My 2 cents worth:

Most standalone medical cards for example ING does not[U] 'Guarantee Renewal' and that is a very dangerous situation where we should never allow ourselves to fall into it. Because if your medical card doesnt guarantee renewability then chances are it will not accept your renewal after a claim has been made. To add salt onto wound, the chances of getting another insurer will also be very slim because of certain claims history.

Ask clearly if Etiqa or Pru has this feature.

Also to look into is the maximum capped amount for out-patient treatment especially for kidney dialysis, radio and chemotherapy. Most cards only offer up to certain amount like 15k to 20k the most. It is also a situation where the insured doesnt want to be at. Please take note.

Co-insurance thinggy still exists in certain 'more conventional' policy where the insured has to pay up to a certain amount during claims. Read T&A with care.

I switch to Allianz from ING and AIA previously and never looked back. If you need more info, you can send me a pm.