I think there r many critical illness plan offerred by insurance company.

Some have monetary return after certain period and some dun have. Means that watever money u paid is "hangus" unless u hit the jackpot. Meaning u got critical illness.

Those without any monetary return will be much cheaper if compare with those with monetary return.

U can ask the agent to explain t u. But dun ask 2 diff agent to come together.

At least get one medical card, especially if u ahave ur own family.