All medical cards have their strengths and weakness.

The packaging I've seen so far is always done to allow you choose what you think is important for you based on your affordability etc. Some provide high annual/lifetime limit but would sacrifice some benefits like kidney dialysis, out patient etc.

If someone tells you that one company's product is superior than the others then that's just a blatant lie as then only that product would sell well in the market.

ILP products does have its own pros and cons. Always make an informed decisions after considering all the facts based on your objective, affordability and risk appetite.

Who works in bank and what makes you to say that weikian?

I don't think you can have both going on simultaneously on your own account. Perhaps he's using another account for sales. As far as I know that as a CFP etc designate however you can deal with multiple products from 3 or so companies.

The plan is called Centennial PA and is from OAC which forms a part of Great Eastern Holdings Group in Malaysia.