Hi bro,

If ur card is bought this 1-2 years ago, there is no need worry as owner of the post is before merging with ING, now AIA medical card is very good with no co insurance. We hav 1.1mil coverage per annual and no limit for lifetime.

Of course if standalone medical card premium will increase abt every 5 years. If you dislike it may consider get investment link plan which premium wont increase once inforce.

Thanks