insurance noob here, i want to ask if i already have critical illness and personal accident coverage, do i steel need to have medical cards coz i think that if i admitted most of it will be due to critical illness or accident so i can claim from the insurance company to pay, so do i still need medical card, the premium quite expensive, prefer not to have it

thank for the explainantion waiyeap, got other question, if im diagnosed with certain critical illness, can i apply for medical card after being diagnosed, so if i dont want to have medical card i can choose to have high sum of CI coverage, bcoz i think the premium is cheaper to increase coverage for CI compared to medical card

so many explaination, thanks a lot, those really help, got some term i dont understand, what is co-insurance?

do government servant need to have medical coverage? they entitled to get free medical at government hospital right