top players like Prudential, GE, AIA, ING should be good

1st. besides that you also need to consider the agent service, cause when comes to claim will he be there for it

2nd. get a term medical card rather than renewable basis, from my experince term is somehow better because of GURANTEED RENEWABLE.
you dont wanna buy something that can renew once only right?

the admission fees or deposit is compulsory in most hospital . . . . . . it range from RM250-RM400 from my experince

she needs to go to Commissioner for Oaths & sign the request of new policy form & prove its her who requested & nobody else by showing the IC & related documents. This is to prevent fraud as we heard many cases out there when a policy is easy to request as new & surrender the moment they received it for the cash value / sum assured.

become an agent urself & purchase the insurance
that way you could save from the commission . . .

this depends on people la
some prefer with nice environment, some prefer the dr they know
some prefer hospital with cheaper medical charges & some prefer nurse yg berbadan panas hahaha

buying an insurance is never like buying vegetable in the wet market . . .
pricing is not the only factor to consider only

Take note more what is written in the policy benefits & what is not covered. . .
Why should a policy cost higher & why is another is lower?

i strongly agree with cherroy statement above . . . if compare for medical rider attached to ILP / traditional / standalone card the INSURANCE PREMIUM will still increase as age increases.

Why ILP does not increase in most cases told by agent? It's because ILP or investment-link policy have cash value
in the policy & will increase year by year. Insurance company will project the return of certain % FORECAST in the quotation as investment return less the inflation on medical charge. Do take note there is no guarantee in any Investment.

+points for getting ILP early or when you are young:
*insurance charge is low compare to majority of other range of product
*can accumulate some form of savings & policy will not easily lapse compare to standalone
*flexible to top up / reduce the coverage from time to time