nuzul,

i think you made some important points but i want to add some things:

"1. don't look at the lifetime limit, look for annual limit. no matter if ur lifetime limit is 600k, but ur annual limit is just 20k, it didn't enough. even a "bisol" could cost almost 5k.."

== always look for the lifetime limit! if you only get 3x annual limit for life this is NOT the plan for long term insurance. you slowly eat your allowance while paying the premium. then when its eaten up, its hard or next to impossible to find new insurer. ALWAYS choose a plan with a very high annual and a much much higher lifeltime limit if you must. even better: no lifetime limit. i personally would never rely only on a plan with lifeltime limit.

500k annual limit does not cost you a fortune if you choose a standalone policy.

"2. look the medical card plan carefully, is it hv any other limit besides the annual limit? even if u hv an annual limit of 60k, but there's limit on operation of 36k, limit on dialysis of 30k, it also didn't enough. one dialysis cost RM500 & need to do at least 2 times a week. u do the math urself."

== yes, sublimits are bad. avoid them by all means. for dialysis and other outpatient benefits its impossible to avoid them in one way or the other. this is why you sometimes need a second medical card to cover for just those things in order to make optimal decisions.

"3. ask the agent whether the medical card need to be renew or not? some medical card need to be renew early or maybe 5 year. u think for urself, if somedays, maybe after 5-6 years of renewing, u get an illness that cost about 50k. do you think the insurance company would let u renew? if u can renew, the previous illness will be excluded from ur benefits."

== as far as i know all standalone medical cards are yearly renewable. just make sure that its renewable at the option of the policy holder without loading or exclusions. then you are good. other policies are - sorry to say so - not insurances at all. they are money making shemes for the insurance companies.

"4. every time u want to renew the medical card, the price won't be the same again."

== absolutely true. allocate a budget that covers the average costs of a lifetime and save the difference to reduce burden in the future.

"5. every medical card that need to be renew are term insurance & hv burn money policy."

== medical cards are not burning money if chosen properly. actually the very principle of insurance implies that you pay premium and if you are lucky nothing happens to you you dont get any money. anything else is NOT an insurance. stay away from anything but an actual insurance for H&S since you only pay more that way. it doesnt work in your benefit.